Effective Date: April 6, 2009
At afriCore‑OS, your privacy and the security of your data are our highest priorities. This Privacy Policy explains how we collect, use, store, and protect information when you use our platform. By using afriCore‑OS, you agree to the practices outlined here.
1. Information We Collect
We collect information to provide you with seamless SACCO, cooperative, and welfare management services. This includes:
Personal Information: Name, email address, phone number, ID or passport details, and other identity verification details.
Financial Information: Member savings, shares, loan details, payment history, and transaction records.
Device & Usage Data: IP address, browser type, login times, and system activity to improve security and performance.
Third-Party Information: Information from banks, payment processors, or other service providers integrated with afriCore‑OS.
2. How We Use Your Information
Your data is used strictly to operate and improve afriCore‑OS:
Manage members, savings, loans, transport, and courier services.
Provide real-time dashboards and financial analytics.
Generate SASRA-compliant reports for audits and regulatory compliance.
Communicate with you about account activity, updates, or security alerts.
Improve our platform, detect fraud, and maintain system security.
We never sell or share your personal information for marketing purposes outside of the services you opt into.
3. Data Security
afriCore‑OS implements industry-standard technical and organizational measures to protect your information:
Encryption of sensitive data in transit and at rest.
Access controls limiting who can view or modify member data.
Regular security audits and monitoring.
However, no system is completely immune to risk. By using afriCore‑OS, you acknowledge that data is provided at your own risk, and we encourage strong passwords and secure access practices.
4. Sharing and Disclosure
We may share your information in the following situations:
Regulatory Compliance: With SASRA, the Central Bank of Kenya, or other authorities, if required by law.
Legal Obligations: To comply with court orders, fraud investigations, or legal processes.
Third-Party Service Providers: Only when necessary for processing payments, analytics, or cloud storage, under strict confidentiality agreements.
All third-party services we use are bound to adhere to equivalent privacy and security standards.
5. Data Retention
We retain your data only as long as necessary to:
Provide services to your SACCO or cooperative.
Comply with legal, regulatory, and accounting requirements.
Protect our rights and prevent fraud or abuse.
After this period, your data will be securely deleted or anonymized.
6. User Rights
You have the right to:
Access your personal information.
Request correction of inaccurate or incomplete information.
Request deletion of data where permissible under law.
Withdraw consent for electronic communications (email or SMS).
To exercise these rights, contact us at: support@africore-os.com
.
7. Cookies and Tracking
afriCore‑OS may use cookies or similar technologies to:
Improve platform performance and user experience.
Remember login sessions.
Monitor usage patterns for analytics and security purposes.
You can disable cookies via your browser settings, but this may affect certain functionalities of afriCore‑OS.
8. Children’s Privacy
afriCore‑OS is intended for adults managing SACCOs, cooperatives, and welfare groups. We do not knowingly collect information from children under 13.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The effective date will be updated, and major changes will be communicated via email or platform notification.
10. Contact Us
If you have questions or concerns about this Privacy Policy or your data:
📧 Email: info@africore-os.com
📞 Phone: +254 722 826 575
🌐 Website: africore-os.com
afriCore‑OS – Protecting Your SACCO, Your Members, and Your Data.
