Privacy Policy
1. Introduction
Mtaji Technologies Limited ("Company", "we", "us", "our") operates the Mtaji supply chain finance platform (the "Service"). This Privacy Policy explains how we collect, use, disclose, and otherwise handle your personal data when you use our Service, visit our website, or otherwise interact with us.
2. Information We Collect
We collect personal information from you in several ways:
- Information you provide directly: When you create an account, fill out forms, contact us, or interact with our Service, you provide information such as your name, email address, phone number, organization, job title, and other business information relevant to supply chain finance transactions.
- Transactional data: When you use our Service, we collect information about your transactions, including details about suppliers, buyers, invoices, and supply chain activities.
- Technical data: We automatically collect technical information such as IP address, browser type, device identifiers, pages visited, and access times through cookies and similar tracking technologies.
- Payment information: When you make payments through our Service, we collect payment transaction data. Payment processing is handled by third-party payment processors.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To provide, maintain, and improve our Service
- To process transactions and send related information
- To authenticate your identity and prevent fraud
- To communicate with you about your account, updates, and support
- To conduct analytics and understand how you use our Service
- To comply with legal obligations and enforce our agreements
- To develop and deliver new features and services
- To create aggregated, de-identified data for research and business purposes
4. Data Sharing and Disclosure
We do not sell your personal data. We may share your information in the following circumstances:
- With other parties to your transactions (e.g., suppliers, buyers, financial institutions) as necessary to facilitate supply chain finance operations
- With our service providers who assist in operating our Service (e.g., cloud hosting, payment processors, analytics providers)
- With regulators and law enforcement when required by law
- With potential acquirers or partners in the event of a merger, acquisition, or sale of assets
- With your explicit consent for other purposes
5. Data Security
We implement industry-standard security measures to protect your personal data, including encryption, secure socket layer (SSL) technology, and secure access controls. However, no method of transmission over the Internet is 100% secure. We encourage you to use strong passwords and safeguard your account credentials.
6. Data Retention
We retain your personal data for as long as necessary to provide our Service and fulfill the purposes outlined in this Privacy Policy. Data may be retained longer if required by law or for legal proceedings. You may request deletion of your account and associated data in accordance with applicable laws.
7. Your Rights
Depending on your location, you may have certain rights regarding your personal data:
- Right to access your personal data
- Right to correct inaccurate information
- Right to request deletion (subject to legal requirements)
- Right to restrict processing
- Right to data portability
- Right to object to processing
- Right to withdraw consent
To exercise these rights, please contact us at legal@mtaji.co.
8. GDPR and International Compliance
For users in the European Union and other jurisdictions with data protection laws, we comply with the General Data Protection Regulation (GDPR) and other applicable regulations. We ensure appropriate safeguards are in place for international data transfers, including standard contractual clauses and adequacy decisions where applicable.
9. Children's Privacy
Our Service is not directed to individuals under 18 years of age. We do not knowingly collect personal data from children. If we become aware that we have collected data from a child, we will take steps to delete such information promptly.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated Privacy Policy on our website and updating the "Last updated" date. Your continued use of our Service constitutes acceptance of the updated Privacy Policy.
11. Contact Us
If you have questions about this Privacy Policy or our privacy practices, please contact us at:
Email: legal@mtaji.co
Mtaji Technologies Limited
Nairobi, Kenya
Terms of Service
1. Acceptance of Terms
By accessing and using the Mtaji supply chain finance platform and related services (the "Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use our Service.
2. Description of Service
Mtaji Technologies provides a digital marketplace and platform for supply chain finance transactions, connecting financial institutions, corporate buyers, suppliers, and other stakeholders. Our Service facilitates the origination, execution, and management of supply chain finance transactions including supply chain lending, invoice financing, and related financial products.
3. User Accounts and Eligibility
To use our Service, you must create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or use of your account. You represent that you are at least 18 years old, have the legal capacity to enter into agreements, and are not prohibited by law from using our Service.
4. User Responsibilities
You agree to:
- Use our Service only for lawful purposes and in compliance with all applicable laws and regulations
- Not engage in fraudulent, deceptive, or misleading activities
- Not provide false or misleading information
- Not attempt to gain unauthorized access to our systems
- Not interfere with the proper functioning of our Service
- Not use our Service in any manner that could damage, disable, or impair our systems
- Comply with all applicable anti-money laundering (AML) and know-your-customer (KYC) requirements
5. Transactions and Obligations
Users acknowledge that supply chain finance transactions conducted through our platform create binding legal obligations. By initiating or accepting a transaction, you represent that you have authority to do so and that all information provided is accurate. Mtaji acts as a marketplace facilitator and does not provide legal, financial, or investment advice. You are solely responsible for evaluating the merits of any transaction.
6. Payment Terms
Payment terms for our Service are as described in your account dashboard or subscription agreement. Fees are non-refundable unless otherwise specified. We reserve the right to change our pricing upon thirty (30) days' notice. Transactions conducted through our platform may involve fees charged by us or third-party service providers.
7. Intellectual Property
All content, features, and functionality of our Service, including but not limited to text, graphics, logos, software, and code, are the exclusive property of Mtaji Technologies or its licensors. You are granted a limited, non-exclusive, non-transferable license to access and use our Service for its intended purpose. You may not reproduce, distribute, or transmit any content without our prior written consent.
8. Limitation of Liability
To the maximum extent permitted by law, Mtaji Technologies shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business, arising out of or relating to your use of our Service, even if we have been advised of the possibility of such damages.
9. Disclaimer of Warranties
Our Service is provided "as is" and "as available" without warranties of any kind. We disclaim all express and implied warranties, including fitness for a particular purpose and non-infringement. We do not warrant that our Service will be uninterrupted, error-free, or secure.
10. Indemnification
You agree to indemnify, defend, and hold harmless Mtaji Technologies and its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including legal fees) arising out of your use of our Service or violation of these Terms of Service.
11. Dispute Resolution
Any disputes arising out of or relating to these Terms of Service or our Service shall be governed by the laws of Kenya. You agree to submit to the exclusive jurisdiction of the courts located in Nairobi, Kenya. We encourage you to attempt to resolve disputes informally by contacting us first.
12. Termination
We reserve the right to suspend or terminate your account and access to our Service at any time, without notice, if we believe you have violated these Terms of Service or any applicable laws. You may terminate your account at any time by notifying us in writing.
13. Modifications to Terms
We may modify these Terms of Service at any time. Material changes will be posted on our website with notice. Your continued use of our Service constitutes acceptance of the modified Terms of Service.
14. Contact Information
For questions about these Terms of Service, please contact us at legal@mtaji.co.