Privacy Policy

1. Introduction

At Ecofamilies, we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application (the “App”) and associated web platform. Please read this policy carefully. If you do not agree with its terms, please do not use the App or Platform.

1.1. International Operation and Regional Variations

Ecofamilies operates globally. Because privacy laws, financial infrastructures, and regulatory frameworks differ significantly by country, region, and state, certain provisions of this Privacy Policy may be modified or supplemented by region-specific laws. We state from the outset that our data collection adapts to support both international card-linked tracking and local regional alternative payment methods.

2. Information We Collect

We collect only the information necessary to link your payment accounts, verify your instant point-of-sale discounts, and process platform service charges:

• Personal Data: Name, email address, phone number, and account credentials.
• Linked Financial Data:
  • International Cards: For users linking Visa, Mastercard, or similar networks, we do not store full primary account numbers (PANs) or CVVs. Card-linking tokenization is handled securely by our PCI-DSS-compliant third-party partners.
  • Local E-Payments: If you utilize regional e-payment platforms or local wallet APIs, we collect authorized digital tokens or identifiers required to interface with that local system.
  • Manual Payments: If paying via cash agents or bank transfers, we may collect bank account details, reference numbers, or transaction receipts uploaded by you to verify payment.
• Transaction Data: Purchase history, merchant names, order amounts, and transaction timestamps. This data is used solely to verify your eligible instant discounts at the point of sale.
• Technical and Usage Data: IP address, device ID, operating system, and interaction data within the App.
• Location Data: Precise or imprecise location data, if you grant permission, to display nearby real-time discount offers.

3. How We Use Your Information

We use your data strictly to facilitate immediate discount validation and platform administration. Specifically, we use it to:

• Create, maintain, and secure your user account.
• Verify transactions with affiliate merchants in real-time to trigger instant point-of-sale discounts.
• Process authorized platform service charges and billing directly through your linked payment methods or via local alternative payment channels.
• Detect, investigate, and prevent fraudulent transactions, billing failures, or abusive behavior.
• Send you immediate transaction receipts, account alerts, billing confirmations, and authorized marketing communications.
• Comply with local and international legal, financial, and tax obligations.

4. Data Sharing and Disclosure

We do not sell your personal data. We only share information to execute your instant discounts and process platform fees:

• Payment Partners, Card Networks, and Local Wallets: We share secure tokens with international payment networks (e.g., Visa, Mastercard) and regional e-payment platforms or API systems to match transactions and process service fees.
• Local Alternative Payment Networks and Agents: Where traditional electronic payment infrastructure is limited, we share necessary account identifiers and transactional values with regional cash-collection agents, physical payment networks, and local banks to verify your service fee payments.
• Affiliate Merchants: We share anonymous or pseudonymized transaction data with merchants to confirm that an instant discount was successfully applied.
• Cross-Border Data Transfers: Your information may be processed outside of your home country where data protection laws differ. We utilize Standard Contractual Clauses (SCCs) or local legally approved transfer mechanisms to ensure equivalent protection.

5. Data Retention

We retain your personal, billing, and transaction data only as long as your account is active, or as needed to verify historical discount matchings, manage recurring platform fees, resolve disputes, and comply with international legal frameworks.

6. Security of Your Information

We implement industry-standard technical and organizational security measures, including encryption and secure tokenization protocols via PCI-DSS compliant partners, to safeguard your financial and transaction data. While we take comprehensive precautions, no system can be guaranteed 100% secure.

7. Your Privacy Rights

Depending on your residency (e.g., GDPR in Europe, CCPA/CPRA in the US, or local regional laws), you may have the right to access, correct, or erase your data, restrict its processing, or opt-out of data sharing. Deleting your account will immediately un-link all electronic payment methods from the platform.

8. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at:

• Email: support@example.com
• Platform: Ecofamilies Global Platform & Mobile App
• Support Desk: Contact Support