Privacy Policy

AgriFin Digital Groups ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you use our mobile applications, web applications, and related services (collectively, the "Service").

1. Information We Collect

• Account Information: Name, email address, password, and optional profile information you provide.
• Group Data: Group details, roles, attendance, savings, loans, repayments, fines, and welfare/social fund records, as entered by your group or its administrators.
• Usage Data: Log files, device information, IP address, timestamps, and app interactions for analytics and security.
• Communications: Messages to support, notifications preferences, and feedback.

2. How We Use Information

• To provide, maintain, and improve the Service.
• To authenticate users and authorize group roles and permissions.
• To generate reports and insights for your group, including cycle‑based records.
• To communicate with you about updates, security, and support.
• To detect, prevent, and address fraud, abuse, or security incidents.
• To comply with legal obligations.

3. Legal Bases for Processing

If you are in a jurisdiction that requires it (e.g., EEA/UK), we process personal data under one or more of the following legal bases: consent, contract performance, legitimate interests, legal obligation, or vital interests.

4. Sharing of Information

• Within Your Group: Your group administrators and members may access data according to configured roles and permissions.
• Service Providers: We may share data with vendors that help us provide the Service (e.g., hosting, analytics, communications, payments) under contractual confidentiality and security obligations.
• Legal & Safety: We may disclose information if required by law or to protect the rights, property, or safety of users, the public, or the Service.
• Business Transfers: In the event of a merger, acquisition, or asset sale, data may be transferred as part of that transaction.

5. Data Retention

We retain personal data for as long as necessary to provide the Service and for legitimate business or legal purposes. Group records may be retained for audit history unless your group requests deletion consistent with applicable law.

6. Your Rights

Depending on your location, you may have rights to access, correct, delete, or export your personal data, and to object to or restrict certain processing. To exercise these rights, contact us at support@agrifin.digital. We may require verification of your identity.

7. Security

We implement administrative, technical, and physical safeguards designed to protect personal data. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

8. International Transfers

We may process and store information in countries outside your own. Where required, we use appropriate safeguards for cross‑border data transfers.

9. Children’s Privacy

The Service is not directed to children under the age of 13 (or as defined by local law). We do not knowingly collect personal information from children. If you believe a child has provided us with personal data, contact us to request deletion.

10. Changes to this Policy

We may update this Privacy Policy from time to time. We will update the “Last updated” date above when changes are made. Your continued use of the Service after changes indicates your acceptance of the revised Policy.

11. Contact Us

For questions or concerns about this Privacy Policy or our data practices, contact us at support@agrifin.digital.