1. COLLECTION OF YOUR INFORMATION
We may collect information about you in a variety of ways. The information we may collect via the App and Website includes:
Personal Data: Personally identifiable information, such as your name, email address, phone number, and demographic information, such as your age, gender, hometown, that you voluntarily give to us when you register with the App or when you choose to participate in various activities related to the App.
Financial Data: Financial information, such as data related to your payment method (e.g., linked bank account details, debit card numbers) that we may collect when you link a payment source to the App. We store only very limited, if any, financial information that we collect. Otherwise, all financial information is stored by our payment processor [Payment Processor Name(s)], and you are encouraged to review their privacy policy and contact them directly for responses to your questions.
Transaction Data: Information related to payments sent and received through the App, including recipient details, transaction amounts, date, and time.
Device Data: Information such as your mobile device ID number, model, manufacturer, operating system, version information, IP address, and mobile network information.
Usage Data: Information about how you use the App and interact with our website, including access times, pages viewed, and features used.
Location Data: We may request access or permission to and track location-based information from your mobile device, either continuously or while you are using the App, to provide location-based services. If you wish to change our access or permissions, you may do so in your device’s settings.
Contact Data: If you permit the App to access the contact list on your device, we may collect names and contact information from your contact list to facilitate social interactions and payments.
2. USE OF YOUR INFORMATION
Having accurate information about you permits us to provide you with a smooth, efficient, secure, and customized experience. Specifically, we may use information collected about you via the App or Website to:
Create and manage your account.
Process payments, transactions, and send transaction notices.
Email you regarding your account or transactions.
Prevent fraudulent transactions, monitor against theft, and protect against criminal activity.
Request feedback and contact you about your use of the App.
Resolve disputes and troubleshoot problems.
Respond to customer service requests.
Improve the efficiency and operation of the App and Website.
Monitor and analyze usage and trends to improve your experience.
Comply with legal and regulatory requirements.
3. DISCLOSURE OF YOUR INFORMATION
We may share information we have collected about you in certain situations. Your information may be disclosed as follows:
By Law or to Protect Rights: If we believe the release of information about you is necessary to respond to legal process, to investigate or remedy potential violations of our policies, or to protect the rights, property, and safety of others, we may share your information as permitted or required by any applicable law, rule, or regulation.
Third-Party Service Providers: We may share your information with third parties that perform services for us or on our behalf, including payment processing, data analysis, email delivery, hosting services, customer service, and marketing assistance.
Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
With your Consent: We may disclose your personal information for any other purpose with your consent.
We do not sell your personal information to third parties.
4. SECURITY OF YOUR INFORMATION
We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.
5. DATA RETENTION
We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
6. YOUR DATA PROTECTION RIGHTS
Depending on your location, you may have the following rights regarding your personal data:
The right to access – You have the right to request copies of your personal data.
The right to rectification – You have the right to request that we correct any information you believe is inaccurate or complete information you believe is incomplete.
The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
If you would like to exercise any of these rights, please contact us at [Contact Email Address].
7. POLICY FOR CHILDREN
We do not knowingly solicit information from or market to children under the age of 13. If you become aware of any data we have collected from children under age 13, please contact us using the contact information provided below.
8. INTERNATIONAL TRANSFERS
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.