Privacy Policy
1. Introduction
Nemala (“Nemala”, “we”, “our”, or “us”) respects your privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you use the Nemala mobile application, website, and related services.
Nemala is a budgeting and financial wellness platform. Nemala does not operate as a bank, wallet, lending service, insurance provider, investment platform, or payment service provider.
2. Information We Collect
2.1 Account Information
- Name
- Email address
- Phone number, where provided
- Password or authentication credentials
- Profile preferences
2.2 Budgeting and Usage Information
- Budget categories and budget amounts
- Income entries voluntarily added by you
- Expense entries voluntarily added by you
- Savings goals and progress information
- Budget health score and app activity
2.3 Device and Technical Information
- Device type and operating system
- IP address
- App version
- Crash logs
- Usage analytics
3. How We Use Your Information
- To create and manage your Nemala account
- To provide budgeting, expense tracking, and goal tracking tools
- To generate reports, reminders, and personalised budgeting insights
- To improve app performance and user experience
- To provide customer support
- To prevent misuse, fraud, and unauthorised access
- To comply with applicable legal and regulatory obligations
4. Legal Basis for Processing
We process personal information based on consent, performance of a contract, legitimate business interests, and compliance with legal obligations.
5. Sharing of Information
Nemala does not sell your personal information. We may share information with trusted service providers who support hosting, analytics, authentication, customer support, security, and app operations. We may also disclose information when required by law or lawful authority.
6. Data Security
We use reasonable technical and organisational safeguards, including encryption, access controls, secure authentication, monitoring, and data backup procedures. No digital platform can guarantee absolute security, but we take reasonable steps to protect your information.
7. Data Retention
We retain personal information only for as long as necessary to provide Nemala services, comply with legal obligations, resolve disputes, prevent fraud, and enforce our agreements. When no longer required, data may be deleted, anonymised, or securely archived.
8. Your Rights
Subject to applicable law, you may request to access, correct, delete, export, or restrict the processing of your personal information. You may also withdraw consent where processing is based on consent.
9. Account Deletion
You may request account deletion through the app or by contacting support. Some information may be retained where legally required or necessary for fraud prevention, dispute resolution, security, or compliance.
10. Children’s Privacy
Nemala is not intended for children under 18 years. We do not knowingly collect personal information from children without appropriate consent. If we discover such information, we will take steps to delete it.
11. International Transfers
Your information may be processed or stored outside your country of residence. Where this occurs, we take reasonable steps to ensure appropriate protection.
12. Contact
For privacy requests, contact us at getnemala@gmail.com.
Terms of Service
1. Acceptance of Terms
By downloading, accessing, or using Nemala, you agree to these Terms of Service. If you do not agree, do not use Nemala.
2. About Nemala
Nemala is a budgeting and personal financial wellness platform that helps users create budgets, track expenses, set goals, and build better money habits. Nemala does not provide banking, lending, payments, insurance, investment, accounting, tax, or legal services.
3. User Responsibilities
- Provide accurate account information
- Keep your login details secure
- Use the platform lawfully and responsibly
- Review your own budget decisions carefully
- Notify us of suspected unauthorised access
4. Account Registration
You may need to create an account to use certain features. You are responsible for activities under your account.
5. Acceptable Use
You must not misuse Nemala, attempt unauthorised access, upload malware, interfere with the platform, impersonate others, scrape data, or use Nemala for illegal activities.
6. Subscriptions
Some Nemala features may be free. Premium features may require a paid subscription. Subscription billing, cancellation, and refunds may be handled through Apple App Store, Google Play, or other approved billing channels.
7. Intellectual Property
All Nemala trademarks, logos, designs, content, software, and platform features belong to Nemala or its licensors. You receive a limited, non-exclusive, non-transferable licence to use the platform for personal use.
8. Service Changes
We may improve, modify, suspend, or discontinue parts of the service from time to time.
9. Limitation of Liability
To the fullest extent permitted by law, Nemala will not be liable for indirect, incidental, consequential, special, or punitive damages arising from your use of the platform.
10. Termination
We may suspend or terminate accounts that violate these terms, threaten platform security, or misuse the service.
11. Contact
For support, contact getnemala@gmail.com.
