CashChatApp

Privacy Policy

This Privacy Policy explains how Cash Chat Limited and its related entities ("Cash Chat", "we", "us", "our") collect, use, share, and protect your information when you use Cash Chat, CashChat AI, Pro AI, AI Voice Assistants, Flicks, Virtual Gifts, Advertising, and Community Shares Trading (the "Services").

1. Who We Are (Company Details)

Cash Chat is operated by CASHCHAT LTD, a company registered in the United Kingdom (trading as "Cash Chat"), together with any applicable affiliates.

Depending on your country and which Services you use, your data may be processed by one or more of the following entities:

• United Kingdom: CASHCHAT LTD (registered in the UK), trading as "Cash Chat".
• Uganda: Cash Chat Limited (trading as "Cash Chat"), where applicable.

2. Scope

This Privacy Policy applies to our apps, websites, and features including: wallet tools (where available), Pro AI, AI voice assistants, educational assistants, social features, Flicks short videos, Virtual Gifts, advertising, and Community Shares Trading.

Some features may be provided or supported by third-party partners (such as Stripe), who may process data under their own privacy terms.

3. Information We Collect

We collect information you provide, information collected automatically, and information from partners where permitted by law.

• Account & profile: name, username, phone number, email, profile photo (optional), and account settings.
• Identity & Anti-Fraud (where required): date of birth, address, government ID details, selfie/biometric checks, verification status, device identifiers, and velocity tracking metrics to prevent abuse.
• Payments, Top-ups & Virtual Gifts: transaction history, balances, payer/payee identifiers, payment status, and payment method metadata. (Card payments are processed securely via Stripe; we do not store your full credit/debit card numbers).
• Currencies supported: UGX, KES, and USD (for other countries). We record currency, amounts, and timestamps for transactions.
• AI & Voice: prompts, messages, AI outputs, voice inputs (if enabled), and feature usage/consumption for billing and abuse prevention.
• Flicks & social: content you post, comments, likes, follows, shares, virtual gifts sent/received, and moderation actions.
• Advertising: advert content, targeting settings, campaign metadata, impressions/clicks/engagement metrics, and billing records.
• Agent program: application details, verification status, sales attribution, commission calculations, payout records, fraud checks.
• Community Shares Trading: orders, portfolio-related records, trade timestamps, and compliance logs (where available).
• Device/usage: device type, OS, app version, IP address, time zone, identifiers, crash and performance logs.
• Cookies/analytics (web): preferences and analytics identifiers where applicable.

4. How We Use Information

We use information to provide, secure, personalize, and improve the Services, and to meet legal and compliance requirements.

• Provide accounts, login, and customer support.
• Process top-ups, Virtual Gifts, and paid feature usage, including billing, calculating creator revenue splits (60%), and issuing receipts.
• Run wallet-to-wallet transfers and withdrawals, including enforcing 7-day security clearance holds on high-value transactions and conducting manual administrative reviews.
• Operate Flicks and social features: content delivery, recommendations, engagement, moderation, and protecting the community.
• Operate the advertising platform: campaign setup, targeting, delivery, measurement, reporting, and enforcement.
• Operate the agent program: verify eligibility, attribute sales, calculate commissions, pay commissions, and prevent abuse.
• Operate Community Shares Trading: enable trading features, risk controls, and compliance logging.
• Improve safety & prevent fraud: enforce 3D Secure authentication, velocity limits, and account age restrictions. Detect spam, fraudulent chargebacks, explicit nudity, policy violations, or harmful behavior.
• Comply with legal obligations and enforce our Terms.

5. Legal Bases (Where Applicable)

Depending on your location, we process personal data under a lawful basis (e.g., under GDPR/UK GDPR where applicable).

• Contract: providing the Services you request (accounts, wallet, AI features, Flicks, gifts, ads, trading).
• Legitimate interests: platform security, fraud prevention (e.g. limiting velocity and verifying identities for card payments), service improvement, and user safety.
• Consent: optional features (e.g., marketing where required, microphone permissions).
• Legal obligation: KYC/AML, financial recordkeeping, and lawful requests.

