Mobis VSLA (Village Savings & Loan Association) is a cloud based microfinance platform designed to help VSLAs and savings groups better manage and track their collections and loans.
This privacy policy describes the information we collect, how we use it, whom we share it with and the choices we give you to control, access, and update your information.
When we say "Mobis VSLA," "our," "we," or "us," we're talking about the Mobis VSLA Team and Ensibuuko Tech Limited as a whole. This Privacy Policy ("Privacy Policy") applies to all of our apps, services, features, software, and website (together, "Services") unless specified otherwise.

Please also read our Terms of Service ("Terms"), which describes the terms under which you use our Services.

Information We Collect

  1. Information you choose to give us
  2. When you interact with our services, we collect information that you choose to share with us. For example, most of our services require you to set up a basic Mobis VSLA account (weather it's managed by a sacco or NGO), so we need to collect a few important details such as: a username and a valid phone number. You may also choose to share additional information such as user and member information including profile pictures and date of birth. Other services, such as commercial products or mobile money, will then use your telephone number to verify your transactions. When you contact customer support we may ask for information related to your use of our Services, including copies of your messages, and how to contact you. For example, you may send us an email with information relating to our app performance or other issues.

  3. Information we get when you use our services
  4. When you use our services, we collect information about which of those services you've used and how you've used them. We might know, for instance, how long you have used the application and weather you're an agent/loan officer or the manager of the Sacco or NGO. Here's a full explanation of the types of information we collect when you use our services:
    • Device Information. We collect device-specific information, such as the hardware model, operating system version, advertising identifier, unique application identifiers, unique device identifiers, browser type, language, wireless network, and mobile network information.
    • Camera and Photos. In cases where who would like to update your account profile with a profile photo, we may need to access your device's camera and photos. We'll access your camera and photos only after you give us your consent. We do not upload or access any of your photos unless you explicitly choose to upload that photo.
    • Location Information. When you use our services we may collect information about your location. With your consent, we may also collect information about your precise location using methods that include GPS, wireless networks, cell towers, Wi-Fi access points, and other sensors, such as gyroscopes, accelerometers, and compasses.
    • Usage and Log Information. We collect service-related, diagnostic, and performance information. This includes information about your activity (such as how you use our Services, how you interact with others using our Services, and the like), log files, and diagnostic, crash, website, and performance logs and reports.
    • Transactional Information. If you perform any transactions while using any of the platforms, we may receive information and confirmations, such as payment receipts, including from app stores or other third parties processing your payment.

How We Use The Information

What do we do with the information we collect? The short answer is: Provide you with an amazing set of products and services that we relentlessly improve. But we do a lot more as well, such as:

  • develop, operate, improve, deliver, maintain, and protect our products and services
  • communicate with you
  • monitor and analyze trends and usage
  • enhance the safety and security of our products and services
  • verify your identity and prevent fraud or other unauthorized or illegal activity
  • use information we've collected from cookies and other technology to enhance the services and your experience with them

We may also store some information locally on your device. For example, we may store information in a local cache so that you can open the app and view content faster. Please note that Mobis VSLA is part of a larger family of products and services provided by us and in the future, we may share information with our future apps so as to customize the services we provide to you. We will allow you and third parties, like mobile money businesses, to communicate with each other using Mobis VSLA, such as through order, transaction, and appointment information, delivery and shipping notifications, product and service updates, and marketing. For example, you may receive a receipt for something you purchased, or a notification when a delivery will be made. Messages you may receive containing marketing could include an offer for something that might interest you. As with all of your messages, you can manage these communications, and we will honor the choices you make.

How We Share The Information

We may share information about you in the following ways:

  1. With Mobis VSLA Agents. We share information about VSLA members with VSLA agents such as name, profile and account information:
  2. Within our family of products.
  3. With service providers, sellers, and partners that we partner with to provide you with services. For instance if you use mobile money, we will provide your information to the mobile money partner who provides you with those services.
  4. With third parties for legal reasons. We may share information about you if we reasonably believe that disclosing the information is needed to:
    • comply with any valid legal process, government request, or applicable law, rule, or regulation;
    • investigate, remedy, or enforce potential Terms of Service violations;
    • protect the rights, property, and safety of us, our users, or others; or
    • detect and resolve any fraud or security concerns.
  5. With third parties as part of a merger or acquisition. If Mobis VSLA gets involved in a merger, asset sale, financing, liquidation or bankruptcy, or acquisition of all or some portion of our business to another company, we may share your information with that company before and after the transaction closes.
  6. In the aggregate or after de-identification. We may also share with third parties, such as advertisers, aggregated or de-identified/anonymized information that cannot reasonably be used to identify you.

Control Over Your Information

We want you to be in control of your information, so we provide you with the following tools.

  • Access and Updates. We strive to let you access and update most of the personal information that we have about you. There are limits though to the requests we'll accommodate. We may reject a request for a number of reasons, including, for example, that the request risks the privacy of other users, requires technical efforts that are disproportionate to the request, is repetitive, or is unlawful. You can access and update most of your basic account information using the web portal by visiting the Profile page under settings.
    If you would like to manage, change, limit, or delete your information, we allow you to do that using either the mobile app or the web portal.

Analytics Services Rendered

We may let other companies use cookies, web beacons, and similar tracking technologies on the services. These companies may collect information about how you use the services and other websites and online services over time and across different services. This information may be used to, among other things, analyze and track data, determine the popularity of certain content, and better understand your online activity. Mobis VSLA does not currently respond to do-not-track signals that may be sent from your device. If we do so in the future, we will provide information about that practice in an updated version of this privacy policy.

Conclusion and Revisions to the Privacy Policy

We may change this privacy policy from time to time. This privacy policy page will always reflect the most current version of our privacy policy.
All of our rights and obligations under our Privacy Policy are freely assignable by us to any of our affiliates, in connection with a merger, acquisition, restructuring, or sale of assets, or by operation of law or otherwise, and we may transfer your information to any of our affiliates, successor entities, or new owner.