ROSCA Privacy Policy

Last updated: July 23, 2026

Welcome to ROSCA (Rotation Savings and Credit Association). This privacy policy describes how we collect, use, and protect your personal information when you use our mobile application and related services.

1. Information We Collect

We collect the following information to provide and improve our services:

• Account Information: Full name, mobile phone number, email address, and PIN code for account authentication.
• Profile Information: Profile picture, preferred language, and country code.
• Financial Activity: Group membership, contribution records, payout history, and subscription payment status.
• Support Communications: Messages you send through our in-app support chat.
• Device Information: Device type, operating system version, and unique device identifiers for push notifications.
• FCM Token: Firebase Cloud Messaging token to deliver push notifications to your device.

2. How We Use Your Information

• To provide and maintain the ROSCA savings group platform
• To process group contributions, payouts, and subscription payments
• To send you notifications about group activities, contributions, and payouts
• To provide customer support through our in-app chat
• To improve and optimize the application
• To detect and prevent fraud or unauthorized access

3. Information Sharing

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

• Within Groups: Your name and phone number are visible to other members of groups you belong to, as well as group administrators.
• Payment Processing: Payment verification data is processed through Google Play Store and Apple App Store. We do not store credit card information.
• Legal Requirements: We may disclose information if required by law or to protect our rights and safety.

4. Data Security

We implement industry-standard security measures to protect your personal information, including encryption of data in transit (HTTPS), secure password hashing, and access controls. However, no method of transmission over the Internet is 100% secure.

5. Data Retention

We retain your personal information for as long as your account is active. Messages and notifications are automatically deleted after 30 days. You may request account deletion by contacting us through the in-app support chat.

6. Your Rights

• Access: You can view your personal information in the app profile section.
• Correction: You can update your name and email through the app settings.
• Deletion: You can request deletion of your account and data by contacting support through the app.
• Opt-out: You can disable push notifications through your device settings.

7. Children's Privacy

ROSCA is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18.

8. Third-Party Services

Our app uses the following third-party services that may collect information:

• Google Mobile Ads (AdMob): For displaying advertisements. Google Privacy Policy
• Firebase (Google): For push notifications and app analytics. Firebase Privacy
• Google Play Billing: For processing subscription payments.

9. 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 with an updated date.

10. Contact Us

If you have questions about this privacy policy, please contact us through the in-app support chat or email us at support@roscaw.com.