🔒 Privacy Policy for DiFarm Savings Group App
📱 App Version: 2.0.0
✅ GDPR & CCPA Compliant
📱 1. Information We Collect
The DiFarm Savings Group App collects and stores the following information locally on YOUR device only:
- Member Information: Names of savings group members
- Financial Data: Savings amounts, debt amounts, and payout calculations for each member
- Group Settings: Cash box amount and other group configuration data
- Audit Logs: Record of actions performed within the app (add, edit, delete operations)
- Device Information: Basic device information for app functionality (storage access for exports)
🔐 2. How Your Data Is Stored & Protected
Your privacy and data security are our top priorities:
- ✅ 100% Local Storage: All data is stored exclusively on your personal device using SQLite database
- ✅ No Cloud/External Servers: We do NOT upload, backup, or transmit any data to external servers or cloud services
- ✅ Encryption: Sensitive financial data is encrypted using AES-256 encryption
- ✅ PIN Protection: The App includes optional PIN authentication to prevent unauthorized access
- ✅ No Tracking: We do NOT use any analytics, tracking cookies, or third-party monitoring tools
🎯 3. How We Use Your Information
The information collected is used solely for:
- Calculating group shareouts and payouts based on member savings and debts
- Tracking individual member savings progress
- Generating financial reports and summaries
- Exporting data to CSV or PDF format for record-keeping (only with your explicit action)
- Creating local backups (only when you manually initiate backup)
📤 4. Data Export & Sharing
The App allows you to export data through the following features:
- PDF Export: Creates a readable report of all group financials
- CSV Export: Creates spreadsheet-compatible files
- Backup Feature: Creates encrypted database backups
Important: When you export or share files, those files leave your device's secure storage. You are responsible for how you share and protect these exported files.
🗑️ 5. Data Deletion & Your Rights
You have complete control over your data:
- Delete Individual Contacts: Remove specific members from the group at any time
- Delete All Data: Use the "Delete All Data" option in Settings to completely wipe all group information
- Uninstall the App: Uninstalling the app removes all local data from your device
- Request Data Deletion: Contact us at difarmsavings@gmail.com for assistance with data removal verification
🔧 6. Permissions We Request
The App requests the following permissions, with clear justifications:
- Storage (READ_EXTERNAL_STORAGE / WRITE_EXTERNAL_STORAGE): Required ONLY when you choose to export reports or create backups. The App does NOT access storage without your explicit action.
- Internet (INTERNET): Used ONLY to open the WhatsApp support link when you click the support button. No data is transmitted.
- Notifications (POST_NOTIFICATIONS): Used to show success/error messages during export and backup operations.
👨👩👧👦 7. Children's Privacy
The DiFarm Savings App is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.
🔄 8. Changes to This Privacy Policy
We may update this privacy policy from time to time. Any changes will be:
- Reflected with an updated "Last Updated" date at the top of this page
- Communicated through an in-app notification on the next launch after a change
- Available for review at any time within the App's Privacy Policy screen
⚖️ 9. Legal Basis for Processing (GDPR Compliance)
For users in the European Economic Area (EEA), we process your personal data under the following legal bases:
- Consent: You accept this privacy policy when using the App
- Contractual Necessity: Processing is necessary for managing the savings group
- Legitimate Interests: Improving app functionality and user experience
📞 10. Contact Information
Developer/Data Controller: Mumba Hope (DiFarm Savings Group)
📧 Email: difarmdev@gmail.com
📱 Phone/WhatsApp: +260969211942
⏱️ Response Time: We respond to all privacy-related inquiries within 48 hours
📍 Location: Chinsali, Zambia
✅ 11. Your California Privacy Rights (CCPA Compliance)
If you are a California resident, you have the right to:
- Request disclosure of what personal information we collect
- Request deletion of your personal information
- Opt-out of the sale of your personal information (Note: We do NOT sell any personal information)
- Not be discriminated against for exercising your privacy rights
To exercise these rights, please contact us at difarmdev@gmail.com.
💾 12. Data Backup & Retention
- Data Retention: Data is retained as long as the App is installed on your device
- Manual Backups: You may create manual backups; these are stored in your device's Documents folder
- Backup Responsibility: You are responsible for the security of any backup files you create
- Data Portability: You can export all your data at any time using the CSV export feature
🔗 13. Third-Party Services
The App integrates with the following third-party services:
- WhatsApp: When you click the WhatsApp support button, you leave the App and are subject to WhatsApp's privacy policy. We do not share any data with WhatsApp - it's simply a link for support communication.
- No Other Integrations: The App does NOT use Google Analytics, Facebook SDK, Crashlytics, or any other tracking/analytics services.
📋 14. Your Rights Summary
Under data protection laws, you have the following rights:
- Right to Access: Request a copy of your data
- Right to Rectification: Correct inaccurate data
- Right to Erasure: Request data deletion ("right to be forgotten")
- Right to Restrict Processing: Limit how we use your data
- Right to Data Portability: Receive your data in a structured format
- Right to Object: Object to data processing
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