Privacy Policy
By using Savix+, you agree to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, you should not use Savix+.
1Who We Are
Savix+ is a digital spend-optimization and financial-assistance platform that helps users discover relevant credit card benefits, bank offers, merchant promotions, discounts, cashback opportunities, rewards, and personal finance insights. Savix+ may use artificial intelligence, automation, analytics, personalization models, and recommendation systems to provide more relevant suggestions.
Savix+ is not a bank, credit provider, investment adviser, broker, insurance adviser, or licensed financial institution unless expressly stated otherwise in writing.
2Scope of This Privacy Policy
This Privacy Policy applies to:
- The Savix+ mobile app on iOS and Android
- The Savix+ website
- Savix+ user accounts
- Savix+ recommendation and personalization services
- Savix+ notifications and communications
- Savix+ customer support interactions
- Savix+ merchant, bank, card, and partner offer features
- Any future Savix+ financial insight, budgeting, savings, or investment-related features
This Privacy Policy does not apply to third-party websites, banks, card issuers, merchants, payment providers, app stores, or external services that Savix+ does not own or control.
3Information We Collect
Savix+ may collect the following categories of information, depending on the features you use.
3.1 Account Information
When you create or manage a Savix+ account, we may collect: full name, email address, mobile number (optional), country or region, preferred language, password or authentication credentials, account status, user ID, profile preferences, and communication preferences.
Purpose: To create your account, authenticate you, provide support, secure your account, personalize your experience, and communicate important service information.
3.2 Financial Preference and Spend-Optimization Information
Savix+ may collect information you voluntarily provide, such as: banks you use, credit card types or card issuers, card benefit preferences, spending categories, preferred merchants, shopping interests, cashback / rewards / discount preferences, budgeting or savings preferences, financial goals (where enabled), and product comparison preferences.
Purpose: To personalize offers, recommend relevant cards or benefits, suggest savings opportunities, provide spend insights, and improve the relevance of Savix+ recommendations.
3.3 Transaction, Receipt, or Purchase Information
If you choose to upload, scan, connect, or manually enter purchase-related information, Savix+ may collect: merchant name, purchase amount, purchase category, date and time of purchase, receipt images or uploaded documents, payment method type, card issuer or card type (where provided), offer redemption information, and cashback or reward eligibility information.
Purpose: To provide spend insights, identify eligible offers, calculate possible savings, verify offer relevance, improve recommendations, and help you track benefits.
3.4 Device and App Information
When you use Savix+, we may automatically collect: device model, operating system and version, app version, device language, device region, IP address, device identifiers, session information, crash logs, diagnostic data, performance data, security signals, and app interaction events.
Purpose: To operate the app, detect bugs, improve performance, prevent fraud, enhance security, troubleshoot issues, and understand feature usage.
3.5 Location Information
Savix+ may collect location information only if you allow it through your device settings. This may include approximate location based on IP address, city or region, device location (if permission granted), and nearby merchant or offer location context.
Purpose: To show nearby offers, location-relevant promotions, merchant deals, card benefits, and region-specific app content. You can disable location access at any time through your device settings.
3.6 Camera, Photos, and File Access
Savix+ may request access to your camera, photos, or files only when needed for app features such as: scanning receipts, uploading documents, scanning QR codes, capturing card benefit information, uploading proof of purchase, or supporting customer service requests.
Purpose: To enable scanning, upload, verification, support, and document-based app features.
3.7 Notifications and Communication Data
If you enable notifications or subscribe to communications, we may collect and use: push notification token, email preferences, SMS or WhatsApp communication preferences (where enabled), notification interaction data, marketing consent status, and unsubscribe status.
Purpose: To send service alerts, offer notifications, security messages, product updates, and promotional communications where permitted.
3.8 Support and Feedback Information
When you contact Savix+, we may collect: name, email address, phone number, support request details, screenshots or attachments you provide, feedback / survey responses / complaints, and communication history.
Purpose: To respond to support requests, improve the app, investigate issues, handle complaints, and maintain service quality.
3.9 Usage and Analytics Information
Savix+ may collect information about how users interact with the app, including: screens viewed, features used, offers clicked, recommendations viewed, search queries, time spent in the app, onboarding progress, user journeys, error events, and referral source.
Purpose: To improve user experience, personalize recommendations, measure app performance, improve product design, and understand feature effectiveness.
