Privacy Policy

This Privacy Policy outlines how Pamoja Bank collects, uses, and protects your information when you use our services.

1. Information We Collect

• Personal details (e.g., name, email, phone number, ID)
• Account details and transaction history
• Device and location information
• Cookies and browser data (for improving user experience)

2. How We Use Your Information

• To provide and maintain your account and our services
• To comply with legal obligations (e.g., AML, KYC)
• To improve our services and prevent fraud
• To communicate with you about your account or updates

3. Data Security

• End-to-end encryption of sensitive data
• Two-factor authentication (2FA) where applicable
• Internal access control and audit logs

4. Sharing of Data

• We do not sell or rent your personal data
• Data may be shared with regulatory authorities when required
• We may use third-party services (e.g., payment processors) that are bound by data protection agreements

5. Use of Cookies

• Cookies help us remember user preferences and improve performance
• You can disable cookies in your browser settings, but some features may not work properly

6. Your Rights

• Access, update, or delete your personal information by contacting us
• Request data portability or object to processing in certain circumstances

7. Retention of Data

• We retain your data only as long as necessary to fulfill the purposes outlined
• Data may be retained longer where required by law

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

9. Changes to This Policy

We may update this Privacy Policy occasionally. You will be notified via email or our website when significant changes occur.