1. What We Collect
When you use our platform or services, we may collect the following categories of data:
- Information You Provide: Full name, phone number, email address, identification details (where required), loan details (amount, lender/borrower names, repayment terms), and any feedback or communication with us.
- Automatically Collected: Device and browser info, IP address, session activity, and cookies or similar technologies.
2. How We Use Your Data
- Create and store digital loan agreements (“micro-contracts”)
- Track repayments and balances
- Send notifications about due dates or updates
- Deliver personal finance dashboards and insights
- Improve the platform and user experience
- Fulfill legal obligations
We do not sell your data to third parties.
3. Legal Basis for Processing
We process your data based on:
- Consent – when you give us permission
- Contractual necessity – to provide services you've requested
- Legitimate interest – to improve and secure the platform
- Legal compliance – where required by law
4. Data Sharing
We may share your information with:
- Trusted service providers (e.g., cloud hosting, notification services)
- Legal or regulatory bodies if required by law
- Future partners or affiliates under strict confidentiality
We do not share your loan data with other users unless both parties have explicitly agreed.
5. Data Security & Retention
We use technical and organizational safeguards to protect your data. Your data is only retained for as long as needed to provide our services or to meet legal requirements.
6. Cookies and Tracking
We may use cookies or similar technologies to improve your experience. You can control cookies through your browser settings.
7. Your Rights
You may have rights to:
- Access, correct, or delete your data
- Withdraw consent at any time
- Object to certain types of processing
- Request data portability
To exercise your rights, contact us at: info@amaracus.org
8. Children’s Privacy
Amaracus is not intended for users under 16. We do not knowingly collect data from minors without verified parental consent.
9. Changes to This Policy
We may update this policy from time to time. If changes are significant, we will notify you via email or through the platform.
10. Contact Us
If you have questions or concerns about your data or this policy, reach out to us: