Legal Documents – Privacy Policy & Terms and Conditions
Effective Date: June 23, 2025 | Last Updated: June 23, 2025
This Privacy Policy explains how Inuka App ("we", "our", or "the app") collects, uses, and protects your personal information when you use our mobile application. We are committed to protecting your privacy and handling your data transparently.
When you use Inuka App, we may collect the following information:
We use the information we collect solely to:
Your authentication credentials are stored encrypted on your device using Flutter Secure Storage, which uses the Android Keystore system. All communication between the app and the server is conducted over HTTPS.
Your financial data is fetched in real time from the group's server and is not permanently stored on your device beyond a local cache for offline access.
We do not share your personal information with any third party, advertiser, or analytics provider. Your data is only transmitted to the Inuka group management server that your VICOBA group operates.
Inuka App contains no advertisements. No advertising SDKs are integrated into the application.
Inuka App is intended for adult VICOBA group members. We do not knowingly collect data from individuals under the age of 18.
You have the right to:
We may update this Privacy Policy from time to time. Any changes will be reflected on this page with an updated effective date. Continued use of the app after changes constitutes your acceptance of the updated policy.
If you have any questions about this Privacy Policy, please contact us at:
Email: it6@exodus.co.tz
Effective Date: June 23, 2025 | Last Updated: June 23, 2025
Please read these Terms and Conditions carefully before using Inuka App. By downloading or using the app, you agree to be bound by these terms.
By accessing or using Inuka App, you confirm that you are a registered member of a VICOBA group managed through the Inuka platform and that you agree to comply with these Terms and Conditions.
You must be at least 18 years old and a registered member of an Inuka-managed VICOBA group to use this application. Access is granted only to members with valid credentials issued by their group administrator.
You agree to use Inuka App only for lawful purposes. You must not:
You are responsible for maintaining the confidentiality of your phone number and password. Any activity carried out using your credentials is your responsibility. If you suspect unauthorized access, contact your group administrator immediately.
The financial data displayed in Inuka App — including savings balances, loan amounts, and deductions — is retrieved from your group's management system. We do not guarantee the real-time accuracy of this data. For official records, consult your group administrator.
Submitting a loan application through the app does not guarantee approval. Loan decisions are made entirely by your VICOBA group leadership according to the group's own rules and regulations. Inuka App is a tool for submitting requests only.
All content, design, and code within Inuka App are the intellectual property of the Inuka App development team. You may not copy, modify, distribute, or reproduce any part of the application without prior written consent.
Inuka App is provided "as is" without warranties of any kind, express or implied. We do not warrant that the app will be error-free, uninterrupted, or free of viruses or other harmful components.
To the fullest extent permitted by law, Inuka App and its developers shall not be liable for any indirect, incidental, or consequential damages arising from your use of the application, including but not limited to financial loss resulting from data inaccuracy.
Your access to the app may be terminated if you violate these Terms and Conditions or if your group membership is revoked. Upon termination, your locally cached data will be cleared.
These Terms and Conditions are governed by the laws of the United Republic of Tanzania. Any disputes arising from the use of this app shall be subject to the jurisdiction of Tanzanian courts.
We reserve the right to modify these Terms and Conditions at any time. Updates will be published on this page with a new effective date. Continued use of the app after changes means you accept the revised terms.
For any questions regarding these Terms and Conditions, please contact:
Email: support@exodus.co.tz