Privacy Policy
Effective date: 17 May 2026
1. Overview
SoSave ("we", "us", "our") operates a platform that digitizes community savings circles — Pardner, Susu, Tanda, Hui, Paluwagan, and Chit Fund traditions. This Privacy Policy describes what personal information we collect when you use our service, how we use it, and the choices you have.
2. Information We Collect
Information you provide directly
- Account details: name, email address, phone number, language preference.
- Identity verification: government-issued ID images, selfie, date of birth, address, and Social Security Number (US users) collected through our verification partner.
- Pool participation data: pool names, contribution amounts, member relationships you create.
- Communications you send us (e.g., support emails to hello@sosave.ai).
Information collected automatically
- Usage data: pages visited, actions taken in the app, device type, browser, IP address.
- Cookies and similar technologies for authentication, preferences, and analytics.
Information from third parties
- Bank account information from Plaid when you link an account (institution, account type, masked account number, transactions you authorize us to read).
- Identity verification results from Stripe Identity.
- Payment and transfer status from Stripe Treasury when contributions and payouts move.
3. How We Use Your Information
- Provide, maintain, and improve the service.
- Verify your identity and prevent fraud (KYC / AML obligations).
- Move money on your behalf: collect contributions, hold funds in custody, distribute payouts.
- Communicate with you: confirmations, reminders, account notifications, support responses.
- Comply with legal obligations and respond to lawful requests.
4. Third-Party Service Providers
We share information with the following providers strictly as necessary to deliver the service:
- Clerk — authentication and user accounts (privacy policy).
- Plaid — bank account linking and transaction data (privacy policy).
- Stripe — identity verification, payment processing, custodial accounts (privacy policy).
- Resend — transactional email delivery (privacy policy).
- Railway / AWS — server and database hosting.
We do not sell your personal information.
5. Data Retention
We retain your information for as long as your account is active and as required to comply with legal, accounting, audit, and tax obligations. Financial transaction records are retained for a minimum of seven (7) years per US federal record-keeping requirements. You may request deletion of non-required data by contacting us.
6. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access the personal information we hold about you.
- Request correction of inaccurate information.
- Request deletion of information not subject to legal retention requirements.
- Object to or restrict certain processing activities.
- Receive a portable copy of your data.
To exercise any of these rights, contact us at hello@sosave.ai.
7. Security
We use industry-standard technical and organizational measures to protect your information, including encryption in transit (TLS), encryption of sensitive fields at rest, access controls, and routine security review. No method of transmission or storage is 100% secure.
8. Children's Privacy
SoSave is intended for users aged 18 and older. We do not knowingly collect personal information from children under 18. If we learn we have collected such information, we will delete it promptly.
9. International Users
SoSave is operated from the United States. If you access the service from outside the US, your information will be transferred to, stored, and processed in the United States.
10. Changes to This Policy
We may update this Privacy Policy from time to time. The "Effective date" above reflects the latest revision. Material changes will be communicated via email or in-app notice.
11. Contact Us
Questions about this Privacy Policy or about how we handle your information: hello@sosave.ai.