Privacy Policy — Holla by KashBoy

1. Information We Collect

When you use Holla, we collect:

Account information: username, email address, phone number, full name, date of birth, gender
Identity documents: submitted during KYC verification (Ghana Card, passport, etc.)
Transaction data: amounts, dates, counterparties, methods, and status of every transaction
Device and usage data: IP address, browser type, session timestamps
Support communications: messages you send to our support team

2. How We Use Your Information

We use your information to:

Provide, operate, and improve the Holla Service
Verify your identity and comply with KYC/AML obligations
Process and record financial transactions
Detect and prevent fraud, money laundering, and abuse
Communicate with you about your account, transactions, and updates
Comply with legal obligations and respond to lawful requests from regulators

3. Sharing Your Information

We do not sell your personal data. We may share it with:

Payment processors: to execute your top-ups and withdrawals (e.g., Paystack, MoMo providers)
KYC/identity verification partners: as required by law
Regulators and law enforcement: when legally required (e.g., Bank of Ghana, Financial Intelligence Centre)
Service providers: infrastructure and hosting providers bound by confidentiality obligations

4. Data Security

We protect your data using industry-standard security measures including encrypted storage, HTTPS for all communications, and strict access controls. Your password is hashed using bcrypt and is never stored in plaintext. However, no system is completely secure — you are responsible for keeping your login credentials confidential.

5. Data Retention

We retain your account data for as long as your account is active and for a minimum of 7 years after closure, as required by Ghanaian financial regulations. Transaction records are retained for the statutory period required by applicable law.

6. Your Rights

You have the right to:

Access the personal data we hold about you
Correct inaccurate information in your profile
Request deletion of your account (subject to regulatory retention requirements)
Object to certain uses of your data

To exercise these rights, contact us at privacy@holla.app.

7. Cookies

We use a single, essential session cookie to keep you logged in. We do not use third-party tracking or advertising cookies.

8. Children

Holla is not intended for anyone under 18 years of age. We do not knowingly collect data from minors.

9. Changes to this Policy

We may update this Privacy Policy from time to time. We will notify you through the app or by email. Your continued use of the Service constitutes acceptance of the updated policy.

10. Contact

For privacy-related enquiries: privacy@holla.app