Privacy Policy

1. Introduction

Selpo respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how information is collected, used, stored, and shared.

2. Information We Collect

• Name and username
• Email address
• Phone number
• Profile information
• Debt and customer records
• Payment and transaction history
• Wallet activity
• Device and browser information
• IP address
• Usage analytics and logs

3. How We Use Information

• Provide and improve Selpo services
• Create and maintain user accounts
• Process payments and transactions
• Send reminders and notifications
• Prevent fraud and abuse
• Provide customer support
• Meet legal and regulatory requirements

4. Debt and Customer Information

Selpo stores debt records, payment records, customer balances, and financial relationship information entered by users.

Users are responsible for ensuring they have lawful authority to upload and manage such information.

5. Public Links

Public statements, payment pages, invoices, and shareable links may contain information visible to anyone who possesses the link.

6. Payment Processing

Payments may be handled through third-party providers. Such providers may collect and process information according to their own privacy policies and legal obligations.

7. Communications

Selpo may send account notifications, reminders, emails, SMS messages, WhatsApp messages, push notifications, security alerts, and service announcements.

8. Sharing Information

We do not sell personal information.

Information may be shared with:

• Payment processors
• Cloud hosting providers
• Analytics providers
• Communication service providers
• Government authorities when legally required

9. Data Security

Selpo implements reasonable administrative, technical, and organizational safeguards to protect user information.

However, no system can guarantee absolute security.

10. Data Retention

Information may be retained as long as necessary to provide services, comply with legal obligations, resolve disputes, enforce agreements, and maintain records.

11. User Rights

Subject to applicable law, users may request access, correction, deletion, or restriction of personal information.

12. Children's Privacy

Selpo is not intended for children under the age required by applicable law to use the service.

13. Changes to this Policy

We may update this Privacy Policy periodically. Continued use of Selpo after updates become effective constitutes acceptance of the revised policy.