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Privacy Policy


This Privacy Policy explains how Sacco Shares Exchange (referred to as “the Service”) collects and processes personal data when you use the Service. By using the Service, you agree to this Privacy Policy, and confirm that you are over 18 years of age. If you do not agree or cannot make this promise, please do not use the Service. Contact our support team via email (support@saccoexchange.com) to request the deletion of your account and data.



The personal data controller is Sacco Shares Exchange Limited, a company registered in Kenya.



We collect personal data you provide voluntarily and automatically.

2.1 Data you give us

To register for and/or use the Service, you may be asked to provide Required Information, such as your first name, last name, phone number, email, gender, date of birth and address details. Providing Required Information is necessary to use our Service and register an account. If you do not give this data, some Service functionality may be limited to you.

Sometimes, you may also need to provide additional information to our Support Team to fulfil your request. For example, if your account was previously blocked, we may ask you to confirm your identity by providing an ID document.

You can also choose to provide additional personal information, when posting an announcement. By providing personal data in an announcement, you acknowledge that you are making such data publicly available. We will also make some personal data from your profile publicly available to facilitate communication between users.

You should carefully consider the risks associated with making certain information publicly available, such as your phone number, address, or exact location.


If you were invited to create an account in the Service, the person that invited you can provide personal information about you, such as your phone number, email address, social media account, or other contact information.


We may collect your name, official government ID number, and photo image to confirm your identity.



We process your personal data for various purposes related to providing our service. These include:

3.1. Providing Sacco Shares Exchange services

Our primary purpose is to enable you to use Sacco Shares Exchange seamlessly and address any technical issues you may face while using the platform.


3.2. Personalizing your Experience

We tailor the content of the platform to your personal preferences and interests to enhance your user experience.


3.3. Managing your account and Providing Customer Support

We manage your account and address any technical support issues you raise, including responding to your communication on any platform. We may notify you of important information concerning our service, such as changes in our terms of service or security, via emails or notifications.


3.4. Communicating with You

We may communicate with you via push notifications or in-app chat regarding your use of Sacco Shares Exchange. If you do not wish to receive push notifications, you can change your device settings or adjust your preferences in your profile settings.


3.5. Researching and Analyzing Your Use of the Service

We analyze your usage patterns to improve Sacco Shares Exchange's features and user experience. For instance, we may focus on developing specific features that are popular among our users or improve less-popular sections.



3.6. Sending You Marketing Communications

We may send you marketing materials regarding our products and our partners' products via email or advertisements on the website. You may opt-out of receiving such materials by following the instructions provided in the footer of the email or by contacting our support team at support@saccoexchange.com .


3.7. To personalize our ads we and our partners use your personal data to tailor ads and possibly even show them to you at the relevant time. For example, if you have visited our Sacco Shares Exchange, you might see ads of our products, for example, in your Facebook’s feed. We may target advertising to you through a variety of ad networks and exchanges, using data from advertising technologies on and off of our Services like, unique cookie, or similar tracking technology, pixel, device identifiers, geolocation, operation system information, email. How to opt out or influence personalized advertising iOS: On your iPhone or iPad, go to “Settings,” then “Privacy” and tap “Advertising” to select “Limit Ad Track”. In addition, you can reset your advertising identifier (this also may help you to see less of personalized ads) in the same section. Android: To opt-out of ads on an Android device, simply open the Google Settings app on your mobile phone, tap “Ads” and enable “Opt out of interest-based ads”. In addition, you can reset your advertising identifier in the same section (this also may help you to see less of personalized ads). To learn even more about how to affect advertising choices on various devices, please look at the information available here. In addition, you may get useful information and opt out of some interest-based advertising, by visiting the following links:

* Network Advertising Initiative – http://optout.networkadvertising.org/

* Digital Advertising Alliance – http://optout.aboutads.info/

* Digital Advertising Alliance (Canada) – http://youradchoices.ca/choices

* Digital Advertising Alliance (EU) – http://www.youronlinechoices.com/

* DAA AppChoices page – http://www.aboutads.info/appchoices Browsers: It is also may be possible to stop your browser from accepting cookies altogether by changing your browser’s cookie settings. You can usually find these settings in the “options” or “preferences” menu of your browser.

3.8. To enforce our Terms and Conditions of Use and to prevent and combat fraud We use personal data to enforce our agreements and contractual commitments, to detect, prevent, and combat fraud. As a result of such processing, we may share your information with others, including law enforcement agencies (in particular, if a dispute arises in connection with our Terms of Use).