3.10 Advertising, Affiliate, and Attribution Information
Savix+ may collect or process information relating to: offer clicks, affiliate referrals, campaign source, promotion engagement, sponsored offer interaction, app install attribution, advertising identifiers (where permitted), and consent status for tracking or advertising.
Purpose: To measure campaign performance, attribute referrals, manage partner compensation, identify relevant offers, and support sponsored or affiliate features.
3.11 Sensitive Personal Information
Savix+ does not intend to collect highly sensitive personal information unless necessary for a specific feature and legally permitted. Savix+ will not request or store card CVV, card PIN, online banking passwords, or full payment credentials for standard offer-discovery features.
4How We Use Your Information
Savix+ may use your information to:
- Create and manage your account
- Authenticate users
- Provide app functionality
- Personalize offers and recommendations
- Show bank, card, merchant, and cashback opportunities
- Send notifications and reminders
- Improve AI-generated recommendations
- Analyze app performance
- Improve product features
- Provide customer support
- Detect fraud, abuse, security risks, and misuse
- Comply with legal, regulatory, tax, accounting, and platform obligations
- Manage merchant, bank, affiliate, and partner relationships
- Measure marketing and campaign effectiveness
- Conduct research and analytics using aggregated or de-identified data
- Enforce our Terms and Conditions
- Protect Savix+, users, partners, and the public
5Legal Basis for Processing
Depending on your country, Savix+ may process personal information based on one or more of the following legal grounds:
- Consent — where you agree to specific processing, such as push notifications, location access, marketing, or optional personalization.
- Contractual necessity — where processing is required to provide Savix+ Services to you.
- Legitimate interests — such as improving the app, preventing fraud, securing services, and personalizing content, where permitted by law.
- Legal obligation — where processing is required for legal, tax, regulatory, accounting, law enforcement, or compliance purposes.
- Vital or public interest grounds — where applicable under specific legal requirements.
6AI, Automation, and Personalization
Savix+ may use artificial intelligence, machine learning, automation, rules engines, or recommendation models to:
- Suggest relevant offers
- Rank card benefits
- Identify potential savings
- Personalize merchant recommendations
- Generate financial insights
- Summarize offer terms
- Predict user preferences
- Improve user experience
AI-generated recommendations may not always be complete, current, or suitable for your personal circumstances. You should verify all financial, promotional, and merchant information directly with the relevant provider before making a decision. Savix+ may use aggregated, anonymized, pseudonymized, or privacy-protected data to improve its models, subject to applicable law.
7How We Share Information
Savix+ may share information with the following categories of recipients.
7.1 Service Providers
We may share information with trusted vendors who help us operate Savix+, including cloud hosting providers, analytics providers, authentication providers, customer support tools, notification providers, email and SMS providers, crash reporting tools, security monitoring tools, AI infrastructure providers, and payment processors (if paid features are introduced).
These providers are only authorized to process information as needed to provide services to Savix+ and must protect information according to applicable confidentiality and data protection obligations.
7.2 Banks, Card Issuers, Merchants, and Partners
Savix+ may share limited information with banks, card issuers, merchants, payment networks, affiliate partners, or offer providers where necessary to display or validate offers, track referrals, attribute conversions, manage cashback or rewards, support merchant campaigns, confirm offer eligibility, process partner payments, or resolve user support issues.
Savix+ will not sell your personal financial profile to banks or merchants for unrelated purposes without appropriate notice and consent where required.
7.3 App Stores and Platform Providers
When you download or use Savix+ through Apple App Store or Google Play, Apple or Google may independently collect and process information according to their own privacy policies and platform terms. Savix+ does not control Apple's or Google's independent processing of app store, device, payment, and platform data.
7.4 Legal, Regulatory, and Safety Disclosures
We may disclose information if required or permitted by law, including to courts, regulators, law enforcement authorities, government agencies, tax authorities, professional advisers, fraud prevention bodies, and dispute resolution bodies. We may also disclose information to protect the rights, safety, property, and security of Savix+, users, partners, or others.
7.5 Business Transfers
If Savix+ is involved in a merger, acquisition, investment, restructuring, financing, asset sale, or business transfer, user information may be transferred as part of that transaction, subject to appropriate safeguards.
7.6 Aggregated or De-Identified Information
Savix+ may share aggregated, anonymized, or de-identified information that does not reasonably identify you, for purposes such as market insights, product analytics, partner reporting, merchant performance analysis, trend analysis, and investor or business reporting.
