Welcome to Digichama, (“Services” or App) by Razor Informatics and its affiliates (“we”, “us”, or “our”). DigiChama is a comprehensive financial management platform designed for chamas and groups, at Razor Informatics, we understand the importance of your privacy and are committed to protecting your personal data. This privacy policy (“Policy”) describes how we collect, use, and share personal data about you when you visit or use our web and Mobile Application Digichama. It also explains your rights in relation to your personal data and how to contact us if you have any questions or concerns.

By using the app and website, you consent to the practices described in this Policy. We encourage you to carefully read this policy to understand how we handle your data and ensure a secure and reliable user experience. Your trust in us is paramount, and we are dedicated to maintaining the confidentiality and integrity of your personal information.

1. Purpose of this Policy

1. In this privacy policy ("Policy"), Digichama means the comprehensive financial management platform designed for chamas and/or groups by Razor Informatics.
2. We understand that your privacy is important to you and that you care about how your information is used and shared online. We respect and value the privacy of everyone who uses our app and will only collect and use information in ways that are useful to you and in a manner consistent with your rights and our obligations under the law.
3. This Policy applies to our use of any and all data collected by us in relation to your use of the Digichama website and app.
4. This Policy aims to give you information on how Digichama collects and processes your personal data through your use of the app, including any data you may provide when you sign up for an account, use our services or products, or participate in any activities available on the app.
5. This Policy supplements our Terms and Conditions and is not intended to override them.

Please read this Policy carefully and ensure that you understand it. If you do not agree with our policies, your choice is not to use the Digichama.

By visiting or using our Services, you acknowledge and accept the practices described in this Policy. If you do not agree with our policies and practices, do not use our Service.

We may change our Policy from time to time. We encourage you to review the Policy whenever you access our Services to stay informed about our information practices and the choices available to you.

2. Definition

1. "App" refers to the "Digichama" sign language app developed and operated by Razor informatics.
2. "Company" refers to Razor informatics, the entity that owns and operates the "Digichama" app and website.
3. "User" refers to any individual who accesses and uses the app and its services.
4. "Personal Data" means any information that can be used to directly or indirectly identify an individual, including but not limited to name, phone number, email address, location data, and service preferences.
5. "Consent" refers to the explicit and informed permission given by users of the "Digichama" app and website for the collection, processing, and use of their personal data.
6. "Third-Party Services" refers to external service providers which are utilized by the app to enhance its functionality.
7. "Data Protection Act" or "DPA" refers to the Data Protection Act No. 24 of 2019 of Kenya, governing the protection and processing of personal data.
8. "GDPR" refers to the General Data Protection Regulation, Regulation (EU) 2016/679, a European Union regulation that governs the protection of personal data and privacy for individuals within the European Union (EU) and the European Economic Area (EEA). Although the app is primarily operated in Kenya, it may still process the personal data of individuals who are located in the EU or EEA, and thus, the principles and requirements of the GDPR are considered for such data processing activities.
9. "Collection" refers to the process of gathering, acquiring, or obtaining users' personal data through the app. This includes data provided voluntarily by users during sign-up, account creation, or while using the app's services. The collection of personal data may also occur automatically through the app's interactions with users, such as log files, cookies, and analytics.
10. "Retention" pertains to the duration for which the app stores and keeps users' personal data after it has been collected. This includes maintaining the data on servers or databases for a specific period, as specified in the "Data Retention" clause of this policy. The retention period may vary based on the purpose of data processing and the applicable legal obligations. After the specified retention period expires, the app will securely delete or anonymize the data, unless otherwise required by law or necessary for the establishment, exercise, or defence of legal claims.
11. "Terms and Conditions" or "T&C" refers to the agreement that outlines the rules and regulations governing the use of the app and its services.

3. What personal data do we collect?

We collect personal data about you in the following ways:

1. Data You Provide to Us: We collect personal data that you provide to us directly. This may include but is not limited to your name, email address, phone number, and any other personal data that you choose to provide. We may collect this data when you create an account, place an order, request customer support, or participate in a survey. This personal data is necessary for us to provide you with our Services and to communicate with you effectively.
2. Data We Collect Automatically: We automatically collect certain personal data when you use our Services. This personal data may include your IP address, device type, unique device identification numbers, browser type, browser language, and other technical information about your device and connection. This data is collected using cookies and similar tracking technologies. This information is necessary for us to improve and optimize our Services and to personalize your experience.
3. Data from Third Parties: We may receive personal data about you from third parties, such as other users, partners, or service providers. For example, if you access our Services through a third-party login (such as Google), we may receive personal data about you from that third party. We may also receive personal data from other users when they provide us with feedback or reviews about your use of our Services. We will only use this personal data in accordance with this Privacy Policy and any applicable laws and regulations.