User Agreement
1. User Licence
Nemala grants you a limited, personal, revocable, non-exclusive, non-transferable licence to use the app and related services.
2. User Conduct
You agree not to misuse Nemala, compromise platform security, copy or reverse engineer the service, or use the platform for unlawful purposes.
3. User Content
You remain responsible for information you enter into Nemala. You grant Nemala permission to process this information only as needed to provide and improve the service.
4. Account Security
You are responsible for protecting your account credentials and devices.
5. Suspension
Nemala may suspend accounts that breach this agreement or threaten the integrity of the platform.
Data Processing Agreement
1. Purpose
This Data Processing Agreement describes how Nemala processes personal data in connection with the Nemala app, website, and services.
2. Processing Activities
Nemala processes data to provide budgeting tools, account management, analytics, support, security, and service improvement.
3. Confidentiality
Personnel and service providers with access to personal data are expected to maintain confidentiality and use data only for authorised purposes.
4. Security Measures
- Access controls
- Encryption where appropriate
- Secure authentication
- Monitoring and logging
- Data backup and recovery procedures
5. Subprocessors
Nemala may use trusted service providers for hosting, analytics, communication, support, authentication, and security. These providers are expected to apply appropriate safeguards.
6. Data Subject Requests
Nemala will take reasonable steps to support user requests for access, correction, deletion, restriction, portability, and withdrawal of consent.
7. Cross-Border Transfers
Where personal data is transferred internationally, Nemala will apply reasonable safeguards consistent with applicable data protection laws.
Disclaimer
1. Budgeting Tool Only
Nemala is designed to help users organise budgets, expenses, goals, and personal money habits.
2. No Professional Advice
Nemala does not provide financial, investment, tax, accounting, legal, insurance, lending, or banking advice. Any insights, reports, scores, or recommendations are informational and educational only.
3. User Responsibility
You are responsible for your personal decisions, spending choices, savings choices, and financial commitments. Consult a qualified professional where necessary.
4. Accuracy
Nemala depends on the information users enter. We cannot guarantee that reports or insights will be accurate if user data is incomplete or incorrect.
Subscription and Refund Policy
1. Free and Premium Features
Nemala may offer free features and paid premium features. Premium access may include advanced budgeting tools, detailed reports, family budgeting, and other enhanced features.
2. Billing
Subscriptions may be billed monthly or annually. If purchased through Apple App Store or Google Play, billing is managed by the applicable platform.
3. Auto-Renewal
Subscriptions may renew automatically unless cancelled before the renewal date.
4. Cancellation
You may cancel subscriptions through the relevant app store account settings or any billing channel provided by Nemala.
5. Refunds
Refunds for purchases made through Apple App Store or Google Play are subject to the policies of those platforms. Nemala may consider other refund requests where required by law or where we determine it is appropriate.
Account Deletion Policy
1. Right to Delete
Users may request deletion of their Nemala account through the app or by contacting support.
2. What Deletion Means
Account deletion may remove profile data, budget entries, expense records, goals, preferences, and related user information from active systems.
3. Retained Information
Some information may be retained for a limited period where necessary for legal compliance, security, fraud prevention, audit, dispute resolution, or backup integrity.
4. How to Request Deletion
Contact getnemala@gmail.com or use the in-app account deletion feature when available.
Acceptable Use Policy
1. Prohibited Activities
- Unauthorised access or attempted hacking
- Uploading malware or harmful code
- Using Nemala for fraud or unlawful activity
- Scraping, copying, or reverse engineering the platform
- Harassment, abuse, hate speech, or harmful conduct
- Impersonation or false representation
- Interference with app performance or security
2. Enforcement
Nemala may restrict, suspend, or terminate accounts that violate this policy.
Data Retention Policy
1. Retention Principle
Nemala keeps personal information only for as long as necessary to provide services, comply with legal obligations, resolve disputes, improve security, and enforce agreements.
2. Retention Categories
- Account data: retained while the account is active.
- Budgeting data: retained while the account is active unless deleted by the user.
- Support records: retained as needed for customer support and dispute resolution.
- Analytics data: may be retained in aggregated or anonymised form.
- Security logs: retained for a limited period for fraud prevention and platform protection.
3. Deletion and Anonymisation
When data is no longer required, it may be securely deleted, anonymised, or archived according to internal retention procedures.