Introduction
Tontiin ('we', 'our', or 'us') is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform.
Information We Collect
- Personal Information: Name, phone number, email address
- Financial Information: Mobile money account details, transaction history
- Identity Verification: Government-issued ID numbers when required by law
- Group Information: Savings group memberships and roles
- Device Information: IP address, browser type, mobile device identifiers
Mobile Money Processing
We process payments through licensed mobile money operators in your country of residence. When processing payments:
- Your mobile money account information is encrypted and secured
- We partner with licensed mobile money providers in each country
- Transaction details are stored securely for legal and audit purposes
- We maintain records of all financial transactions as required by law
How We Use Your Information
- To process your financial transactions and manage your tontiin groups
- To verify your identity and prevent fraud
- To communicate with you about your account and group activities
- To improve our services and develop new features
- To comply with legal obligations and regulatory requirements
Data Security
We implement appropriate technical and organizational measures to protect your personal information, including:
- End-to-end encryption for financial transactions
- Secure data storage and regular security audits
- Access controls and authentication measures
- Regular security training for our team
Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your information
- Withdraw consent for data processing
- Receive your data in a portable format
AML/KYC Data Processing
As required by COBAC regulations, CEMAC Anti-Money Laundering Regulation No. 01/16/CEMAC/UMAC/CM, and Cameroon's financial laws, we collect and process additional information for Anti-Money Laundering (AML) and Know Your Customer (KYC) purposes:
Required Documentation
- Government-issued identification documents
- Proof of address documentation
- Source of funds information
- Tax identification numbers where applicable
- Business registration and ownership documents for business accounts
- Bank statements or financial records when required
Data Retention
- KYC documentation is retained for a minimum of 10 years as per COBAC requirements
- Transaction records are maintained for audit and compliance purposes
- Verification history is preserved for regulatory reporting
- Investigation records are kept as required by law
- Suspicious transaction reports are archived securely
Information Sharing
- We may share your information with regulatory authorities as required by law
- Information may be shared with ANIF for AML purposes
- Your data may be accessed by authorized compliance personnel
- We cooperate with law enforcement investigations when legally required
- Information may be shared with other financial institutions for fraud prevention
Investigation and Sanctions Data Processing
- Additional data collection during investigations without notice
- Transaction monitoring data may be used for regulatory reporting
- Account activity patterns may be analyzed for compliance purposes
- Sanctioned individuals' data is processed according to legal requirements
- Cross-border data transfers may occur for regulatory compliance
Legal Basis for Processing
We process your personal data based on:
- Legal obligations under COBAC and CEMAC regulations
- Contractual necessity for providing our services
- Legitimate interests in preventing fraud and financial crime
- Your consent where required by law
- Compliance with anti-money laundering legislation
Updates to Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or regulatory requirements. We will notify you of any material changes through:
- Email notifications
- App notifications
- Website announcements
Your continued use of Tontiin after such modifications will constitute your acknowledgment of the modified Privacy Policy.
Contact Us
If you have any questions about this Privacy Policy, please contact us at:
Email: legal@tontiin.com