1. Information We Collect

We collect the following types of information:

• Personal Identification Information: Phone number, name, national ID details
• Financial Information: Transaction history, account balances, loan details
• Device Information: Device type, operating system, app usage statistics
• Location Information: General location data for regulatory compliance
• Authentication Data: PIN patterns (encrypted and not stored in readable form)

2. How We Use Your Information

• To provide, maintain, and improve our financial services
• To verify your identity and prevent fraud
• To process transactions, loans, and withdrawals
• To communicate with you about your account and services
• To comply with legal and regulatory requirements
• To analyze usage patterns for service enhancement

3. Data Sharing and Disclosure

We share your information only as necessary for the following purposes:

• Regulatory Authorities: We share loan and transaction data with UMRA (Uganda Microfinance Regulatory Authority) and Bank of Uganda as mandated by law
• Credit Reference Bureaus: We report loan data to licensed Credit Reference Bureaus (CRBs) as required by financial regulations
• Service Providers: We share limited data with Africa's Talking for USSD service provision (data processing agreement in place)
• Legal Compliance: We may disclose information when required by law or to protect our rights
• Business Transfers: In case of merger, acquisition, or sale of assets

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement industry-standard security measures to protect your information:

• End-to-end encryption for sensitive data transmission
• Secure PIN handling (PINs are hashed and never stored in plain text)
• Regular security audits and vulnerability assessments
• Access controls and authentication protocols
• Secure data storage with encryption at rest

5. Data Retention

We retain your personal information for as long as necessary to:

• Provide services to you
• Comply with legal obligations (minimum 10 years for financial records as per Ugandan law)
• Resolve disputes and enforce agreements
• Maintain business records for operational purposes

6. Your Rights and Choices

You have the following rights regarding your personal data:

• Access and review your personal information
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal requirements)
• Opt-out of non-essential communications
• Withdraw consent where processing is based on consent

To exercise these rights, contact us using the information in Section 9.

7. International Data Transfers

Your data is primarily processed and stored within Uganda. When we use service providers that may process data outside Uganda (e.g., cloud services), we ensure appropriate safeguards are in place through data processing agreements and standard contractual clauses.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information.

9. Contact Information

For questions, concerns, or requests regarding this Privacy Policy or your personal data:

• Email: moses@muvulefinancing.com
• Phone: +256392176841
• Address: 1st Floor, ESAMI Building, Bombo Rd

10. Policy Updates

We may update this Privacy Policy periodically. We will notify you of significant changes through the app, via SMS, or via a direct call from our customer care department.