Privacy Policy

Invinciboz ("we", "our", or "us") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you use our savings group management platform and related services (the "Service"). By using the Service, you agree to the practices described here.

Information you provide directly:

• Account details — name, email address
• Profile information and preferences
• Transaction data
• Communications you send us (support requests, feedback)

Information collected automatically:

• Device identifiers, IP address, browser type, and OS
• Usage data — pages visited, features used, and interaction patterns
• Cookies and similar tracking technologies

• Create and maintain your account
• Process financial records, track cycles
• Communicate with you about your account, updates, and support
• Improve the reliability, security, and features of the Service
• Detect and prevent fraud, abuse, and unauthorised access
• Comply with applicable legal obligations

We do not sell your personal data. We may share information only in the following circumstances:

• Group members: Certain information (e.g. your name, contribution status) is visible to members of savings groups you belong to.
• Service providers: Trusted third parties who help us operate the platform under strict confidentiality agreements.
• Legal requirements: When required by law, court order, or to protect the rights or safety of Invinciboz or its users.
• Business transfers: In connection with a merger or acquisition, with appropriate notice to you.

We retain your personal information for as long as your account is active or as needed to provide the Service. You may request deletion at any time. Some data may be retained for a limited period to satisfy legal or regulatory obligations.

We implement industry-standard technical and organisational measures to protect your data against unauthorised access, loss, or disclosure. No method of internet transmission is completely secure, and we cannot guarantee absolute security.

We use cookies and similar technologies to keep you logged in, remember your preferences, and understand how the Service is used. You can control cookies through your browser settings, though disabling them may affect certain features.

The Service is not directed to individuals under 18. We do not knowingly collect personal information from minors. If we become aware that a child has provided us with data, we will delete it promptly.

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

• Access the personal data we hold about you
• Correct inaccurate or incomplete information
• Request deletion of your personal data
• Object to or restrict certain processing activities
• Request portability of your data in a structured format
• Withdraw consent at any time where processing is consent-based

We may update this Privacy Policy from time to time. When we do, we will revise the "Last updated" date and, where changes are material, notify you via email or in-app notice.

Questions, concerns, or requests relating to this Privacy Policy: