Terms & Conditions


This privacy policy sets out how Zamara Holdings Limited (“Zamara”) and all subsidiaries uses and protects any information that you provide and ensuring that your privacy is protected. We are committed to protecting your privacy. This Privacy Policy applies to both the Zamara website, www.zamaragroup.com/rw and the customer service portal, Zamara Online Member Portal. This Privacy Policy governs the data collection, processing and usage practices.It also describes the client’s choices regarding the use, access and correction of personal information. By using the Websites or the Member Portal, the user consents to the data practices described in this Privacy Policy.

The Privacy and Data Protection Policy is periodically updated. We encourage you to review this Privacy Policy periodically


  1. The purpose of this policy is to lay the foundation to enforce Article 31 of the Constitution of Kenya, by developing privacy and data protection laws.
  2. This policy informs on the management of Personal Data in the information life cycle and the commitment of the Kenya Government to protect Personal Data including Personal Sensitive Data.


The objectives of this policy are:

  1. To inform the development of Privacy and Data Protection laws and facilitate statutory and regulatory compliance and enhance the effective application of the proposed laws in Kenya.
  2. To comply with the international good practice and ensure consistency in practices and procedures in developing and administering the Privacy and Data Protection laws.
  3. To ensure effective protection and management of Personal Data by identifying, assessing, monitoring and mitigating privacy risks in programs and activities involving the collection, retention, use, disclosure and disposal of Personal Data, and to establish the required institutional framework for privacy and data protection.
  4. The expected results of this policy are to develop a legal framework to govern the protection of personal data of all Zamara Clients




  1. This policy sets out the requirements for the protection of Personal Data in manual, electronic or any other form
  2. This policy shall be the overarching guiding policy in relation to matters of Privacy and Data Protection.
  3. This policy applies to any Personal Data which is processed or controlled by a data controller in Zamara Holdings Limited (“Zamara”) and all subsidiaries that processes personal data.



To comply with the policy, information must be collected and used fairly, stored securely and not disclosed to any other person unlawfully. The principles applied in the Policy are based on the global best practices in data protection as below;
The contents of this site, including but not limited to the text and images herein and their arrangement, are copyright © 1993 – 2021 by Zamara Holdings Limited (“Zamara”) and all subsidiaries. All Rights Reserved.
Zamara hereby authorizes you to copy and display the content herein, but only for your personal or informational and non-commercial use. However, the content herein shall not be copied or posted in any network computer or broadcast in any media. Any copy you make must include this copyright notice. Limited quotations from the content are permitted if attribution to Zamara is included, but you may not copy or display for redistribution to third parties for commercial purposes any portion of the content without the prior written permission of Zamara. No modifications of the content may be made.
Nothing contained herein shall be construed as conferring by implication, estoppel or otherwise any license or right under any patent, trademark, copyright (except as expressly provided above), or other proprietary rights of Zamara or of any third party.
Zamara, the Zamara Logo and the taglines, including but not limited, “Powering Prosperity” are registered trademarks of Zamara.
All other trademarks are either owned by Zamara or by its subsidiaries and affiliates.

Zamara makes no representations about the suitability of the content of this site for any purpose. All content is provided “as is” without any warranty of any kind.
Zamara has not made and does not make any warranty of any kind whatever, express or implied, with respect to the contents of this site; and all implied warranties or merchantability, title, non-infringement and fitness for a particular purpose are hereby disclaimed by Zamara. Zamara will not be liable to anyone with respect to any damages, loss or claim whatsoever, no matter how occasioned, in connection with access to or use of the contents of this site. In no event shall Zamara be liable for any special, indirect, exemplary or consequential damages or any damages whatsoever, including but not limited to loss of use, data or profits, without regard to the form of any action including but not limited to contract or negligence or other tortious actions, arising out of or in connection with the use, copying or display of the content.
While Zamara believes the content to be accurate, complete and current, there may be inadvertent technical or factual inaccuracies and typographical errors. Zamara does not warrant that the information is accurate or complete or current. It is your responsibility to verify any information before relying on it. At any time and from time to time Zamara may make changes in the products and/or services described herein, however, Zamara makes no commitment to update the information and expressly disclaims liability for errors or omissions in it.

Some of the sites listed as links herein are not under the control of Zamara. Accordingly, Zamara makes no representations whatsoever concerning the content of those sites. The fact that Zamara has provided a link to a site is not an endorsement, authorization, sponsorship or affiliation by Zamara with respect to such site, its owners or its providers. Zamara is providing these links only as a convenience to you. Zamara has not tested any information, software or products found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software or products found on the Internet, and Zamara cautions you to make sure that you completely understand these risks before retrieving, using, relying upon or purchasing anything via the Internet.


