Privacy Policy

1. Introduction

Melo ("we," "our," or "us") is a financial wellness application designed to help users build healthy savings habits through goal setting, community challenges, and AI-powered guidance. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you use our mobile application and website (collectively, the "Service").

By using Melo, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please do not access or use the Service.

2. Information We Collect

2.1 Information You Provide

• •Account Information: Name, email address, country of residence, and preferred currency when you create an account.
• •Savings Goals: Goal names, target amounts, deadlines, and progress updates you enter into the app.
• •Vision Board Content: Images you upload to your personal vision board.
• •Challenge Participation: Data related to community savings challenges you join.
• •Communications: Messages you send to us for support or feedback.

2.2 Information Collected Automatically

• •Device Information: Device type, operating system, unique device identifiers, and mobile network information.
• •Usage Data: App interaction data, features used, session duration, and crash reports.
• •Log Data: IP address, browser type, pages visited, and timestamps.

2.3 Information We Do NOT Collect

3. How We Use Your Information

We use the information we collect to:

• •Provide, operate, and maintain the Service
• •Personalize your experience, including AI-powered savings tips and encouragement
• •Send notifications about your goals, challenges, and milestones
• •Improve and develop new features based on usage patterns
• •Communicate with you about updates, security alerts, and support
• •Detect, prevent, and address technical issues and fraud

4. AI-Powered Features and Data

Melo uses artificial intelligence to provide personalized savings guidance and encouragement. When using AI features:

• •Your savings goal data is processed to generate relevant tips and motivation
• •Data sent to AI systems is anonymized and does not include personally identifiable information
• •AI-generated content is not stored beyond your active session unless you choose to save it
• •We do not use your data to train third-party AI models

5. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• •Service Providers: With trusted third-party services that help us operate the app (e.g., cloud hosting, email delivery, analytics)
• •Legal Requirements: When required by law, regulation, or legal process
• •Safety: To protect the rights, property, or safety of Melo, our users, or the public
• •With Your Consent: When you explicitly agree to share information (e.g., public challenge participation)

6. Data Security

We implement industry-standard security measures to protect your data:

• •JWT-based authentication with secure token rotation
• •Email verification via one-time passwords (OTP)
• •Rate limiting to prevent brute-force attacks
• •Encrypted data transmission using HTTPS/TLS
• •Regular security audits and vulnerability assessments

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to provide the Service and fulfill the purposes outlined in this policy. When you delete your account, we will delete or anonymize your personal data within 30 days, except where we are required to retain it for legal or regulatory purposes.

8. Your Rights

Depending on your location, you may have the following rights regarding your personal data:

• •Access: Request a copy of the personal data we hold about you
• •Correction: Request correction of inaccurate or incomplete data
• •Deletion: Request deletion of your personal data and account
• •Portability: Request your data in a structured, machine-readable format
• •Objection: Object to certain processing of your personal data

To exercise any of these rights, please contact us at hello@melohub.com.

9. Notifications and Communications

Melo may send you notifications via push notifications, email, or WhatsApp to keep you informed about your savings goals, challenge updates, and milestones. You can manage your notification preferences in the app settings at any time. We will always send essential security and account-related communications regardless of your notification preferences.

10. Children's Privacy

Melo is not intended for use by children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have collected personal data from a child under 13, we will take steps to delete that information promptly.

11. International Data Transfers

Melo operates across multiple African countries. Your information may be transferred to and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your data in accordance with this privacy policy and applicable data protection laws.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. We encourage you to review this policy periodically for any changes.

13. Contact Us

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