Privacy Policy

This Privacy Policy applies to all users of the FinSquare Services, including community members, administrators, and visitors. By using FinSquare, you acknowledge that you have read and understood this Privacy Policy.

If you do not agree with this Policy, please discontinue use of the Services.

We collect information to provide, operate, improve, and secure the Services.

2.1 Personal Information You Provide

Depending on how you use FinSquare, we may collect:

• Full name
• Phone number
• Email address
• Date of birth
• Gender (optional)
• Profile photo (optional)
• Government-issued identification, where required for identity verification and compliance
• Bank account or mobile money details for transactions
• Community membership details

2.2 Financial and Transaction Information

To enable community savings, contributions, withdrawals, and transfers, we may collect and process:

• Transaction amounts and dates
• Contribution history
• Payout and withdrawal records
• Wallet balances
• Linked payment instrument details (processed securely via third-party payment providers)

FinSquare does not store full card numbers or sensitive payment credentials on its servers where third-party processors are used.

2.3 Automatically Collected Information

When you use the Services, we may automatically collect:

• Device information (device model, operating system, unique device identifiers)
• App version and usage data
• IP address
• Log files, crash reports, and performance data
• Approximate location derived from IP address

2.4 Information from Third Parties

We may receive information from:

• Payment processors and financial partners
• Identity verification providers
• Analytics and fraud prevention services
• Community administrators acting within the scope of the platform

We use collected information for the following purposes:

• To create and manage user accounts
• To operate and administer community finance activities
• To process transactions and payments
• To communicate important updates, notifications, and account statements
• To provide customer support
• To verify identity and comply with legal and regulatory obligations
• To detect, prevent, and investigate fraud, abuse, or security incidents
• To improve app functionality, performance, and user experience
• To comply with applicable laws and enforce our terms

Where required by law, FinSquare processes personal data based on one or more of the following legal grounds:

• Performance of a contract
• Compliance with legal obligations
• Legitimate business interests
• User consent, where required

We do not sell personal data.

We may share information only as described below:

5.1 Service Providers

We may share information with trusted third-party service providers that perform services on our behalf, including:

• Payment processing
• Identity verification
• Cloud hosting and data storage
• Analytics and monitoring
• Customer support tools

These providers are contractually obligated to protect your information and use it only for authorized purposes.

5.2 Community Administrators

Limited user information may be visible to authorized community administrators solely for the purpose of managing community activities within FinSquare.

5.3 Legal and Regulatory Requirements

We may disclose information if required to do so by law, regulation, court order, or government authority, or to protect the rights, safety, and security of FinSquare, our users, or others.

5.4 Business Transfers

If FinSquare is involved in a merger, acquisition, restructuring, or sale of assets, user information may be transferred as part of that transaction, subject to applicable data protection laws.

We retain personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including:

• Account maintenance
• Legal, regulatory, and accounting requirements
• Dispute resolution and enforcement

When data is no longer required, it is securely deleted or anonymized.

We implement appropriate administrative, technical, and organizational safeguards to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure. These measures include encryption, access controls, and regular security reviews.

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Depending on your jurisdiction, you may have the right to:

• Access your personal information
• Correct or update inaccurate data
• Request deletion of your personal information
• Object to or restrict certain processing activities
• Withdraw consent where processing is based on consent

Requests can be made through the app or by contacting us using the details below.

FinSquare is not directed to children under the age of 13. We do not knowingly collect personal information from children. If we become aware that such data has been collected, we will take steps to delete it promptly.

Your information may be processed and stored on servers located in different countries. Where international transfers occur, we take reasonable steps to ensure appropriate safeguards are in place in accordance with applicable laws.

The Services may contain links to third-party websites or services. FinSquare is not responsible for the privacy practices of such third parties, and we encourage users to review their privacy policies.

We may update this Privacy Policy from time to time. Material changes will be communicated through the app or other appropriate means. Continued use of the Services after an update constitutes acceptance of the revised Policy.

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