Privacy Policy

We collect information that you provide directly to us, information we collect automatically, and information from third parties. Here's what we collect:

Personal Information

• Account Information: Name, email address, phone number, profile photo, and password
• Financial Information: Mobile money details for processing payments (we do not store complete payment details)
• Transaction Information: Expense details, group membership, payment records
• Communications: Messages, support requests, and feedback you provide

Automatically Collected Information

• Device Information: Device type, operating system, unique device identifiers
• Log Data: IP address, browser type, pages visited, time spent, features used
• Location Data: General location information based on IP address or mobile device settings
• Cookies & Similar Technologies: Information collected through cookies and similar tracking technologies

Information from Third Parties

• Social Media: Information from social media accounts if you choose to link them
• Payment Processors: Transaction information from our payment processors (e.g., Safaricom M-Pesa)

We use the information we collect for various purposes, including:

• Providing the Service: Processing transactions, facilitating bill splitting, and managing group expenses
• Account Management: Creating and managing your account, authenticating your identity
• Communications: Sending you service-related messages, updates, and marketing communications
• Improving the Service: Analyzing usage patterns, troubleshooting, and enhancing features
• Security: Protecting against fraudulent or unauthorized transactions
• Legal Compliance: Complying with applicable laws, regulations, and legal processes

We may share your information with the following types of recipients:

• Other Users: When you create groups or split expenses, related information is shared with other group members
• Service Providers: Third-party vendors who help us provide and improve the Service
• Payment Processors: Financial institutions that process your transactions
• Legal Requirements: When required by law, legal process, or to protect our rights
• Business Transfers: In connection with a merger, acquisition, or sale of assets

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 access, accidental loss, alteration, or disclosure. These measures include:

• Encryption: We use industry-standard encryption to protect data in transit and at rest
• Access Controls: Restricted access to personal information to authorized personnel
• Regular Audits: Periodic security assessments and penetration testing
• Secure Infrastructure: Protected data centers with advanced security measures

Despite our efforts, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information.

Depending on your location, you may have certain rights regarding your personal information:

• Access and Portability: You can request a copy of your personal information
• Correction: You can request that we correct inaccurate or incomplete information
• Deletion: You can request that we delete your personal information
• Restriction: You can request that we limit how we use your information
• Objection: You can object to certain uses of your information

To exercise these rights, please contact us using the information provided in the "Contact Us" section. We may need to verify your identity before fulfilling your request.

Additional Privacy Controls

• Account Settings: You can update your account information and privacy preferences in the app's settings
• Marketing Communications: You can opt out of marketing emails by clicking the "unsubscribe" link
• Push Notifications: You can manage notification preferences in your device settings

We primarily process and store your information in Kenya. However, we may transfer your information to other countries where our service providers are located. When we transfer personal information outside of your country, we implement appropriate safeguards to ensure your information receives an adequate level of protection.

By using our Service, you consent to the transfer of your information to countries that may have different data protection laws than your country of residence.

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

We use cookies and similar tracking technologies to track activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier.

We use cookies for the following purposes:

• Essential Cookies: Required for the operation of our Service
• Analytics Cookies: Help us understand how users interact with our Service
• Functional Cookies: Remember your preferences and settings

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

We may update our 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 at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.