Privacy Policy

Effective Date: November 2024

Introduction
AU INNOVATION ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect personal information when you use our SACCO applications and services in Kenya.

1. Information We Collect

We may collect the following types of information:

Personal Information: Name, ID number, phone number, email address, date of birth, and other identification details provided during registration.
Financial Information: Account numbers, transaction history, loan details, and contribution records.
Device Information: Device type, IP address, browser type, and app usage data.
Location Data: GPS data if enabled for specific app features like locating SACCO branches or services.

2. How We Use Your Information

We use your information to:

Provide and improve SACCO services, including account management, loan processing, and contribution tracking.
Send notifications, updates, and important announcements.
Conduct audits, analysis, and research to enhance user experience.
Ensure compliance with legal and regulatory requirements.

3. Information Sharing

We do not share your personal information with third parties, except:

With service providers and partners who assist in delivering SACCO services (e.g., payment processors, mobile money platforms).
To comply with legal obligations, such as responding to court orders or regulatory requirements.
When authorized by you for specific purposes.

4. Data Security

We implement robust measures to protect your data, including:

Encryption of sensitive data during transmission and storage.
Secure access controls and regular audits of our systems.
Training our staff to ensure compliance with privacy standards.

However, no system is completely secure. We advise users to protect their login credentials and notify us of any unauthorized access.

5. Your Rights

As a user of our SACCO application, you have the right to:

Access your personal data and request corrections if inaccuracies exist.
Request deletion of your data, subject to legal and regulatory retention requirements.
Opt out of marketing communications.

To exercise these rights, contact us at [Insert Contact Information].

6. Retention of Information

We retain personal information only as long as necessary for the purposes outlined in this policy, or as required by law.

7. Third-Party Links

Our SACCO app may include links to third-party websites or services. We are not responsible for the privacy practices of these third parties and recommend reviewing their privacy policies.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be communicated through the app or our website.

9. Contact Us

If you have any questions or concerns regarding this Privacy Policy, please contact us at:

Email: info@auinnovation.co.ke
Phone: +(254) 735 646-500
Office Address: Jubilee Insurance Exchange ,6th Floor, Suite 628/9, Kaunda Street.
PO Box 65855-00100, Nairobi.

By using our SACCO application, you agree to the terms of this Privacy Policy.