Privacy Policy
How Cercora collects, uses, stores, and protects personal information on the web app.
This Privacy Policy explains how Cercora handles personal information when you create an account, join or manage a tontine, submit contributions, receive reminders, or contact support through the web app.
Information We Collect
We collect information you provide directly, such as your name, phone number, password, support messages, and any payment proof or screenshots you choose to upload or reference.
We also process tontine activity data needed to run the service, including memberships, contributions, payout records, debt records, reminder activity, and transaction references.
How We Use Information
- Create and secure your account.
- Manage tontines, cycles, contributions, debts, payouts, and transaction history.
- Send verification codes, reminders, and service notifications.
- Provide support, investigate issues, and improve reliability and security.
- Comply with legal obligations and prevent fraud or abuse.
When We Share Information
We do not sell your personal information. We may share limited information with service providers that help operate the platform, such as hosting, messaging, analytics, or payment-related providers, only as needed to deliver the service.
Information may also be disclosed if required by law, to enforce platform rules, or to protect users, Cercora, or the public from fraud, security threats, or other harm.
Data Retention
We keep account and transaction-related information for as long as needed to operate tontines, maintain financial records, resolve disputes, support audits, and meet legal or operational requirements.
If you request account deletion, some information may be retained where records are required for security, compliance, or existing tontine obligations.
Your Choices and Rights
- You can review and update certain profile details in the app.
- You can request account deletion, subject to active tontine and record-retention limits.
- You can choose whether to provide optional information such as support screenshots.
- You can contact Cercora through the available support channels if you have privacy questions or requests.
Security
We use reasonable administrative, technical, and organizational measures to protect personal information. No online service can guarantee absolute security, so users should also protect their login credentials and devices.
Policy Updates
We may update this Privacy Policy from time to time. When material changes are made, we may update the effective date and provide notice through the app or other appropriate channels.