Privacy Policy

1. Overview

This Privacy Policy explains how Sikgaan (“we”, “us”) collects, uses, and protects your personal data when you use our website and WhatsApp assistant. By using our services, you agree to this Policy. For terms of use, see our Terms of Service.

2. Data We Collect

• Contact data: email, phone number, country code.
• Preference data: spending category, current cards, response style.
• Optional profile data: monthly spending, income range, age range, occupation.
• Usage data: pages visited, clicks, device/browser info, timestamps.
• UTM parameters: campaign source/medium where provided.
• Chat data: messages you send to our WhatsApp assistant.

3. How We Use Data

• Provide and personalize banking deal recommendations.
• Send the WhatsApp chat link and essential service messages.
• Improve features, UX, and service reliability.
• Detect, prevent, and respond to fraud or abuse.
• Comply with legal obligations and enforce our Terms.
• With your consent, send updates or marketing you opt in to.

4. Legal Bases

We process your data under one or more of the following legal bases:

• Contractual necessity (to provide the service you request).
• Legitimate interests (e.g., service improvement, security).
• Consent (e.g., optional marketing or sensitive fields).
• Legal obligation (where applicable).

5. Data Retention

We keep personal data only as long as necessary for the purposes described above, unless a longer retention period is required or permitted by law. We periodically review and anonymize or delete data that’s no longer needed.

6. Sharing & Processors

We do not sell your personal data. We may share limited data with trusted service providers (e.g., hosting, analytics, email delivery, WhatsApp integration) under data processing agreements and strict confidentiality. We may also share data if required by law or to protect rights, safety, or security.

7. International Transfers

If data is transferred outside your jurisdiction, we implement appropriate safeguards (e.g., contractual clauses) to protect your information in accordance with applicable law.

8. Your Rights

Depending on your location, you may have rights to access, correct, delete, or restrict processing of your personal data, object to processing, or request data portability. You can also withdraw consent at any time. To exercise rights, contact privacy@sikgaan.com.

9. Cookies & Tracking

We may use cookies or similar technologies to remember preferences, analyze traffic, and improve the service. You can manage cookies in your browser settings. Some features may not function without certain cookies.

10. Security

We use technical and organizational measures to protect your data (e.g., encryption in transit, access controls). No method of transmission or storage is 100% secure; we work continuously to enhance our safeguards.

11. Children’s Privacy

Our services are not directed to children under 18. If you believe a child provided us personal data, please contact us and we will take appropriate steps to remove it.

12. Changes to this Policy

We may update this Privacy Policy from time to time. Material changes will be signposted by updating the “Last updated” date above. Your continued use of the service indicates acceptance of the updated Policy.

13. Contact Us

Questions about this Policy or your data? Email privacy@sikgaan.com. For terms of use, see Terms of Service.