Privacy Policy

1. Introduction

PesaMali ("we," "our," or "us") operates the PesaMali mobile application and website (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. By accessing or using PesaMali, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our Service.

2. Information We Collect

2.1 Personal Information

When you create an account or use our Service, we may collect:

• Your display name or username
• Email address
• Phone number (if provided for account verification)
• Profile picture (if uploaded)
• Authentication credentials (securely hashed passwords or third-party OAuth tokens)

2.2 Game Data

We automatically collect data related to your gameplay, including:

• Match history, scores, and outcomes
• In-game actions (dice rolls, card plays, asset purchases)
• Pesa Points balance and transaction history
• Tournament participation and rankings
• Friends list and social interactions within the app

2.3 Device & Technical Information

We may collect technical data such as:

• Device type, model, and operating system version
• Unique device identifiers
• IP address and approximate location (country/region level)
• App version and crash/error logs
• Usage patterns (session duration, feature engagement)

2.4 Payment Information

If you make in-app purchases or token transactions, payment processing is handled by third-party providers (e.g., Paystack, Google Play, Apple App Store). We do not store your full credit/debit card details. We may receive transaction confirmations, amounts, and reference IDs from these providers.

3. How We Use Your Information

We use the information we collect to:

• Create and manage your account
• Provide, operate, and maintain the Service
• Match you with other players for games and tournaments
• Track game progress, scores, and leaderboard standings
• Process in-app purchases and token transactions
• Send you notifications about matches, friend requests, and tournaments
• Provide AI-powered game analysis and financial literacy tips
• Detect and prevent fraud, cheating, or abuse
• Improve the Service through analytics and bug tracking
• Respond to your support inquiries
• Comply with legal obligations

4. Information Sharing & Disclosure

We do not sell your personal information. We may share your data in the following limited circumstances:

• With Other Players: Your display name, profile picture, game stats, and leaderboard rankings are visible to other users.
• Service Providers: We share data with trusted third parties who help us operate the Service (e.g., hosting, analytics, payment processing, push notifications).
• Legal Requirements: We may disclose information if required by law, regulation, legal process, or governmental request.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share information for any other purpose with your explicit consent.

5. Data Security

We implement industry-standard security measures to protect your information, including encrypted data transmission (TLS/SSL), secure password hashing, access controls, and regular security audits. However, no method of electronic transmission or storage is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. Game data (match history, stats) is retained indefinitely to maintain leaderboards and historical records. If you request account deletion, we will remove your personal information within 30 days, though anonymized gameplay data may be retained for analytics purposes.

7. Your Rights & Choices

Depending on your jurisdiction, you may have the right to:

• Access and receive a copy of your personal data
• Correct inaccurate or incomplete information
• Request deletion of your account and associated data
• Opt out of marketing communications and push notifications
• Withdraw consent for data processing (where applicable)
• Lodge a complaint with a data protection authority

To exercise any of these rights, contact us at hello@moski.money.

8. Children's Privacy

PesaMali is designed as an educational financial literacy game suitable for users of all ages. However, we do not knowingly collect personal information from children under 13 without parental consent. If you believe a child under 13 has provided us with personal information, please contact us and we will promptly delete it.

9. Third-Party Services

Our Service may contain links to or integrations with third-party services (e.g., Google Play Store, Apple App Store, Paystack, Expo). These services have their own privacy policies, and we are not responsible for their practices. We encourage you to review their policies before providing any information.

10. Cookies & Tracking

Our website may use cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and remember your preferences. You can control cookie settings through your browser. The mobile application does not use browser cookies but may use device-level identifiers for analytics.

11. International Data Transfers

PesaMali is operated from Kenya. If you access the Service from outside Kenya, your information may be transferred to and processed in Kenya or other countries where our servers and service providers are located. By using the Service, you consent to the transfer of your information to these jurisdictions, which may have different data protection laws than your country of residence.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice within the app or sending a notification. Your continued use of the Service after changes are posted constitutes your acceptance of the updated policy. We encourage you to review this page periodically.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: