1. Introduction

Welcome to Lkarna ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application Lkarna (the "App").

Please read this Privacy Policy carefully. By using the App, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information You Provide

When you register and use the App, we may collect:

• Account Information: Phone number, name, business name, PIN/password
• Business Information: Customer names, transaction records, payment details, outstanding balances
• Communication Data: Messages, notifications preferences

2.2 Information Automatically Collected

When you use the App, we automatically collect:

• Device Information: Device type, operating system, unique device identifiers
• Usage Data: App features used, time spent, interaction patterns
• Log Data: Error reports, crash logs, performance data
• Network Information: IP address, connection type

2.3 Biometric Data

If you enable biometric authentication (fingerprint/face recognition), this data is:

• Processed locally on your device only
• Never transmitted to our servers
• Managed by your device's secure enclave

3. How We Use Your Information

We use the information we collect to:

• Provide Services: Enable merchant ledger functionality, track transactions, manage customer accounts
• Authentication: Verify your identity and secure your account
• Communication: Send transaction notifications, payment reminders, service updates
• Improvement: Analyze usage patterns to improve app functionality
• Security: Detect and prevent fraud, unauthorized access, and other malicious activities
• Legal Compliance: Comply with applicable laws and regulations

4. Data Storage and Security

4.1 Data Storage

• Your data is stored securely on our servers located in secure data centers
• Local data on your device is encrypted using industry-standard encryption
• We retain your data for as long as your account is active or as needed to provide services

4.2 Security Measures

We implement robust security measures including:

• End-to-end encryption for data transmission (TLS/SSL)
• Encrypted local storage
• Secure authentication mechanisms
• Regular security audits
• Runtime application self-protection (RASP)
• Certificate pinning to prevent man-in-the-middle attacks

5. Information Sharing

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

5.1 With Your Consent

When you explicitly authorize us to share information with third parties.

5.2 Service Providers

With trusted service providers who assist in operating our App, including:

• Cloud hosting providers
• Analytics services
• Push notification services

5.3 Legal Requirements

When required by law, court order, or governmental authority.

5.4 Business Transfers

In connection with a merger, acquisition, or sale of assets, your information may be transferred.

6. Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal data
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Request your data in a portable format
• Opt-out: Disable certain data collection (e.g., analytics)
• Notifications: Control push notification preferences

To exercise these rights, contact us at contact@ets-tisg.com

7. Data Retention

We retain your personal information for as long as:

• Your account remains active
• Necessary to provide our services
• Required by applicable laws (financial records may be retained for legal compliance)

Upon account deletion, we will delete or anonymize your data within 30 days, except where retention is required by law.

8. Children's Privacy

The App is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we discover that a child has provided us with personal information, we will delete it immediately.

9. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy.

10. Third-Party Services

The App may contain links to third-party services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

Third-Party SDKs Used:

• Firebase: Authentication, push notifications, analytics
• Sentry: Error tracking and crash reporting

11. 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 in the App
• Sending a notification through the App
• Updating the "Last Updated" date

Your continued use of the App after changes constitutes acceptance of the updated policy.

12. Contact Us

13. Governing Law

This Privacy Policy is governed by the laws of the Islamic Republic of Mauritania.

By using Lkarna, you acknowledge that you have read and understood this Privacy Policy.