4. How do we use your personal data?

We use the personal data we collect about you for the following purposes:

1. To provide the Services: We use the personal data that you provide to us directly to offer you our Services, as well as to interact with you and inform you about your use of our Services. This can include using your name, email address, phone number, and other personal data you choose to provide us. By using your personal data in this way, we can ensure that we are able to offer you the best possible experience when you use our Services.
2. To personalize your experience: In order to provide you with a personalized experience when using our Services, we may use your personal data to tailor our content to better suit your interests. This can include showing you content that we think will interest you based on your past behavior on our Services. By using your personal data in this way, we can ensure that we are able to offer you a unique and personalized experience that is tailored to your specific needs and preferences.
3. To improve our Services: We may use your personal data to analyze how users access and use our Services, with the aim of improving our Services for all users. This can include tracking technical information about your device and connection, as well as monitoring how you use our Services. By using your personal data in this way, we can ensure that we are able to continually improve our Services and offer you a better user experience.
4. To communicate with you: We may use your personal data to communicate with you about our Services. This can include sending you updates or notifications about changes to the Services, as well as responding to your comments and inquiries. By using your personal data in this way, we can ensure that we are able to keep you informed about the latest updates and changes to the Services, as well as to address any concerns or questions that you may have.
5. To comply with legal obligations: We may use your personal data to comply with our legal obligations, such as responding to court orders. By using your personal data in this way, we can ensure that we are able to meet our legal requirements and obligations and that we are able to operate our Services in compliance with applicable laws and regulations.
6. For marketing purposes: We may use your personal data to send you marketing communications, such as newsletters or promotional offers if you have given us your consent to do so. You can, however, opt-out of receiving marketing communications at any time by following the instructions in the communication. By using your personal data in this way, we can ensure that we are able to keep you informed about new products, services, or special offers that may be of interest to you and that we can promote our Services to a wider audience.

5. How do we share your personal data?

We may share your personal data in the following ways:

1. With service providers: We may share your personal data with third-party service providers who perform various services on our behalf, such as hosting, data analysis, payment processing, and customer service. These service providers have access to your personal data only to perform the tasks assigned to them and are obligated to protect your personal data in accordance with applicable laws and regulations.
2. With business partners: We may share your personal data with our business partners for joint marketing purposes or to offer you products or services that may be of interest to you. In such cases, we will only share the necessary personal data to fulfill the specific purpose and will ensure that our business partners comply with applicable laws and regulations regarding the protection of personal data.
3. With other users: If you use our Services to connect with other users, such as by posting a message or leaving a review, your personal data may be visible to other users. Please be aware that any personal data you choose to disclose on our Services may be seen, collected, or used by others, and we cannot be responsible for any unauthorized use of such information by third parties.
4. In response to legal requests: We may disclose your personal data to third parties if we believe that such disclosure is necessary to comply with a legal request, such as a search warrant, subpoena, or court order, to protect our rights or property, or to prevent illegal activity. We may also disclose your personal data to third parties if we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies or to enforce our agreements.
5. In case of a merger or acquisition: If we are acquired by or merged with another company, we may share your personal data with that company to continue providing our Services to you. In such cases, we will ensure that the acquiring company agrees to comply with applicable laws and regulations regarding the protection of personal data and will provide you with notice of any changes to our privacy practices as a result of the merger or acquisition.
6. With your consent: We may share your personal data with third parties if you give us your explicit consent to do so, such as when you agree to participate in a survey or when you request that we share your personal data with a particular third party. You may withdraw your consent at any time by contacting us at the contact information provided in this Privacy Policy.

6. Change of Purpose

Your personal data will be utilized solely for the purposes for which it was initially collected unless we have a reasonable basis to use it for another purpose that aligns with the original intent. If you have any concerns or would like an explanation regarding how the new purpose aligns with the original one, please feel free to contact us at .

In the event that we need to use your personal data for a purpose unrelated to the original one, we will inform you and seek your explicit consent beforehand. By agreeing to this, you authorize us to contact you for such additional purposes, ensuring that your personal data is used properly and lawfully.

