Welcome to Stashwise! This Privacy Policy aims to help you understand how Stashwise (we, us,or , our) collects, uses, stores, and protects your personal information when you use our savings and investment app that incentivizes and gamifies the savings process (the Service). We are committed to protecting your privacy and ensuring the security of your personal information. By accessing or using our Service, you agree to the terms of this Privacy Policy. If you do not agree with the practices described in this policy, please do not use our Service

We collect personal information that you voluntarily provide when using our Service, including but not limited to your full name, email address, phone number, date of birth, home address, national identification numbers (e.g., Social Security Number, National Insurance Number), bank account information, financial details (such as income, expenses, and savings goals), profile picture, information about your savings habits and goals, next of kin details, employment information, and KYC (Know Your Customer) information. Additionally, we may automatically collect certain information about your device and usage when you use our Service, including device information (e.g., hardware model, operating system version, unique device identifiers), IP address, browser type and version, time zone setting, usage data (e.g., features used, time spent on the app, interactions), location data (with your permission), and log data (e.g., access times, pages viewed, app crashes). We may also receive information about you from third parties, such as financial institutions (with your permission), credit reporting agencies, identity verification services, marketing partners, and referral sources.

We use the information we collect for various purposes, including to provide, maintain, and improve our Service, process transactions, manage your account, personalize your experience with tailored savings recommendations, communicate with you about your account, updates, and promotional offers, verify your identity to prevent fraud, analyze usage patterns to enhance our Service, comply with legal and regulatory requirements, conduct credit assessments and determine risk appetite, facilitate customer support, and conduct surveys and research to improve our Service.

We may share your personal information in various circumstances, including with financial institutions to process transactions, with service providers performing services on our behalf (such as cloud storage and data analysis), with identity verification and fraud prevention services, with legal and regulatory authorities when required by law, in connection with a merger or acquisition, with our subsidiary companies for internal business purposes, with referral partners only to confirm successful referrals, and with third-party advertisers to show you relevant ads (with your consent). We do not sell your personal information to third parties for their marketing purposes.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized or unlawful processing, accidental loss, destruction, or damage. These measures include encryption of data in transit and at rest, regular security audits and penetration testing, access controls and authentication mechanisms, and employee training on data protection and security practices. However, please be aware that no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security

Depending on your location, you may have certain rights regarding your personal information, including the right to access, correct, delete, restrict or object to processing, and data portability. To exercise these rights, please contact us using the information provided in the Contact Us section. We will respond to your request within the timeframe specified by applicable law.

We retain your personal information for as long as necessary to provide our Service and comply with legal obligations. When we no longer need your personal information, we will securely delete or anonymize it. Specific retention periods may vary depending on the type of information and legal requirements.

Our Service is not intended for children under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

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. For significant changes, we may provide additional notice through the app or via email. We encourage you to review this Privacy Policy periodically.

Your personal information may be transferred to and processed in countries other than your country of residence, which may have different data protection laws. We will take appropriate measures to protect your personal information in accordance with this Privacy Policy and applicable laws, including using standard contractual clauses or other appropriate legal mechanisms for transfers

We use cookies and similar tracking technologies to collect information about your browsing activities. These technologies help us analyze app usage, personalize content, and improve our Service. You can manage your cookie preferences through your device or browser settings. For more information, please see our separate Cookie Policy.

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to read the privacy policies of any third-party sites you visit.

We process your personal information based on one or more of the following legal grounds: your consent, performance of a contract with you, compliance with a legal obligation, and our legitimate interests, provided they do not override your fundamental rights and freedoms

In the event of a personal data breach likely to result in a high risk to your rights and freedoms, we will notify you and the relevant supervisory authority without undue delay, in accordance with applicable law.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at: Stashwise Privacy Team Email: support@stashwise.africa Address: Plot 4, 5 Adeloye Oladejo street, Alagbaka, Akure 340001, Ondo State, Nigeria.

This Privacy Policy shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

By using our Service, you consent to the collection, use, and sharing of your personal information as described in this Privacy Policy. You may withdraw your consent at any time, but this may affect your ability to use certain features of our Service