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Privacy Policy

Last Updated: 4 May 2026

Cashiva ("we," "our," or "us") is committed to protecting your privacy and securing your personal and financial information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Cashiva application ("App").

By using Cashiva, you agree to the practices described in this Privacy Policy.

1. INFORMATION WE COLLECT

We collect information necessary to provide and improve our financial management services.

1.1 User Account and Profile Data

When you create an account, we collect:

  • Full Name
  • Email Address
  • Phone Number
  • Device ID (generated on installation)
  • Unique User ID

Authentication Data:

  • Password (securely handled by authentication system)
  • PIN (stored as a hashed value only — never raw)

⚠️ We never store raw PINs or biometric data.

1.2 Preferences and Settings

  • Country
  • Preferred Currency
  • Timezone
  • Financial goals and preferences
  • Alert styles and financial control levels

1.3 Financial Data

Cashiva allows you to input and manage financial data, including:

  • Income details
  • Accounts and balances
  • Expenses and transactions
  • Budgets and financial plans
  • Bills and recurring payments
  • Credit cards and loans
  • Savings goals
  • Financing plans
  • Net worth tracking

This data is used strictly to provide your financial dashboard and insights.

1.4 Usage and Technical Data

We automatically collect:

  • Device type and OS
  • IP address
  • App activity and interactions
  • Errors and crash reports
  • Feature usage (aggregated analytics)

1.5 Notifications Data

  • Push notification tokens for delivering alerts and reminders

1.6 Payment Data

Payments are securely processed by Stripe.

We do NOT store:

  • Card numbers
  • CVV
  • Full payment details

We only receive a secure token or reference ID for subscription management.

2. HOW WE USE YOUR DATA

We use your data strictly to operate and improve Cashiva.

2.1 Core Functionality

  • Create and manage your account
  • Track income, expenses, and financial activity
  • Generate budgets and financial plans
  • Calculate net worth and financial insights
  • Manage recurring transactions and bills

2.2 Personalization

  • Provide insights and recommendations
  • Customize your dashboard
  • Enable features like SmartCart and financial forecasting

2.3 Security

  • Authenticate users (PIN, password, biometrics)
  • Prevent fraud and unauthorized access
  • Monitor suspicious activity

2.4 Communication

  • Send account updates and alerts
  • Deliver notifications and reminders
  • Provide support and onboarding guidance

2.5 Product Improvement

  • Analyze usage patterns (aggregated data)
  • Fix bugs and improve performance
  • Develop new features

2.6 Legal Compliance

  • Comply with applicable laws
  • Respond to lawful requests
  • Enforce our Terms of Service

3. DATA SECURITY

We take your security seriously and implement bank-level protections.

3.1 Encryption

  • Data in transit: TLS/SSL encryption
  • Data at rest: Encrypted securely on servers

3.2 PIN and Authentication Security

  • PINs are hashed using strong cryptographic methods (e.g., PBKDF2 with SHA-256)
  • Raw PINs are never stored or accessible
  • Biometric data is NEVER stored by Cashiva

3.3 Biometric Authentication

  • Managed entirely by your device
  • Cashiva only stores a secure reference (not biometric data)

3.4 Payment Security

  • Payment data handled by Stripe
  • Tokenized transactions
  • No sensitive card data stored by Cashiva

3.5 Access Control

We enforce strict internal controls:

  • No unrestricted employee access to user data
  • Access is:
    • Limited
    • Logged
    • Audited
    • Granted only when necessary

3.6 Automated Processing

  • Financial calculations and insights are processed by secure backend systems
  • Minimal human interaction with user data

3.7 Infrastructure Security

  • Hosted on secure cloud infrastructure
  • Regular monitoring and updates
  • Continuous security improvements

4. NO DIRECT HUMAN ACCESS POLICY

👉 No human worker has direct, unrestricted access to your personal financial data.

Any required access:

  • Is limited and monitored
  • Requires justification
  • Uses anonymized data where possible

5. DATA RETENTION

We retain your data:

  • As long as your account is active
  • As needed to provide services
  • To comply with legal obligations

You may request deletion of your data at any time.

6. YOUR RIGHTS

Depending on your location, you may have rights to:

  • Access your data
  • Correct inaccurate data
  • Delete your data
  • Restrict or object to processing

To exercise your rights, contact us.

7. THIRD-PARTY SERVICES

We only share data when necessary:

  • Payment processing (Stripe)
  • Infrastructure providers

We do NOT sell your data.

8. NOTIFICATIONS

You may receive:

  • Financial reminders
  • Alerts and insights
  • Security notifications

You can manage notification preferences in settings.

9. CHILDREN'S PRIVACY

Cashiva is not intended for users under 13. We do not knowingly collect data from children.

10. POLICY UPDATES

We may update this Privacy Policy from time to time. You will be notified of significant changes.

11. CONTACT

For questions or concerns:

⚠️ FINAL NOTE

Cashiva is built with one principle: Your financial data belongs to you and we protect it at all costs.