Privacy Policy

InnovatelHub Solutions Limited ("InnovatelHub", "we", "us", or "our") respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our mobile applications published on Google Play and related services (collectively, the "Services").

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

This policy applies to all InnovatelHub mobile applications, including but not limited to:

• MoneySaver — community savings and group finance
• EduCards — digital school report cards and education management
• InnovatelHub Network — public WiFi and hotspot management
• VanuTransit — cashless bus fare collection
• Assets Management — organizational asset tracking
• Other InnovatelHub business and platform applications

Depending on the app you use, we may collect the following types of information:

• Account information: name, email address, phone number, username, and password (stored securely).
• Profile and organization data: group membership, school or business details, roles, and preferences.
• Financial and transaction data: savings contributions, loan records, payment history, and related financial activity (MoneySaver and finance apps).
• Education data: student records, grades, attendance, and report card information (EduCards and education apps).
• Usage and device data: app interactions, device type, operating system version, unique device identifiers, IP address, and crash logs.
• Location data: only when required for specific features (such as transport or connectivity services) and with your permission.
• Communications: messages sent through our apps and support requests you submit to us.

We use collected information to:

• Provide, operate, and maintain our apps and services
• Create and manage user accounts
• Process transactions and display financial or operational records
• Send service-related notifications, alerts, and updates
• Improve app performance, security, and user experience
• Respond to support requests and communicate with you
• Comply with legal obligations and enforce our terms

We do not sell your personal information. We may share information only in these cases:

• Within your organization: with group admins, schools, or businesses you belong to, as required by the app's purpose.
• Service providers: trusted third parties that help us host, secure, or operate our services (e.g. cloud hosting, analytics, payment processing), under strict confidentiality agreements.
• Legal requirements: when required by law, regulation, court order, or to protect the rights and safety of InnovatelHub, our users, or others.
• Business transfers: in connection with a merger, acquisition, or sale of assets, with notice where required by law.

We retain personal information only for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce agreements. When data is no longer required, we securely delete or anonymize it.

We implement appropriate technical and organizational measures to protect your information, including encryption in transit, access controls, and secure authentication. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

Depending on applicable law, you may have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete data
• Request deletion of your account and associated data
• Withdraw consent where processing is based on consent
• Opt out of non-essential communications

To exercise these rights, contact us using the details in Section 12. We will respond within a reasonable timeframe.

Our apps are not directed at children under 13 years of age. We do not knowingly collect personal information from children under 13. If you believe a child has provided us with personal information, please contact us and we will take steps to delete it.

Education apps such as EduCards may process student data on behalf of schools and parents. In those cases, the school or authorized guardian is responsible for obtaining appropriate consent.

Our apps may link to or integrate with third-party services (such as payment providers or authentication services). Those services have their own privacy policies, and we are not responsible for their practices. We encourage you to review their policies before use.

We may update this Privacy Policy from time to time. We will post the revised policy on this page and update the effective date. Continued use of our apps after changes constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy or how we handle your data, please contact us:

• Company: InnovatelHub Solutions Limited
• Address: Etas, Efate, Vanuatu
• Phone: +678 7792127
• Email: info@innovatelhubltd.com
• Support: admin@innovatelhubltd.com
• Website: innovatelhubltd.com/contact