Privacy Policy for Pamodzi Village Banking

Effective Date:12 March 2026

Pamodzi Village Banking ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how our mobile application ("the App") handles user information.

1. Overview

Pamodzi Village Banking is a simple financial management tool designed for village banking groups in Zambia. It replaces manual and spreadsheet-based (e.g., Excel) calculations with a digital solution to improve accuracy and efficiency.

2. Information We Collect

a. Personal Information

We do not collect, store, or process any personally identifiable information (PII) such as:

• National identification numbers

b. Financial Data

The App may allow users to input financial data (e.g., contributions, loans, balances) for calculation purposes. This data:

• Is stored locally on the user's device
• Is not transmitted to any external servers
• Is fully controlled by the user

c. Device Permissions

Pamodzi Village Banking does not request or use access to:

• Camera
• Photos or media files
• File storage
• Location services
• Contacts

3. How We Use Information

All data entered into the App is used solely for:

• Performing calculations
• Displaying financial summaries within the App

We do not use data for analytics, advertising, or tracking.

4. Data Sharing and Third Parties

We do not:

• Share data with third parties
• Use third-party analytics tools
• Integrate advertising SDKs

Your data remains private and under your control at all times.

5. Data Security

Since all data is stored locally on your device:

• You are responsible for securing your device (e.g., with passwords or PINs)
• We recommend regular backups if applicable

We do not store or have access to your data externally.

6. Children's Privacy

Pamodzi Village Banking does not knowingly collect data from children under the age of 13. Since no personal data is collected, the app is generally safe for all users.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be reflected by updating the "Effective Date" above. Continued use of the App indicates acceptance of any changes.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, you can contact us at:

• Email: postmaster@pamodzivb.com