Privacy Policy - ROTA Money


Effective Date: [January, 2026]
 
 
ROTA Financial Technologies Ltd (“ROTA”, “we”, “our”, or “us”) operates the ROTA Money mobile application (the “App”). We are committed to protecting your privacy and handling your personal data in accordance with the Kenya Data Protection Act, 2019 and applicable regulations.
 
This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the App.
 
 
1. Information We Collect
 
We may collect the following types of information:
 
a) Personal Information
  • Full name
  • Phone number
  • Email address (if provided)
  • National ID number (if required for verification)
 
b) Financial & Group Information
  • Chama/group membership details
  • Contribution records and payout history
  • Transaction references from mobile money providers
 
ROTA Money does not collect or store your mobile money PIN.
 
c) Device & Technical Information
  • Device type and operating system
  • App usage data
  • IP address (for security and fraud prevention)
 
2. How We Use Your Information
 
We use your information to:
  • Create and manage user accounts
  • Enable Chama creation, contributions, and payouts
  • Provide transparent group records
  • Send notifications and reminders
  • Improve app performance and user experience
  • Detect and prevent fraud or unauthorized access
  • Comply with legal and regulatory obligations
 
3. Legal Basis for Processing
 
We process personal data based on:
  • Your consent
  • Performance of a contract (providing app services)
  • Compliance with legal obligations
  • Legitimate interests such as security and fraud prevention
 
4. Data Sharing & Disclosure
 
We do not sell, rent, or trade your personal data.
 
Your data may be shared only with:
  • Other members of your Chama (group-related information only)
  • Licensed mobile money providers (e.g., M-Pesa, Airtel Money) for payment processing
  • Service providers who support app operations under strict confidentiality
  • Regulatory or law enforcement authorities when legally required
 
5. Data Storage & Security
 
We implement reasonable technical and organizational measures to protect your data, including:
  • Encrypted data transmission
  • Secure authentication (PIN and/or bio-metrics)
  • Restricted internal access to personal data
While we take security seriously, no system is completely secure, and users are encouraged to protect their login credentials.
 
 
6. Data Retention
 
We retain personal data only for as long as necessary to:
  • Provide services
  • Meet legal, accounting, or regulatory requirements
When data is no longer required, it is securely deleted or anonymized.
 
 
7. Your Rights Under Kenyan Law
 
You have the right to:
  • Access your personal data
  • Correct inaccurate or incomplete data
  • Request deletion of your data (subject to legal limits)
  • Withdraw consent where processing is based on consent
  • Object to certain data processing activities
Requests can be made using the contact details below.
 
 
8. Children’s Privacy
 
ROTA Money is not intended for individuals under the age of 18.
We do not knowingly collect personal data from minors.
 
 
9. Third-Party Services
 
The App may interact with third-party services such as mobile money providers.
We are not responsible for the privacy practices of third parties, which are governed by their own policies.
 
 
10. Interest-Free & Financial Disclaimer
 
ROTA Money does not:
  • Offer interest-bearing products
  • Provide investment advice or returns
  • Guarantee payouts or financial outcomes
 
All financial activities are conducted and agreed upon by group members.
 
 
11. Changes to This Policy
 
We may update this Privacy Policy from time to time.
Users will be notified of significant changes through the App or other appropriate means.
 
 
12. Contact Us
 
If you have questions, concerns, or requests regarding this Privacy Policy or your personal data, contact us at:
 
ROTA Financial Technologies Ltd
Address:
Wuyi Plaza, Off Galana Road, Kilimani
P. O. Box 22568-00100 Nairobi, Kenya