1. Introduction
ZivaPay+ ("the App", "we", "us") is a personal finance tool that helps you track your mobile money transactions automatically. This Privacy Policy explains what the App accesses, what it keeps on your device, and the limited, anonymous information we use to keep the App working well. We are committed to protecting your privacy — by design, not just by policy.
The App is operated by Neyoni Technologies (Pvt) Ltd, Zimbabwe.
2. Information the App Accesses on Your Device
The App requests the following so it can do its job:
- SMS messages — the App reads mobile money confirmation messages (e.g. EcoCash, InnBucks) on your phone to display your transaction history, balances, and spending summaries. It looks only for these financial messages; ordinary personal texts are ignored.
- Notifications — to show spending alerts and reminders you choose to enable in the App.
This information is processed entirely on your device and is not transmitted to us.
3. How Your Transaction Information Is Used
- Your mobile money messages are read and analysed on your device only.
- The resulting transaction data is used to display your history, balances, analytics, and money-tracking features inside the App.
- Exported reports (PDF / Excel) are generated on your device and are shared only when you choose to export and share them.
- Notifications and reminders are generated locally based on settings you choose.
4. Where Your Data Is Stored
Your messages and transaction records are stored in a private database on your device. We do not upload, back up, or store your transactions, balances, or message content on any server or in the cloud.
You stay in control: clearing the App's data or uninstalling the App permanently removes all of this on-device information.
5. Analytics & Crash Reporting (Google Firebase)
To keep the App stable and understand which features are useful, the App uses Google Firebase Analytics and Firebase Crashlytics. These collect limited, anonymous information:
- App-interaction events — e.g. which screens are opened and which features are used, in a general (grouped) form.
- Crash logs & diagnostics — technical details about errors and your device (such as device model and Android version) that help us fix problems.
- A device identifier used by Firebase to group events from the same installation.
This information never includes the content of your messages, your contacts, your balances, or your transaction amounts. The App does not use an advertising ID, does not show ads, and does not work with any ad networks. This Firebase data is processed by Google as our service provider, in line with Google's privacy terms.
6. Data Sharing
We do not sell, rent, or trade your personal data. Your mobile money messages and transaction records never leave your device.
The only information shared with a third party is the anonymous analytics and crash-diagnostic data described in Section 5, which is sent to Google Firebase to keep the App working and improving. We may also disclose information if required to do so by law.
7. Third-Party Services
The App uses Google Firebase (Analytics and Crashlytics) for anonymous usage statistics and crash reporting. It does not integrate any advertising networks or ad-tracking services, and there are no ads in ZivaPay+.
8. Permissions Explained
- READ_SMS — required to read mobile money confirmation messages. Without it, the App cannot track your transactions.
- POST_NOTIFICATIONS — to deliver the spending alerts and reminders you enable. You can turn these off any time in your device settings.
- SCHEDULE_EXACT_ALARM — to deliver scheduled reminders and summaries at the right time.
- RECEIVE_BOOT_COMPLETED — to restore your scheduled reminders after your phone restarts.
- VIBRATE — for notification feedback only.
9. Your Data Protection Rights (Zimbabwe)
We process personal information in line with Zimbabwe's Cyber and Data Protection Act [Chapter 12:07], which is overseen by the data protection authority, the Postal and Telecommunications Regulatory Authority of Zimbabwe (POTRAZ).
Because your messages and transactions are kept on your own device, you remain in direct control of that information. In particular, you can:
- Access and review your transaction data at any time within the App.
- Correct or remove records, or delete everything, by clearing the App's data or uninstalling it.
- Limit analytics by disabling usage and diagnostics collection in your device settings.
For any data-protection question or request, contact us using the details in Section 12. The data controller is Neyoni Technologies (Pvt) Ltd, Zimbabwe.
10. Children's Privacy
ZivaPay+ is not directed at children under the age of 13, and we do not knowingly collect information from children.
11. Security
Your messages and transactions are kept on your device and protected by your device's own security (PIN, fingerprint, etc.). The anonymous analytics and crash data sent to Firebase is transmitted over encrypted connections. We recommend keeping your device locked and your software up to date.
12. Contact Us
If you have any questions about this Privacy Policy or the App, contact us at: hello@zivapayplus.com
13. Changes to This Policy
We may update this Privacy Policy from time to time. Any changes will be shown on this page with an updated date. Please review this policy periodically.