Privacy Policy
How My Savings Companion collects, uses, and protects information for savings-group members, group leaders, and administrators.
Effective date: September 15, 2026 · Last updated: September 15, 2026
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1 Who we are
My Savings Companion is developed and operated by Inclusive Digital Solutions ("we", "us", "our"). The app helps community savings groups (VSLAs / Mukando groups) and their members record meetings, savings contributions, loans, loan repayments, and other group funds — either through the mobile app or through the group administrator's web portal.
This policy applies to the My Savings Companion mobile app (package
net.inclusivedigital.mysavingscompanion) and its companion administrator portal.
2 Information we collect
We collect only what is needed to run a savings group's records accurately. This includes:
| Category | Examples |
|---|---|
| Account & profile information | Full name, phone number, email address, PIN/password (stored as a secure hash, never in plain text), role (member, group leader, facilitator), and the group(s) you belong to. |
| Group & financial records | Savings contributions, loan applications and repayments, meeting attendance, penalties/fines, other-fund entries, expenses, and cycle/meeting history entered by you or your group's leadership. |
| Photos & documents | Profile pictures or receipt/record photos you choose to attach, if your group uses that feature. |
| Location | Approximate or precise location, only when you choose to record a group's meeting location — never tracked in the background. |
| Device & usage information | Device type, OS version, app version, and basic connectivity status — used only to keep the app working correctly (e.g. syncing when you're back online) and to diagnose crashes. |
We do not collect data unrelated to running your savings group — no browsing history, no contacts list, no messages, and no data from other apps on your device.
3 Device permissions & why we ask for them
| Permission | Why the app requests it |
|---|---|
| Internet / network state | To sync your group's records with the server so leaders and members see consistent, up-to-date data. |
| Camera | To let you take a profile photo or photograph a receipt/record when adding an entry, if you choose to. |
| Photos, media & storage | To attach an existing photo from your device, and to save reports (e.g. PDF statements) you generate in the app. |
| Location (approximate/precise) | Only used when recording where a meeting took place. The app does not track your location in the background or outside of that action. |
You can decline any permission; the corresponding feature (e.g. attaching a photo) simply won't be available, and the rest of the app continues to work normally.
4 How we use your information
- To create and maintain your account, and to authenticate you when you sign in.
- To record and reconcile your group's savings, loans, and meeting activity accurately.
- To generate reports and statements (e.g. loan schedules, savings summaries) for you and your group's leadership.
- To keep the mobile app's offline records in sync with the server once you're back online.
- To communicate service-related information, such as account or security notices.
- To detect, investigate, and prevent fraud, abuse, or technical issues.
We do not use your information for advertising, and we do not sell your information to anyone.
5 Sharing & disclosure
Because this app is built around shared group record-keeping, some information is necessarily visible within your own group:
- Within your group: your group's leadership (treasurer/secretary/chairperson) can see the financial records tied to your membership, since that is the purpose of the record-keeping app.
- Within your organization: if your group is part of a facilitating organization or program, authorized staff of that organization may access aggregated or individual group records for oversight and reporting.
- Service providers: we use trusted infrastructure providers (such as our hosting and database providers) strictly to operate the service — they do not use your data for their own purposes.
- Legal requirements: we may disclose information if required to do so by law, or to protect the rights, property, or safety of our users or the public.
We do not share your personal or financial information with advertisers, data brokers, or unrelated third parties.
6 Storage & security
Your data is stored on secured servers, with passwords/PINs stored as salted hashes rather than plain text, and authenticated access enforced for every account. Communication between the app and our servers is encrypted in transit (HTTPS). While no system can guarantee absolute security, we take reasonable technical and organizational measures to protect your information from unauthorized access, alteration, or loss.
7 Data retention
We retain group and financial records for as long as your group's account remains active, since these records form your group's official savings/loan history. If you or your group's leadership request deletion of an account, we will remove or anonymize personal information that is no longer needed, except where we are required to keep records (e.g. for financial audit or legal purposes) for a longer period.
8 Your rights & choices
- Access & correction: you can review and update your profile information in the app, or ask your group leader/administrator to correct a record on your behalf.
- Deletion: you may request deletion of your account by contacting us (see below); some financial records may be retained where required for your group's audit trail.
- Permission controls: you can grant or revoke camera, storage, and location permissions at any time from your device settings.
9 Offline & local storage
My Savings Companion is designed to work in areas with limited connectivity. Entries you record while offline are stored securely on your device and automatically synced to the server once you reconnect. This local copy is only accessible through the app and is protected by your device's own security (PIN/biometric lock, if enabled).
10 Children's privacy
My Savings Companion is intended for adult members of community savings groups and is not directed at children. We do not knowingly collect personal information from children under 13 (or the minimum age required in your country). If you believe a child has provided us with personal information, please contact us and we will remove it.
11 Third-party services
The app does not integrate third-party advertising or analytics SDKs. Standard platform services (such as Google Play Services on Android) may process limited technical data as part of normal app distribution and operation, governed by their own privacy policies.
12 Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in the app or in legal requirements. We will update the "Last updated" date above when we do, and significant changes will be communicated within the app where appropriate.
13 Contact us
If you have questions about this Privacy Policy or how your information is handled, reach out to us: