Privacy Policy

1. Introduction

Welcome to Lenden. We value your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, and safeguard your information when you use our mobile application.

2. Information We Collect

To provide our peer-to-peer financial services, we collect or access the following types of information:

• Account Information: Name, email address, and phone number provided during registration (Verified via OTP).
• Contact Information: With your explicit permission, we access your device's contact list to help you quickly find and add participants to your ledger. We do not store your entire contact list on our servers; only the specific contact you choose to add is recorded in your personal ledger.
• Transaction Data: Records of lending and borrowing, including amounts, dates, participant names, and phone numbers.
• User Media: Profile pictures or avatars uploaded by the user.
• Device Information: Unique device identifiers and operating system version for security and messaging purposes.

3. How We Use Your Information

We use the collected data for the following essential purposes:

• To maintain your personal lending and borrowing ledger.
• To facilitate secure peer-to-peer transactions.
• To send security codes (OTPs) and critical account notifications.
• To provide financial analytics and insights through our dashboard.

4. Third-Party Services

We integrate with a limited number of trusted third-party providers to ensure app functionality:

• Google Firebase: Used for authentication, cloud database (Firestore), and push notifications (Firebase Messaging).
• Cloudflare R2: Used for secure storage of user-uploaded images and avatars.
• Brevo (formerly Sendinblue): Used for delivering transactional emails and security OTPs.

5. Push Notifications

With your consent, we may send you push notifications regarding your transactions, security alerts, and account updates. You can manage these notifications through your device settings at any time.

6. Data Deletion and Retention

We believe you should have full control over your data. You may delete your account and all associated personal and transactional data at any time through the app settings. Once deleted, this data is permanently removed from our servers and cannot be recovered.

6. Security

We implement bank-grade security measures, including 4-digit PIN protection for transactions and encrypted transport for all data. However, please note that no method of electronic transmission or storage is 100% secure.

7. Children's Privacy

Lenden does not knowingly collect personally identifiable information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us.

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 Privacy Policy on this page and updating the "Last Updated" date.

9. Contact Us

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