Privacy Policy

1. Introduction

Welcome to Fintrazo. We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website or use our services and tell you about your privacy rights and how the law protects you.

Fintrazo ("we", "us", or "our") operates a multi-store management platform for retail businesses. This policy applies to all users of our web platform, mobile applications (iOS and Android), and related services.

2. Information We Collect

We collect several different types of information for various purposes to provide and improve our service to you.

2.1 Personal Information

• Account Information: Name, email address, phone number, business name, and password
• Business Information: Store names, addresses, employee details, and business tax identification numbers
• Payment Information: Credit card details, billing address (processed securely through our payment processors)
• Profile Information: Profile pictures, preferences, and settings

2.2 Usage Data

• Information about how you use our platform, including features accessed, pages viewed, and time spent
• Device information including IP address, browser type, operating system, and device identifiers
• Location data (with your permission) for store management features
• Log data including access times, pages viewed, and app crashes

2.3 Business Data

• Financial records: Cash flow, transactions, sales data, expenses
• Inventory data: Product information, stock levels, pricing
• Employee data: Work hours, performance metrics, shift schedules
• Transaction data: Card transactions, EBT records, ATM operations, lottery sales
• Reports and analytics data generated through the platform

3. How We Use Your Information

We use the collected data for various purposes:

• Service Delivery: To provide, maintain, and improve our multi-store management platform
• Account Management: To manage your account and provide customer support
• Analytics: To generate reports, insights, and analytics about your business operations
• Communication: To send you updates, newsletters, marketing materials, and important notices
• Security: To detect, prevent, and address technical issues and fraudulent activities
• Compliance: To comply with legal obligations and protect our legal rights
• Improvement: To analyze usage patterns and improve our services

4. Data Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

4.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as:

• Cloud hosting providers (for data storage)
• Payment processors (for handling transactions)
• Analytics providers (for usage analysis)
• Customer support tools
• Email service providers

4.2 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).

4.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred. We will provide notice before your information is transferred and becomes subject to a different privacy policy.

4.4 With Your Consent

We may share your information with third parties when we have your explicit consent to do so.

5. Data Security

We implement robust security measures to protect your data:

• Encryption: All data is encrypted in transit (SSL/TLS) and at rest
• Access Controls: Strict access controls and authentication mechanisms
• Regular Audits: Regular security audits and vulnerability assessments
• Secure Infrastructure: Enterprise-grade cloud infrastructure with 99.9% uptime
• Employee Training: Regular security training for all employees
• Incident Response: Comprehensive incident response procedures

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this privacy policy, unless a longer retention period is required or permitted by law.

• Active Accounts: Data is retained while your account is active
• Deleted Accounts: After account deletion, we retain certain data for 90 days for recovery purposes, then permanently delete it
• Business Records: Financial and transaction data may be retained longer to comply with tax and accounting regulations
• Legal Requirements: Some data may be retained to comply with legal obligations

7. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal data:

• Access: Request access to your personal data
• Correction: Request correction of inaccurate or incomplete data
• Deletion: Request deletion of your personal data
• Portability: Request a copy of your data in a structured, machine-readable format
• Restriction: Request restriction of processing your personal data
• Objection: Object to processing of your personal data
• Withdraw Consent: Withdraw consent where we relied on consent to process your data

To exercise these rights, please contact us using the information provided at the end of this policy.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our service and hold certain information.

Types of Cookies We Use:

• Essential Cookies: Required for the platform to function properly
• Performance Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Remember your preferences and settings
• Targeting Cookies: Track your browsing habits to show relevant advertisements

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

9. Third-Party Links

Our service may contain links to third-party websites or services that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

10. Children's Privacy

Our service is not intended for use by children under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.

11. International Data Transfers

Your information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where data protection laws may differ from those in your jurisdiction.

If you are located outside the United States and choose to provide information to us, please note that we transfer the data to the United States and process it there. Your consent to this privacy policy followed by your submission of such information represents your agreement to that transfer.

12. California Privacy Rights (CCPA)

If you are a California resident, you have specific rights regarding your personal information:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of sale of personal information (we do not sell your data)
• Right to non-discrimination for exercising CCPA rights

13. GDPR Compliance (EU Users)

If you are located in the European Economic Area (EEA), we process your personal data based on the following legal grounds:

• Contract: Processing is necessary to provide our services to you
• Consent: You have given clear consent for processing
• Legitimate Interests: Processing is in our legitimate interests and not overridden by your rights
• Legal Obligation: Processing is necessary to comply with the law

14. Changes to This Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by:

• Posting the new privacy policy on this page
• Updating the "Last Updated" date at the top of this policy
• Sending you an email notification (for significant changes)
• Displaying a prominent notice on our platform

You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

By using Fintrazo, you acknowledge that you have read and understood this privacy policy.