3.9. To comply with legal obligations We may process, use, or share your data when the law requires it, in particular, if a law enforcement agency requests your data by available legal means.


3.10. To process your payments We provide paid products and/or services within the Service. For this purpose, we use third-party services for payment processing (for example, payment processors). As a result of this processing, you will be able to make a payment and use the paid features of the Service.



We process your personal data, in particular, under the following legal bases:

4.1. Your consent;

4.2. To perform our contract with you;

4.3 Under the basis of our legitimate interests, we engage in various activities such as communicating with you about your use of our Service, conducting research and analysis on your usage patterns, sending you marketing communications, personalizing ads, and enforcing our Terms of Use.

We send you push notifications to remind you of unread messages with the aim of encouraging you to use our Service more frequently while also considering the potential benefits to you. We analyze your use of the Service to improve it and provide a better user experience, such as making our mobile application more user-friendly and testing new features. We also send marketing communications and personalize ads to promote our Service in a reasonable and targeted manner.


4.4 We also engage in activities under the legal obligation basis to ensure compliance with applicable laws and regulations.



We work with third-party organizations to operate, improve, customize, and market our Service. These organizations are essential in helping us integrate and support our Service and may also assist us in complying with legal obligations. In some cases, we may share certain sets of personal data with third parties, as outlined in Section 2 of this Privacy Policy.


5.1 Service Providers

Our third-party partners include service providers who perform business functions on our behalf, following our instructions. We share your personal information with service providers such as payment processing services like M-Pesa, data analytics providers like Facebook, Google, and Appsflyer, and marketing partners such as social media networks, marketing agencies, and email delivery services, like Facebook, Google, and Elastic email.

Additionally, we may also share personal data with local banks and credit organizations


5.2. Advertising partners

We may share your personal data with our advertising partners to help us target and measure the effectiveness of our advertising campaigns. These partners may also use cookies and similar technologies to collect information about your interactions with our Service and other websites and applications.


5.3. Analytics providers

We may share your personal data with analytics providers to help us understand how users interact with our Service, to improve our Service, and to develop new products and services. These providers may also use cookies and similar technologies to collect information about your interactions with our Service and other websites and applications.


5.4. Legal and regulatory authorities

We may share your personal data with law enforcement agencies, courts, regulatory bodies, and other public authorities as required by law or to comply with a legal obligation. We may also share your personal data with third parties to protect our rights, property, or safety, or the rights, property, or safety of others.


5.5. Business transfers

In the event that we sell, transfer, or merge parts of our business, or if we undergo a reorganization or restructuring, we may transfer your personal data to third parties involved in the transaction, including potential purchasers or investors. In such cases, we will ensure that your personal data is protected and that the transfer complies with applicable data protection laws.



We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period for your personal data will depend on the type of personal data and the purpose for which it was collected.



You have certain rights and choices regarding your personal data, as set out below:

7.1. Access and update your personal data

You have the right to access and update your personal data that we hold. You can do this by logging into your account on our Service or by contacting us at the email address provided at the end of this Privacy Policy.


7.2. Object to the processing of your personal data

You have the right to object to the processing of your personal data in certain circumstances, including where we rely on our legitimate interests to process your personal data. To exercise this right, please contact us at the email address provided at the end of this Privacy Policy.


7.3. Opt out of marketing communications

You can opt out of receiving marketing communications from us at any time by following the unsubscribe link provided in our emails or by contacting us at the email address provided at the end of this Privacy Policy.


7.4. Opt out of targeted advertising

You can opt out of targeted advertising by following the instructions in Section 3.7 of this Privacy Policy.


7.5. Request the deletion of your personal data

You have the right to request the deletion of your personal data in certain circumstances, including where your personal data is no longer necessary for the purposes for which it was collected or where you have withdrawn your consent to its processing. To request the deletion of your personal data, please contact us at the email address provided at the end of this Privacy Policy.



We take appropriate technical and organizational measures to protect your personal data from unauthorized access, disclosure, alteration, or destruction. We regularly review and update our security measures to ensure the ongoing confidentiality, integrity, availability, and resilience of our processing systems and services.



We may update this Privacy Policy from time to time by posting a new version on our Website. You should check this page occasionally to ensure that you are happy with any changes to this Privacy Policy. We will notify you of any material changes to this Privacy.



If you have any questions or concerns regarding this Privacy Policy or any of its previous versions, please do not hesitate to contact us. We are committed to providing you with clear and concise information about how we collect, use, and protect your personal data.

If you have questions or concerns about your account or personal data, please contact us through our email support@saccoexchange.com .