Privacy Policy

1. Information We Collect

Personal Information

We collect information that you provide directly to us, including:

• Account Information: Name, email address, phone number, and school affiliation
• Student Information: Student ID, grade level, and parent/guardian contact details
• Payment Information: Transaction history, payment methods, and account balances
• Usage Data: App usage patterns, login times, and feature interactions

Automatically Collected Information

We automatically collect certain information when you use our services:

• Device Information: Device type, operating system, and unique device identifiers
• Log Data: IP address, browser type, and access times
• Location Data: General location information for security and fraud prevention

2. How We Use Your Information

We use the collected information for the following purposes:

• Service Provision: To provide and maintain our payment platform services
• Account Management: To create and manage user accounts and permissions
• Transaction Processing: To process payments and maintain transaction records
• Security: To protect against fraud, abuse, and unauthorized access
• Communication: To send important updates, notifications, and support messages
• Improvement: To analyze usage patterns and improve our services
• Compliance: To comply with legal obligations and regulatory requirements

3. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

• With Your Consent: When you explicitly authorize us to share your information
• Service Providers: With trusted third-party service providers who assist in operating our platform
• School Administrators: With authorized school personnel for administrative purposes
• Legal Requirements: When required by law, court order, or government request
• Safety and Security: To protect the safety and security of our users and platform

4. Data Security

We implement comprehensive security measures to protect your information:

• Encryption: All data is encrypted using industry-standard protocols (AES-256)
• Secure Infrastructure: Our servers are protected with advanced security measures
• Access Controls: Strict access controls and authentication requirements
• Regular Audits: Regular security assessments and vulnerability testing
• Employee Training: Ongoing security training for all employees

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

• Active Accounts: Information is retained while your account is active
• Transaction Records: Financial records are retained for 7 years for tax and audit purposes
• Deactivated Accounts: Data may be retained for up to 2 years after account deactivation
• Legal Requirements: Some information may be retained longer if required by law

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Portability: Request a copy of your data in a portable format
• Opt-out: Opt out of certain communications and data processing
• Complaints: File complaints with relevant data protection authorities

7. Children's Privacy

Our platform is designed for use in educational settings with appropriate safeguards:

• Parental Consent: We require parental consent for students under 13 years old
• School Authorization: Student accounts are created with school authorization
• Limited Data Collection: We collect only necessary information for educational purposes
• Parental Controls: Parents have access to monitor and control their child's account

8. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for such transfers, including:

• Standard contractual clauses approved by data protection authorities
• Adequacy decisions by relevant authorities
• Other appropriate safeguards as required by applicable law

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notifications to registered users
• Displaying in-app notifications

Your continued use of our services after such changes constitutes acceptance of the updated policy.

10. Contact Information