1. Introduction

Finduy ("we," "our," or "us") is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your information when you use our mobile application and services ("Platform"). By accessing Finduy, you agree to this Privacy Policy.

2. Information We Collect

We collect information to provide better services to our users. The types of information we collect include:

2.1 Personal Information

When you create an account or use our services, you provide us with personal information that includes:

• Account Data: Name, email, phone number, profile photo
• Vendor Details: Business name, location, license numbers (if applicable)
• KYC Verification Data: Government-issued ID (Ghana Card, Passport, or Driver's License), liveness check photos, and verification results
• Payment Data: Mobile money details (for vendors to receive payments and users to receive referral rewards), card details (processed securely via third-party providers)

2.2 Usage Data

• Location (for proximity-based listings and delivery tracking)
• Search history and interactions (e.g., clicks, chats)
• Device information (OS, IP address)
• Order and delivery history
• Referral activity and rewards earned

2.3 User-Generated Content

• Product/service listings
• Reviews and ratings
• Chat messages with vendors/customers
• Delivery addresses and instructions

3. How We Use Your Data

We use the information we collect to provide, maintain, and improve our services. Specifically, we use your information to:

• Provide Services: Display nearby vendors, enable chats, process payments, facilitate order and delivery operations
• KYC Verification: Verify user identity through government-issued documents and liveness checks to enhance platform security and trust
• Payment Processing: Facilitate payment-on-delivery transactions for vendors and distribute referral rewards to users
• Improve Platform: Analyze usage trends, optimize search results
• Personalization: Recommend relevant products/services
• Communications: Send order updates, delivery notifications, security alerts, promotions (opt-out available)
• Legal Compliance: Fraud prevention, tax obligations, identity verification
• Referral Program: Track valid referrals and process reward payments to users' provided payment details

4. Data Sharing

We only share data with:

• Vendors/Customers: Necessary for transactions (e.g., delivery address to vendors, vendor payment details for order processing)
• Service Providers: Payment processors, cloud hosting, identity verification services (under strict contracts)
• Delivery Personnel: Only the information necessary to complete deliveries (name, delivery address, contact number)
• Legal Authorities: If required by law or for fraud prevention

We never sell your data to third parties. KYC documents and liveness check data are used solely for verification purposes and are stored securely with restricted access.

5. Data Security

• End-to-end encryption for sensitive data (SSL/TLS)
• Secure storage of KYC documents with access controls
• Regular security audits and vulnerability assessments
• Limited employee access to sensitive information
• Secure payment processing through certified providers
• Automatic deletion of liveness check photos after verification completion

6. Your Rights

You have certain rights regarding your personal information, including:

• Access, correct, or delete your data
• Request deletion of KYC documents after account closure (subject to legal retention requirements)
• Opt out of marketing emails
• Disable location tracking (via device settings)
• Request data portability
• Withdraw consent for KYC verification (may limit access to certain platform features)

Contact support@finduy.com to exercise these rights.

7. Children's Privacy

Finduy is not intended for users under 18 years. We do not knowingly collect their data.

8. KYC and Identity Verification

To enhance platform security and enable certain features, we require identity verification through our KYC process:

• Document Collection: We collect images of government-issued IDs (Ghana Card, Passport, or Driver's License)
• Liveness Check: We capture real-time photos to verify that the person submitting the ID is its legitimate holder
• Verification Process: Our system compares the ID photo with the liveness check photo to confirm identity
• Data Retention: KYC documents are retained as required by law and for security purposes. Liveness check photos are automatically deleted after successful verification
• Usage: KYC data is used solely for identity verification, fraud prevention, and compliance with regulatory requirements

9. Payments and Transactions

Our platform facilitates secure transactions through the following mechanisms:

• Vendor Payments: Vendors provide Mobile Money (MoMo) details to receive payments for orders delivered
• Payment on Delivery: All transactions are payment-on-delivery only to ensure security and trust
• Referral Rewards: Users provide payment details to receive rewards for valid referrals
• Data Protection: Payment details are encrypted and stored securely. We do not store full payment credential information
• Third-party Processors: All payments are processed through certified payment service providers with their own privacy policies

10. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations:

• Account data: Retained while your account is active and for a reasonable period thereafter
• KYC documents: Retained as required by anti-fraud regulations and financial compliance laws
• Transaction records: Retained for tax and accounting purposes as required by law
• Chat messages: Retained for 30 days after order completion for dispute resolution
• Liveness check photos: Deleted immediately after successful verification