1. Introduction
FCN Technologies ("us", "we", or "our") operates the FCN mobile application and related services (the "Service"). This Privacy Policy informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service.
We are committed to protecting your privacy and ensuring the security of your personal information. By using the Service, you agree to the collection and use of information in accordance with this policy.
Key Definitions
Personal Data: Information about an identifiable individual.
Usage Data: Automatically collected data about Service use.
Cookies: Small data files stored on your device.
2. Data We Collect
We collect several types of information to provide and improve our Service:
2.1 Personal Information
When you register for an account, we may collect:
- Full name and contact details
- Business information (for agents/merchants)
- Government-issued identification (for verification)
- Payment and banking information
2.2 Usage Data
We automatically collect information about how you access the Service:
- Device information (type, OS, unique identifiers)
- Log data (IP address, browser type, pages visited)
- Transaction history and activity logs
2.3 Location Data
With your permission, we may collect precise location data to enable location-based services.
3. How We Use Your Data
We use the collected data for various purposes:
| Purpose | Legal Basis |
|---|---|
| To provide and maintain our Service | Performance of contract |
| To notify you about changes | Legitimate interest |
| To allow customer support | Performance of contract |
| To monitor Service usage | Legitimate interest |
| To detect and prevent fraud | Legal obligation |
3.1 Data Retention
We retain personal data only as long as necessary for the purposes outlined in this policy, or as required by law.
4. Data Sharing & Disclosure
We may share your information in these situations:
4.1 Service Providers
We employ third-party companies to facilitate our Service ("Service Providers"), such as:
- Payment processors
- Cloud hosting providers
- Analytics companies
- Customer support platforms
4.2 Legal Requirements
We may disclose your data if required by law or in response to valid requests by public authorities.
4.3 Business Transfers
In connection with any merger or acquisition, we may transfer your information.
5. Data Security
We implement appropriate technical and organizational measures to protect your data:
- 256-bit SSL encryption for all data transmissions
- Regular security audits and penetration testing
- Access controls and authentication protocols
- Employee training on data protection
Security Commitment
While we strive to use commercially acceptable means to protect your data, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security but we implement industry best practices.
6. Your Data Protection Rights
Depending on your location, you may have certain rights regarding your personal data:
6.1 Access & Portability
You can request a copy of your personal data in a structured format.
6.2 Correction
You may update or correct inaccurate personal information.
6.3 Deletion
You can request deletion of your personal data under certain conditions.
6.4 Restriction & Objection
You may restrict or object to our processing of your data.
6.5 Withdraw Consent
Where we rely on consent, you may withdraw it at any time.
8. Changes to This Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "last updated" date.
You are advised to review this Privacy Policy periodically for any changes. Changes are effective when posted.
9. Contact Us
If you have any questions about this Privacy Policy, please contact us:
- Email: privacy@fcnapp.com
- Mail: FCN Technologies, Data Protection Officer, 123 Business Avenue, Karachi, Pakistan
- Phone: +92 21 1234567