Privacy Policy

Legal Document

Vibo Africa is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and safeguard your data when you use our platform at vibo.africa.

Information We Collect
How We Use Your Information
Sharing of Information
Data Security
Data Retention
Your Rights
Cookies
Changes to This Policy
Contact Us

1 Information We Collect

Registration data: Name, email address, phone number, and location.
KYC data: National ID or passport details submitted for identity verification.
Transaction data: M-Pesa payment records, Koin wallet activity, and platform transactions.
Usage data: Pages visited, features used, and device/browser information.

2 How We Use Your Information

To provide and operate platform services including wallet, loans, and group features.
To process M-Pesa payments and verify transactions.
To verify your identity and comply with KYC/AML requirements.
To communicate with you about your account and platform updates.
To improve our platform and prevent fraud.

3 Sharing of Information

We do not sell your personal data. We may share your information only:

With Safaricom/M-Pesa for payment processing.
With regulatory authorities if required by Kenyan law.
With service providers who assist in operating the platform, under strict confidentiality agreements.

4 Data Security

We implement industry-standard security measures to protect your data, including encrypted connections (HTTPS) and secure database storage. However, no online platform can guarantee absolute security, and you use our services at your own risk.

5 Data Retention

We retain your personal data for as long as your account is active or as required by law. You may request deletion of your account and associated data by contacting us, subject to any legal retention requirements.

6 Your Rights

You have the right to access, correct, or request deletion of your personal data. To exercise these rights, contact us at support@vibo.africa.

7 Cookies

We use session cookies to keep you logged in and improve your experience. We do not use third-party advertising cookies. You can disable cookies in your browser settings, but this may affect platform functionality.

8 Changes to This Policy

We may update this Privacy Policy from time to time. We will notify registered members of significant changes. Continued use of the platform after updates constitutes acceptance of the revised policy.

9 Contact Us

For any privacy-related questions or requests, contact us at support@vibo.africa.

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