Last updated: 2 June 2026
Niletu Ltd is a company registered in Zanzibar, Tanzania. We operate the Niletu app and website, which help people contribute toward shared goals with family, friends and groups. This policy explains, in plain language, what information we collect and what we do with it. It applies to the app, the website, and contributions made with a Goal ID.
We collect what we need to run the service: your name and phone number when you register; the goals you create and the contributions you make; payment details needed to move money through providers like M-Pesa, Airtel Money, Mixx by Yas, CRDB, NMB and NBC; and basic device information that helps us keep your account secure.
We do not collect your contacts unless you choose to invite someone, and we never read your messages outside Niletu.
We use your information to operate goals and groups, process contributions and withdrawals, show members the transparent records Niletu is built on, send you updates you have asked for, and meet our legal obligations as a financial service. We do not sell your information to anyone.
Inside a goal, your name and contributions are visible to its members, that transparency is the heart of the product. Outside a goal, we share information only with the payment providers who move your money, with service providers who help us run Niletu under strict agreements, and with authorities when the law requires it.
Funds are held with regulated partner institutions. Your account is protected by your phone number and PIN, money movements require confirmation, and our systems encrypt data in transit and at rest. If we ever discover a breach that affects you, we will tell you promptly and plainly.
You can see and update your details in the app, contribute privately so only the goal owner sees your name, turn notifications on or off, and ask us for a copy of your data, or its deletion, at any time. Some records must be kept for a period by law, and we will tell you which when you ask.
Questions about privacy? Write to privacy@niletu.co.tz or message us on WhatsApp from the support page.
