Privacy Policy
1. Introduction
At Tumia, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial management platform.
2. Information We Collect
Personal Information
- Name, email address, and phone number
- Date of birth and national identification
- Address and location information
- Financial information and transaction history
- Device information and IP addresses
Usage Information
- App usage patterns and preferences
- Transaction data and spending patterns
- Communication preferences
- Technical logs and error reports
3. How We Use Your Information
We use your information to:
- Provide and maintain our financial services
- Process transactions and payments
- Verify your identity and prevent fraud
- Improve our services and user experience
- Send important notifications and updates
- Comply with legal and regulatory requirements
4. Information Sharing and Disclosure
We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:
- With your explicit consent
- To comply with legal obligations
- To protect our rights and prevent fraud
- With trusted service providers who assist in our operations
- In connection with business transfers or mergers
5. Data Security
We implement comprehensive security measures to protect your information:
- End-to-end encryption for all data transmission
- Secure data storage with industry-standard protocols
- Multi-factor authentication for account access
- Regular security audits and vulnerability assessments
- Employee training on data protection practices
6. Data Retention
We retain your personal information only for as long as necessary to:
- Provide our services to you
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain security and prevent fraud
Financial transaction data is retained for a minimum of 7 years as required by financial regulations.
7. Your Rights and Choices
You have the following rights regarding your personal information:
- Access and review your personal information
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Opt-out of marketing communications
- Request data portability
- Withdraw consent for data processing
8. Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze app usage and performance
- Provide personalized content and features
- Ensure security and prevent fraud
You can control cookie settings through your device or browser preferences.
9. International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.
10. Children's Privacy
Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe we have collected information from a child under 13, please contact us immediately.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes through the app, email, or other appropriate means. Your continued use of our services after such changes constitutes acceptance of the updated policy.
12. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
Email: team@tumia.app
Address: Kigali, Rwanda