Zamara, including all of its subsidiaries and affiliates, maintains relationships with clients and business partners around the world. When Zamara recommends or mentions a product or service provider, it is possible that the product or service is being offered by one of Zamara’s clients or business partners.
Zamara maintains a strict Code of Business Conduct covering many topics, including antitrust and competition law, conflicts of interest, anti-bribery, privacy, financial reporting, compliance with trade restrictions, protection of confidential information, and compliance with all laws and regulations applicable to the conduct of our business. Zamara also files necessary disclosures with all governmental regulators.



At Zamara, we do business with companies and individuals whom we expect to hold values that are dear to our code of business conduct and apply the highest ethical standards. All arrangements with business partners must comply with applicable laws and Zamara Corporate Policies. Some of the key Zamara policies are as listed below:

  • Financial Crime, Anti-Money Laundering, and Anti-Terrorism Laws and Regulations.

Zamara complies with the financial crime, anti- money laundering and anti-terrorism laws in all jurisdictions where it does business. Zamara will conduct business only with reputable parties that are engaged in legitimate business activities, with funds derived from legitimate sources.

  • Fair Dealing and Marketing Practices


At Zamara, we deal in an honest way with our clients, suppliers, markets and competitors. Zamara does not take advantage of anyone through manipulation, concealment, abuse of privileged information, misrepresentation, or by means of any other unfair practice. International Trade Restrictions. Zamara and its affiliates shall comply with local and international laws, and regulations including restrictions on trade in all countries where Zamara does business.

  • Harassment and Discrimination

At Zamara we do not tolerate harassment or discrimination of any kind, including sexual, cultural or any other type of behaviour that is hostile, disrespectful, abusive and/or humiliating to others.

    Information Privacy.

Zamara’s commitment to integrity extends to personal information about Zamara’s clients, employees, markets, business partners, suppliers or any other party whose personal data is processed or controlled by Zamara.

  • Information Confidentiality

Zamara is committed to respect the confidentiality and privacy of its clients and business partners, to safeguard personal identifiable data/information, and to maintain systems’ security at all times.

  • Speak up


Kindly play your role by reporting any improper or illegal activities or violations of this Code of Business Conduct, Zamara Group policies or the law, in a manner compliant with local law by contacting the Zamara Group Governance, Risk and Compliance Department on compliance@zamara.co.ke



Zamara is committed to integrity in our dealings with our clients, employees and service partners (“customers”). This commitment extends to personal information about our customers that we might possess or acquire. We strive to protect the personal information under our control and take certain precautions to help maintain the security and accuracy of that data.

Zamara is a pan African organization, with legal entities, business processes, management structures, and technical systems that cross geographic borders. This Privacy Statement applies to all Zamara affiliates and subsidiaries. If you have questions or concerns regarding this statement, you should contact Zamara using the contact information included at the end of this statement. Zamara may also collect information during your visit to the Zamara website through cookies. Zamara uses cookies to help it compile aggregate statistics about usage of its websites. This information is used to improve content and personalize your user experience. However, by modifying your Internet browser preferences, you have the ability to accept all cookies, to be notified when a cookie is set or to reject all cookies. Please note that, if you choose to reject all cookies you will be unable to use those services or engage in activities that require the placement of cookies.

Through zamaragroup.com/rw, you may link to web pages and websites operated by Zamara and its subsidiaries and affiliates in various jurisdictions. If a Zamara subsidiary or affiliate site has its own specific privacy policy, the provisions of that specific policy will prevail. Zamara may also provide links to websites that are external to Zamara. These websites are not operated or controlled by Zamara, and Zamara is not responsible for the privacy practices or the content of such external web sites.

Individuals may have certain rights of access to personal information held by Zamara and to have such data corrected where incorrect. Please contact the Zamara Group Governance, Risk and Compliance Department  by emailing compliance@zamara.co.ke

By using the zamaragroup.com/rw website, you agree that we can place cookies on your device as described in our Privacy Statement and this Cookie Notice.


A cookie is a piece of information contained in a very small text file that is stored in your Internet browser or elsewhere on your hard drive. Cookies allow a website to identify a user’s device whenever that user returns to the website and are commonly used in order to make websites work more efficiently and enrich the user experience, as well as to provide information to the owners of the site.



