Privacy Policy

Information we collect

The information depends on how you use Money-Wise.

• Account and profile information: Your name, email address, phone number, profile details and preferences.
• Assessments and interactive tools: Your answers, scores, results and saved plans.
• Academy activity: The courses you join, your progress and your certificates.
• Payments and checkout: What you bought, the amount, how you paid and the payment reference. Card and M-Pesa details go straight to the payment provider; we never see or store them.
• Enquiries, coaching and events: Your contact details, organisation, event details, coaching answers and any message you send.
• Feedback and communications: Feedback, survey answers, newsletter choices and your messages to us.
• Chats and emails: Messages you send to Sema, our AI assistant, on the website, and emails you send to sema@moneywise.co.ke, with our replies.
• Technical information: Your IP address, browser and device, and the cookies that keep the site working and secure.

How we use information

We use personal information only for the purpose it was collected for.

• Deliver services: Run your account, show your results, save your plans, give you course access and reply to your enquiries.
• Personalise your journey: Suggest tools, courses or next steps that fit your results and goals.
• Take payments: Take and confirm payments and send receipts.
• Communicate: Send messages about your account, courses, bookings and events, and practical tips or offers only if you have chosen to receive them.
• Improve Money-Wise: Understand how the site is used, using anonymous totals and your feedback, so we can make it better.
• Keep you safe: Keep accounts and the site secure and prevent misuse and fraud.
• Meet the law: Keep the records the law requires and respond to lawful requests.

When information is shared

We share only what is reasonably necessary for a service, instruction or legal requirement.

• Service providers: Trusted providers that host the website, send our email, play course videos and power our AI assistant, Sema. They receive only what their task needs and use it only on our instructions.
• Analytics: Website analytics, only if you accept analytics cookies in the cookie banner.
• Payment providers: M-Pesa or the card payment provider you choose, to take and confirm your payment.
• Coaches and specialists: A Money-Wise coach, trainer or specialist, when it is needed to deliver a service you asked for.
• Legal and safety reasons: When the law requires it, or to protect people from harm or fraud.
• Business changes: If the business is reorganised or transferred, your information goes with it, under the same protections.

Cookies and sessions

Money-Wise uses essential cookies to keep you signed in and the site secure; blocking them stops sign-in, forms and checkout from working. Analytics cookies load only if you accept them in the cookie banner. See the Cookie Policy for the full list.

Security

Every connection to the site is encrypted, you sign in with a single-use code sent to your email rather than a password, and card and M-Pesa details go straight to the payment provider. No online system is risk-free, so keep your email account secure, never share a sign-in code, and tell us straight away if you think someone has used your account. Never share PINs, passwords or ID numbers in a chat with Sema; it never needs them.

Retention

We keep information only as long as your account or the service you asked for needs it, or as the law requires: payment records, for example, for five years. How long we keep each kind of record is listed in our Data Protection Policies. After that, it is deleted or anonymised.

International processing

Our servers are in the European Union, and some of our providers process information in other countries. We only use providers that protect it as this policy and the law require.

Your choices and rights

• Access or ask for a copy of personal information we hold about you.
• Correct information that is inaccurate or incomplete.
• Have your data deleted, unless the law requires us to keep it.
• Stop marketing messages at any time.
• Ask how a result or recommendation was worked out.
• Receive the information you gave us in a portable format.
• Raise a concern with us, or complain to the Office of the Data Protection Commissioner (odpc.go.ke).

You can update core profile information from your account, and delete your account and data from your profile or on our Delete my data page, account or not. For other requests, contact us using the details below. We may need to verify your identity before acting on a request.

Children

Money-Wise is not designed for children to create accounts or make purchases without appropriate parent or guardian involvement. If you believe a child has submitted personal information inappropriately, please contact us.

Changes to this policy

We update this policy when our services change. The date at the top shows the current version, and we tell you by email or on the site about any important change.