Privacy Policy

1. Information We Collect

We collect only the information necessary to provide and improve our Service.

a. Personal Information

When you create an account or use Sharetek, we may collect:

• Full name
• Email address
• Phone number
• Username or profile information
• Any information you voluntarily provide when contacting support

b. Contribution & Usage Data

To enable thrift collections and bill splitting, we collect and store:

• Group names and members
• Contribution amounts and schedules
• Bill records and contribution status
• Transaction references for tracking purposes only

c. Technical Information

We may automatically collect:

• Device type and operating system
• App usage data
• IP address
• Log and diagnostic data

2. How We Use Your Information

We use your information to:

• Create and manage user accounts
• Track thrift contributions and bill splitting records
• Display contribution status and history
• Communicate important updates or notifications
• Provide customer support
• Improve app functionality, performance, and security
• Comply with legal obligations

We do not sell or rent your personal data to third parties.

3. Payments Disclaimer

• Sharetek does not handle payments directly.
• We do not collect debit card details, bank account information, or payment credentials.
• Any transfer of money occurs outside the Sharetek platform using third-party services chosen by users.
• Sharetek only records contribution amounts and statuses for organizational and tracking purposes.

4. Data Sharing and Disclosure

We may share your information only in the following circumstances:

• With trusted service providers who help us operate the app (e.g., hosting or analytics), under strict confidentiality agreements
• When required by law, regulation, or legal process
• To protect the rights, safety, or property of Sharetek, our users, or others

5. Data Storage and Security

We take reasonable technical and organizational measures to protect your data, including:

• Secure servers
• Access controls
• Data encryption where applicable

However, no method of electronic storage or transmission is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information only for as long as:

• Your account remains active, or
• It is necessary to provide our services or comply with legal obligations

You may request deletion of your account and data at any time (see Section 8).

7. Your Rights

As a user in Nigeria, you have the right to:

• Access your personal data
• Request correction of inaccurate information
• Request deletion of your data
• Withdraw consent where applicable
• Object to certain data processing activities

Requests can be made by contacting us using the details below.

8. Account Deletion

You may delete your account by:

• Using in-app account deletion features (if available), or
• Contacting us directly at the email provided below

Upon deletion, your personal data will be removed unless retention is required by law.

9. Children’s Privacy

Sharetek is not intended for users under the age of 18. We do not knowingly collect personal data from minors. If we become aware that such data has been collected, we will delete it promptly.

10. Third-Party Links

Our Service may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page, and the “Last Updated” date will be revised accordingly. Continued use of Sharetek after updates constitutes acceptance of the revised policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your data, please contact us: