Mukando Capital

MUKANDO CAPITAL PRIVACY POLICY

Last Updated: 6/12/25

1. INTRODUCTION

At Mukando Capital ("we," "us," or "our"), we are committed to protecting your privacy and ensuring that your personal information is collected and processed in a lawful, fair, and transparent manner.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our website, mobile application ("App"), and services. This policy complies with the Data Protection Act [Chapter 11:12] (the "Act") and the Cyber and Data Protection Regulations of Zimbabwe.

2. WHO WE ARE

Mukando Capital is the "Data Controller" responsible for your personal information.

  • Physical Address: Sub Division H, Binda Estate, Goromonzi, Zimbabwe
  • Phone Number: +263 78 456 7174
  • Email: admin@mukandocapital.com

3. THE DATA WE COLLECT

We may collect, process, store, and transfer different kinds of personal data about you, including:

  • Identity Data: First name, last name, username, National ID number, date of birth, and gender.
  • Contact Data: Billing address, email address, and telephone numbers.
  • Financial Data: Bank account details, mobile money numbers (e.g., EcoCash, InnBucks), and payment card details.
  • Transaction Data: Details about payments to and from you and other details of products/services you have purchased from us or through your savings group (Mukando).
  • Technical Data: Internet Protocol (IP) address, your login data, browser type and version, time zone setting, and operating system used to access our App.

4. HOW WE COLLECT YOUR DATA

We use different methods to collect data from and about you:

  • Direct Interactions: You may give us your Identity, Contact, and Financial Data by filling in forms on our App or by corresponding with us by phone, email, or WhatsApp.
  • Automated Technologies: As you interact with our Platform, we may automatically collect Technical Data about your equipment, browsing actions, and patterns.
  • Third Parties: We may receive personal data about you from third parties, such as verification services (KYC) or payment processors.

5. HOW WE USE YOUR PERSONAL INFORMATION

We will only use your personal information when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

  • Service Provision: To register you as a new customer and manage your Mukando (savings group) accounts and contributions.
  • Legal Compliance: To comply with legal obligations, such as Anti-Money Laundering (AML) and Know Your Customer (KYC) regulations required by Zimbabwean law.
  • Communication: To notify you about changes to our terms or privacy policy, and to provide customer support.
  • Security: To detect and prevent fraud, spam, abuse, security incidents, and other harmful activity.

6. DISCLOSURE OF YOUR PERSONAL INFORMATION

We may share your personal information with the following parties:

  • Service Providers: Third-party companies that provide services to us, such as payment gateways, cloud hosting, and IT support.
  • Regulatory Authorities: The Postal and Telecommunications Regulatory Authority of Zimbabwe (POTRAZ), the Financial Intelligence Unit (FIU), or other government bodies if required by law.
  • Your Mukando Group: Limited information (such as contribution status) may be visible to other members of your specific savings group for transparency.

We do not sell your personal data to third parties.

7. DATA SECURITY

We have put in place appropriate security measures to prevent your personal information from being accidentally lost, used, or accessed in an unauthorised way.

  • Encryption: We use encryption protocols to protect data during transmission.
  • Access Control: Access to your personal information is limited to employees, agents, and contractors who have a business need to know.
  • Breach Notification: In the unlikely event of a data breach that risks your rights and freedoms, we will notify you and the Data Protection Authority (POTRAZ) within 24 hours, as required by Zimbabwean regulations.

8. DATA RETENTION

We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. By law, we may be required to keep basic information about our customers for a minimum of five (5) years after they cease being customers for tax and legal purposes.

9. YOUR LEGAL RIGHTS

Under the Data Protection Act [Chapter 11:12], you have the right to:

  • Request access to your personal information.
  • Request correction of the personal information that we hold about you.
  • Request erasure of your personal information (subject to legal retention requirements).
  • Object to processing of your personal information.
  • Request the restriction of processing of your personal information.
  • Withdraw consent at any time where we are relying on consent to process your personal information.

If you wish to exercise any of these rights, please contact our Data Protection Officer at the contact details provided below.

10. CONTACT US

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Mukando Capital
Address: Sub Division H, Binda Estate, Goromonzi, Zimbabwe
Phone: +263 784567174
Email: admin@mukandocapital.com

11. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and if the changes are significant, we will provide a more prominent notice (e.g., email notification or in-app pop-up).