Privacy Policy

Effective Date: 15 January 2026

Kudiwise (“we”, “us”, “our”) is a fintech mobile application designed to help individuals understand, manage, and improve their financial well-being. This Privacy Policy explains how we collect, use, store, share, and protect your personal data when you use the Kudiwise mobile app or visit https://kudiwise.com.

We are committed to protecting your privacy and complying with applicable data protection laws, including the Nigeria Data Protection Act (NDPA 2023) and the General Data Protection Regulation (GDPR) where applicable.

1. Information We Collect

a. Information You Provide Directly

We collect information you voluntarily provide, including:

• Full name or nickname
• Email address
• Account login credentials
• Income and expense records
• Transaction descriptions and categories
• Financial reminders and notes
• Currency preferences
• Feedback or support messages

b. Financial & Transaction Data

Depending on how you use Kudiwise, we may process:

• Manually entered transactions
• Bank-linked transaction data (via secure third-party providers)
• Recurring transaction rules
• Exported financial statements

Important: We do not store your bank login credentials. Bank integrations are handled via regulated third-party providers.

c. AI-Related Data

When you use the AI Financial Coach, we process:

• Financial summaries derived from your data
• User prompts or questions
• AI-generated insights and recommendations

AI outputs are generated based on patterns and do not constitute professional financial advice.

d. Automatically Collected Information

We automatically collect certain technical and usage data:

• Device type, OS version, and app version
• IP address and general location (country/region)
• App usage activity and interaction logs
• Crash reports and performance data

e. Mobile App Permissions

With your consent, we may access:

• Push notification permissions (for reminders)
• Local storage (for offline functionality)
• Network access (for syncing and backups)

2. How We Use Your Information

We use your data to:

• Provide core app functionality
• Track income, expenses, and financial activity
• Generate financial insights and visualisations
• Deliver AI-powered financial guidance
• Sync data across devices
• Send reminders and notifications
• Improve product performance and user experience
• Comply with legal and regulatory obligations

3. AI Processing & Limitations

Kudiwise uses AI to provide insights and coaching based on your financial data.

Please note:

• AI outputs are informational only
• They may not always be accurate or complete
• You are responsible for reviewing and verifying AI-generated suggestions
• We do not guarantee financial outcomes, savings, or investment results

4. Legal Basis for Processing (GDPR)

We process personal data based on:

• Your consent
• Performance of a contract (providing the service)
• Legal obligations
• Legitimate interests (product improvement, security)

5. Data Retention

We retain your data only for as long as necessary:

• While your account remains active
• As required by law
• For legitimate business purposes

You may request deletion of your account and data at any time.

6. Data Security

We apply industry-standard security measures, including:

• Encryption in transit and at rest
• Secure cloud infrastructure
• Restricted internal access controls
• Regular monitoring and testing

Despite our efforts, no system is 100% secure.

7. International Data Transfers

Your data may be processed outside your country of residence. Where this occurs, we ensure appropriate safeguards such as:

• Standard contractual clauses
• NDPA-compliant transfer mechanisms
• GDPR-approved safeguards

8. Your Rights

Depending on your location, you have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion
• Restrict or object to processing
• Withdraw consent
• Request data portability

Requests can be made via the contact details below.

9. Cookies & Tracking

We use cookies and similar technologies.

10. Children’s Privacy

Kudiwise is not intended for users under 18 years. We do not knowingly collect data from minors.

11. Third-Party Services

We may share limited data with:

• Cloud hosting providers
• Analytics services
• Banking integration partners
• Push notification services

All third parties are contractually required to protect your data.

12. Contact Us

If you have questions or requests about this Privacy Policy:

Email: [email protected]

Website: https://kudiwise.com

Last Updated: 15 January 2026