Privacy Policy — Financial Circle

Effective date: July 27, 2026 Operator: my6tech (Abdoul Diallo) ("we", "us", "our") Contact: diallomytech@gmail.com

Financial Circle ("the App") is a coordination and record-keeping tool for informal rotating savings groups ("circles" — also known as tandas, susus, or ROSCAs). This policy explains what we collect, why, and your choices.

1. Information we collect

You provide:

• Account info: email address, password (stored only as a salted hash by our authentication provider), and full name.
• Profile: a profile photo you choose or capture, and your role (organizer or member).
• Circle data: circle names, contribution amounts, schedules, membership, payout order, and per-cycle "paid / unpaid" status.
• Payment handles (organizers): your Cash App $cashtag, Zelle email or phone number, and any Zelle QR image you upload — shown to your circle members so they can pay you.
• Payment proof (optional): screenshots you attach to report a contribution.

Collected automatically:

• Push token (if you enable notifications) and language/locale preference.
• Basic technical/diagnostic data from the app platform.

We do NOT collect or store payment card numbers or bank credentials. Money moves directly between members through third-party apps (Zelle, Cash App); we never see or process those transfers.

2. How we use information

• Operate your account and circles, track contributions, and send reminders.
• Show organizers' payment handles to their circle members to facilitate payment.
• Provide, secure, debug, and improve the App.
• Comply with legal obligations.

3. How information is shared

• With your circle: your name, photo, role, and payment status are visible to other members of circles you belong to. Organizer payment handles/QR are visible to that organizer's members.
• Service providers (processors):
  • Supabase — hosting, authentication, database, and file storage.
  • Expo — push notification delivery.
  • Apple / Google — push notification infrastructure.
  • Sentry — crash and error diagnostics.
• Legal: when required by law or to protect rights and safety.
• We do not sell your personal information.

4. Image storage

Profile photos, payment-proof images, and payout QR images you upload are stored with our hosting provider. As a precaution, do not upload images containing information you consider highly sensitive (e.g., full bank statements or card numbers).

5. Data retention

We keep your information while your account is active. You may request deletion of your account and associated data at diallomytech@gmail.com; we will delete or anonymize it except where retention is required by law.

6. Your rights

Depending on where you live (e.g., GDPR/EEA, UK, California/CPRA), you may have the right to access, correct, delete, or export your data, and to object to certain processing. Contact diallomytech@gmail.com to exercise these rights.

7. Security

Data is encrypted in transit (HTTPS/TLS). Database access is restricted with row-level security so users can only read data for their own circles. No system is perfectly secure; use a strong, unique password.

8. Children

The App is not directed to, and may not be used by, anyone under 18 (or the age of majority in your jurisdiction).

9. International transfers

Your information may be processed in countries other than yours, including where our providers operate. We rely on appropriate safeguards where required.

10. Changes

We may update this policy; material changes will be notified in-app or by email.

11. Contact

my6tech (Abdoul Diallo), 6306 Leonard Street, Philadelphia, PA 19149, USA — diallomytech@gmail.com