Effective date: May 2, 2025
1. Introduction
Zitocard (Android package com.zitocard.reload) is developed and published by Zito Financial Company Ltd (trading as ZFC Group), headquartered at Opposite Grace Inn Street, Kumba, Cameroon. We are committed to protecting your privacy and handling your data in a transparent, secure, and lawful manner.
2. Scope & Consent
By downloading, installing or using Zitocard, you expressly consent to the collection and processing of your personal data as described in this policy. You may withdraw consent at any time by deleting the app or contacting us (see section 12), but withdrawal does not affect processing carried out prior to that point.
3. Data We Collect
3.1 Personal Identifiers
- Full name, email address, phone number, postal address (when registering or contacting support).
- User-provided financial information (e.g. masked card numbers) required to top-up or load prepaid cards/wallets.
3.2 Device & Usage Data
- Device identifiers (IMEI, Android ID), IP address, browser/OS version, mobile network operator.
- Log data (app crashes, feature usage metrics, timestamps) collected via analytics services.
3.3 Transaction & Financial Data
- Transaction amounts, dates, balances, and status for payments, reloads, and withdrawals.
4. Legal Bases for Processing
We rely on the following legal grounds:
- Contract performance: to process transactions you initiate within the app.
- Consent: for marketing communications and optional features (you may opt out anytime).
- Legal compliance: to meet anti-money laundering and financial regulatory obligations.
- Legitimate interests: to improve our services, detect fraud, and protect our users.
5. How We Use & Share Your Data
- Core services: enabling payments, mobile top-ups, card reloads, and account management.
- Customer support: responding to inquiries and troubleshooting issues.
- Analytics: understanding usage patterns, optimizing performance.
- Communications: transactional notifications, security alerts, and promotional offers (with consent).
- Third-party disclosures:
- Payment processors (e.g. Visa/Mastercard gateways, mobile-money APIs).
- Analytics platforms (e.g. Firebase, Google Analytics).
- Regulatory bodies and law enforcement when required by law.
6. Data Storage & Retention
All personal and financial data are stored on secure servers with industry-standard encryption (AES-256 at rest, TLS 1.2+ in transit). We retain your data only as long as necessary to:
- Fulfill contractual obligations (minimum 10 years for financial records under Cameroonian law).
- Comply with legal, tax and regulatory requirements.
- Resolve disputes, enforce agreements, or complete investigations.
After retention periods expire, data are irreversibly deleted or anonymized.
7. International & Cross-Border Transfers
Your data may be processed in Cameroon or in other countries where our service providers operate. We employ appropriate safeguards (standard contractual clauses, encryption) to ensure legal and secure transfers.
8. Cookies & Tracking Technologies
We use cookies and similar technologies only within the app’s embedded web views (e.g. for payments or support chat). You may control cookie preferences via your device settings. We do not use third-party ad trackers.
9. Your Rights & Choices
Subject to local law, you may:
- Access, correct or delete your personal data.
- Export a copy of your data in a portable format.
- Object to or restrict processing on grounds of legitimate interests.
- Withdraw consent for marketing at any time.
To exercise these rights, contact us (see next section). We will respond within 30 days.
10. Security Measures
We implement administrative, technical, and physical safeguards, including:
- Encrypted data storage (AES-256) and transit (TLS 1.2+).
- Access controls, audit logging, and regular security assessments.
- Incident response plans and breach notification procedures.
11. Children’s Privacy
Our app is intended for users aged 18+. We do not knowingly collect data from children under 18. If you believe we have, please contact us and we will delete it promptly.
12. Contact & Complaints
For privacy inquiries or complaints, please reach out:
- Zito Financial Company Ltd (trading as ZFC Group)
- Address: Opposite Grace Inn Street, Kumba, Cameroon
- Email: privacy@zitofinancial.cm
- Phone: +237 6 51 02 93 19
If you remain unsatisfied, you have the right to lodge a complaint with National Information and Communication Technology Agency (‘ANTIC’).
13. Changes to This Policy
We may update this policy for legal or operational reasons. When we do, we will revise the “Effective date” above and notify you via the app or email. Continued use of Zitocard after changes constitutes acceptance.