7. Your rights and choices under Kenyan Law and the GDPR

You have the following rights in relation to your personal data:

1. Right to access: You have the right to request access to your personal data held by us and to obtain information about how we process it. This includes the right to obtain a copy of your personal data in a commonly used and machine-readable format.
2. Right to rectification: You have the right to request that we rectify any inaccurate or incomplete personal data we hold about you. This includes the right to have any incomplete personal data completed, including by means of providing a supplementary statement.
3. Right to erasure: You have the right to request that we erase your personal data in certain circumstances, such as where it is no longer necessary for the purposes for which it was collected or processed, where you withdraw your consent, or where there is no legitimate reason for us to continue processing it.
4. Right to restrict processing: You have the right to request that we restrict the processing of your personal data in certain circumstances, such as where you contest the accuracy of the personal data, where the processing is unlawful, or where we no longer need the personal data for the purposes of the processing, but you require the data for the establishment, exercise, or defense of legal claims.
5. Right to object: You have the right to object to the processing of your personal data for certain purposes, such as for direct marketing or where the processing is based on our legitimate interests or public interests.
6. Right to data portability: You have the right to receive the personal data you have provided to us in a structured, commonly used, and machine-readable format, and to transmit that data to another controller, where technically feasible and subject to certain conditions. This right applies where the processing is based on your consent or on a contract, and the processing is carried out by automated means.
7. Right to opt-out of marketing communications: You have the right to opt-out of receiving marketing communications from us by following the instructions provided in the communication, or by contacting us using the contact information provided in this Policy.
8. Right to block cookies: You have the right to block cookies used by our Services. Most web browsers provide the option to block cookies, and you can typically change your browser settings to do so. Please note that if you choose to block cookies, certain features of our Services may not be available to you.

8. How Can You Access Your Data?

The app may collect payment information from users in order to process payments for the services provided. This information may include credit card details, phone number or other payment details. The app will collect and process this information in accordance with applicable laws and regulations.

The app will use payment information solely for the purpose of processing payments for the services provided. Upon successful payment for the services, the app shall not retain or store the users' card information. We prioritize the security and privacy of our users' financial data and take measures to ensure that such sensitive information is not stored on our servers. This approach is designed to minimize potential risks and safeguard against unauthorized access to users' payment details. Users are responsible for ensuring the accuracy and completeness of their payment information.

By using the app's services and providing payment information, users consent to the collection, processing, and use of their payment information as described in this clause.

9. Payment Information Collection

The app may collect payment information from users to process payments for the services provided. This information may include credit card details, phone number, or other payment details. The app will collect and process this information in accordance with applicable laws and regulations.

The app will use payment information solely for the purpose of processing payments for the services provided. Upon successful payment for the services, the app shall not retain or store the users' card information. We prioritize the security and privacy of our users' financial data and take measures to ensure that such sensitive information is not stored on our servers. This approach is designed to minimize potential risks and safeguard against unauthorized access to users' payment details.

Users are responsible for ensuring the accuracy and completeness of their payment information.

By using the app's services and providing payment information, users consent to the collection, processing, and use of their payment information as described in this clause.

10. Billing Information Collection

In order to process payments for our services, we may collect billing information from our users. This information may include the user's name, address, and other relevant details necessary to issue an invoice or receipt for the service.

We will only collect and process billing information that is necessary to complete a transaction and will not use this information for any other purposes without the user's explicit consent.

We will take appropriate measures to ensure the security and confidentiality of all billing information collected, and we will retain this information only for as long as necessary to comply with legal obligations or to resolve any disputes that may arise.

Users have the right to request access, correction, or deletion of their billing information at any time.

11. Transaction History Collection

The app may collect transaction history data to maintain a record of the user's past payments and transactions. This data may include details such as the amount paid, the date of payment, and the payment method used.

The transaction history data will be used solely for record-keeping purposes and to ensure accurate billing for the services provided. The app will take all necessary measures to ensure the security and confidentiality of transaction history data while it is in our possession.

This data will be retained for as long as necessary to comply with our legal obligations or until the user requests that it be deleted. The app will not share transaction history data with any third party unless required to do so by law or for the purpose of resolving a dispute or enforcing our legal rights.

12. Data retention

We will retain your personal data for the duration of the period that your account remains active and operational or for as long as we are required to do so to provide you with our Services. Additionally, we may also retain your personal data as long as it is necessary to comply with our legal obligations, such as to comply with a court order or to resolve disputes, such as in the event of a legal claim or litigation.

We may also retain your personal data for as long as it is necessary to enforce our agreements with you and to protect our legal rights. In any case, we will ensure that your personal data is processed in accordance with applicable laws and regulations, and we will take all necessary measures to ensure the security and confidentiality of your personal data while it is in our possession.

