Privacy Policy

At Centwise, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our personal finance management service.

By using Centwise, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our service.

Account Information: When you create an account, we collect your name, email address, and password (encrypted).

Financial Data: You may choose to input or import financial information including:

• Account balances and names
• Transaction history and details
• Budget and goal information
• Bank statement data (from M-Pesa, Equity, KCB, ABSA, etc.)

Usage Data: We automatically collect information about how you interact with our service, including pages visited, features used, and timestamps.

Device Information: We may collect device type, browser type, and operating system for service optimization.

We use your information to:

• Provide and maintain the Centwise service
• Process and display your financial data
• Send you service-related notifications
• Improve and personalize your experience
• Analyze usage patterns to enhance features
• Protect against unauthorized access and fraud
• Comply with legal obligations

Your data is stored securely using industry-standard encryption. We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

Security measures include:

• SSL/TLS encryption for data in transit
• Encrypted database storage
• Regular security audits
• Access controls and authentication
• Secure infrastructure hosted on reputable cloud providers

We do not sell your personal data. We may share your information only in the following circumstances:

• Service Providers: With trusted third parties who assist in operating our service (hosting, analytics) under strict confidentiality agreements
• Legal Requirements: When required by law or to protect our rights and safety
• Business Transfers: In connection with a merger, acquisition, or sale of assets, with notice to you
• With Your Consent: When you explicitly authorize sharing

You have the right to:

• Access: Request a copy of the personal data we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your account and associated data
• Export: Download your financial data in a portable format
• Withdraw Consent: Opt out of optional data processing activities

To exercise these rights, please contact us or use the data management features in your account settings.

We retain your personal data for as long as your account is active or as needed to provide services. Upon account deletion, we will delete or anonymize your data within 30 days, except where retention is required by law.

Backup data may be retained for up to 90 days after deletion for disaster recovery purposes.

We use essential cookies to maintain your session and remember your preferences. We do not use third-party advertising cookies or trackers.

Analytics data is collected in aggregate form to improve our service and does not identify individual users.

Our service may integrate with or link to third-party services. We are not responsible for the privacy practices of these services. We encourage you to review their privacy policies.

When you import bank statements, the parsing happens locally and we only store the extracted transaction data, not the original files.

Centwise is not intended for users under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child, we will delete it promptly.

Centwise is primarily designed for users in Kenya. If you access our service from outside Kenya, please be aware that your data may be transferred to and processed in Kenya, where data protection laws may differ from your jurisdiction.

We may update this Privacy Policy periodically. When we make significant changes, we will notify you by email or through a prominent notice on our service. The "Last updated" date at the top indicates when the policy was last revised.

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

Email: privacy@castynet.africa

Data Protection Officer: dpo@castynet.africa