Privacy Policy

Introduction

M&N Trading ("we," "us," or "our") operates the M&N mobile application and website. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

Information We Collect

We collect information you provide directly, including:

• Personal information (name, phone number, email address)
• Account information (savings goals, deduction preferences)
• Transaction history and purchase records
• Payment and banking details
• Device information and usage patterns

How We Use Your Information

We use collected information to:

• Provide and maintain our savings and purchasing services
• Process your savings deductions and transactions
• Send you account updates and notifications
• Respond to your inquiries and provide customer support
• Improve and optimize our mobile app and website
• Comply with legal obligations and regulations

How We Share Your Information

We do not sell, trade, or rent your personal information. We only share information with trusted third parties who assist us in operating our website and services, including payment processors and service providers. These parties are contractually obligated to keep your information confidential and secure.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure. We encourage you to take precautions to protect your personal information.

Your Rights

You have the right to:

• Access your personal information held by us
• Request corrections to inaccurate information
• Request deletion of your information
• Opt-out of marketing communications
• Request information about how we use your data

To exercise these rights, please contact us using the information below.

Cookies and Tracking

Our website and app may use cookies and similar tracking technologies to improve your experience. These help us understand how you use our services and remember your preferences. You can disable cookies through your browser settings, though this may affect functionality.

Third-Party Links

Our website and app may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our services constitutes your acceptance of the updated policy.