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Privacy Policy

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This Privacy Policy explains how Strivespence (“Strivespence,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you use our mobile applications, websites, and related services (collectively, the “Service”). Strivespence is a personal expense and savings application. We are not a bank and we do not move money on your behalf.

By creating an account or using the Service, you agree to this Policy. If you do not agree, please do not use the Service. For questions, contact support@strivespence.com.ng.

1. Who we are

The Service is operated by Strivespence. For privacy requests, account support, and data-subject inquiries, email support@strivespence.com.ng.

2. Information we collect

We collect information you provide, information generated by your use of the Service, and limited technical information required to operate and secure the Service.

2.1 Account and profile information

  • Email address and/or username
  • Password (stored in hashed form; we do not store plaintext passwords)
  • Display name and profile details you choose to add
  • Email verification status and related one-time codes
  • Optional app PIN / lock settings you configure on your device

2.2 Financial and expense information you submit

  • Expense and income records (amounts, currencies, categories, merchants/descriptions, dates, notes)
  • Budget limits and savings goal entries you create
  • Wallet or account labels you configure in the app
  • Receipt images or photos you capture or upload for expense logging
  • Bank or statement files you choose to import (for example PDF or similar statement uploads) and extracted transaction data
  • Messages or prompts you send to the in-app AI assistant, and related responses

Important: Strivespence does not connect to your bank to move funds. Any statement or receipt content is provided by you for tracking, insights, and advice only.

2.3 Device, notifications, and usage data

  • Device identifiers used for push notifications (for example FCM tokens), platform type, and approximate last-seen activity
  • Notification preferences (email and/or push) and reminder settings
  • Basic diagnostic and operational logs (for example app errors, request timestamps, IP address as processed by our servers or hosting providers) to keep the Service reliable and secure
  • Approximate usage signals needed for features such as insights, budgets, and activity history

2.4 Information we do not intentionally collect

  • We do not sell your personal information.
  • We do not require precise continuous location data to use core expense features.
  • We do not ask for government ID numbers solely to create a consumer expense account, unless required later by a specific feature and disclosed at that time.

3. How we use information

We use information to:

  • Create and authenticate your account, and verify your email
  • Provide expense tracking, budgets, goals, insights, imports, and related product features
  • Extract amounts and details from receipts or statements you upload
  • Power the AI assistant and personalized advice based on your Strivespence data
  • Send service emails and optional push notifications (alerts, reminders, security notices)
  • Respond to support requests and improve reliability
  • Detect, prevent, and investigate fraud, abuse, or security incidents
  • Comply with applicable law and enforce our terms

4. Legal bases

Depending on your location, we process personal data under one or more of the following bases:

  • Contract: to provide the Service you request
  • Legitimate interests: to secure, maintain, and improve the Service in ways that do not override your rights
  • Consent: where required (for example certain device permissions, optional marketing, or specific AI/upload features you choose to use)
  • Legal obligation: where we must retain or disclose information to comply with law

If you are in Nigeria, we process personal data in line with the Nigeria Data Protection Act / NDPR principles of lawfulness, purpose limitation, data minimization, accuracy, storage limitation, integrity, and accountability.

5. How we share information

We share personal information only as needed to operate the Service or as required by law:

  • Service providers / processors that host infrastructure, send email, deliver push notifications, store files, or provide AI processing under contractual obligations to protect data. Examples include cloud hosting providers, email delivery providers, Firebase Cloud Messaging (or equivalent push providers), and AI model providers (currently including OpenAI) used for receipt/statement extraction and assistant features.
  • Professional advisors (legal, accounting, security) when necessary under confidentiality.
  • Legal and safety disclosures if required by court order, regulation, or to protect rights, safety, or the integrity of the Service.
  • Business transfers in connection with a merger, acquisition, financing, or sale of assets, subject to appropriate confidentiality and notice where required.

We do not sell personal information and we do not share it with third parties for their independent advertising purposes.

6. Device permissions

Depending on your device and how you use the Service, the app may request:

  • Camera / photos: to capture or select receipt images for expense logging
  • File / document access: to import statements you choose
  • Notifications: to deliver optional alerts and reminders
  • Internet / network: to sync your account with our servers
  • Alarms / background wake (Android): where needed for scheduled reminders

You can deny or revoke permissions in your device settings. Some features will not work without the related permission.

7. AI and automated processing

Certain features use automated processing and third-party AI services to:

  • Extract amount and merchant-like details from receipts
  • Parse imported statements into transactions
  • Generate insights, budget advice, and AI assistant replies based on your Strivespence data and prompts

AI outputs may be incomplete or incorrect. They are informational only and are not financial, tax, investment, or legal advice. Do not upload content you are not authorized to process. Where AI providers process data on our behalf, they may receive relevant excerpts (for example receipt images, statement content, or assistant context) solely to provide the feature you requested.

8. Retention

We retain account, expense, and related data for as long as your account remains active and as needed to provide the Service. We may retain limited records longer where required for security, dispute resolution, backups, legal compliance, or legitimate business needs, after which data is deleted or anonymized where feasible.

If you request deletion of your account, we will delete or de-identify personal data associated with the account within a reasonable period, except where retention is required by law or needed to complete pending legitimate purposes (for example fraud prevention or resolving a dispute).

9. Security

We use administrative, technical, and organizational measures designed to protect personal information, including encrypted transport (HTTPS), hashed passwords, and access controls on administrative tools. No method of transmission or storage is 100% secure. You are responsible for keeping your password and device lock credentials confidential.

10. Your rights and choices

Subject to applicable law, you may have the right to:

  • Access the personal data we hold about you
  • Correct inaccurate or incomplete data
  • Delete your account / request erasure
  • Object to or restrict certain processing
  • Withdraw consent where processing is consent-based
  • Export a copy of your data in a portable format where feasible
  • Lodge a complaint with a relevant data protection authority

To exercise these rights, email support@strivespence.com.ng from the email associated with your account (or provide enough information for us to verify your identity). You can also update many profile and preference settings directly in the app.

You may opt out of non-essential push or email notifications in-app or via unsubscribe links where provided. Essential service and security messages may still be sent.

11. Children

The Service is not directed to children under 13 (or the minimum digital consent age in your country, if higher). We do not knowingly collect personal information from children under that age. If you believe a child has provided us personal information, contact support@strivespence.com.ng and we will take appropriate steps to delete it.

12. International transfers

We may process and store information in Nigeria and in other countries where our service providers operate (including countries that may have different data-protection laws than your home country). Where we transfer personal data internationally, we take steps designed to provide an appropriate level of protection consistent with this Policy and applicable law.

13. App Store and Google Play disclosures

Apple App Store and Google Play require developers to disclose how apps handle user data. This Policy is the public description of our practices and should be read together with the data safety / privacy nutrition labels we publish in each store listing.

In summary, the Strivespence app may collect:

  • Contact info (email / account identifiers)
  • User content (expenses, notes, receipts, statements, assistant messages)
  • Identifiers (account and push device tokens)
  • Diagnostics / usage data for reliability and security

Data is used for App Functionality, and may also support analytics for product improvement where described in store listings. We do not use your expense content for third-party advertising.

14. Changes to this Policy

We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the “Last updated” date. If changes are material, we will provide additional notice as required (for example in-app or by email). Continued use of the Service after an update means you accept the revised Policy, except where applicable law requires otherwise.

15. Contact us

For privacy questions, data requests, or support:

Strivespence
Email: support@strivespence.com.ng
Website: strivespence landing / product site

We aim to respond to verified requests within a reasonable time and in accordance with applicable law.