Zamara collects information during your visit to the Zamara website through the use of cookies. We use these cookies for a variety of reasons, most commonly to distinguish you from other users of our websites and to help us compile aggregate statistics about usage of our websites. We also use cookies to help us provide you with a positive experience when you browse our website, help improve our content, and to personalize your visit.



Zamara may also use tracking technologies called web beacons to collect information about your visit to Zamara sites. These are small images embedded in web content and HTML-formatted email messages and are ordinarily not visible to users. Like cookies, this technology enables us to track pages and content accessed and viewed by users on Zamara sites. Also, when we send HTML-formatted (as opposed to plain text) emails to our users, this technology may be embedded in such emails. Using web beacons allows us to determine whether emails have been opened or links were accessed, and identify aggregate trends, individual usage, and generate statistics about how our site is used. This enables us to provide our users with more relevant content or additional information about our services.

Web beacons are often used in combination with cookies; however, unlike cookies, web beacons cannot be declined when delivered via a regular web page. However, they can be refused when delivered via email. If you do not wish to receive this technology via email, configure your email software to disable HTML images or refuse HTML emails (selecting the option for text only viewing). Setting your browser to decline cookies or to prompt you for an opt-in response before cookies are set will also reduce web beacons’ functionality.


The table below is a list of the main cookies set by Zamara websites. We are also providing both the purpose and the name of each cookie. Please note that we may from time to time modify or update our cookies. When that happens, we will update this list accordingly.

Category of Cookies Purpose
Analytics Cookies These cookies are used to estimate our audience, identify usage patterns, and speed up searches.
Why Cookies These cookies are used to collect information about how visitors use our site. We use the information to compile reports and to help us improve the site. The cookies collect information in an anonymous form, including the number of visitors to the site, where visitors have come to the site from and the pages they visited.
Session Cookies These cookies are used to maintain your transaction. Generally, your session cookies expire when your browser is closed. The use of the session cookies reduces the need for Zamara to transfer your information over the Internet.
Web Beacons Web beacons are clear picture files (clear .gif files) that allow Zamara to track user interactions. Zamara may use web beacons in e-mail messages or newsletters in order to determine whether messages have been opened or links were accessed. They also allow Zamara to track customer actions in order to tailor our services to you. Customized content is influenced by your interaction with Zamara, including the pages viewed, offers that you show an interest in, and responses provided to survey questions.
Functionality Cookies These cookies are used to recognize repeat visitors to the site and allow the website to remember the choices you make (such as username, language or the region you are in). They are often used to record specific browsing information (including the way you arrive on the site, the pages you view, options you select, information you enter and the path you take through the site) against an individual customer profile.
Country Preference Cookies These cookies are used to record your country preference. They allow the selected country page to be presented to the visitor without re-entry of country preference during each visit to the website.
Language Preference Cookies These cookies are used to record preferred language. They allow the preferred language to be displayed to the visitor without re-entry of language preference during each visit to the website.
Content Management System Cookie Denotes the way the site is being viewed (Live Site/Design Mode, etc.)
Authentication Management Contains your authentication ticket information.




Disclaimer of Zamara Group, Its Subsidiaries, Affiliates and Associated Companies (“The Zamara Group of Companies”)


Any electronic mail (including attachments) you receive from the Zamara Group of Companies, its employees, agents, and representatives, is subject to the Zamara Group of Companies e-mail disclaimer conditions as set out below:


Everything in this e-mail is confidential, private and may be subject to legal privilege.

Neither the Zamara Group of Companies, nor its employees nor representatives shall be liable for any loss or damage, no matter how caused (directly or indirectly), including but not limited to the corruption or loss of data, interruption of business operations, damage to software programs or viruses resulting from the transmission of this e-mail.

The views expressed in this e-mail are the views of the sender unless clearly stated as those of the Zamara Group of Companies. The Zamara Group of Companies expressly prohibits any of its users from sending any spam or offensive content, or any content, which infringes other parties’ proprietary information. The Zamara Group of Companies shall not be liable for any loss or damage resulting from the above whatsoever.

The person addressed in the e-mail is the sole authorised recipient of the e-mail. Please notify the sender immediately if you are not the intended recipient and refrain from copying, forwarding, storing or using the e mail or its content for any purposes whatsoever. Failure to do so may be an offence which may expose you to criminal and civil liability. Kindly acknowledge receipt of this mail. If we do not hear from you to the contrary, we will assume that you agree with all the terms and conditions as set out above.


  1. Use of personal data consent form
  2. Access to data request form
  3. Data deletion disclaimer
  4. Data protection and privacy policy
  5. General disclaimers (Data Protection)