Privacy Policy

Effective date: August 30, 2025

Fingen Money Genius Group (“Fingen”, “we”, “us”, or “our”) operates the Fingen App and related services. We are committed to protecting your privacy and ensuring transparency in how your personal data is collected, used, and safeguarded. This Privacy Policy explains our practices and your rights.

1. Who We Are

Fingen Money Genius Group is a not-for-profit organization headquartered in Lusaka, Zambia. Our mission is to empower individuals and small businesses through financial literacy, inclusion, and digital innovation:contentReference[oaicite:1]{index=1}.

2. Data We Collect

• Personal info: Name, email address, phone number, user IDs, and optional business details.
• Financial info: Purchase history and other business/transactional data you generate.
• App activity: App interactions and other user-generated content (e.g., product listings, wholesaler info).
• Device IDs: Identifiers required for login sessions and push notifications.

We do not collect location data, health data, contacts, or sensitive categories such as race, religion, or sexual orientation.

3. How We Use Your Data

• To provide core app functionality (account creation, login, transactions).
• For account management (profile updates, account deletion).
• For fraud prevention and security (monitoring failed logins, protecting accounts).
• To improve the app’s performance and ensure financial literacy outcomes.

We do not use your data for advertising or third-party marketing.

4. Data Sharing

We do not sell your personal data. Data may be shared only:

• With service providers who support our operations (e.g., hosting, analytics).
• With financial institutions, only when you consent to services such as credit scoring.
• When legally required (e.g., compliance with law enforcement or regulators).

5. Data Security

All user data is encrypted in transit via HTTPS/TLS. We apply industry-standard safeguards and access controls to protect your information.

6. Data Retention

• Your personal and financial data is retained as long as you have an active account.
• When you delete your account, it is deactivated immediately and permanently deleted after a 30-day grace period.
• Operational logs and encrypted backups may be retained for up to 90 days, then purged.

7. Your Rights

• Access & correction: You can view and update your profile in the app.
• Account deletion: You may delete your account via the app or request deletion at Account Deletion Page.
• Data deletion: You may request deletion of some or all of your data without deleting your account via Data Deletion Page.

8. Children’s Privacy

The app is not directed to children under 13. We do not knowingly collect data from children without parental consent.

9. Updates to This Policy

We may update this Privacy Policy from time to time. Any major changes will be communicated in the app and updated on this page.

10. Contact Us

For questions or privacy requests, please contact: