Summary: VONO collects only the data needed to run your business tools and help you access credit. We never sell your personal data. You control what you share.
1. Who we are
VONO Africa is a product of XFIN Digital Technologies LLC FZ, a company registered in the Dubai International Financial Centre (DIFC), UAE. When we refer to "VONO", "we", "us" or "our" in this policy, we mean XFIN Digital Technologies LLC FZ and its operating entities.
VONO provides mobile-first business software tools — the Digital Cashbook, VONO BOS, and HR & Payroll — to micro and small businesses across Sub-Saharan Africa.
2. What data we collect
Account and identity data
When you create a VONO account, we collect your name, phone number, and country. We may also collect your business name, type and location to personalise your experience.
Business transaction data
The core purpose of VONO is to help you record your business activity. Every income entry, expense, stock movement, invoice and transaction you record is stored securely and used to generate your reports, analytics and VONO Score.
Mobile money data
If you upload a mobile money statement (MTN MoMo, Airtel Money, M-Pesa), we parse it to reconcile your cashbook. This data is stored as part of your financial record.
Device and usage data
We collect standard device and usage data — app version, device type, crash logs, and feature usage patterns — to improve the product. This data is anonymised and aggregated.
Employee data (HR & Payroll users)
If you use VONO HR & Payroll, we collect employee personal details, salary information, attendance records and leave history that you enter on behalf of your employees. You are responsible for ensuring your employees are aware their data is being processed in VONO.
3. How we use your data
- To provide and improve VONO's products and services
- To generate financial reports, analytics and your VONO Score
- To send you in-app notifications, alerts and product updates
- To provide customer support when you contact us
- To generate anonymised credit intelligence used by lending partners (see Section 4)
- To comply with applicable laws and regulations in the countries we operate
4. Credit data & lending partners
VONO's credit intelligence system (CIDS) analyses your business activity data to build a financial profile and generate your VONO Score. This is one of VONO's core features.
If you choose to apply for a loan through VONO, we share a structured credit profile — derived from your transaction data — with the relevant licensed lending partner. We do not share your raw personal data without your explicit consent at the point of application.
VONO does not lend money. Loan decisions, disbursement and repayment are handled entirely by the partner lender under their own terms.
5. Data sharing
We do not sell your personal data. We share data only in the following circumstances:
- Lending partners: Anonymised credit profile data, shared only when you initiate a loan application
- Service providers: Cloud hosting, analytics and infrastructure providers who process data on our behalf under strict data processing agreements
- Legal requirements: When required by applicable law, court order or regulatory authority in any jurisdiction we operate
6. Data retention
We retain your business data for as long as your VONO account is active. If you close your account, we will delete your personal data within 90 days, except where we are required to retain it for legal or regulatory purposes (such as financial records required by local tax authorities).
7. Your rights
Depending on the laws of your country, you may have the right to access, correct, delete or export your personal data. To exercise any of these rights, contact us via our contact form.
8. Security
All data is encrypted in transit (TLS) and at rest. We use industry-standard cloud infrastructure with regular security audits. No system is 100% secure, but we take reasonable measures to protect your information.
9. Changes to this policy
We may update this Privacy Policy as our products and legal obligations evolve. We will notify you of significant changes via the app. Continued use of VONO after notification constitutes acceptance of the updated policy.
10. Contact
For any privacy-related questions, contact us via our contact form.