6. How We Share Information

We do not sell your personal data. We share information only as needed to operate the Services, comply with law, and protect users.

• With other users: profile and content you choose to share (subject to settings and platform design).
• With service providers: hosting, analytics, moderation tooling, security, customer support vendors.
• With payment & anti-fraud partners: such as Stripe for secure card processing, mobile money providers, wallet infrastructure, and fraud-prevention agencies to assess transaction risk.
• With advertising/measurement tools: campaign reporting and performance metrics (may be aggregated).
• With legal authorities: when required by law or to protect rights and safety.
• Business transfers: mergers, acquisitions, or restructuring (with notice where required).

7. AI and Voice Assistants

When you use AI chat or AI voice assistants, we process your inputs to generate outputs and provide the service. We may use limited logging for safety, debugging, billing, and abuse prevention.

Voice features may require microphone access; you can manage permissions in device settings.

• We may apply automated and human review to enforce policies (including explicit content rules).
• We may store usage/consumption records to measure paid usage and prevent fraud.

8. Content Moderation and Enforcement Data

We may process content and related signals to enforce our rules (including prohibitions on explicit nudity, hate speech, and fraudulent activity).

We may keep records of warnings, strikes, removals, chargeback disputes, and enforcement actions to maintain platform safety and integrity.

9. International Data Transfers

Because we operate across Africa, Europe, and America, your data may be processed in multiple countries.

Where required by law (e.g., GDPR/UK GDPR), we use appropriate safeguards such as contractual protections and security controls.

10. Data Retention

We keep data only as long as needed for the purposes described in this policy, including legal, accounting, tax, compliance, and security requirements.

Financial and transaction records (including data relating to fraud or chargeback disputes) may be retained longer where required by law.

11. Security

We use technical and organizational measures designed to protect your information. No system is perfectly secure.

You should use strong passwords and protect your device. Do not share verification codes.

12. Your Rights and Data Deletion

Depending on your location, you may have rights such as access, correction, deletion, restriction, objection, and portability.

• Account & Data Deletion: You may request the permanent deletion of your account and associated personal data at any time.
• Access: request a copy of your data.
• Correction: update inaccuracies.
• Objection/restriction: limit certain processing where legally available.
• Portability: request a transferable copy where applicable.
• Consent withdrawal: withdraw consent for optional processing.

13. Children's Privacy

The Services are not intended for children, and you must meet the minimum age requirement in your jurisdiction.

If we learn we collected data from a child unlawfully, we may delete it and restrict the account.

CashChatApp has a zero-tolerance policy for Child Sexual Abuse and Exploitation (CSAE). See our full published Child Safety Standards for what is prohibited, how we enforce it, and how to report a concern.

14. User-Generated Content (UGC) & Reporting

To maintain a safe environment, Cash Chat strictly prohibits objectionable content, including but not limited to hate speech, explicit sexual content, bullying, harassment, and illegal activities.

We enforce a zero-tolerance policy for objectionable content and abusive users. You have the right and ability to report any violations directly within the app.

• Reporting Content: You can report inappropriate Flicks, posts, or pages by tapping the "Report" (🚩) icon located in the options menu of the content or profile.
• Blocking Users: You can block abusive users by navigating to their profile or content, opening the options menu, and selecting "Block User" (🚫). Blocked users will no longer be able to interact with you.
• Moderation Turnaround: Our moderation team reviews user reports within 24 hours. Content that violates our guidelines will be promptly removed.
• Account Termination: Users who repeatedly or severely violate these terms (such as uploading illegal or highly objectionable content) will be permanently banned from the platform.

15. Changes to this Policy

We may update this Privacy Policy from time to time. If changes are material, we may notify you via the app, website, or other reasonable means.

Your continued use after updates become effective means you accept the updated policy.

Contact

Questions, requests, or complaints about privacy can be sent to:

• Mobile: +254745133259, +256775036603
• Email: support@cashchatapp.com
• Child safety concerns: see our Child Safety Standards.