1. Introduction and Your Agreement

CSF (“we,” “our,” or “us”) is deeply committed to protecting your privacy. This Privacy Policy explains in detail how your personal information is collected, used, and disclosed by CSF. This Privacy Policy applies to our website and its associated subdomains (collectively, our “Service”), alongside our mobile application, CSF (the “App”). By accessing or using our Service, you signify that you have read, understood, and unequivocally agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service. If you do not agree with any part of this Privacy Policy, please do not use our Service.

2. Definitions and Key Terms

To ensure clarity and understanding within this Privacy Policy, every time any of these terms are referenced, they are strictly defined as follows:

Company, We, Our, Us: Refers to Coltnet Enterprise Ltd, a company located in Lusaka, Zambia, which is responsible for your information under this Privacy Policy.

Country: Refers to Zambia, where CSF or the owners/founders of CSF are based.

Cookie: A small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, and remember information about you, such as your language preference or login details.

Customer: Refers to the company, organization, or person that signs up to use the CSF Service to manage their relationships with their consumers or service users.

Device: Any internet-connected device, such as a phone, tablet, computer, or any other device that can be used to visit CSF and use our services.

IP address: Every device connected to the Internet is assigned a number known as an Internet Protocol (IP) address. These numbers are usually assigned in geographic blocks and may identify the location from which a device is connecting to the Internet.

Personal Data: Any information that directly, indirectly, or in connection with other information, allows for the identification of a natural person. This includes, but is not limited to, names, identification numbers, location data, online identifiers, or one or more factors specific to the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.

Personnel: Refers to individuals who are employed by CSF or are under contract to perform a service on behalf of one of the parties.

Service: Refers to the service provided by CSF as described in the relevant terms and on this platform, encompassing the website and the mobile application.

Third-party Service: Refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.

Website: Refers to CSF's official site, accessible via https://communitysavingfund.com/.

You: Refers to a person or entity that is registered with CSF to use the Services.

3. What Information Do We Collect?

We collect Personal Data from you when you visit our Service, register an account, use our App, or interact with us. The Personal Data we collect may include, but is not limited to:

Personal Identification Information: Your name, email address, phone number..

Account Credentials: Usernames, passwords, and other security information used for authentication and access.

Financial Information: Payment method details, bank account information, transaction history (related to savings, loans, or investments facilitated by the Service).

Device Information: Information from your computer, phone, tablet, or other device you use to access the Service. This may include your IP address, operating system, browser type, unique device identifiers, and mobile network information.

Usage Data: Information about how you access and use the Service, such as pages visited, features used, time spent on the Service, and clickstream data.

Communication Data: Information you provide when you communicate with us, such as customer support inquiries, feedback, or survey responses.

Location Information: With your consent, we may collect precise location information from your device if necessary for certain features of the Service (e.g., to verify location for services).

4. How Do We Use the Information We Collect?

We use the information we collect from you for various purposes, including:

To Provide and Maintain Our Service: To operate, deliver, and ensure the functionality of the CSF Service, including processing transactions and managing your account.

To Personalize Your Experience: To tailor the content and features you see based on your activity and preferences, making your experience more efficient and relevant.

To Improve Our Service: To understand how users interact with our Service, identify areas for improvement, and develop new features and functionalities. This includes analytics and research.

For Communication: To send you important updates, security alerts, technical notices, confirmations, and administrative messages. We may also send you marketing and promotional communications about products, services, offers, and events that may be of interest to you, from which you can opt out.

For Security and Fraud Prevention: To protect the security and integrity of our Service, prevent fraud, enforce our Terms of Service, and comply with legal obligations.

For Customer Support: To respond to your inquiries, provide support, and resolve issues related to your use of the Service.

To Conduct Analytics: To monitor and analyze usage and activity trends to enhance the functionality and user-friendliness of our Service.

For Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests.

5. When Do We Share the Information We Collect?

We may share your Personal Data in the following circumstances:

With Your Consent: We may disclose your Personal Data to third parties when we have your explicit consent to do so.

