PRIVACY POLICY FOR THE M-NOBLE APP
Last Updated: 13/01/2025
Welcome to Noble Sacco Society (“we,” “our,” or “us”). This Privacy Policy (“Policy”) outlines how we collect, use, disclose, and protect your personal information when you use our M-Noble App and related services. We are committed to respecting your privacy and ensuring compliance with applicable data protection laws and regulations.
This Privacy Policy is published on our official website https://noblesaccosociety.co.ke/ to make it easily accessible to our members, users, and stakeholders.
1. Scope and Acceptance
By downloading, installing, accessing, or otherwise using the M-Noble App, you confirm that you have read, understood, and agreed to the practices described in this Privacy Policy. If you do not agree with any part of this Policy, please refrain from installing or using the M-Noble App.
2. Information We Collect
We collect various types of information to provide you with the best possible services, improve your experience, and maintain the security of our platform.
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Personal Information:
Name, phone number, email address, identification number(s), and other registration details. SACCO membership details (e.g., membership number). -
Transaction Information:
Records of your account transactions, loan applications, and other financial interactions conducted via the M-Noble App. -
Device and Usage Information:
Device type, unique device identifiers, operating system type and version, IP address, access dates and times, and app crash reports. -
Location Information:
If you grant permission, we may collect precise or approximate location data to tailor certain features or prevent fraudulent transactions. -
Cookies and Similar Technologies:
Our website may use cookies or similar tracking technologies to enhance user experience and collect usage statistics. You may adjust your browser or device settings to refuse cookies; however, some features may become unavailable or may not function properly without cookies.
3. How We Use Your Information
We use the information we collect for the following purposes:
- Service Delivery: To provide and operate the M-Noble App, process your transactions, manage your accounts, and respond to your inquiries.
- Account Management: To create and maintain your membership account, verify identities, and authenticate your access to the M-Noble App.
- Communication: To inform you about important updates, changes to our services, and promotional offers (with your prior consent where required by law).
- Security and Fraud Prevention: To detect, investigate, and prevent fraudulent transactions, unauthorized access, or illegal activities on the M-Noble App.
- Compliance and Legal Requirements: To comply with all applicable laws, regulations, legal processes, and enforce our Terms and Conditions.
- Analytics and Improvements: To monitor usage patterns, troubleshoot issues, and improve the performance and user experience of the M-Noble App.
4. How We Share Your Information
We do not share, sell, rent, or trade your personal information to third parties for marketing purposes. We may disclose your information under the following circumstances:
- Service Providers: We may share personal information with trusted third-party service providers (e.g., payment processors, data hosting services) who assist us in providing our services. These providers are contractually obligated to keep your information confidential and to use it only for the specific purposes for which we disclose it.
- Legal Requirements: We may share your information where required by law or if we believe in good faith that such disclosure is necessary to comply with legal obligations, protect our rights or property, investigate fraud, or respond to lawful requests.
- Business Transactions: In the event of a reorganization, merger, acquisition, or sale of some or all of our assets, personal information may be transferred to the relevant third party involved in the transaction. We will notify you of any such change in ownership or transfer of assets.
5. Data Retention
We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Policy, unless a longer retention period is required or permitted by law. Once your information is no longer needed, we will securely delete or anonymize it according to our data retention policies and applicable regulations.
6. Data Security
We implement appropriate technical and organizational measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include, but are not limited to, encryption of data in transit, secure servers, access controls, and regular security assessments. While we strive to protect your data, no method of transmission over the internet or electronic storage is completely secure; therefore, we cannot guarantee its absolute security.
7. Your Rights and Choices
Depending on the laws in your jurisdiction, you may have certain rights regarding your personal information, such as:
- Access and Update: You can access, correct, or update your personal details by contacting us or using the account settings in the M-Noble App.
- Data Deletion: You may request that we delete your personal information if it is no longer necessary for the purposes for which it was collected or retained.
- Objection to Processing: You may object to our processing of your personal information if you believe it is unlawful or violates your rights.
- Withdrawal of Consent: Where processing is based on your consent, you have the right to withdraw consent at any time.
To exercise any of these rights or for more information, please contact us using the details provided in the “Contact Us” section below.
8. 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 you believe that a minor under your care has provided personal information without your consent, please contact us so we can promptly delete such information.
9. Links to Third-Party Websites
The M-Noble App and our website may contain links to third-party sites that are not operated by us. This Privacy Policy does not apply to third-party websites or services. We are not responsible for the content, privacy practices, or security of any third-party websites or services. We recommend that you review the privacy policies of these websites or services before providing any personal information.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal or regulatory obligations, or other legitimate reasons. When we make significant changes, we will notify you through the M-Noble App or by other means, and indicate the date of the latest revision at the top of this Policy. We encourage you to review this Policy periodically to stay informed about how we are protecting your information.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at:
Address: Noble Sacco Society, P.O BOX 3466, Eldoret, Kenya
Email: info@noblesaccosociety.co.ke
Phone: +(254) 707 559 535 | +(254) 105 119 848
We will respond to your inquiries in a timely manner.
By using the M-Noble App, you acknowledge that you have read and understood this Privacy Policy and agree to be bound by its terms.