Last updated: 11-05-2025

At ChiwawaPay, your privacy and data security are our top priority.
This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our payment platform, mobile app, APIs, and related services (“Services”).

By accessing or using ChiwawaPay, you agree to this Privacy Policy.

1. Who We Are

ChiwawaPay is a digital payment platform operated by T-INFLUENCER Ltd, registered in Tanzania Mainland.
We enable businesses and individuals to send, receive, and manage payments securely through mobile money, card, and bank integrations.

2. Information We Collect

We collect the following types of information when you use our Services:

a. Personal Information

When you create an account or use our Services, we may collect:

• Full name

• Phone number and email address

• Business name and registration details

• National ID or passport number

• Tax Identification Number (TIN)

• Physical or business address

b. Transaction Information

We collect data about your transactions, including:

• Payment amount, method, and status

• Customer details and payment references

• Device and network used during transactions

c. Technical and Usage Data

We automatically collect:

• IP address and browser type

• Device type and operating system

• Access times and activity logs

• Cookies and analytics data (to improve user experience)

d. Third-Party Information

We may receive information about you from:

• Financial institutions, payment networks, and mobile money providers

• Identity verification partners and regulators

• Public databases and anti-fraud services

3. How We Use Your Information

We use the data we collect to:

1. Create and manage your account

2. Process and settle payments

3. Verify your identity and prevent fraud

4. Provide customer support and technical assistance

5. Comply with legal and regulatory requirements

6. Improve, personalize, and optimize our Services

7. Communicate with you about updates, promotions, or new features (you can opt out anytime)

4. Legal Basis for Processing

We process your personal data under the following legal bases:

• Contractual necessity – to provide and manage your ChiwawaPay account

• Legal obligation – to comply with financial, tax, or anti-money laundering (AML) laws

• Legitimate interest – to improve our Services and prevent fraud

• Consent – for marketing or specific optional features

5. How We Share Your Information

We may share your information with:

• Financial partners (banks, card networks, mobile money operators) for transaction processing

• Regulatory bodies such as the Bank of Tanzania, for compliance and reporting

• Service providers (IT support, KYC/AML verification, analytics) under strict confidentiality agreements

• Law enforcement authorities, if required by law

• Business partners when integrating with third-party platforms or APIs (only with your consent)

We never sell your personal data.

6. Data Retention

We retain your data only as long as necessary to:

• Provide our Services

• Comply with legal and regulatory requirements

• Resolve disputes or enforce agreements

When data is no longer needed, it is securely deleted or anonymized.

7. Data Security

We use advanced technical and organizational measures to protect your information, including:

• Data encryption (in transit and at rest)

• Secure socket layer (SSL) technology

• Multi-factor authentication for account access

• Continuous monitoring and regular security audits

However, no system is completely secure. You are responsible for maintaining the confidentiality of your login credentials.

8. International Data Transfers

If your data is transferred or processed outside Tanzania, we ensure it is handled under adequate data protection safeguards and in compliance with applicable privacy laws.

9. Your Rights

Depending on applicable law, you may have the right to:

• Access the personal data we hold about you

• Request correction or deletion of your data

• Withdraw consent for optional data processing (e.g., marketing)

• Object to or restrict certain processing activities

• Request a copy of your data in portable format

You can exercise these rights by contacting us at hello@chiwawapay.com.

10. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences

• Track site performance and analytics

• Enhance security and prevent fraud

You can modify cookie settings in your browser, but disabling cookies may limit functionality.

11. Children’s Privacy

ChiwawaPay does not knowingly collect or process personal information from individuals under 18 years old.
If you believe a minor has provided us data, please contact us for immediate removal.

12. Updates to This Policy

We may update this Privacy Policy periodically to reflect new features, laws, or business practices.
When we do, we will update the “Last Updated” date and notify users through our website or email.

13. Contact Us

If you have questions, concerns, or complaints about how we handle your data, please reach out to us