How personal information is handled around Azina365.

1. Scope and roles

This notice applies to personal information handled by Ciphercom Ltd in connection with Azina365. When a customer organization uses Azina365 to manage its members, employees or customers, that organization determines why and how much of that information is used. Ciphercom Ltd processes that information to provide and support the service, subject to the applicable agreement and law.

For website enquiries, demo requests, account administration and direct support interactions, Ciphercom Ltd may determine how the information is used for those purposes.

2. Information we may handle

• Contact details supplied through demo, support or account interactions
• Organization, role and subscription information
• Member and financial records entered or managed by an authorized customer organization
• Authentication, permission and account-security information
• Service usage, device, diagnostic and audit information
• Communication preferences and support correspondence

Do not submit passwords, PINs or member financial data through the public demo form.

3. How information may be used

Information may be used to provide and administer Azina365, authenticate users, process authorized activity, deliver support, respond to enquiries, maintain security, improve reliability, meet contractual or legal obligations and communicate about requested services.

We do not sell personal information.

4. Service providers and disclosure

Ciphercom Ltd may use carefully selected hosting, communication, payment, support and infrastructure providers where necessary to deliver Azina365. Information may also be disclosed where required by law, to protect users or the service, or as part of an authorized corporate transaction.

Customer organizations decide which authorized users can access their information and which supported third-party integrations they enable.

5. Security

We use technical and organizational measures intended to protect information against unauthorized access, alteration, loss or misuse. These include supported encrypted connections, authentication safeguards, role-based permissions and activity records. No online service can promise absolute security.

If you believe information or an account may be at risk, contact security@azina365.com promptly.

6. Retention

Information is retained for as long as necessary to provide the service, maintain required business and audit records, resolve disputes, enforce agreements and meet applicable legal obligations. Retention periods can differ by information type and customer arrangement.

7. Access, correction and other choices

Requests concerning member or employee information should normally be directed first to the SACCO, MFI, chama, cooperative or employer that manages the account. Ciphercom Ltd will assist customer organizations with appropriate requests where required.

For information Ciphercom Ltd controls directly, you may contact us to request access, correction, deletion or another applicable data-protection right. Rights can be subject to identity verification and lawful limitations.

8. Cookies and local storage

The public website uses an essential session cookie when you use Loan Readiness & Credit Insight. It lets repeated requests from the same browser session share an anonymous reference and expires with the browser session. The Azina365 application may use cookies or similar browser storage needed for authentication, security, language preferences and service operation. Any future non-essential analytics or advertising technology should be disclosed and, where required, offered with appropriate choices before activation.

9. Public financial tools

The public loan calculator runs in your browser and does not submit its financial inputs to Azina365. If you choose to create a shareable calculation link, the figures are placed after the # symbol in the URL. That fragment is processed by the browser and is not included in the normal request sent to the web server. Anyone with the link can still read those figures, so share it only with people you trust.

Loan Readiness & Credit Insight is different: after clear consent, it sends the cash-flow, commitments, savings and proposed-loan figures you enter to Azina365 to calculate the report. We retain those submitted figures, derived report measures, consent version, an anonymous website-session reference, a one-way client hash and submission time for service auditing and aggregate usage analysis for up to 180 days. The session reference groups multiple reports from one browser session; it is not an account or verified identity. The tool does not request or store your name, email, phone number or raw IP address. Its output is an educational loan-readiness indication, not a CRB score, loan offer, guarantee or lending decision.

Do not enter names, account numbers or other personal identifiers into public financial-tool fields. You may contact us to request applicable access or deletion rights using the details below.

10. Hosting and cross-border processing

Service providers or configured infrastructure may process information in Kenya or other locations. Where information crosses borders, Ciphercom Ltd and customer organizations should apply safeguards required by their agreements and applicable law.

11. Changes to this notice

This notice may be updated as services or legal requirements change. The updated date will be revised and material changes may be communicated through the website, service or customer channels.

12. Contact

Ciphercom Ltd — Azina365
Nairobi, Kenya
support@azina365.com
+254 700 820 624