Privacy Policy

Last Updated: May 18, 2025

At Combifi, we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our application.

1. Information We Collect

We collect information that you provide directly to us when using our application, including:

  • Financial information (expense data, transaction details, Wallet or Account identifier such as QR code)
  • Usage data (how you interact with our application)
  • The information you provide within the application (such as your email address, group name and members, or operations) may be collected by our Service, stored on your device and/or send to our Server.
  • For a better experience, while using our Service, we may require you to provide us with certain personally identifiable information.

2. How We Use Your Information

We use the information we collect to:

  • Combifi is designed to help you track and share expenses with your friends. We share some of your personal information (name, email address, phone number, user avatar) with your friends and groupmates on Combifi. Someone who knows your email address and/or phone number will be able to add you as a friend and see your name, email address, and user avatar. They will not be able to see expenses that you have added with other friends unless you include them on those expenses or in a group.
  • Combifi to allow user to share the bank or e-wallet identifier such as image of QR code to their friends to collect payment. This sharing of your account or e-wallet identifiers are done through both app and web platforms.

3. Sharing Your Information

We do not sell your personal information. We may share your information with:

  • Service providers who perform services on our behalf
  • Other users when you choose to share information through our platform
  • When required by law or to protect our rights

We may employ third-party companies and individuals due to the following reasons:

  • To facilitate our Service;
  • To provide the Service on our behalf;
  • To perform Service-related services; or
  • To assist us in analyzing how our Service is used.

4. Data Security

We implement appropriate security measures to protect your personal information. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee its absolute security.

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by Sesterce. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

5. Your Rights; Data Retention

Depending on your location, you may have rights regarding your personal information, including:

  • Accessing and updating your information
  • Requesting deletion of your data
  • Objecting to certain uses of your information

Data Retention

In accordance with and as permitted by applicable law and regulations, we will retain your information as long as necessary to serve you, to maintain your account for as long as your account is active, or as otherwise needed to operate our business. We may also retain personal information to comply with law, prevent fraud, resolve disputes, enforce our Terms of Service, and as permitted by applicable law.

If you would like to fully delete your account and the information in it, you can write to us at [email protected]. We will use commercially reasonable efforts to remove your personal information from our services so long as we do not have any legal reason or obligation to retain the record. It may take up to 90 days for your information to be cleared from our servers.

When you change or delete personal information, or close your account from your Account Settings page, expenses involving you (either that you have shared or that have been shared with you) and your name may remain visible to people with whom they have been shared as part of their records (just as deleting an email account does not unsend emails that have already been sent).

6. 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.

7. Contact Us

If you have questions about this Privacy Policy, please contact us at [email protected].