Privacy Policy

Effective and last updated: 17 October 2026

HOLWA Solutions ("Holwa", "we", "us", or "our") provides tools for users to manage their own customer, stock, supplier, payment, and reminder records. Holwa is not a lender, digital credit provider, debt collector, bank, or financial adviser.

1. Information we collect

Account and profile information: name, account identifier, sign-in email or phone-derived account address, profile photo when supplied through Google, account role, business name, business contact number, business location details, and business description.

Business records you enter: customer and supplier names and phone numbers, stock details, orders, amounts, payment status, due dates, notes, and reminder-message details. You choose whether to enter this information.

Payment information: when you buy Holwa reminder-message credits through M-Pesa, we process the phone number used for the payment request, the amount, transaction reference, and payment result. Holwa does not collect or store your M-Pesa PIN, card number, or bank-login credentials.

Technical and security information: sign-in and service activity, IP address, browser/device details, error logs, and security events needed to operate, secure, and troubleshoot the service.

2. How we use information

We use information to create and secure accounts; show your workspace; store and display your records; process requested M-Pesa purchases of message credits; send SMS reminders and supplier/order messages that you initiate; provide support; prevent fraud or misuse; and comply with applicable law.

We do not sell personal information or make one user’s customer/debt records available to another business.

3. Your responsibility for information about other people

If you enter a customer, supplier, or other person’s information, you must have a lawful reason to do so and give any notice or obtain any consent required by law. You must use SMS only for lawful, expected, and non-abusive business communications. Do not enter sensitive information that is not needed for the service.

4. Service providers and sharing

We use service providers to operate Holwa. They may process the minimum information needed for their service: Firebase and Google for authentication; hosting and database providers for application infrastructure; Africa’s Talking for SMS delivery; and Safaricom Daraja for M-Pesa payment requests and confirmations.

We may also disclose information when required by law, to respond to a valid legal process, to protect people or the service, or as part of a lawful business transfer. We do not share information for advertising.

5. Data retention and deletion

We keep account and workspace data while your account is active. You can request deletion through the in-app Account Deletion page or at https://hol-wa.com/delete-account. Verified deletion requests permanently remove your account and workspace records from active systems, except information we must retain for a legal obligation, fraud/security investigation, or completed payment record. Retained information is restricted and deleted when the retention reason ends.

6. Security

We use access controls, authenticated sessions, encryption in transit, and operational safeguards designed to protect information. No system is completely secure. Keep your password private, use a device you trust, and contact us promptly if you suspect unauthorized access.

7. Your privacy rights

Subject to applicable law, you may ask to access, correct, delete, restrict, or object to processing of your personal data, or ask about portability. We may need to verify your identity before acting. You may also complain to the Office of the Data Protection Commissioner in Kenya.

8. International processing and changes

Our providers may process information outside Kenya. Where required, we use appropriate safeguards for international transfers. We may update this policy as the service or law changes and will post the revised version here with a new effective date.

9. Contact

For privacy questions or requests, contact: HOLWA Solutions, P.O. Box 100-01000, Thika, Kenya | holwasolutions@gmail.com | https://hol-wa.com.