Privacy Policy

1.Overview

This Privacy Policy explains what personal information Mjengo Challenge collects when you use our savings challenges, groups, and material purchase features, why we collect it, and how we keep it safe. It applies to our website and any mobile app that connects to our services.

2.Information We Collect

Account & identity information

• Full name, username, email address, and phone number.
• Your National ID (NIDA) number, used to verify your identity — this is important on a platform where you and other members are pooling money together toward shared materials.
• Optional profile details you choose to add, such as date of birth, address, or a profile photo.

Payment & transaction information

• Payment amounts, dates, challenge/group references, and mobile money transaction references returned by our payment partner, Selcom.
• We do not collect or store your mobile money PIN — that's entered directly with your mobile network operator.

Usage & device information

• Pages and features you use, general device and browser information, and IP address, for security and to keep the Platform working correctly.
• Cookie preferences and consent history — see Cookies below.

3.How We Use Your Information

• To operate your account — creating and managing your challenges, group memberships, and payment history.
• To process payments — passing the minimum necessary details to Selcom to initiate and confirm mobile money transactions.
• To verify identity — using your NIDA number to confirm you are who you say you are, protecting the group savings of everyone participating alongside you.
• To communicate with you — payment confirmations, penalty notices, group approval updates, and challenge status changes, delivered through in-app notifications and, where relevant, email or SMS.
• To keep the Platform secure — detecting fraud, misuse of coupon codes, and unauthorized account access.
• To improve the Platform — understanding, in aggregate, how challenges and groups are used, if you've consented to analytics cookies.

4.Who We Share It With

• Selcom (our mobile money payment processor) — to initiate and confirm your payments. Selcom processes this under its own security and regulatory obligations as a licensed payment provider.
• Group leaders — see limited information about members of their own group (username, membership status, payment progress) needed to manage that group. Leaders do not see your NIDA number, phone number, or payment method details.
• Our staff — marketing, admin, and platform-management staff can access account and transaction data only as needed to operate the Platform (e.g. approving groups, resolving penalties, arranging material delivery).
• Legal authorities — if required by Tanzanian law or a valid legal request.

We do not sell your personal information to third parties.

5.Cookies

We use a cookie consent banner that lets you choose your preferences across three categories, and we record your choice (and the policy version you agreed to) so we can respect it on future visits:

• Essential — required for the site to function (staying logged in, security, remembering your cookie choice itself). These can't be turned off.
• Analytics — optional, helps us understand how the Platform is used so we can improve it. Off unless you opt in.
• Marketing — optional, used for promotional communications. Off unless you opt in.

You can change your cookie preferences at any time from the cookie banner's "Manage preferences" option.

6.How We Protect Your Data

• Passwords are stored using industry-standard hashing — we never store or display your password in readable form, including to our own staff.
• Connections to the Platform are encrypted (HTTPS).
• Access to sensitive account and payment data is restricted to staff roles that genuinely need it to do their job (support, admin, marketing, and platform management).

7.Data Retention

We keep your account and transaction records for as long as your account is active and for a reasonable period afterward, to meet our accounting, dispute-resolution, and legal obligations. If you'd like your account closed, contact support and we'll let you know what we can and can't delete given those obligations.

8.Your Rights

You can:

• Ask us what personal information we hold about you.
• Ask us to correct inaccurate information on your account.
• Withdraw marketing/analytics cookie consent at any time.
• Ask about closing your account, subject to the retention obligations described above.

To exercise any of these, contact us using the details below.

9.Children's Privacy

The Platform requires NIDA identity verification and is intended for adults capable of entering a binding financial commitment. It is not directed at children, and we do not knowingly collect information from minors.

10.Changes to This Policy

We may update this Privacy Policy as our features change. We'll update the "Last updated" date above, and where a change is significant — such as a new category of data we collect — we'll let you know through the Platform.

11.Contact Us

For any privacy question or request, reach us at mjengochallenge@oweru.com or +255 716 941 564.