Privacy Policy

iGoal MyFinance (app ID com.igoal.finance) is operated by Opulence Capital Investments Ltd ("we", "us"). We are the data controller for personal data processed through the app on Android, iOS and the web. Contact: hello@igoalfinance.com.

We only collect what is needed to run your financial plan:

• Account data: full name, email address, phone number (optional), country, and your sign-in history (latest sign-in email and time).
• Financial data you enter: income, account balances, expenses, bills, transfers, goals, debts and emergency buffer amounts.
• Identity verification: if you choose to verify, your Bank Verification Number (BVN) is sent once to our licensed verification partner to confirm your name and phone. We do not store your BVN.
• Connected bank data (optional): with your explicit consent, read-only account name, masked account number, bank name, balance and transactions from accounts you select. We never see or store your bank login details and cannot move money.
• Coach messages and voice: questions you type or speak to the Coach. Voice recordings are converted to text and are not kept after transcription.
• Device data: push notification token, device platform, app version and basic error/diagnostic logs.
• Purchase data: subscription status and receipt identifiers from Google Play or the App Store. We never receive your card details.

Your 4-digit app PIN, fingerprint and Face ID are handled by your phone's operating system and stored only on your device. Biometric data is never sent to us. Welcome-screen and tour progress are also stored locally.

• To calculate Safe-to-Spend, allocations, affordability checks and your financial health score.
• To generate personalised Coach guidance and action plans from your figures.
• To send reminders and notifications you have switched on (bills, goals, tips).
• To verify your identity, secure your account and prevent fraud.
• To provide and manage iGoal Pro subscriptions.
• To fix errors and improve the app.

We process data to perform our contract with you, with your consent (bank connection, BVN verification, notifications, microphone), to meet legal obligations, and for our legitimate interest in keeping the service secure. You can withdraw consent at any time in the app.

We never sell your data and never share it with advertisers or data brokers. We share only the minimum needed with service providers acting on our instructions:

• Cloud hosting and database providers (store your account securely).
• Identity verification and open-banking partners (only when you choose to verify or connect a bank).
• AI processing providers (to produce Coach answers and voice transcription; not used to train their models on your data).
• Push notification services (Google Firebase / Apple Push Notification service).
• App stores (Google Play, Apple App Store) for subscription billing.
• Authorities, when required by law.

Data is encrypted in transit (HTTPS/TLS) and at rest. Access is restricted so each user can only read their own records. App access is protected by PIN or biometric lock.

We keep your data while your account is active. You can disconnect a bank at any time. To delete your account and all associated data, email hello@igoalfinance.com from your registered email with the subject "Delete my account"; we complete deletion within 30 days, except records we must keep by law.

Under the Nigeria Data Protection Act 2023 (and GDPR/PIPEDA where applicable) you may access, correct, export or delete your data, object to processing, and withdraw consent. Contact hello@igoalfinance.com. You may also complain to the Nigeria Data Protection Commission.

iGoal MyFinance is not intended for anyone under 18 and we do not knowingly collect children's data.

Our providers may process data outside your country. We use providers with appropriate safeguards for international transfers.

We will post updates on this page and notify you in the app of significant changes.

Opulence Capital Investments Ltd — hello@igoalfinance.com