Track My Pesa is a personal finance management platform provided by Wafariko Limited (“Wafariko”, “we”, “us”, or “our”).
We respect your privacy and are committed to protecting the personal information you provide when using Track My Pesa.
This Privacy Policy explains what information we collect, why we collect it, how we use and protect it, when it may be shared, how long we retain it, and the choices and rights available to you.
By creating an account or using Track My Pesa, you acknowledge the practices described in this Privacy Policy.
1. Information We Collect
We collect information necessary to provide, secure and improve Track My Pesa.
Account Information
When you create or manage an account, we may collect information such as your:
- Name;
- Email address;
- Login and authentication information;
- Account preferences; and
- Other information you voluntarily provide.
Passwords should be stored using secure cryptographic hashing. We do not need to know or retrieve your original password in order to operate your account.
Financial Information
Track My Pesa allows you to enter and manage personal financial information, which may include:
- Income;
- Expenses;
- Account and wallet balances;
- Savings;
- Savings goals and contributions;
- Budgets;
- Debts and receivables;
- Debt payments and collections;
- Transfers between accounts;
- Recurring transactions;
- Transaction descriptions and categories; and
- Other financial information you choose to record.
This information is used to provide features such as financial dashboards, reports, cash-flow calculations, savings analysis and net-worth calculations.
Track My Pesa is not a bank and does not automatically have access to your bank account, mobile-money account or other financial institution unless a future feature explicitly connects such a service with your authorization.
2. Information Collected Automatically
When you access Track My Pesa or our website, certain technical information may be collected automatically.
This may include:
- IP address;
- Browser type;
- Device and operating-system information;
- Date and time of requests;
- Pages or features accessed;
- Application performance information;
- HTTP request information;
- Application errors;
- Security events; and
- Diagnostic information.
We use this information primarily for security, reliability, troubleshooting and improving the service.
3. Application Monitoring and Telemetry
Track My Pesa uses application monitoring and observability technologies to help us understand system health and investigate technical problems.
Our systems may generate:
- Application logs;
- Performance metrics;
- Distributed traces;
- Error reports;
- Infrastructure metrics; and
- Security-related events.
These may include technical identifiers such as request IDs, trace IDs, routes, response codes and request duration.
We aim to design our telemetry systems so that sensitive financial information, passwords and authentication credentials are not intentionally recorded in logs, metrics or traces.
Telemetry may be retained separately from your primary Track My Pesa account information.
4. How We Use Your Information
We may use information collected through Track My Pesa to:
- Create and maintain your account;
- Authenticate you and protect your account;
- Record and organize your financial information;
- Calculate income, expenses, savings and cash flow;
- Calculate net worth;
- Track budgets and savings goals;
- Manage debts and receivables;
- Generate reports;
- Process recurring transactions;
- Provide customer support;
- Diagnose errors and technical problems;
- Monitor application availability and performance;
- Detect and prevent fraud, abuse and unauthorized access;
- Improve Track My Pesa;
- Maintain backups and business continuity;
- Comply with applicable laws and lawful requests; and
- Protect the rights, security and property of our users and Wafariko.
We will not use your financial information for unrelated purposes without an appropriate legal basis or, where required, your consent.
5. We Do Not Sell Your Personal Information
Wafariko does not sell your personal information or personal financial records to advertisers, data brokers or other third parties.
We also do not intend to use the financial transactions you record in Track My Pesa to allow third parties to target advertisements at you.
If our business model materially changes in the future, this Privacy Policy will be updated and any consent required by applicable law will be obtained.
6. How We May Share Information
We may disclose limited information to trusted service providers that help us operate Track My Pesa.
Such providers may support services such as:
- Cloud infrastructure and hosting;
- Database infrastructure;
- Backups;
- Email delivery;
- Application monitoring;
- Security;
- Customer support; and
- Other infrastructure necessary to operate Track My Pesa.
Service providers should only process information as necessary to provide their contracted services and subject to appropriate confidentiality, privacy and security obligations.
We may also disclose information where reasonably necessary to comply with applicable law, a court order or another valid legal process; investigate fraud or security incidents; enforce our agreements; protect our legal rights; or protect users or other persons from harm.
7. Cookies
Our website and application may use cookies or similar technologies.
Essential cookies may be used for:
- Authentication;
- Maintaining login sessions;
- Security;
- Remembering preferences; and
- Providing essential application functionality.
