Privacy Policy for SOU

Last Updated: May 1, 2025

1. Introduction

Welcome to SOU ("we," "our," or "us"), a personal finance application designed to help users manage group savings (esusu/ajo), budgeting, and financial collaboration. Your privacy is important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the SOU mobile application ("App"). By using SOU, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Personal Information

Full name
Email address
Phone number
Profile photo (optional)

2.2 Financial Information

Savings contributions and transaction records
Wallet balances (if applicable)
Payment details (processed securely via third-party providers)

⚠️ Note: SOU does NOT store sensitive payment credentials such as full debit/credit card numbers.

2.3 Device & Technical Data

Device type and OS version
IP address
App usage data
Log data (crashes, diagnostics)

2.4 Contacts & Social Data (Optional)

With your permission, we may access:

Contacts (to invite friends to savings groups)
Group participation data (ajo/esusu groups)

3. How We Use Your Information

We use your data to:

Create and manage your account
Facilitate group savings (ajo/esusu)
Process transactions and contributions
Provide budgeting insights and analytics
Send notifications (reminders, updates, alerts)
Improve app functionality and user experience
Detect and prevent fraud or unauthorized activity
Comply with legal and regulatory obligations

4. Data Sharing and Disclosure

We do NOT sell your personal data.

4.1 Service Providers

Trusted third parties who help us operate the app, such as:

Payment processors
Cloud storage providers
Analytics services

4.2 Legal Authorities

When required by law or to:

Comply with legal obligations
Prevent fraud or financial crimes
Protect users and platform integrity

4.3 Group Members

Certain information (e.g., name, contribution status) may be visible within your savings group to ensure transparency.

5. Data Security

We implement industry-standard security measures, including:

Encryption (HTTPS/SSL)
Secure servers and access controls
Authentication safeguards

However, no system is 100% secure. We encourage users to protect their login credentials.

6. Data Retention

We retain your data:

For as long as your account is active
As necessary to comply with legal obligations
For dispute resolution and enforcement of agreements

You may request deletion of your data (see Section 8).

7. Your Rights

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

Access your personal data
Correct inaccurate information
Request deletion of your data
Withdraw consent (where applicable)
Object to certain processing activities

8. Account Deletion & Data Requests

You can:

Delete your account directly in the app
Contact us at: appsupport@grangerpr.com

Upon request, we will delete or anonymize your data unless retention is required by law.

9. Children's Privacy

SOU is not intended for children under 13 (or applicable age in your jurisdiction). We do not knowingly collect data from children. If we become aware of such data, we will delete it promptly.

10. Third-Party Services

The app may contain links or integrations with third-party services (e.g., payment gateways). Their privacy practices are governed by their own policies.

11. International Data Transfers

Your data may be processed in countries outside your own. We ensure appropriate safeguards are in place to protect your data.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted within the app and updated with a new "Last Updated" date.

13. Contact Us

If you have questions or concerns about this Privacy Policy, contact us:

Email: appsupport@grangerpr.com

Company: GrangerPr Firm