Tunzaa
Draft — pending legal review

Privacy Policy

This is a working draft of Tunzaa’s Privacy Policy. It is not yet in effect and will be replaced once legal review is complete.

1. Who This Policy Covers

This Privacy Policy applies to personal data collected through Tunzaa’s websites, mobile applications, and platforms — including Malipo, Soko, and Mauzo — operated by Tunzaa Digital Holdings Limited and Tunzaa Fintech Inc. (together, “Tunzaa,” “we,” “us”).

It covers shoppers, sellers, vendors, delivery partners, Winga agents, business customers, and website visitors.

2. Information We Collect

We collect information you provide directly, including:

  • Identity and contact details (name, phone number, email, address)
  • Account credentials and profile information
  • KYC/KYB verification details (identity documents, business registration, tax information)
  • Payment and transaction information
  • Communications with our support team

We also collect information automatically, including:

  • Device, browser, and app usage data
  • Location data, where enabled
  • Log and analytics data (pages visited, timestamps, IP address)

3. How We Use Information

We use personal data to:

  • Create and manage accounts across Malipo, Soko, and Mauzo
  • Process payments, orders, deliveries, and settlements
  • Verify identity and comply with KYC, AML, and financial-crime obligations
  • Provide customer support and respond to enquiries
  • Detect, investigate, and prevent fraud and abuse
  • Improve and personalise our products
  • Meet regulatory, tax, and legal obligations

4. How We Share Information

We may share personal data with:

  • Payment, banking, and mobile money partners required to process a transaction
  • Delivery and logistics partners required to fulfil an order
  • Sellers and vendors, limited to what is needed to fulfil your order
  • Service providers who support our infrastructure, hosting, and analytics
  • Regulators, law enforcement, or courts where required by law
  • A successor entity in connection with a merger, acquisition, or restructuring

We do not sell personal data to third parties.

5. Data Retention

We retain personal data for as long as necessary to provide our services, meet legal and regulatory record-keeping obligations, resolve disputes, and enforce our agreements. Retention periods vary by data type and applicable law.

6. Your Rights

Depending on your location and applicable law — including Tanzania’s Personal Data Protection Act — you may have the right to access, correct, delete, or restrict the use of your personal data, object to certain processing, and request a copy of your data in a portable format.

To exercise these rights, contact us using the details below.

7. Cookies and Tracking

We use cookies and similar technologies to keep you signed in, remember preferences, and understand how our platforms are used. You can manage cookie preferences through your browser settings.

8. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal data against unauthorised access, loss, misuse, or alteration. No system is completely secure, and we cannot guarantee absolute security.

9. International Transfers

Because Tunzaa operates through entities in Tanzania and the United States, personal data may be transferred across borders. Where this occurs, we take steps designed to ensure the data remains protected consistently with this Policy and applicable law.

10. Children's Privacy

Our services are not directed to children, and we do not knowingly collect personal data from children without appropriate parental or guardian consent where required by law.

11. Changes to This Policy

We may update this Policy as our products, legal obligations, or business practices change. Material changes will be communicated through our platforms before they take effect.

12. Contact Us

Questions about this Policy or your personal data can be directed to:

Tunzaa Digital Holdings Limited
P.O. Box 13416, Delta House, Dunga Street / Morocco Road, Plot 399 / Block 42, Kinondoni, Dar es Salaam, United Republic of Tanzania

Tunzaa Fintech Inc.
256 Chapman Road, STE 105-4, Newark – New Castle, Delaware 19702, United States of America