Privacy Policy

Information We Collect

We collect the following information when you use SmartMoney:

• Phone number — used to create your account and verify your identity via one-time passcode (OTP).
• Profile information — your name as displayed to other users on the platform.
• Listing data — the type (buy/sell), amount, neighborhood, and any notes you include when creating a listing.
• Transaction history — records of your completed exchanges, offers made and received, and credit top-up activity.
• Device information — device model, operating system version, and app version for troubleshooting and service improvement.

How We Use Your Information

We use the information we collect to:

• Verify your identity and authenticate your account via OTP.
• Display your name and rating to other users so they can make informed exchange decisions.
• Facilitate the matching of buyers and sellers by displaying your listings on the marketplace.
• Process credit top-ups and deduct service fees when offers are accepted.
• Provide you with a history of your transactions and exchange activity.
• Improve the app's performance, fix issues, and develop new features.
• Communicate important updates about your account or the service.

Phone Number Sharing

Outside of this specific scenario, your phone number is not displayed anywhere in the app and is not shared with any third party.

Payments and Financial Data

SmartMoney does not process currency exchange payments. All SLSH exchanges happen directly between users, off-platform and in person. SmartMoney's role is limited to connecting buyers and sellers.

Credit top-ups are processed through third-party mobile money providers (Zaad and eDahab). SmartMoney does not store your mobile money PIN, account balance, or payment credentials. We only record the transaction result (success or failure) and the credit amount added to your SmartMoney balance.

Data Storage and Security

Your data is stored on secure servers with encryption in transit and at rest. We implement industry-standard security measures to protect your personal information from unauthorized access, alteration, or disclosure.

Your authentication token is stored locally on your device. If you log out, all local session data is cleared.

Data Retention

We retain your account information and transaction history for as long as your account is active. If you request account deletion, we will remove your personal data within 30 days, except where we are required to retain certain records for legal or regulatory purposes.

Third-Party Services

SmartMoney may use the following third-party services:

• Mobile money providers (Zaad, eDahab) — to process credit top-up payments.
• Analytics services — to understand app usage patterns and improve the service. These services may collect anonymized usage data.

We do not sell, rent, or trade your personal information to any third party for marketing or advertising purposes.

Your Rights

You have the right to:

• Access your personal data stored by SmartMoney.
• Correct inaccurate information in your profile.
• Delete your account and associated personal data.
• Withdraw consent at any time by discontinuing use of the app.

To exercise any of these rights, contact us using the information provided below.

Children's Privacy

SmartMoney is not intended for use by anyone under the age of 18. We do not knowingly collect personal information from children. If we become aware that a user is under 18, we will take steps to remove their account and data promptly.

Changes to This Policy

We may update this Privacy Policy from time to time. When we make significant changes, we will notify you through the app or via other appropriate channels. The "Effective" date at the top of this page indicates when the policy was last revised. Continued use of SmartMoney after changes are posted constitutes acceptance of the updated policy.