Where non-essential analytics, advertising or similar tracking technologies are introduced, we will provide appropriate information and consent mechanisms where required by applicable law.
8. Security
Financial information is sensitive, and we take reasonable technical and organizational measures intended to protect information handled by Track My Pesa.
These measures may include:
- Authentication and access controls;
- Password hashing;
- Encryption during transmission using HTTPS/TLS;
- Database access controls;
- Application logging and monitoring;
- Infrastructure monitoring;
- Security updates;
- Backup procedures;
- User-data isolation;
- Restricted administrative access; and
- Security incident investigation procedures.
However, no internet-connected system can guarantee absolute security.
You are responsible for maintaining the confidentiality of your password and protecting devices used to access Track My Pesa.
Please notify us promptly if you believe your account has been compromised.
9. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including providing Track My Pesa, maintaining security and audit records, resolving disputes, meeting legitimate business requirements, and complying with applicable laws.
When information is no longer required, we may delete, anonymize or securely dispose of it, subject to technical and legal retention requirements.
Backups may retain deleted information for a limited period before being automatically overwritten or removed.
10. Account Closure and Deletion
You may request closure of your Track My Pesa account.
Subject to applicable legal, security and operational requirements, we may delete or anonymize personal information associated with the account.
Certain records may need to be retained temporarily where necessary for security investigations, fraud prevention, legal compliance, dispute resolution or backup recovery.
Closing your Track My Pesa account does not necessarily result in immediate deletion from all system backups.
11. Your Privacy Rights
Depending on applicable law, you may have the right to:
- Ask whether we hold personal information about you;
- Request access to your personal information;
- Request correction of inaccurate or incomplete information;
- Request deletion of certain personal information;
- Object to or restrict certain processing;
- Withdraw consent where processing depends on consent;
- Request information concerning how your information is processed; and
- Lodge a complaint with the appropriate data-protection authority.
We may need to verify your identity before processing a privacy request.
Some rights may be subject to legal exceptions.
12. Data Protection in Uganda
Wafariko Limited intends to handle personal information in accordance with applicable Ugandan privacy and data-protection requirements, including the Data Protection and Privacy Act, 2019 and applicable regulations.
Where required, personal information should be collected and processed fairly and lawfully, for appropriate purposes, and protected using reasonable safeguards.
Users may also have rights provided by applicable Ugandan data-protection law that are additional to those described in this Privacy Policy.
13. International Data Processing
Some infrastructure or service providers used to operate Track My Pesa may process or store information outside Uganda.
Where personal information is transferred internationally, we will take reasonable steps to ensure that appropriate safeguards are applied where required by applicable law.
14. Children
Track My Pesa is intended for persons who are legally permitted to use the service and provide the required consent for processing their personal information.
We do not knowingly seek to collect personal financial information from children in circumstances where parental, guardian or other legally required authorization has not been obtained.
If you believe that a child has provided personal information improperly, please contact us.
15. Financial Disclaimer
Track My Pesa is designed to help users record, organize and understand their personal finances.
Information, calculations, reports, projections or other content generated by Track My Pesa are provided for personal financial-management purposes.
They do not constitute:
- Financial advice;
- Investment advice;
- Tax advice;
- Accounting advice; or
- Legal advice.
You remain responsible for financial decisions made using information presented by Track My Pesa.
16. Business Transfers
If Wafariko undergoes a merger, acquisition, restructuring, financing, sale of assets or similar corporate transaction, information associated with Track My Pesa may form part of that transaction.
Where applicable, we will require the receiving organization to handle personal information in accordance with applicable law and provide any notices required by law.
17. Changes to This Privacy Policy
We may update this Privacy Policy as Track My Pesa develops or when our legal, operational or technical practices change.
The Last updated date at the beginning of this policy will indicate when the latest revision became effective.
Where changes materially affect how we process your personal information, we may provide additional notice or request consent where required.
18. Contact Us
If you have questions, concerns or requests relating to this Privacy Policy or how Track My Pesa handles your personal information, please contact:
Wafariko Limited
Product: Track My Pesa
Website: wafariko.com
Track My Pesa: trackmypesa.com
Phone: +256 394 745971
Phone: +256 705 055882
For privacy-related requests, users should use the official support/contact details published by Wafariko Limited or Track My Pesa.