Refugee Chama Hub

Privacy policy

Last updated: October 2026

This policy explains how Youth Voices Community (YVC) collects, uses, shares and protects information when you use Refugee Chama Hub, our chama management service and mobile application.

Information we collect

Depending on how you use the service, we may collect your name, email address, phone number, profile photo, identity and verification documents, chama membership, savings, loan and transaction records, device information, usage diagnostics, and location information where you give permission.

How we use information

• To provide account, chama, savings and loan services.
• To verify identity, maintain accurate records and prevent fraud.
• To send service, security and transaction notifications.
• To improve reliability, troubleshoot errors and develop the service.
• To meet legal, regulatory and financial record-keeping obligations.

When information is shared

We do not sell personal information. Information may be visible to authorised chama officials when needed to operate their group, and may be processed by service providers such as hosting, analytics, communications and payment providers. We may also disclose information when required by law, to protect users and the service, or with your consent.

Security and retention

We use access controls and reasonable technical and organisational safeguards to protect information. No internet service can guarantee absolute security. We keep account and transaction information while it is needed for the service and for legal or financial obligations; other information is removed or anonymised when no longer needed.

Your choices and rights

You may ask to access, correct, export, restrict or delete your personal information, subject to records we must retain by law. You can request account deletion through our account deletion page.

Children

Refugee Chama Hub is not directed to children under 13. We do not knowingly collect personal information from children under 13.

Changes to this policy

We may update this policy as the service changes. Material changes will be communicated in the app or through the contact details associated with your account.