Privacy Policy

POQT is committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, protect, and share your data when you use our WhatsApp-based financial management service.

1. Information We Collect

We collect the following types of information to provide and improve our service:

• Registration Information: Name, email address, phone number
• Financial Data: Transactions, expenses, income, budget information
• Supporting Documents: Receipt images, PDFs, bank statements
• Voice Messages: Audio recordings containing financial information
• Usage Data: How you interact with our service and features
• Device Information: Device type, operating system, WhatsApp version

2. How We Use Your Information

We process your information to:

• Process and categorize your financial transactions
• Generate personalized reports and analyses
• Send alerts and notifications about your spending
• Provide AI-powered financial insights and suggestions
• Improve our service quality and develop new features
• Comply with legal obligations and prevent fraud

3. Data Protection Measures

We implement industry-standard security measures including:

• End-to-end encryption for data transmission
• Encrypted storage of all financial information
• Access controls and authentication systems
• Regular security audits and monitoring
• Secure data backup and recovery procedures

4. Data Sharing

We do not sell or rent your personal information. We may share data only:

• With your explicit consent
• To comply with legal obligations or court orders
• With service providers who help operate our service (under strict confidentiality)
• In anonymized form for research and analysis

5. WhatsApp Integration

Our service operates through WhatsApp. Please note:

• We process messages sent to our WhatsApp number
• We do not store non-financial WhatsApp conversations
• WhatsApp's privacy policy also applies to your communications
• You can delete your conversation history at any time

6. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data
• Export your financial data
• Withdraw consent for data processing
• Lodge a complaint with supervisory authorities

To exercise these rights, contact us at [email protected]

7. Data Retention

We retain your data only as long as necessary to provide our service and comply with legal obligations. Financial records are kept according to applicable financial regulations. You can request deletion of your data at any time, subject to legal requirements.

8. Children's Privacy

POQT is not intended for users under 18 years of age. We do not knowingly collect information from minors. If we become aware that we have collected data from a minor, we will take steps to delete that information.

9. International Data Transfer

Your data may be processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your information in accordance with this privacy policy and applicable laws.

10. Cookies and Tracking

Our WhatsApp service does not use cookies. If you access our website or web dashboard, we may use essential cookies for functionality and analytics to improve user experience.

11. Updates to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes through WhatsApp or email. Continued use of POQT after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact us: