Tuma Hela, Inc. is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, share, and protect your personal information when you use our mobile application, website, and digital financial services (collectively, the "Services").
Our Services include digital money remittance, mobile money transfers, cryptocurrency wallet integration, bank account deposits, merchant payments, bill payments, airtime top-ups, and related financial technology services accessible through the Tuma Hela mobile application.
Tuma Hela, Inc. is a financial technology company specializing in digital remittance and mobile money services. Our registered address is:
Tuma Hela, Inc.
30 N Gould St Ste R
Sheridan, WY, 82801-6317
United States
We operate across multiple jurisdictions to provide cross-border financial services to diaspora communities and their families. Tuma Hela, Inc. serves as the primary data controller for the purposes described in this Privacy Policy.
The information we collect varies depending on how you interact with our Services and may include:
Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we discover that we have collected information from someone under 18, we will immediately delete such information and close any associated accounts.
If you believe we may have information from a minor, please contact us at privacy@tumahela.com.
We collect information through various methods:
We may share your personal information with:
We do not sell your personal information to third parties for marketing purposes without your explicit consent.
As a global financial services provider, we may transfer your personal information to countries outside your residence, including the United States, United Kingdom, European Union, Kenya, Nigeria, Ghana, Tanzania, Uganda, and other jurisdictions where we operate.
We ensure all international transfers comply with applicable data protection laws through Standard Contractual Clauses (SCCs), adequacy decisions by relevant authorities, Binding Corporate Rules (BCRs), and other appropriate safeguards as required by law.
We implement comprehensive security measures to protect your personal information:
We retain your personal information for as long as necessary to provide our Services, comply with legal and regulatory obligations, resolve disputes, enforce agreements, prevent fraud, and ensure security. The table below outlines the specific retention periods that apply to each category of data we hold.
| Data Type | Retention Period |
|---|---|
| Account information | Duration of relationship plus 7 years after account closure |
| Transaction records | 7 years from transaction date |
| Identity verification documents | 5 years after account closure |
| KYC and AML compliance records | 7 years from the date of the relevant transaction or activity |
| Cryptocurrency transaction records | Indefinite (blockchain records are permanent and cannot be deleted) |
| Mobile money transaction records | 7 years from transaction date per financial regulation requirements |
| Source of funds documentation | 7 years from account closure |
| Customer support records | 3 years from last interaction |
| Marketing data | Until consent is withdrawn |
| Technical logs and device data | 2 years from creation |
You may request account deletion at any time, subject to legal retention requirements as described in the table above and the steps below.
Depending on your jurisdiction, you may have the following rights:
To exercise your rights, contact us at privacy@tumahela.com.
We may send you marketing communications about new features, promotional offers, educational content, and market insights. You can opt-out at any time by using the unsubscribe link in emails, updating preferences in your account settings, or contacting privacy@tumahela.com.
Note: We will continue to send essential service communications regardless of marketing preferences.
Our app and website use cookies and similar technologies to remember your preferences, analyze usage patterns, provide personalized content, and measure marketing effectiveness. You can control cookie settings through your device or browser preferences.
Our Services may contain links to third-party websites, apps, or services. This Privacy Policy does not apply to third-party services. We encourage you to review the privacy policies of any third-party services you access through our platform.
We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. We will notify you of material changes through in-app notifications, email communications, website announcements, and push notifications. The "Last Updated" date at the top indicates when changes were made.
For privacy-related questions, concerns, or requests:
Email: privacy@tumahela.com
Data Protection Officer: dpo@tumahela.com
Tuma Hela, Inc.
30 N Gould St Ste R
Sheridan, WY, 82801-6317
United States
Phone: +1 (512) 243-5136
If you believe we have not addressed your privacy concerns adequately, you may file a complaint with your local data protection authority.
By using our Services, you acknowledge that you have read, understood, and agree to this Privacy Policy. You consent to the collection, use, and sharing of your personal information as described herein.
For specific consent requirements in your jurisdiction, additional consent mechanisms may be presented during account registration or service usage.
This Privacy Policy is effective as of the "Last Updated" date and supersedes all previous versions. We encourage you to review this policy regularly to stay informed about how we protect your privacy.
Tuma Hela, Inc. is a digital money remittance platform that uses SMS messaging to communicate with senders, recipients, and account holders regarding money transfer and financial services activities.
Messages may include account notifications, transaction confirmations, transfer status updates, security codes and one-time passcodes (OTPs), payment and deposit notifications, fraud alerts, identity verification requests, and other operational communications associated with a user's Tuma Hela account or transaction.
Recipients provide their mobile number and affirmatively opt in through the Tuma Hela application or applicable account onboarding workflow. SMS consent is not a condition of sending, receiving, or completing a money transfer, opening an account, or using any Tuma Hela service.
Recipients may reply STOP to opt out or HELP for assistance.
