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MYTURNPAY

Privacy Policy

MyTurnPay helps susu, dues, welfare, and association groups manage members, payments, payouts, expenses, reports, notifications, and group communication. This policy explains what information we collect, how we use it, and the choices available to you.

Effective date: July 8, 2026 Powered by Codewise Solutions
Short version

We collect the information needed to run your account, verify your phone number, manage your groups, record payments, send alerts, and keep transparent group records. We do not sell your personal data.

1. Information We Collect

We may collect the following information when you use MyTurnPay:

  • Account details such as name, phone number, email address, and authentication status.
  • Optional profile details such as Ghana Card number if you choose to add it.
  • Group information such as group name, type, invite code, admins, members, roles, contribution rules, payout order, expenses, and reports.
  • Payment records such as amount, payment method, reference, notes, approval status, payment history, outstanding balances, and payout history.
  • Chat information such as messages, replies, images, read status, and timestamps where group chat is enabled.
  • Notification information such as device tokens, alert status, and notification history.
  • Technical information such as device type, app version, crash or error information, and general usage activity needed to operate the app.

2. How We Use Information

We use information to:

  • Create and secure user accounts.
  • Verify phone numbers and support account recovery.
  • Create, join, manage, pause, and delete groups.
  • Track contributions, dues, expenses, balances, penalties, trust scores, and payout schedules.
  • Allow admins to approve members, payments, payouts, payout swaps, and group changes.
  • Send reminders, announcements, payment alerts, payout alerts, and chat notifications.
  • Provide reports, statements, audit trails, and transparency records for groups.
  • Detect misuse, protect the app, and improve reliability.

3. How Information Is Shared

Group records are shared with approved members and admins of the relevant group based on their roles. Admins may see member names, phone numbers, payment status, contribution history, payout status, expenses, reports, and audit records needed to operate the group.

We may share information with service providers that help us run the app, such as authentication, database, cloud messaging, storage, payment processing, and hosting providers. These providers process information only as needed to provide their services.

We may also disclose information if required by law, to protect users, to investigate fraud or abuse, or to enforce app rules.

4. Payments And Billing

MyTurnPay may use third-party payment processors such as Paystack to process feature subscriptions or group-related payments. Payment processors may collect payment details according to their own privacy policies and security standards.

MyTurnPay stores transaction references, payment status, amount, selected feature, group ID, and timestamps so subscriptions, additional group credits, and payment records can be verified.

5. Chat, Images, And Notifications

If group chat is enabled, messages and images are visible to approved members of that group. Images may be compressed before upload to reduce storage and improve delivery.

We use push notifications for alerts such as payment reminders, approval requests, payout updates, admin announcements, and chat messages. You can control notification permissions from your device settings.

6. Security And Retention

We use reasonable technical and organizational safeguards to protect information, including authentication, role-based access, database rules, audit trails, and secure service providers. However, no digital service can guarantee absolute security.

We retain information while your account or group is active and as needed for records, dispute handling, reporting, audit history, fraud prevention, legal compliance, and app operations.

7. Your Choices And Rights

You may be able to:

  • Edit your profile details inside the app.
  • Leave groups where leaving is allowed by the group rules.
  • Ask a group admin to correct group records where appropriate.
  • Request access, correction, or deletion of personal information, subject to legal and record-keeping requirements.
  • Disable push notifications from your device settings.

8. Children

MyTurnPay is intended for users who are old enough to manage financial group participation under applicable law and group rules. The app is not directed to children.

9. Changes To This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the effective date and may notify users in the app where appropriate.

10. Contact Us

If you have questions about this Privacy Policy or your data, contact the MyTurnPay support team.

Email support@codewisegh.com