MicroCurrency Privacy Policy

Effective Date: July 28, 2026

Last Updated: July 28, 2026

MicroCurrency is the merchant application of the MyCurrency platform, operated by MyCurrency ("we", "us", "our"). It lets merchants issue reward points to their customers, manage staff accounts, and let customers redeem points in store. This policy explains what information the MicroCurrency mobile app and its backend services collect, how we use it, when we share it, and the choices you have. It applies to merchants, their staff, and customers whose information a merchant enters into the app.

1. Information We Collect

Information you provide

Account information. When you register we collect your mobile phone number and a password. Passwords are stored only in hashed form. If you set a quick-access PIN, it is also stored only in hashed form.
Linked MyCurrency account. If you link your merchant account to a MyCurrency account, we store your MyCurrency username so points can be forwarded between the two services.
Staff invitations. If you invite staff members, we collect the phone numbers you provide in order to send them an invitation by SMS and to create their accounts.
Customer information entered by merchants. When a merchant sends a reward or processes a deposit, we collect the customer phone number the merchant enters, or the MyCurrency username read from a customer's QR code, in order to deliver the points to the right person.

Information collected automatically

Transaction records. Point balances, rewards issued, redemptions, transfers, and their timestamps are recorded to operate the ledger and show your transaction history.
Push notification tokens. If you allow notifications, we store a device push token (Firebase Cloud Messaging) so we can notify you about account activity.
Diagnostics. We collect crash reports and basic device information (device model, operating system version, app version) through Sentry to find and fix defects.
One-time passcodes. Login and verification codes are sent to your phone number by SMS and are stored temporarily until they expire.

Camera

The app uses your device camera only to scan a customer's MyCurrency QR code so you can send them a reward. No photos or videos are captured or stored.

What we do not collect

We do not collect your precise or approximate location, your contacts, your email address, or advertising identifiers, and the app contains no advertising or third-party analytics SDKs.

2. How We Use Information

To create and authenticate accounts (including SMS one-time passcodes).
To operate the rewards service: issuing points, processing redemptions and deposits, keeping accurate balances, and forwarding points to linked MyCurrency accounts.
To send service notifications about account activity.
To protect the service: preventing fraud and abuse, enforcing login-attempt limits, and securing accounts.
To diagnose and fix crashes and defects.
To respond to support requests and comply with legal obligations.

3. How We Share Information

We do not sell personal information and we do not share it for advertising. We share information only with:

Recipient	Purpose
MyCurrency platform	MicroCurrency is part of the MyCurrency platform. Account linking and point forwarding transmit your MyCurrency username and transaction details between the two services.
SMS delivery providers	Your phone number and the message content, solely to deliver one-time passcodes and invitation links.
Google Firebase Cloud Messaging	Device push tokens, solely to deliver push notifications.
Sentry	Crash reports and device diagnostics, solely for error monitoring.
Cloud hosting providers	Our servers and databases run on cloud infrastructure that stores the data described above on our behalf.
Legal authorities	When required by law, regulation, or valid legal process, or to protect the rights, safety, and integrity of the service.

4. Data Security

All communication between the app and our servers is encrypted in transit using TLS (HTTPS). Passwords and PINs are stored only as cryptographic hashes. Access to production systems is restricted to authorized personnel. Accounts are temporarily locked after repeated failed login attempts.

5. Data Retention and Account Deletion

We retain your information for as long as your account is active. You can delete your account at any time in the app under Settings → Account → Delete account. When you delete your account, access is revoked immediately, your phone number is removed from the account and becomes available for re-registration, and your sessions, one-time passcodes, and push tokens are destroyed.

Transaction records are retained in anonymized form after deletion because they are part of a shared ledger: other participants' balances and histories depend on them, and we keep them to meet legal, accounting, and fraud-prevention obligations.

You may also request deletion by emailing contact@mycurrency.com with the subject line "Data Deletion Request". We will process your request within 30 days.

6. Children's Privacy

MicroCurrency is a business tool intended for merchants and their staff. It is not directed to children under 13, and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact us and we will delete it.

7. Changes to This Policy

We may update this policy from time to time. Changes are posted on this page with an updated "Last Updated" date. Material changes will be communicated through the app or by notification.

8. Contact Us

If you have questions about this policy or how your data is handled, contact us:

By email: contact@mycurrency.com