With Service Providers: We engage trusted third-party service providers to perform functions and provide services to us, such as hosting, data analysis, payment processing, customer service, marketing, and IT services. These providers have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

For Legal Reasons: We may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (a) comply with a legal obligation, (b) protect and defend the rights or property of CSF, (c) act in urgent circumstances to protect the personal safety of users of the Service or the public, or (d) protect against legal liability.

Business Transfers: In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your Personal Data may be transferred as part of that transaction. We will notify you before your Personal Data is transferred and becomes subject to a different Privacy Policy.

With Affiliates: We may share your information with our current or future affiliates for purposes consistent with this Privacy Policy.

With Third-party Services: We may share information with Third-party Services (such as advertisers, contest sponsors, promotional and marketing partners) for marketing, advertising, or other promotional purposes to offer you content, products, or services that may be of interest to you.

Aggregated or Anonymized Data: We may share aggregated or de-identified information that cannot reasonably be used to identify you. This information may be shared with partners or for research purposes.

6. Where Do We Store and Process Information?

Your Personal Data is stored and processed on secure servers located within Zambia. While we primarily store data in Zambia, our service providers may operate globally, and as such, your information may be transferred to, and processed in, countries other than your country of residence. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and applicable data protection laws, even when transferred internationally.

7. How Do We Protect Your Information?

We take the security of your Personal Data seriously. We implement a variety of robust security measures to maintain the safety of your Personal Data when you place an order, enter, submit, or access your personal information. These measures include:

Encryption: We use Secure Socket Layer (SSL) technology and other encryption methods to protect data transmitted over the internet.

Access Controls: Access to Personal Data is restricted to authorized Personnel who have a legitimate need to know that information for business purposes.

Regular Audits and Monitoring: We regularly monitor our systems for potential vulnerabilities and attacks and conduct security audits.

Data Minimization: We only collect and retain Personal Data that is necessary for the purposes for which it is processed.

Employee Training: Our Personnel are trained on data protection and privacy best practices.

Despite our efforts, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

8. Retention of Your Information

We retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy, including for the purposes of satisfying any legal, accounting, or reporting requirements. When we no longer need to process your Personal Data for these purposes, we will either delete or anonymize it, or, if this is not possible (for example, because your Personal Data has been stored in backup archives), then we will securely store your Personal Data and isolate it from any further processing until deletion is possible.

9. Your Data Protection Rights

Depending on your location and applicable data protection laws (such as Zambia's data protection regulations), you may have the following rights regarding your Personal Data:

The Right to Access: You have the right to request copies of your Personal Data that we hold.

The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.

The Right to Erasure (Right to Be Forgotten): You have the right to request that we erase your Personal Data, under certain conditions.

The Right to Restrict Processing: You have the right to request that we restrict the processing of your Personal Data, under certain conditions.

The Right to Object to Processing: You have the right to object to our processing of your Personal Data, under certain conditions.

The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

The Right to Withdraw Consent: Where we rely on your consent to process your Personal Data, you have the right to withdraw that consent at any time.

To exercise any of these rights, please contact us using the details provided in the "Contact Us" section below. We will respond to your request within a reasonable timeframe, in accordance with applicable law.

10. Cookies and Tracking Technologies

We use Cookies and similar tracking technologies to track the activity on our Service and hold certain information. These technologies are used to:

Remember Your Preferences: Such as language or login information.

Analyze Service Usage: Understand how our Service is used, which helps us improve it.

Provide Relevant Advertising: Show you advertisements that are more relevant to your interests.

You can instruct your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if you do not accept Cookies, you may not be able to use some portions of our Service.

11. Links to Other Websites

Our Service may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

12. Children's Privacy

Our Service is not intended for use by individuals under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from Children without verification of parental consent, we take steps to remove that information from our servers.

13. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. If we make material changes to how we treat our users' Personal Data, we will notify you through a prominent notice on the Service or via email prior to the change becoming effective.

14. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please do not hesitate to contact us:
Via Email: support@Csf.com
Via Our Website: https://communitysavingfund.com
Address: Tokyo Way Off Mumba kapumpa road, chalala, Lusaka Plot 30469 Zambia