1. Introduction and Scope

FONDASYON KOLE ZEPÒL (FONKOZE) is dedicated at all times to protecting the Personal Information requested from you when using our mobile applications, educational technology platforms, and digital services.

This Privacy Policy explains our company-wide privacy practices and principles so that you clearly understand how your Personal Information is accessed, collected, stored, and used across our mobile applications and related digital platforms (collectively, the “Applications” or “Services”).

Each time you open, access, or use any of our Applications, you explicitly acknowledge and agree that you authorize FONKOZE to process and utilize your Personal Information in accordance with this Privacy Policy.

We collect Personal Information lawfully, fairly, and transparently directly from our users. This information is collected solely with user awareness and consent, without deceptive, fraudulent, or clandestine methods.

After reading this Privacy Policy, you remain free to decide whether to provide or withhold your consent for FONKOZE to utilize your Personal Information. If you decline to consent to the processing of your Personal Information, you may not be able to register for or use the Applications.

2. Personal Information We Collect

Under applicable privacy laws and for the purposes of our Applications, “Personal Information” refers to any information relating to an identified or identifiable natural person. Depending on the specific application used, we may collect the following categories of Personal Information:

3. Electronic Processing and Sensitive Information

Generally, we employ electronic and automated computerized equipment to manage and process your Personal Information securely.

Apart from the specified data categories listed above, FONKOZE does not solicit highly sensitive personal data (such as political affiliations, religious beliefs, medical history, or biometrics) that would require special statutory safeguards. If you voluntarily post, transmit, or share sensitive personal information through your user profile or interactions, you acknowledge and accept that such data may be processed in the course of providing service functionality.

4. Purposes of Collection and Data Use

The primary purpose of collecting and electronically processing Personal Information is to enable full operation and interactive features of our Applications. Specifically, processing this data enables us to:

• Create, authenticate, and manage your user account and verify your identity.
• Track and save educational progress, learning scores, milestones, and training modules.
• Perform socio-economic analyses, statistics, and impact studies to help registered participants improve financial literacy, household budgeting, and savings habits.
• Maintain, manage, enhance, and optimize application performance according to user preferences.
• Deliver technical notices, security alerts, operational updates, and support messages.
• Conduct voluntary feedback surveys to improve programs and tools.
• Provide prompt customer care, user assistance, and account verification.

You affirm that the Personal Information you provide to FONKOZE is accurate and current, and you agree to notify FONKOZE promptly of any updates to your personal records.

5. Data Sharing and Third-Party Disclosures

FONKOZE does not sell, rent, or lease your Personal Information to commercial brokers or advertisers. Certain authorized individuals, affiliated organizations, or public authorities—operating domestically or internationally—may receive access to Personal Information strictly for the legitimate operational purposes set forth herein.

We may share your Personal Information only with:

• Affiliated organizations, branches, and regional offices of FONKOZE.
• Professional consulting firms and specialists providing accounting, administrative, legal, audit, tax, or financial advisory services in connection with our Applications.
• Public bodies, judicial courts, and governmental regulatory agencies where required by statutory obligations or enforceable legal orders.
• Technical infrastructure contractors and hosting service providers responsible for server maintenance, network systems, and telecommunications operations.
• Operational partners (acting as independent data controllers) delivering authorized complementary educational or financial services.
• Authorized employees, contractors, and project staff directly involved in the development, deployment, and monitoring of our Applications.

6. Social Networks and Third-Party Platforms

Social networking platforms (such as Facebook®, Instagram®, and X/Twitter®) are third-party services independent of FONKOZE. These platforms are not hosted on FONKOZE infrastructure and fall outside the control and responsibility of FONKOZE.

This Privacy Policy does not govern data you voluntarily post publicly on external social networks, public forums, or third-party comment threads. Any information you publish on such platforms can be viewed, collected, and used by external parties, and you bear sole responsibility for your data across those third-party networks.

7. Your Rights (Access, Rectification, Deletion, and Objection)

You retain complete ownership of your Personal Information. You are entitled to exercise the following fundamental rights at any time:

8. Account Deletion and Data Retention

In compliance with Google Play Developer User Data policies, users have full control over their accounts and data retention across all FONKOZE applications:

Withdrawing your consent or deleting your account data terminates your active registration in the applicable Application.

9. Data Security

FONKOZE implements reasonable administrative, technical, and physical security measures to safeguard your Personal Information against unauthorized access, destruction, loss, alteration, or disclosure. All transmission between our Applications and servers utilizes industry-standard secure electronic communication protocols.

10. Changes to This Privacy Policy

FONKOZE reserves the right to modify or update this Privacy Policy at any time to reflect updates in regulatory requirements, industry standards, or improvements in our Applications and Services. Any updates will be posted directly to this page with an updated “Last Updated” date. In the event of material modifications, FONKOZE will provide notice through our Applications or our official website.

11. Contact Information

If you have questions, feedback, or inquiries regarding this Privacy Policy, or if you wish to exercise your privacy rights, please reach out directly: