Smart Vikoba Pro is a digital group management application developed by Ronald Orotomu and operated by GNR MATRIX CLOUD HUB (T) Ltd.
The application helps groups manage their operations digitally, including member registration, contributions, shares, savings, loans, payments, receipts, reports and member activities.
This Privacy Policy explains how GNR MATRIX CLOUD HUB (T) Ltd collects, uses, stores, protects and processes information when users access or use Smart Vikoba Pro.
Depending on how Smart Vikoba Pro is used by a group, the application may collect and process the following categories of information:
Information processed through Smart Vikoba Pro may be used for the following purposes:
Smart Vikoba Pro is designed to help groups maintain records relating to contributions, shares, savings, loans and other financial activities.
Financial records processed by the application may include transaction amounts, dates, payment references, balances, loan information, repayment records and other information necessary for group accounting and administration.
These records are used to maintain accurate group records, generate statements and reports, verify transactions and provide the services offered by Smart Vikoba Pro.
Smart Vikoba Pro may support payment verification through mobile payment services such as M-Pesa, bank deposits or other payment methods supported by a particular group.
Where payment verification is used, information such as transaction references, payment confirmations, amounts and uploaded payment documents may be processed to confirm and record the transaction.
Smart Vikoba Pro does not require users to provide their mobile money PIN, ATM PIN or banking password through the application. Users should never provide such confidential authentication credentials to another person.
Users or group administrators may upload payment slips, bank deposit confirmations, screenshots, receipts or other documents for the purpose of verifying payments.
Uploaded documents are used for legitimate group administration, payment verification, accounting, auditing and record-keeping purposes.
Smart Vikoba Pro may allow users to generate digital receipts, member statements and financial reports.
The application may also provide functionality for sharing receipts or other information through messaging platforms such as WhatsApp.
When a user chooses to share information through a third-party messaging platform, the information is also subject to that third party's privacy policy and terms of service.
GNR MATRIX CLOUD HUB (T) Ltd takes reasonable technical and organizational measures to protect information processed through Smart Vikoba Pro.
Security measures may include:
However, no internet-based application or electronic storage system can be guaranteed to be completely secure. Users should also protect their passwords, devices and account credentials.
Access to information within Smart Vikoba Pro may depend on the user's role within a group.
For example, group administrators may have access to member, contribution, savings, shares, loan and reporting information necessary to perform their administrative responsibilities.
Members may have access to information relating to their own accounts and transactions, depending on the configuration of their group.
GNR MATRIX CLOUD HUB (T) Ltd does not sell or rent user personal information to third parties.
Information may be accessed or disclosed when reasonably necessary to:
Smart Vikoba Pro may interact with or provide links, sharing functionality or integrations involving third-party services.
These services may include payment services, mobile money services, messaging services, hosting services, analytics or other technical service providers.
Third-party services operate according to their own terms and privacy policies. Users should review the privacy policies of those services where applicable.
Information may be retained for as long as necessary to provide Smart Vikoba Pro services, maintain group records, support accounting and reporting requirements, resolve disputes, maintain security, comply with legal obligations or enforce applicable agreements.
The retention period may vary depending on the type of information and the requirements of the group using Smart Vikoba Pro.
Users may contact Smart Vikoba Pro support or their group administrator regarding requests concerning their personal information.
Depending on the user's role and applicable legal, contractual and record-keeping requirements, we may assist with requests to correct, update or delete personal information.
Some financial, accounting, transaction or audit records may need to be retained where required for legitimate business, legal or security purposes.
Smart Vikoba Pro is intended for use by adults and organizations managing financial or community groups.
The application is not specifically directed toward children, and we do not knowingly request personal information from children where such collection is prohibited by applicable law.
Users are responsible for using Smart Vikoba Pro appropriately and protecting their account credentials.
Smart Vikoba Pro may be used by independent VICOBA groups, SACCOs, savings groups, community organizations and other organizations.
Where a group administrator enters or manages member information, the group is responsible for ensuring that it has the appropriate authority to collect and manage that information.
Group administrators should only provide users with access to information necessary for their assigned responsibilities.
If we become aware of a confirmed security incident that materially affects information processed through Smart Vikoba Pro, we will take reasonable steps to investigate, contain and address the incident.
Where notification is required by applicable law, affected users or relevant organizations may be notified through appropriate communication channels.
GNR MATRIX CLOUD HUB (T) Ltd may update this Privacy Policy from time to time to reflect changes to Smart Vikoba Pro, applicable laws, security practices or our services.
When this policy is updated, the revised version will be published on this page together with an updated "Last Updated" date.
If you have questions, concerns or requests regarding this Privacy Policy or the handling of information through Smart Vikoba Pro, please contact us using the information below.
Application: Smart Vikoba Pro
Developer: Ronald Orotomu
Company / Legal Entity:
GNR MATRIX CLOUD HUB (T) Ltd
Website:
https://groups.betagnrservices.africa/
Privacy Policy:
https://groups.betagnrservices.africa/policy.html
By accessing or using Smart Vikoba Pro, users acknowledge that they have read and understood this Privacy Policy.
This Privacy Policy specifically identifies Smart Vikoba Pro as the application, Ronald Orotomu as the developer, and GNR MATRIX CLOUD HUB (T) Ltd as the company or legal entity operating the application.