Privacy Policy

Introduction

Welcome to Egotally, a product of Viqe Systems Ltd ("we," "our," or "us"). We respect your privacy and are committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you use our mobile application and website (collectively, the "Services") and tell you about your privacy rights and how the law protects you.

This policy applies to all information collected through our Services and any related services, sales, marketing, or events.

1. Information We Collect

1.1 Personal Information You Provide

We collect personal information that you voluntarily provide to us when you register for an account, use our Services, contact us for support, or participate in surveys or promotions. This information may include:

• Account Information: Name, email address, phone number, password
• Financial Information: Bank account details (via secure third-party providers), transaction data, income and expense information
• Profile Information: Preferences, allocation rules, financial goals

1.2 Information Automatically Collected

When you use our Services, we automatically collect certain information, including:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages viewed, features used, time spent on the app, clickstream data
• Location Data: Approximate location based on IP address (with your permission)

1.3 Information from Third Parties

We may receive information from third-party services you connect to Egotally, such as:

• Bank Connection Services: Transaction data, account balances (via Mono or similar services)
• Card Authorisation: Authorisation to charge your card (via Paystack)

2. How We Use Your Information

2.1 To Provide and Maintain Our Services

• Process and track your financial transactions
• Apply your allocation rules automatically
• Generate financial reports and insights
• Sync data with your connected bank accounts

2.2 To Improve Our Services

• Analyse usage patterns to enhance user experience
• Develop new features and functionality
• Fix bugs and technical issues

2.3 To Communicate With You

• Send service notifications and updates
• Respond to your inquiries and support requests
• Send marketing communications (with your consent)
• Notify you about account activity

2.4 For Security and Fraud Prevention

• Detect and prevent fraudulent activity
• Monitor and analyse security threats
• Verify your identity

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

3.1 Service Providers

We may share your information with third-party service providers who perform services on our behalf, such as cloud hosting providers, payment processors (e.g., Paystack), bank connection services (e.g., Mono), and customer support tools.

3.2 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).

3.3 Business Transfers

If Viqe Systems Ltd or Egotally is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you before your information becomes subject to a different privacy policy.

3.4 With Your Consent

We may share your information with third parties when you give us explicit consent to do so.

4. Data Security

We implement appropriate technical and organisational measures to protect your personal information, including:

• Encryption: All data is encrypted in transit (TLS/SSL) and at rest (AES-256)
• Access Controls: Strict access controls and authentication requirements
• Regular Audits: Regular security audits and vulnerability assessments
• Secure Infrastructure: Industry-standard cloud infrastructure with multiple security layers

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal data, we cannot guarantee its absolute security.

5. Your Privacy Rights

Depending on your location, you may have the following rights regarding your personal information:

5.1 Access and Portability

You have the right to request access to the personal information we hold about you and to receive it in a portable format.

5.2 Correction

You have the right to request that we correct any inaccurate or incomplete personal information.

5.3 Deletion

You have the right to request deletion of your personal information, subject to certain exceptions.

5.4 Opt-Out

You can opt out of receiving marketing communications from us at any time by clicking the "unsubscribe" link in our emails or adjusting your notification settings in the app.

5.5 Data Retention

We retain your personal information for as long as necessary to provide our Services and comply with legal obligations. When you delete your account, we will delete your personal information within 90 days, except where we are required to retain it by law.

Additional Information

Children's Privacy

Egotally and Viqe Systems Ltd do not intend our Services for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately at [email protected].

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy.

Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last Updated" date. We encourage you to review this policy periodically.

Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

6. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

• Email: [email protected]
• Company: Viqe Systems Ltd (Operators of Egotally)
• Address: Delta State, Nigeria