SimpliFi Africa - Privacy Policy

1. Introduction

SimpliFi Africa ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application SimpliFi Africa (the "App"). Please read this Privacy Policy carefully. By using our App, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect the following personal information when you create an account and use our services:

• Full name
• Email address
• Phone number
• Date of birth
• Gender
• Address information (street address, city, state, Local Government Area, postal code)
• Profile pictures (when you choose to upload them using your device camera)

2.2 Financial Information

To provide our financial services, we collect:

• Account information
• Transaction history
• Savings goals and jars
• Category spending data
• Wallet tier and account limits
• Bank account details (when you link accounts)

2.3 Authentication Information

We collect authentication data through:

• Email and password credentials
• Google Sign-In account information (when you choose to sign in with Google)
• Apple Sign-In account information (when you choose to sign in with Apple)

2.4 Device Information

We automatically collect certain information about your device:

• Device ID and unique device identifiers
• Device type and operating system
• App version and usage data
• IP address

2.5 Location Information

We collect location-related information including:

• State and Local Government Area (LGA) for service delivery and compliance purposes

3. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, maintain, and improve our financial services
• To process transactions and manage your accounts
• To verify your identity and comply with regulatory requirements
• To communicate with you about your account, transactions, and our services
• To personalize your experience within the App
• To detect, prevent, and address technical issues and security threats
• To comply with legal obligations and enforce our terms of service
• To send you important updates, notifications, and promotional materials (with your consent)

4. Camera Permission

We request access to your device's camera solely for the purpose of allowing you to upload profile pictures and identity documents. We do not access your camera for any other purpose, and you can choose not to grant this permission. If you grant camera access, we only use images that you explicitly choose to upload. We do not continuously monitor or access your camera.

5. How We Share Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: With third-party service providers who perform services on our behalf (e.g., cloud storage, payment processing, analytics)
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure authentication and access controls
• Regular security assessments and updates
• Secure storage of credentials using industry-standard secure storage mechanisms

However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce our agreements
• Maintain business records for legitimate business purposes

When we no longer need your information, we will securely delete or anonymize it in accordance with applicable laws.

8. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Objection: Object to certain processing of your information
• Data Portability: Request a copy of your data in a portable format
• Withdraw Consent: Withdraw consent for processing where consent is the legal basis

To exercise these rights, please contact us using the information provided in Section 12.

9. Third-Party Services

Our App integrates with third-party services, including:

• Google Sign-In: When you use Google Sign-In, your use is subject to Google's Privacy Policy
• Apple Sign-In: When you use Apple Sign-In, your use is subject to Apple's Privacy Policy

We encourage you to review the privacy policies of these third-party services.

10. Children's Privacy

Our App is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

11. Changes to This Privacy Policy

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. You are advised to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: