Privacy Policy for Rovicc

1. Information We Collect

To provide and improve our virtual credit card services, we need to collect several types of information:

Personal Identification Information:

• Full name, date of birth, and gender.
• Contact information, including your email address, physical address, and phone number.
• Government-issued identification (e.g., National ID, passport, driver's license) for identity verification (KYC - Know Your Customer).

Financial Information:

• Bank account information, Bank Verification Number (BVN), and credit/debit card details to fund your virtual cards.
• Transaction history, including dates, amounts, merchants, and virtual card details for payments made through our service.

Technical Information:

• Device Data: We collect information about the mobile device you use, such as the hardware model, operating system version, unique device identifiers, and IP address.
• Usage Data: We automatically collect data about how you interact with our app, such as features used, pages viewed, and the dates and times of your sessions.

Location Information:

We may request permission to access your device's location to help prevent fraud and for security purposes.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To Provide and Manage Services: To create and manage your account, process transactions, issue virtual credit cards, and provide customer support.
• For Security and Fraud Prevention: To verify your identity, protect against unauthorized transactions, and monitor for fraudulent activity.
• To Comply with Legal Obligations: To adhere to anti-money laundering (AML) laws and other legal and regulatory requirements.
• To Improve Our App: To analyze usage trends, understand user needs, and improve the functionality and user experience of Rovicc.
• To Communicate With You: To send you important service updates, security alerts, and support messages. We may also send you marketing communications, which you can opt-out of at any time.

3. How We Share Your Information

We do not sell your personal data. We may share your information only with trusted third parties under the following circumstances:

• With Financial Partners: We share information with banks, payment processors, and card networks (like Visa or Mastercard) as necessary to process your transactions and provide the virtual card service.
• For Legal and Compliance Reasons: We may disclose your information to law enforcement, government agencies, or other third parties if required by law or to protect our legal rights.
• With Service Providers: We may share data with companies that provide services on our behalf, such as cloud hosting, data analytics, and customer support. These providers are contractually obligated to protect your data and use it only for the purposes we specify.

4. Data Security

We are committed to protecting your information. We implement industry-standard technical and administrative security measures to safeguard your data from loss, theft, misuse, and unauthorized access. These measures include data encryption, firewalls, and secure server facilities.

5. Your Rights and Choices

You have rights over your personal data. Depending on your region, these may include:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: You can request to correct any inaccurate or incomplete information.
• Right to Deletion: You can request that we delete your personal data, subject to our legal and regulatory retention requirements.

To exercise these rights, please contact us using the information below.

6. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child without parental consent, we will take steps to delete it.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy within the app and updating the "Last Updated" date. We encourage you to review this policy periodically.

8. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

• Email: tchindaromaric10@gmail.com
• Address: Buea