Privacy Policy

How we collect, use, and protect your information.

This Privacy Policy explains what information Recibia collects, how we use it, how we protect it, and the rights you have under applicable data protection laws, including the GDPR and CCPA.

1. Information We Collect

Information you provide

  • Name, email address, phone number
  • Account and profile details
  • Club, cycle, contribution, distribution, and participation information
  • Support requests and communications

If required, we may collect identity verification information to protect users and prevent misuse.

Information generated through use

  • Contribution, distribution, and cycle activity records
  • Club and cycle participation history
  • Timestamps, statuses, and activity logs

Technical information

  • Device type, operating system, and app version
  • IP address and approximate location
  • Log files and error diagnostics

2. How We Use Your Information

We use your information to:

  • Operate and maintain the platform
  • Enable participation in clubs, cycles, contributions, distributions, and related platform activities
  • Verify identity, prevent fraud, satisfy compliance requirements, and maintain platform integrity
  • Provide transparency to participants
  • Monitor for fraud, risk, or abuse
  • Respond to support requests
  • Improve product performance and reliability

We do not sell personal data or use it to offer financial products.

3. Visibility Within Clubs

To ensure transparency:

  • Contribution status, payout order, and cycle participation are visible to relevant club members
  • Sensitive personal information (such as contact details or verification data) is not shared unless you choose to share it

4. Data Sharing

We may share information only when necessary:

  • With trusted service providers that support hosting, identity verification, fraud prevention, banking connectivity, payment processing, analytics, customer support, and platform operations.
  • To comply with legal obligations
  • To protect users, the platform, or the public

All partners are required to handle data securely and only for permitted purposes.

These providers may include third-party partners such as payment processors, identity verification providers, and cloud infrastructure providers.

5. Identity Verification & Fraud Prevention

To protect users and maintain platform integrity, Recibia may verify identity, review activity, and use third-party providers to help detect fraud, abuse, suspicious behavior, or violations of our Terms.

Identity verification may require the collection and processing of government-issued identification, photographs, and related information through trusted service providers.

Information collected for verification and fraud prevention may be retained as required by law, compliance obligations, or legitimate business interests.

6. Security Practices

We use industry-standard safeguards, including:

  • Encryption in transit and at rest
  • Access controls and internal permissions
  • Continuous monitoring for suspicious activity

While no system is completely secure, we work continuously to protect your data.

7. Data Retention

We retain personal information only as long as necessary to:

  • Provide services
  • Meet legal and regulatory obligations
  • Resolve disputes or enforce agreements

Certain information may be retained after account closure when required to satisfy legal, regulatory, fraud prevention, security, accounting, or dispute resolution obligations.

Data is securely deleted or anonymized when no longer required.

8. Your Rights (GDPR & CCPA)

For users in the European Economic Area (GDPR)

You have the right to:

  • Access your personal data
  • Correct inaccurate or incomplete data
  • Request deletion of your data ("right to be forgotten")
  • Restrict or object to certain processing
  • Data portability, where applicable

Our legal bases for processing include:

  • Performance of a contract
  • Legitimate interests (such as fraud prevention)
  • Legal obligations

For California residents (CCPA / CPRA)

You have the right to:

  • Know what personal information we collect and how it's used
  • Request deletion of your personal information
  • Correct inaccurate personal data
  • Opt out of the sale or sharing of personal information (we do not sell personal data)
  • Non-discrimination for exercising your rights

9. How to Exercise Your Rights

To exercise your privacy rights, you may:

  • Submit a request through the Help Center
  • Contact us using the information provided below

We may verify your identity before processing certain requests to protect your data.

We may request additional information to verify your identity before fulfilling privacy-related requests.

10. Cookies & Tracking

We use cookies and similar technologies to:

  • Keep you signed in
  • Remember preferences
  • Analyze usage to improve the platform

You can manage cookies through your browser or device settings.

11. Children's Privacy

Recibia is not intended for individuals under 18. We do not knowingly collect personal information from minors.

12. International Data Transfers

Your information may be processed or stored in countries other than your own. When we transfer data internationally, we apply appropriate safeguards to protect your rights.

13. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through the app or email.

Continued use of Recibia means you accept the updated policy.

14. Contact Us

If you have questions or wish to exercise your privacy rights, please contact us through the Help Center or at support@recibia.com.

Summary

Recibia collects only what's necessary to:

  • Enable participation in trusted clubs and structured cycles
  • Protect users and communities
  • Operate the platform responsibly

Your data is never sold—and is handled with care.