Privacy Policy

1. Introduction

Welcome to VeloCash ("we", "our", or "us"). We are committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our web application and mobile application (collectively, the "Service").

By accessing or using the Service, you agree to this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access the Service.

2. Information we collect

We may collect the following types of information:

2.1 Personal information

• Account data: name, email address, phone number, business name, and login credentials when you register or update your profile.
• Business data: business address, tax identification number, and other business-related details you provide.
• Transaction data: records of purchases, sales, expenses, invoices, and payments processed through the Service.
• Contact data: customer and supplier details you add to manage your business relationships.

2.2 Automatically collected information

• Device information: device type, operating system, unique device identifiers, and mobile network information.
• Usage data: pages visited, features used, access times, and referring URLs.
• Location data: approximate location based on IP address; precise location only when you grant permission in the mobile app (used for field-force features).
• Camera & storage access: when granted permission in the mobile app, used for scanning barcodes, capturing product images, and storing or retrieving documents.

3. How we use your information

We use the information we collect to:

• Provide, operate, and maintain the Service.
• Process transactions and send related information (invoices, receipts, confirmations).
• Manage your account and provide customer support.
• Generate business reports and analytics for your use.
• Send administrative notifications (system updates, security alerts, policy changes).
• Comply with legal obligations, including tax reporting requirements.
• Detect, prevent, and address technical issues and fraudulent activity.
• Improve and personalise the Service.

4. Data sharing and disclosure

We do not sell your personal information. We may share your information only in these circumstances:

• Service providers: with third-party vendors who perform services on our behalf (hosting, payment processing, analytics), bound by confidentiality obligations.
• Legal compliance: when required by law, regulation, or legal process, including reporting to the Tax Authority.
• Business transfers: in connection with a merger, acquisition, or sale of assets, with appropriate notice.
• With your consent: when you explicitly authorise sharing with third parties.

5. Data storage and security

We implement industry-standard security measures to protect your data, including encryption in transit (TLS/SSL), secure server infrastructure, regular backups, and access controls. However, no method of electronic storage is 100% secure, and we cannot guarantee absolute security.

Your data is stored on servers that may be located in different jurisdictions. By using the Service, you consent to the transfer of information to countries outside your country of residence, which may have different data protection rules.

6. Data retention

We retain your personal information for as long as your account is active or as needed to provide the Service. We also retain data as necessary to comply with legal obligations (such as tax record-keeping requirements), resolve disputes, and enforce our agreements. You may request deletion of your account and associated data by contacting us.

7. Your rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate or incomplete data.
• Request deletion of your personal data.
• Object to or restrict certain processing activities.
• Data portability — receive your data in a machine-readable format.
• Withdraw consent at any time where processing is based on consent.

To exercise any of these rights, please contact us using the details below.

8. Mobile application permissions

Our mobile application may request the following permissions:

• Camera: to scan barcodes and capture product images.
• Storage: to save and access documents, invoices, and exported files.
• Location: to support field-force tracking and attendance features (only when enabled).
• Internet access: required for syncing data with the server.

You can manage these permissions at any time through your device settings. Denying certain permissions may limit functionality of the app.

9. Cookies and tracking technologies

Our web application uses cookies and similar technologies for session management, authentication, and improving user experience. These are essential cookies required for the Service to function. We do not use third-party advertising cookies.

10. Third-party services

The Service may integrate with third-party services (for example payment gateways and tax authorities). These third parties have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

11. Children's privacy

The Service is not intended for individuals under the age of 16. We do not knowingly collect personal information from children. If we learn that we have collected data from a child under 16, we will take steps to delete such information promptly.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. Your continued use of the Service after changes are posted constitutes acceptance of the updated policy.