Privacy Policy

Your privacy and data security are fundamental to our fintech services. Learn how we protect and manage your information.

Last updated: September 27, 2025

Data Protection

Bank-level encryption and security measures protect your financial data at all times.

Transparency

Clear information about what data we collect, how we use it, and your control options.

Your Rights

Full control over your personal data with options to access, modify, or delete information.

Introduction

Stark App ("we," "our," or "us") operates as a fintech platform providing artificial intelligence-powered financial services, payment processing, WhatsApp chatbots, mobile banking applications, and cloud-based financial solutions. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and services.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy. This policy complies with applicable privacy laws including GDPR, CCPA, and local Nigerian data protection regulations.

Information We Collect

Personal Information

  • Full name, email address, phone number
  • Date of birth and government-issued identification
  • Address and location information
  • Banking and financial account information
  • Biometric data for authentication (with consent)

Financial Information

  • Bank account numbers and routing information
  • Credit and debit card information
  • Transaction history and payment patterns
  • Credit scores and financial assessments
  • Income and employment information

Device and Usage Information

  • Device identifiers, IP addresses, and location data
  • App usage patterns and feature interactions
  • WhatsApp chat interactions with our chatbot services
  • Browser information and cookies
  • Performance and crash analytics

How We Use Your Information

Service Provision

  • • Process financial transactions and payments
  • • Provide AI-powered financial recommendations
  • • Enable WhatsApp chatbot interactions
  • • Maintain and improve mobile banking features

Security & Compliance

  • • Verify identity and prevent fraud
  • • Comply with financial regulations (KYC/AML)
  • • Monitor for suspicious activities
  • • Secure authentication and access control

Communication

  • • Send transaction confirmations and alerts
  • • Provide customer support
  • • Share important service updates
  • • Deliver personalized financial insights

Analytics & Improvement

  • • Analyze usage patterns and preferences
  • • Improve AI algorithms and predictions
  • • Develop new financial products
  • • Enhance user experience and performance

Information Sharing and Disclosure

We may share your information with:

  • Financial Partners: Banks, payment processors, and financial institutions to facilitate transactions and services
  • Service Providers: Third-party vendors who help us operate our platform, including cloud hosting, analytics, and customer support
  • Regulatory Authorities: Government agencies and regulators as required by financial services laws and regulations
  • Legal Requirements: Law enforcement and legal proceedings when required by law or to protect our rights and users

We do not sell your personal information to third parties for marketing purposes. All data sharing is conducted under strict contractual agreements that require the same level of privacy protection.

Data Security

Our Security Measures Include:

  • • End-to-end encryption for all data transmission
  • • Multi-factor authentication (MFA)
  • • Regular security audits and penetration testing
  • • SOC 2 Type II compliance
  • • PCI DSS compliance for payment processing
  • • 24/7 security monitoring and threat detection
  • • Secure cloud infrastructure with AWS/Azure
  • • Data anonymization and pseudonymization

Your Privacy Rights

Access & Portability

Request a copy of your personal data and download it in a portable format.

Correction & Updates

Update or correct your personal information through your account settings or by contacting us.

Deletion Rights

Request deletion of your personal data, subject to legal and regulatory retention requirements.

Consent Management

Withdraw consent for data processing where applicable, though some services may become unavailable.

Mobile Application Privacy

Mobile-Specific Data Collection:

  • • Location Services: Used for branch locators, fraud prevention, and location-based offers (with permission)
  • • Camera Access: For document scanning, check deposits, and identity verification (with permission)
  • • Biometric Data: Fingerprint and face recognition for secure authentication (with consent)
  • • Push Notifications: Transaction alerts, security notifications, and account updates
  • • Contact Access: To facilitate peer-to-peer payments and money transfers (with permission)

You can manage these permissions through your device settings. Disabling certain permissions may limit app functionality.

Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations:

  • • Account Information: Retained while your account is active and up to 7 years after closure for regulatory compliance
  • • Transaction Data: Kept for 7-10 years as required by financial regulations
  • • Marketing Communications: Until you opt-out or withdraw consent
  • • Analytics Data: Anonymized and retained for up to 2 years for service improvement

International Data Transfers

Your information may be transferred to and processed in countries other than your own, including the United States and European Union, where our cloud infrastructure and service providers operate. We ensure appropriate safeguards are in place through:

  • Standard Contractual Clauses (SCCs)
  • Adequacy decisions by relevant authorities
  • Certification programs and codes of conduct
  • Strong encryption and security measures

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will take steps to remove such information.

Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

  • Sending an email notification to your registered email address
  • Posting a notice in the mobile application
  • Updating the "Last Updated" date at the top of this policy

Your continued use of our services after any modifications indicates your acceptance of the updated Privacy Policy.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us:

Email

privacy@starkapp.com

hello@starkapp.com

Phone

+234 916 0000 444

+234 803 309 9431

Address

Brilliant Esystems Limited
Gombe State, Nigeria

Data Protection Officer

dpo@starkapp.com

Regulatory Compliance

Stark App is committed to compliance with applicable privacy and financial regulations including:

• GDPR (EU)
• CCPA (California)
• NDPR (Nigeria)
• PCI DSS
• SOX Compliance
• AML/KYC Laws
• Basel III
• ISO 27001