Privacy Policy

1. Introduction

Welcome to Kuditrak! Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you use our mobile application and website.

2. Information We Collect

We collect the following types of information:

• Personal Information: Name, email address, phone number, and other details you provide.
• Financial Data: Transaction history, budget details, and linked account information.
• Device Information: IP address, browser type, and device identifiers.
• Usage Data: How you interact with our app, including logs and analytics.

3. How We Use Your Information

We use your information for the following purposes:

• To provide and improve Kuditrak services.
• To manage your budgets and financial tracking.
• To comply with legal and regulatory requirements.
• To communicate updates, security alerts, and customer support responses.

4. Open Banking and Third-Party Integration

We use Mono Technologies as our trusted open banking partner to enable you to securely link your Nigerian bank accounts.
Key Points:
● We never store your banking credentials (e.g. username/password, PIN).
● Mono provides read-only access to your account and transaction data after you authorize access.
● All banking data is encrypted and shared only with your explicit consent.
● You may revoke access at any time via the app or directly through Mono.

5. Data Sharing & Third-Party Services

We do not sell your data. We only share limited data with third parties for the following purposes:

6. Data Protection & Security

We use SSL encryption, token-based authentication, and secure storage practices to protect your data. Despite this, no method of internet transmission is 100% secure, so we advise users to safeguard their account credentials and devices.

7. Your Rights & Choices

You have the right to:

• Access, update, or delete your personal data.
• Opt-out of marketing communications.
• Request data portability where applicable.

8. Compliance & Regulations

Kuditrak complies with applicable data protection laws, including:

• GDPR (General Data Protection Regulation) for European users.
• CCPA (California Consumer Privacy Act) for California residents.
• NDPR (Nigeria Data Protection Regulation) for Nigerian users.

9. Children's Privacy

Kuditrak is not intended for children under 13. We do not knowingly collect personal data from minors.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be communicated through the app or our website.