Privacy Policy

1. Introduction

Achivu Africa Solutions ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services and website.

This policy complies with the Tanzania Data Protection Act 2022 and international best practices.

2. Information We Collect

2.1 Information You Provide

• Account Information: Name, email address, password
• Payment Information: Phone number, mobile money account details
• Profile Information: Company name, contact details
• Communication Data: Messages, inquiries, support requests

2.2 Automatically Collected Information

• Usage Data: Pages visited, features used, time spent
• Device Information: Browser type, IP address, device identifiers
• Log Data: Access times, errors, performance metrics

2.3 Payment Transaction Data

• M-Pesa transaction references
• Payment amounts and timestamps
• Sender phone numbers
• Transaction success/failure status

3. How We Use Your Information

We use your information to:

• Provide Services: Process subscriptions, verify payments, deliver services
• Smart Payment Matching: Automatically match payments to subscriptions using our AI algorithm
• Communication: Send service updates, payment confirmations, renewal reminders
• Support: Respond to inquiries and provide customer assistance
• Improvement: Analyze usage patterns to enhance our services
• Security: Detect and prevent fraud, unauthorized access
• Legal Compliance: Meet regulatory requirements and enforce our terms

4. Information Sharing

We may share your information with:

4.1 Service Providers

• Payment processors (M-Pesa, Tigo Pesa, etc.)
• Email service providers
• Cloud hosting providers
• Analytics services

4.2 Legal Requirements

We may disclose your information if required by law, court order, or government request, or to protect our rights, property, or safety.

4.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Data Security

We implement industry-standard security measures including:

• Encryption of data in transit (HTTPS/TLS)
• Secure password hashing (bcrypt)
• Regular security audits
• Access controls and authentication
• Secure database storage

However, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but strive to use commercially acceptable means to protect your data.

6. Your Rights

Under the Tanzania Data Protection Act 2022, you have the right to:

• Access: Request a copy of your personal data
• Correction: Update inaccurate or incomplete information
• Deletion: Request deletion of your account and data
• Portability: Receive your data in a structured format
• Restriction: Limit how we process your data
• Objection: Object to certain processing activities
• Withdraw Consent: Opt-out of marketing communications

To exercise these rights, contact us at work@achivu.com

7. Data Retention

We retain your information for as long as:

• Your account is active
• Needed to provide services
• Required by law or for legal purposes
• Necessary for legitimate business purposes

Payment transaction data is retained for 7 years as required by Tanzanian financial regulations.

8. Cookies & Tracking

We use cookies and similar technologies to enhance user experience, analyze usage, and remember your preferences. You can control cookie settings through your browser.

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand usage patterns
• Preference Cookies: Remember your settings

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.

10. Children's Privacy

Our services are not intended for children under 18. We do not knowingly collect information from children. If you believe we have collected data from a child, please contact us immediately.

11. Changes to Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through our website. Continued use of our services after changes constitutes acceptance of the updated policy.

12. Contact Us

For questions about this Privacy Policy or to exercise your rights:

• Email: work@achivu.com
• Phone: +255 755 123 456
• Address: Dar es Salaam, Tanzania
• Data Protection Officer: dpo@achivu.com