Privacy Policy

1 Information We Collect

We collect information you provide directly to us when you:

• Register an account — full name, email address, phone number, and password
• Create or join a tontine — group name, location (province, district, sector), contribution amounts and schedules
• Make contributions or request loans — transaction amounts, dates, and repayment records
• Use the referral program — referral codes and commission tracking data
• Contact us — messages, feedback, and support requests
• Subscribe to our newsletter — email address

We also automatically collect certain technical data including IP address, browser type, device information, and usage patterns to improve platform performance.

2 How We Use Your Information

We use the information we collect to:

• Create and manage your account securely
• Process tontine contributions, loan requests, and repayments
• Send OTP verification codes and security alerts
• Calculate and distribute referral commissions
• Generate financial reports for your tontine groups
• Send platform updates, newsletters (only if subscribed), and important notifications
• Improve our services and develop new features
• Comply with legal obligations and prevent fraud

3 Data Sharing & Disclosure

We do not sell your personal data to third parties. We may share your information only in these limited circumstances:

• Within your tontine group — members of a tontine you belong to can see your name, contribution status, and loan activity relevant to that group
• Service providers — trusted partners who help us operate the platform (e.g., email delivery, cloud hosting) under strict confidentiality agreements
• Legal requirements — when required by law, court order, or to protect the rights and safety of our users

4 Data Security

We implement bank-level security measures to protect your data:

• All passwords are hashed using industry-standard encryption
• OTP-based two-factor authentication for account access
• Secure HTTPS connections for all data transmission
• Regular security audits and vulnerability assessments
• Access controls limiting who can view sensitive data

While we take every precaution, no system is 100% secure. We encourage you to use a strong, unique password and keep your OTP codes confidential.

5 Your Rights

You have the right to:

• Access — request a copy of the personal data we hold about you
• Correct — update inaccurate or incomplete information via your profile settings
• Delete — request deletion of your account and associated data (subject to legal retention requirements)
• Unsubscribe — opt out of marketing emails at any time using the unsubscribe link or our newsletter form
• Data portability — request your data in a portable format

To exercise any of these rights, contact us at tabitakwizerisezerano@gmail.com.

6 Cookies

We use cookies and similar technologies to maintain your session, remember your preferences (such as language and dark mode), and analyze platform usage. You can control cookie settings through your browser. See our Cookie Policy for full details.

7 Data Retention

We retain your personal data for as long as your account is active or as needed to provide services. Financial transaction records may be retained longer to comply with accounting and legal obligations. When you delete your account, we remove your personal data within 30 days, except where retention is legally required.

8 Children's Privacy

TONTINE HUB is not intended for users under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has registered, please contact us immediately.

9 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or a prominent notice on the platform. Continued use of TONTINE HUB after changes constitutes acceptance of the updated policy.

10 Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your data, please reach out: