Privacy Policy for Ajo Tracker

Effective Date: March 7, 2026
Last Updated: March 7, 2026
Version: 1.0

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Introduction

Welcome to Ajo Tracker ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you use the Ajo Tracker mobile application (the "App").

By using Ajo Tracker, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

1.1 Information You Provide

When you use Ajo Tracker, you may provide the following information:

• Username: A display name you choose for your profile
• PIN: A 4-digit security PIN for app access (stored locally on your device only)
• Group Information: Names, member details, contribution amounts, and collection schedules
• Member Information: Names and phone numbers of group members
• Contribution Records: Payment amounts, dates, and round numbers
• Notes: Any optional notes you add to groups or contributions

1.2 Automatically Collected Information

We automatically collect certain technical information:

• Crash Reports: Anonymous crash logs and error reports via Firebase Crashlytics
• Analytics Data: Anonymous app usage statistics via Firebase Analytics
• Device Information: Device model, operating system version, app version
• Performance Data: App performance metrics to help us improve stability

This information is collected anonymously and does not include your personal or financial data.

1.3 Information We Do NOT Collect

We explicitly do NOT collect:

• ❌ Your real name, email address, or contact information
• ❌ Your location or GPS data
• ❌ Your financial account information
• ❌ Your group data or contribution records (stored locally only)
• ❌ Your phone contacts
• ❌ Photos, files, or media from your device

2. How We Use Your Information

2.1 Local Data Usage

The personal information you enter is used exclusively on your device for:

• Managing your Ajo groups and members
• Tracking contributions and payments
• Calculating collection schedules
• Generating contribution history
• Sending SMS reminders (only when you initiate them)

2.2 Analytics and Crash Reporting

We use Firebase Crashlytics and Analytics to:

• Identify and fix bugs: Crash reports help us understand what went wrong
• Improve app stability: Performance metrics help us optimize the app
• Understand feature usage: Anonymous analytics help us prioritize improvements
• Enhance user experience: Usage patterns help us design better features

This data is anonymous and cannot be linked back to you.

3. How We Store Your Information

3.1 Local Storage

All your personal data is stored:

• Locally on your device using SQLite database
• Encrypted with device-level encryption (iOS/Android security)
• Protected by your PIN (if enabled)
• Never uploaded to any server or cloud service

3.2 Firebase Services

Anonymous crash and analytics data is stored on Firebase servers:

• Google Firebase: Industry-standard cloud infrastructure
• Data Retention: Crash reports for 90 days, analytics for 14 months
• Anonymized: No personally identifiable information included
• Encrypted: Data encrypted in transit and at rest

4. Data Sharing and Third Parties

4.1 We Do NOT Sell Your Data

We never sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Third-Party Services

We use the following third-party services:

Firebase Crashlytics & Analytics (Google LLC)

• Purpose: Crash reporting and anonymous analytics
• Data Shared: Anonymous crash logs, device info, app usage patterns
• Privacy Policy: Firebase Privacy Policy

5. Your Rights and Choices

5.1 Data Control

You have full control over your data:

• Access: All your data is accessible within the app
• Export: You can export your data (feature coming soon)
• Delete: You can delete individual items or clear all data
• Modify: You can edit any information at any time

5.2 Biometric Data

If you enable biometric unlock:

• Biometric data is never collected by the app
• Authentication is handled by your device's operating system
• Your biometric data never leaves your device

6. Security

Your data is protected by:

• Local storage: Data never leaves your device
• Device encryption: Built-in iOS/Android encryption
• PIN protection: Optional 4-digit PIN lock
• Biometric lock: Optional Face ID/Touch ID/Fingerprint
• HTTPS encryption: All communications with Firebase are encrypted

7. Children's Privacy

Ajo Tracker is not intended for users under the age of 13 (or 16 in the EU). We do not knowingly collect information from children.

8. International Users

Ajo Tracker is developed in Nigeria and designed primarily for Nigerian users, but can be used worldwide.

• Data Storage: Your personal data is stored locally on your device
• Firebase Servers: Anonymous analytics may be processed on Google servers globally
• GDPR Compliance: We respect EU data protection rights
• CCPA Compliance: We respect California privacy rights

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Changes will be posted in the app and on our website.

Last Updated: March 7, 2026

10. Contact Us

11. Consent

By using Ajo Tracker, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

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Ajo Tracker - Your privacy is our priority. 🔒
Version 1.0 | Last Updated: March 7, 2026