At allWomen.africa, we are deeply committed to protecting your privacy and safeguarding your personal, business, and financial data. This Privacy Policy explains how allWomen Connect (Pvt) Ltd (the Technology Platform Provider) and Uxpress Savings and Credit Co-operative Society Limited (the Regulated SACCO) collect, use, store, and share your information when you interact with our digital ecosystem, mobile application, and marketplace.
1. Information We Collect
To deliver a seamless blend of social networking, secure e-commerce, and cooperative banking, we collect the following categories of information:
1.1 Personal and Identity Data
· Registration Information: Name, email address, physical address, phone number, national registration or passport identification number, and date of birth (to verify you meet the statutory age requirement of 18 years for SACCO membership).
· Profile Information: Profile pictures, biographies, and social media content (posts, videos, and reels) that you choose to share publicly within the community ecosystem.
1.2 Financial and KYC Data
· Know-Your-Customer (KYC) Data: In compliance with the Co-operative Societies Act [Chapter 24:05] and anti-money laundering (AML) laws, we collect verified identification documents, proof of residence, and disclosures regarding external financial obligations.
· Transaction History: Records of your deposits, withdrawals, Mukando savings circle pools, loan allocations, coupon payments from co-op debentures, and peer-to-peer transfers inside the allWomen.africa™ system.
1.3 Merchant and Commercial Data
· Storefront Information: Shop names, product listings, pricing, branding materials, and advertisements.
· Operational Data: Customer inquiries, transaction success rates, and data processed by your automated Merchant AI business agent.
2. How We Use Your Information
We use your data to power your account, protect your funds, and optimize your experience:
· To Manage Cooperative Banking: Processing your deposits into dividend-earning Cooperative Development Investments (CDEs), managing your internal Unit Trusts, and tracking loan repayments or credit balances.
· To Facilitate Marketplace Activity: Enabling secure checkouts, managing Buy Now! Pay Later! distributions, tracking digital vouchers, and organizing local courier deliveries.
· To Deliver Ecosystem Perks: Allocating your NetOne mobile data bundles and validating marketplace purchases to trigger automatic benefits (such as termly student health cash cover).
· To Power AI Automation: Utilizing merchant store statistics to run your interactive AI business agent seamlessly.
· To Maintain Legal Compliance: Conducting necessary internal audits, preventing fraudulent activities, and generating regulatory reports required under Zimbabwean cooperative laws.
3. Data Sharing and Disclosure
We do not sell your personal data. Your information is shared strictly within the parameters of our dual technical and regulatory structure:
· The Core Shield (Platform and SACCO Sharing): By using this site, you explicitly authorize allWomen Connect (Pvt) Ltd to share your registration, identity, and financial data securely with Uxpress SACCO management, internal committees, and financial auditors to fulfill your membership functions.
· Marketplace Counterparties: When you buy or sell within the uXpress Marketplace, essential transactional information (such as shipping address and contact numbers) is shared between the buying member and the selling Merchant Cooperator to complete fulfillment.
· Third-Party Service Providers: We share limited data with trusted partners under strict confidentiality agreements—including telecommunications partners (for NetOne data bundles), payment institutions (for external bank card or eWallet processing), and licensed underwriters (for tailored micro-insurance products).
· Legal Obligation: We may disclose your information to government regulators, law enforcement, or statutory bodies if required to do so by the Co-operative Societies Act or an official court order.
4. Data Security and Retention
4.1 Security Measures
We implement rigorous administrative, technical, and physical security measures to shield your banking records and personal data. All financial transactions, account balances, and KYC data processed through allWomen.africa™ are guarded using industry-standard digital encryption, firewalls, and secure access tokens.
4.2 Data Retention
· Active Accounts: We retain your data for as long as your Cooperator or Merchant account remains open.
· Closed Accounts: If you resign from the SACCO by giving your mandatory 3 months' written notice, we are legally required by financial and co-operative regulations to retain your core financial transaction ledgers and KYC information for a statutory period to satisfy tax, audit, and AML compliance before permanent erasure.
5. Your Rights and Controls
As a valued member of the ecosystem, you hold the following rights regarding your information:
· Access and Correction: You can view, download, and update your personal identity or storefront information at any time directly through your online allWomen.africa™ account dashboard.
· Marketing Opt-Out: You can easily unsubscribe from the allWomen Africa Newsletter or promotional marketplace alerts by clicking the "unsubscribe" link in any email.
· Account Closure: You can request the formal termination of your SACCO membership and the erasure of your social platform footprint by contacting our data compliance officer.
6. Updates to This Privacy Policy
allWomen.africa reserves the right to update or modify this Privacy Policy to reflect technical upgrades, changes to our business services, or shifts in the national regulatory landscape. When updates occur, we will adjust the "Effective Date" at the top of this page and notify active members via their dashboard or newsletter.
7. Contact Us
If you have any questions, concerns, or data requests regarding this Privacy Policy, please contact our data protection team:
· Email: privacy@allwomen.africa
· Physical Address: Uxpress SACCO Headquarters, 147 Crystal Hope, Goodhope, Westgate, Harare, Zimbabwe.