Privacy Policy

Last Updated: January 2025

1. Introduction

Welcome to Njangi On-Chain ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our decentralized rotational savings and credit association (ROSCA) application built on the Sui blockchain.

2. Information We Collect

2.1 Blockchain Data

• Wallet addresses and public keys for transaction processing
• Transaction history related to circle participation
• Smart contract interactions on the Sui blockchain
• Contribution amounts and payout records

2.2 Application Data

• Circle membership information and preferences
• Join request status and notifications
• Basic profile information (if provided)
• Session data for authentication via zkLogin

2.3 Technical Data

• IP addresses and device information
• Browser type and version
• Usage analytics and error logs
• Performance metrics

3. How We Use Your Information

We use the collected information to:

• Facilitate rotational savings circle operations
• Process contributions and payouts securely
• Manage circle membership and join requests
• Provide customer support and technical assistance
• Improve our application's functionality and security
• Comply with legal and regulatory requirements
• Detect and prevent fraud or abuse

4. Data Storage and Security

We implement industry-standard security measures to protect your data:

• Encryption of sensitive data in transit and at rest
• Secure database storage with access controls
• Regular security audits and updates
• Minimal data retention principles

5. Blockchain Transparency

Please note that blockchain transactions are publicly visible and immutable. This includes:

• Transaction amounts and addresses
• Smart contract interactions
• Circle participation records

We cannot delete or modify information stored on the blockchain.

6. Data Sharing

We do not sell your personal information. We may share data in limited circumstances:

• With service providers who assist in application operations
• When required by law or legal process
• To protect our rights and prevent fraud
• With your explicit consent

7. Your Rights

You have the right to:

• Access your personal data we hold
• Request correction of inaccurate information
• Request deletion of your data (where legally permissible)
• Object to processing of your data
• Data portability (receive a copy of your data)
• Withdraw consent for data processing

8. Cookies and Tracking

We use essential cookies for:

• Authentication and session management
• Security and fraud prevention
• Application functionality

You can control cookie settings through your browser preferences.

9. Third-Party Services

Our application integrates with:

• Sui blockchain network
• Wallet providers (Sui Wallet, etc.)
• zkLogin authentication services
• DeFi protocols for yield generation

Each service has its own privacy policy governing data handling.

10. International Data Transfers

Your data may be processed in countries with different privacy laws. We ensure adequate protection through appropriate safeguards and compliance measures.

11. Data Retention

We retain your data only as long as necessary for:

• Providing our services
• Legal compliance
• Fraud prevention
• Resolving disputes

12. Children's Privacy

Our service is not directed to individuals under 18. We do not knowingly collect personal information from children under 18.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of material changes via our application or email.

14. Contact Information

15. Legal Basis (GDPR)

We process your data based on:

• Consent for optional features
• Contract performance for core services
• Legitimate interests for security and improvements
• Legal obligations for compliance

This privacy policy is effective as of the date listed above and governs the use of this application.