13. Retention of Session Data:

As part of our commitment to quality assurance and to enhance the accuracy of our interpretation services, the App records and retains all sessions conducted on the App for a period of six (6) months. This is also to facilitate the resolution of any disputes that may arise. However, we will only use the recorded sessions for the stated purposes, and we will maintain the confidentiality and privacy of all our users in accordance with applicable privacy laws.

At the end of the six (6) month retention period, we will securely delete all recorded sessions unless retention is required by law or necessary for the establishment, exercise, or defense of legal claims. In the event of a court order, law enforcement request, or any other legal obligation, we may disclose recorded sessions to comply with the request. We may also disclose recorded sessions if we believe in good faith that such disclosure is necessary to protect our rights or property, respond to an emergency situation, or prevent a crime or save a life.

14. Data security

We understand the importance of protecting your personal data and take reasonable measures to ensure its security. We have implemented administrative, technical, and physical safeguards to protect against unauthorized access, use, or disclosure of your personal data. These measures include but are not limited to, data encryption, access controls, and regular security assessments.

Despite these measures, it is important to note that no method of transmission or storage over the Internet can be guaranteed to be 100% secure. Therefore, we cannot guarantee the absolute security of your personal data.

If you suspect any unauthorized access, use, or disclosure of your personal data or have any reason to believe that your interaction with us is no longer secure, please notify us immediately as described in our contact information below. We will promptly investigate the matter and take appropriate measures to address any security incidents.

15. Children's Privacy

The app is intended for individuals who have attained the age of 18 years or older. However, we acknowledge that minors may use the app under the supervision of a responsible adult. We do not knowingly collect or process personal data from individuals below 18 years of age without the consent of their parents or legal guardian.

If we discover or are notified that we have inadvertently collected personal data from a minor, we will take immediate measures to delete such data from our records as soon as practicable, to the extent required by applicable laws and regulations.

16. International transfer

We employ robust data storage practices, utilizing AWS, Google cloud and Oracle cloud all in South Africa to store user data securely. Additionally, we maintain backups of the data in Kenya. We assure users that their information is handled with utmost care and in compliance with all applicable data protection laws and regulations.

While we take every precaution to maintain the highest standards of data security and privacy, it is important to understand that the data protection laws of the jurisdiction where your data is transferred and maintained may differ from those of your own.

If you are located outside of Kenya and choose to use our Services or provide your personal data to us, you hereby consent to the transfer and processing of your personal data in Kenya or any other location where we maintain our servers or databases.

We strive to take reasonable measures to ensure the security and protection of your personal data in accordance with applicable laws and regulations.

17. Third-Party Services

As part of our commitment to providing a seamless user experience, our app utilizes third-party services to enhance functionality and optimize performance. The following third-party services are currently integrated into our app: Google Analytics, Africas Talking, and Safaricom Mpesa. These services may gather specific data to monitor user interactions within the app, and they are bound by a strict commitment to prioritize data privacy above all else.

We strive to collaborate only with reputable third-party service providers that prioritize data security and user privacy. However, please note that each third-party service has its own privacy policies, which govern its data collection, processing, and storage practices. We encourage all users to review the respective privacy policies of these services to fully understand how their personal data may be handled.

Should there be any changes to the third-party services integrated into our app, we will promptly update this privacy policy to reflect such modifications.

For any queries or concerns regarding the use of third-party services and your data privacy, please do not hesitate to contact us.

18. Links to other websites

Please be aware that our Services may contain links to third-party websites. These websites may have their own privacy policies and terms of use that differ from ours. We do not control these third-party websites and are not responsible for their content or privacy practices.

We encourage you to review the privacy policies and terms of use of each website you visit, including those that are linked to our Services. This will help you understand how your personal data may be collected, used, and shared by these third-party websites.

Please note that any information you disclose on these third-party websites, including personal data, may be accessible to others and may be collected, used, and disclosed by these websites in accordance with their own privacy policies. We recommend that you exercise caution and discretion when sharing personal data on third-party websites.

If you have any questions or concerns about the privacy practices of a third-party website, please contact that website directly.

19. Contact us

If you have any questions, comments, or concerns about this Privacy Policy, our data processing practices, or compliance with the General Data Protection Regulation (GDPR) or any other relevant data protection laws and regulations, please do not hesitate to contact us via the app support section or via

This Privacy Policy was last updated on 25th January 2024 and is governed by the laws of Kenya, including but not limited to the Data Protection Act No. 24 of 2019, the Privacy and Data Protection Regulations, 2020, and any other relevant data protection laws and regulations, including the General Data Protection Regulations.

By accessing or using our Services, you agree to submit to the exclusive jurisdiction of the courts of Kenya for the resolution of any disputes arising out of or relating to this Privacy Policy or your use of our Services.