PRIVACY POLICY

1. Introduction

Fariji Trust Shield (“Fariji”, “we”, “us”) is committed to protecting your privacy and personal data. This Privacy Policy explains how we collect, use, store, share, and protect personal data in compliance with the Kenya Data Protection Act, 2019 and applicable regulations.

This Policy applies to all interactions with Fariji, including through:

• Our website (www.fariji.org)
• Mobile applications
• WhatsApp, SMS, phone calls, and email
• Offline registrations and interactions at Fariji branches

By engaging with Fariji, you acknowledge that you have read and understood this Privacy Policy.

2. Personal Data We Collect

We may collect the following categories of personal data:

a) Identification & Contact Data

• Full name
• National ID or Passport number
• Phone number(s)
• Email address
• Physical address

b) Membership & Beneficiary Data

• Membership details
• Next-of-kin and beneficiary information
• Family relationships and age details

c) Transaction & Payment Data

• Contribution history
• Payment references (e.g. M-Pesa transaction IDs)

d) Communication Data

• WhatsApp messages
• SMS records
• Call logs related to service delivery

e) Technical Data

• IP address
• Browser and device information
• Cookies and usage data when visiting our website or app

3. How We Collect Personal Data

We collect data when you:

• Register online, via WhatsApp, or at a Fariji branch
• Make payments or contributions
• Communicate with us
• Use our website or mobile application

Offline data collected through physical forms is securely digitised and processed in line with this Policy.

4. Lawful Basis for Processing

We process personal data based on:

• Your consent
• Performance of a contract (membership and service delivery)
• Legal obligations
• Legitimate interests, including service improvement and fraud prevention

5. How We Use Your Personal Data

Your data is used to:

• Register and manage your membership
• Coordinate funeral and welfare services
• Communicate service updates and reminders
• Process contributions and verify payments
• Comply with legal and regulatory requirements

We do not sell personal data.

6. Communication Consent

By registering with Fariji, you expressly consent to receiving communications via SMS, WhatsApp, phone calls, and email, including:

• Contribution reminders
• Membership confirmations
• Funeral coordination messages
• Important policy or operational notices

You may opt out of non-essential communications at any time.

Service-critical communications cannot be opted out of.

7. Data Sharing & Third Parties

We may share personal data with:

• Executive Funeral Services and other service partners strictly for service delivery
• Payment service providers
• Regulators or law enforcement where required by law

All third parties are required to maintain confidentiality and data security.

8. Data Retention

We retain personal data only for as long as necessary for:

• Service delivery
• Legal and regulatory compliance
• Dispute resolution

9. Your Rights Under the Data Protection Act

You have the right to:

• Be informed
• Access your personal data
• Correct inaccurate data
• Object to certain processing
• Request deletion where legally permissible

How to Exercise Your Rights

Email privacy@fariji.org or submit a written request at any Fariji branch.

Identity verification may be required.

10. Data Security

We implement appropriate technical and organisational safeguards, including:

• Access controls
• Secure storage systems
• Confidentiality obligations for staff

11. Contact Details

Data Protection Contact:
Email: privacy@fariji.org
Website: www.fariji.org