Privacy Policy - FundsIQ

1. About This Policy

FundsIQ is an independent digital learning platform designed to help university students study GST courses, practise CBT questions and use academic tools.

By using FundsIQ, you acknowledge that information may be collected and processed as described in this Privacy Policy.

2. Information We May Collect

Depending on how you use FundsIQ, we may collect information such as:

Your name or display name.
Your email address.
Your account and authentication information.
Your selected academic information.
Your course and practice activity.
CBT results and academic progress information.
Coin balances and reward activity.
Referral information and referral activity.
Premium account status.
Payment and transaction references necessary to process purchases.
Information you voluntarily provide when contacting us.

3. How We Use Information

Information may be used to:

Create and manage your FundsIQ account.
Provide courses and academic features.
Record practice results and learning progress.
Manage coins, rewards and referrals.
Provide Premium features.
Process and verify payments.
Prevent abuse, fraud and unauthorized activity.
Respond to support requests.
Improve the functionality and reliability of FundsIQ.

4. Authentication and Account Data

FundsIQ uses third-party services to provide account authentication and securely store application data.

Account information may be stored using Firebase services. Authentication information is used to allow you to securely access your FundsIQ account.

5. Payments

FundsIQ uses third-party payment services to process Premium payments and other supported transactions.

Payment providers may process payment information according to their own privacy policies and security practices.

FundsIQ does not intentionally store complete payment card numbers or payment card security codes on its own servers.

6. Advertising

FundsIQ may display advertisements through third-party advertising services such as Google AdSense.

Advertising providers may use cookies or similar technologies to provide, measure and personalize advertisements in accordance with their own policies.

FundsIQ may also provide separate reward-based advertising features. Participation in reward features is subject to the applicable FundsIQ rules.

7. Cookies and Similar Technologies

FundsIQ and third-party services may use cookies, local storage or similar technologies to remember preferences, maintain sessions, provide functionality, measure usage and display advertisements.

You may be able to control cookies through your browser or device settings. Disabling certain technologies may affect some FundsIQ features.

8. Information Sharing

FundsIQ does not sell your personal information simply because you use the platform.

Information may be shared with service providers when necessary to operate the platform, including authentication, database, payment, hosting, security and advertising providers.

Information may also be disclosed when required by law, necessary to protect the platform or users, or necessary to investigate fraud or abuse.

9. Data Security

We take reasonable technical and organizational measures to protect information associated with FundsIQ.

However, no internet service can guarantee absolute security. Users should also protect their passwords, authentication information and devices.

10. Data Retention

We may retain account and transaction information for as long as reasonably necessary to provide the service, maintain records, resolve disputes, prevent abuse or comply with applicable legal obligations.

11. Your Choices

Depending on the information and service involved, you may contact FundsIQ to request access to, correction of or deletion of certain personal information associated with your account, subject to applicable requirements.

12. Third-Party Services

FundsIQ may rely on third-party services such as Firebase, Paystack, Google and hosting providers. These services may process information according to their own terms and privacy policies.

13. Changes to This Privacy Policy

FundsIQ may update this Privacy Policy from time to time. Changes will be reflected on this page by updating the "Last updated" date.

14. Contact

If you have questions about this Privacy Policy or how information is handled by FundsIQ, please contact us through our Contact page.