Privacy Policy

Effective Date: March 9, 2026

This Privacy Policy applies to the Viwango Saccos application (the "Application"), provided by COMPUTER RESOURCES TANZANIA LIMITED ("we," "our," or "us"). We are committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your information when you use the Application. Please read this Privacy Policy carefully. By using the Application, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access the Application.

1. INFORMATION WE COLLECT

We may collect information about you in a variety of ways. The information we may collect via the Application includes:

Personal Data

Personally identifiable information, such as your name, email address, and telephone number, that you voluntarily provide to us when you register with the Application.

Financial Data

Information related to your finances, such as loan details, investment activities, account summaries, transaction history, and member profile information. This data is essential for providing the core features of our service.

Third-Party Services

We use Firebase for core application functionality, which may include:

• Firebase Authentication: To manage user login and registration, which may involve collecting identifiers like your email or phone number.
• Firebase App Check: To protect the integrity of our services and prevent abuse.

2. HOW WE USE YOUR INFORMATION

Having accurate information about you permits us to provide you with a smooth, efficient, and customized experience. Specifically, we may use information collected about you via the Application to:

• Create and manage your account.
• Provide financial reports, such as loan overviews, payment histories, and investment activity.
• Secure our platform from abuse and fraud.
• Notify you of important updates to the Application.
• Monitor and analyze usage and trends to improve your experience.

3. DISCLOSURE OF YOUR INFORMATION

We do not sell, trade, or otherwise transfer your personal or financial information to outside parties. This does not include trusted third parties who assist us in operating our application, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

4. SECURITY OF YOUR INFORMATION

We implement a variety of security measures to maintain the safety of your personal information. We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.

5. CHILDREN'S PRIVACY

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

6. CHANGES TO THIS PRIVACY POLICY

We reserve the right to make changes to this Privacy Policy at any time and for any reason. We will alert you about any changes by updating the "Effective Date" of this Privacy Policy. You are encouraged to periodically review this Privacy Policy to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised Privacy Policy by your continued use of the Application after the date such revised Privacy Policy is posted.

7. CONTACT US

If you have any questions or comments about this Privacy Policy, please contact us: