Privacy Policy

We have implemented appropriate security measures to prevent your personal data from being accidentally lost, used, or accessed in an unauthorized way. We limit access to your personal data to employees and third parties who have a business need to know. They are subject to a duty of confidentiality and will only process your personal data on our instructions.

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. You may request deletion of your data at any time.

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including:

You will not have to pay a fee to access your personal data or to exercise any of the other rights. However, we may charge a reasonable fee if your request is clearly unfounded, repetitive, or excessive.

Our website or service may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements.

We may update this privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and updating the "last updated" date.

If you are a resident of the European Economic Area (EEA), you have certain data protection rights under the General Data Protection Regulation (GDPR).

10.1. Legal Basis for Processing

Under GDPR, we must have a legal basis for processing your personal data. We process your personal data on the following legal grounds:

• Consent: Where you have given us explicit consent to process your data for specific purposes, such as sending you marketing communications.
• Contractual Necessity: Where processing is necessary for the performance of a contract with you (e.g., providing our financial management services via WhatsApp).
• Legitimate Interests: Where processing is necessary for our legitimate interests, provided these interests do not override your fundamental rights and freedoms.
• Legal Obligation: Where processing is necessary to comply with a legal obligation to which we are subject.

10.2. Your Rights Under GDPR

As an EEA resident, you have the following rights:

• Right to Access: You can request copies of your personal data.
• Right to Rectification: You can request that we correct inaccurate information about you.
• Right to Erasure (Right to be Forgotten): You can request that we delete your personal data in certain circumstances.
• Right to Restrict Processing: You can request that we restrict the processing of your data in certain circumstances.
• Right to Data Portability: You can request that we transfer your data to another organization or directly to you.
• Right to Object: You can object to our processing of your personal data in certain circumstances.
• Rights Related to Automated Decision Making: You have rights related to automated decision making and profiling.

10.3. Data Retention Periods

We retain your personal data for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, the purposes for which we process it, and whether we can achieve those purposes through other means.

• User account information: Retained for the duration of your account plus 24 months after account closure.
• Financial transaction data: Retained for 7 years to comply with tax and financial regulations.
• Communication records: Retained for 24 months from the date of communication.
• Marketing preferences: Retained until you withdraw consent or after 36 months of inactivity.

10.4. International Data Transfers

Your data may be transferred to, and processed in, countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country. Specifically, our servers are located in the United States, and our service providers and partners operate globally.

When we transfer your information outside the EEA, we ensure a similar degree of protection by implementing at least one of the following safeguards:

• Transferring to countries that have been deemed to provide an adequate level of protection for personal data by the European Commission.
• Using specific contracts approved by the European Commission that give personal data the same protection it has in Europe (Standard Contractual Clauses).
• Transferring data to US-based organizations that are part of privacy frameworks that require them to provide similar protection to personal data shared between Europe and the US.

10.5. Complaint to a Supervisory Authority

If you are not satisfied with our response to your data protection concerns, you have the right to lodge a complaint with a supervisory authority in the EEA country where you reside, work, or where you believe an infringement of the GDPR has occurred.

Our website uses cookies and similar tracking technologies to distinguish you from other users of our website. This helps us provide you with a good experience when you browse our website and allows us to improve our site.

11.1. What Are Cookies

Cookies are small text files that are placed on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently and provide information to the owners of the site.

11.2. Types of Cookies We Use

11.3. How to Manage Cookies

You can control and manage cookies in various ways. Please keep in mind that removing or blocking cookies can negatively impact your user experience and parts of our website may no longer be fully accessible.

Through your browser settings, you can manage cookies by enabling, disabling, or deleting cookies. Additionally, we provide a consent management system where you can accept or reject cookies by categories.

If you have any questions about this privacy policy or our privacy practices, please contact us at: