Personal Identification Data

We collect necessary personal information required for secure operation:

• Account Information: Name, verified email address, phone number, profile picture
• Authentication Data: Encrypted passwords, two-factor authentication codes, biometric data (stored locally)
• Device Information: Device type, operating system, unique identifiers, and IP address for security

Financial Management Data

Core financial information for platform functionality:

• Personal Finance: Transactions, budgets, financial goals, subscriptions, loans, and analytics data
• Wallet Management: Multiple wallet information, balances, and transaction history
• Business Finance: Business transactions, products, customers, orders, and financial reports
• Group Finance: Shared expenses, group transactions, fundraising activities, and member contributions

Business & Module Data

Information related to business modules and specialized features:

• Garage Management: Vehicle information, staff data, parking payments, daily earnings, and assignments
• Car Rental: Rental agreements, vehicle fleet data, customer information, and rental analytics
• Real Estate: Property information, lease agreements, rent payments, and tenant data
• E-commerce: Product catalogs, order processing, inventory management, and sales analytics

Social & Connection Data

• Connection Data: Information about your connections and social interactions within the platform
• Group Memberships: Group participation, roles, and collaborative financial activities
• Cross-App Integration: Authentication data shared with Inqord Auth for seamless login experience

Automated Operational Data

• Usage Analytics: Platform usage patterns, feature interactions, and error logs (always anonymized)
• Security Logs: Detailed records of authentication attempts and security events
• Session Data: Login timestamps, session duration, and device fingerprints for security

Core Financial Management Functions

• Personal Finance: Track transactions, manage budgets, monitor financial goals, and generate analytics
• Multi-Wallet System: Manage multiple wallets, track balances, and facilitate transfers
• Business Management: Process business transactions, manage inventory, track sales, and generate reports
• Group Finance: Enable shared expenses, group budgeting, and collaborative financial planning

Security & Authentication

• Authentication Services: Verify your identity and grant secure access to financial data
• Cross-App Integration: Enable seamless login through Inqord Auth for enhanced user experience
• Security Monitoring: Proactively detect and mitigate unauthorized access or fraudulent activity
• Session Management: Manage active sessions across multiple devices and platforms

Business Module Operations

• Garage Management: Track vehicle assignments, manage staff payments, and monitor daily operations
• Rental Operations: Process rental agreements, manage vehicle fleet, and track rental income
• Real Estate: Manage property portfolios, process rent payments, and track lease agreements
• E-commerce: Process orders, manage inventory, and analyze sales performance

Secondary Functions

• Service Improvement: Analysis of anonymized data to enhance platform performance and stability
• Customer Support: Utilizing account details to respond to and resolve technical inquiries
• Analytics & Insights: Generate financial insights, trends, and personalized recommendations
• Compliance: Meet financial regulations and reporting requirements

Local Storage (On Device)

• Biometric Data: Stored securely within your device's protected hardware (e.g., Secure Enclave)
• Authentication Tokens: Encrypted and managed by the device's native keychain
• Offline Data: Cached financial data encrypted locally for offline access

Server Storage (Cloud Infrastructure)

• Financial Data: All financial information encrypted and stored on secure, compliant cloud servers
• Account Information: User profiles and authentication data with multiple layers of encryption
• Security Logs: Temporarily stored for continuous monitoring and compliance
• Backup Systems: Redundant encrypted backups across multiple secure locations

Security Measures

• Encryption: End-to-end encryption for data transmission and AES-256 encryption for data at rest
• Access Controls: Multi-factor authentication and role-based access controls
• Regular Audits: Continuous security monitoring and regular vulnerability assessments
• Compliance: Adherence to financial industry security standards and regulations

With Vetted Service Providers

• Cloud Infrastructure: For secure hosting and data redundancy
• Analytics Services: For anonymized usage insights (we do not share personal identifiers)
• Payment Processors: For secure transaction processing (when applicable)
• Security Services: For fraud detection and security monitoring

Cross-App Integration

• Inqord Auth: Authentication data shared with Inqord Auth for seamless cross-app login experience
• Connected Services: Data shared with explicitly connected third-party financial services (with your consent)

Access and Control

You have the following rights regarding your personal data:

• Access: Request copies of your financial and personal data
• Correction: Request amendments to inaccurate information. You can edit most information directly in the platform
• Deletion: Request the erasure of your personal data (Right to be Forgotten). You can delete your account and all associated data through the platform settings
• Portability: Obtain your financial data in a structured, commonly used format for transfer to other services
• Restriction: Request limitation of processing for specific data categories

Financial Data Control

• Transaction History: Export or delete your complete transaction history
• Business Data: Separate control over personal and business financial information
• Group Data: Leave groups and remove your data from shared financial activities
• Analytics Opt-out: Disable personalized financial insights and recommendations

Communication Preferences

• Notifications: Control financial alerts, reminders, and system notifications
• Marketing: Opt-out of promotional communications (we send very few)
• Security Alerts: Essential security notifications cannot be disabled for account protection

Inqord Auth Integration

• Purpose: Seamless cross-app authentication and user management
• Data Shared: Authentication tokens, user ID, and basic profile information
• Privacy Policy: Governed by Inqord Auth Privacy Policy

Analytics & Performance

• Purpose: Platform performance monitoring and usage analytics
• Data Processing: All analytics data is anonymized and aggregated
• No Personal Data: No personally identifiable information is shared with analytics services

Cloud Infrastructure

• Purpose: Secure hosting, data storage, and backup services
• Security: All data is encrypted in transit and at rest
• Compliance: Infrastructure providers meet financial industry security standards

European Union (GDPR)

If you are in the EU, you have additional rights under the General Data Protection Regulation:

• Legal Basis: We process your data based on legitimate interests, contract performance, or consent
• Data Protection Authority: You can file complaints with your local data protection authority
• Withdrawal of Consent: You can withdraw consent for data processing at any time

California (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act:

• Right to Know: Information about data collection and use
• Right to Delete: Request deletion of personal information
• Right to Opt-Out: Opt-out of the sale of personal information (we do not sell data)
• Non-Discrimination: We will not discriminate for exercising your rights