8Selling Personal Information
Savix+ does not sell your personal information in the ordinary sense of directly exchanging your personal information for money.
However, some privacy laws define "sale" or "sharing" broadly to include advertising, affiliate tracking, cross-context behavioral advertising, or certain partner disclosures. If Savix+ introduces such activities in jurisdictions where additional rights apply, Savix+ will provide required disclosures and opt-out mechanisms.
9International Data Transfers
Savix+ may store or process information in Sri Lanka and in other countries where Savix+, its service providers, cloud providers, analytics providers, AI providers, or support partners operate. These countries may have data protection laws different from your country of residence.
Where required, Savix+ will use appropriate safeguards for international data transfers, such as contractual protections, technical safeguards, access controls, and other lawful transfer mechanisms.
10Data Retention
Savix+ retains personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Retention periods may depend on whether your account is active, the type of information, legal and regulatory requirements, tax and accounting obligations, fraud prevention needs, security requirements, dispute resolution needs, backup and disaster recovery cycles, product analytics needs, and consent status.
| Category | Indicative Retention Period |
|---|---|
| Account data | While account is active, then deleted or de-identified after account deletion unless retention is required |
| Support records | Up to 3 years, unless longer retention is required |
| Transaction or receipt data | While needed for user features, legal compliance, dispute handling, or user-requested history |
| Analytics data | Usually aggregated, de-identified, or deleted after a defined analytics period |
| Security logs | Retained for a limited period needed for security and fraud prevention |
| Marketing preferences | Until withdrawn, plus a suppression record to respect opt-outs |
| Legal records | As long as required by applicable law |
11Account Deletion and Data Deletion
You may request deletion of your Savix+ account and associated personal information by:
- Using the in-app account deletion feature, where available; or
- Emailing: support@savixplus.com
When you request account deletion, Savix+ will delete or de-identify your personal information within a reasonable period, unless we are legally required or permitted to retain certain information for legal compliance, fraud prevention, security investigations, dispute resolution, tax or accounting obligations, or enforcement of our Terms and Conditions.
12Your Privacy Rights
Depending on your location and applicable law, you may have rights to:
- Access your personal information
- Correct inaccurate information
- Delete your personal information
- Withdraw consent
- Object to certain processing
- Restrict certain processing
- Request a copy of your data
- Opt out of marketing communications
- Opt out of certain advertising or tracking activities
- Lodge a complaint with a regulator
To exercise your rights, contact us at: support@savixplus.com. We may need to verify your identity before responding to certain requests.
13Sri Lanka Privacy Rights
For users in Sri Lanka, Savix+ will aim to handle personal data in accordance with applicable Sri Lankan data protection law, including the Personal Data Protection Act, No. 9 of 2022. You may contact Savix+ to request access, correction, deletion, withdrawal of consent, or other privacy-related assistance, subject to applicable legal requirements.
14Australia Privacy Rights
For users in Australia, Savix+ may be subject to the Australian Privacy Act and Australian Privacy Principles depending on business structure, turnover, data practices, and applicable law. Australian users may contact Savix+ to request access to or correction of personal information.
15Singapore Privacy Rights
For users in Singapore, Savix+ may be subject to the Personal Data Protection Act. Singapore users may contact Savix+ to request access to or correction of personal data, withdraw consent, or raise privacy concerns, subject to applicable law.
16United Kingdom Privacy Rights
For users in the United Kingdom, Savix+ may be subject to UK data protection law, including the UK GDPR and Data Protection Act 2018. UK users may have rights to access, rectification, erasure, restriction, portability, objection, and rights relating to automated decision-making, subject to applicable legal conditions.
17Children's Privacy
Savix+ is not intended for children. You must be at least 18 years old or the age of legal majority in your jurisdiction, whichever is higher, to use Savix+.
Savix+ does not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without proper consent, we will take steps to delete that information.
18App Permissions
Savix+ may request device permissions to provide certain features.
| Category | Why Savix+ May Request It |
|---|---|
| Notifications | To send offer alerts, reminders, account notices, and service messages |
| Location | To show nearby merchant offers or country/location-specific recommendations |
| Camera | To scan receipts, QR codes, or documents |
| Photos / Files | To upload receipts, screenshots, or support documents |
| Contacts | Only if referral or sharing features are introduced and you grant permission |
| Biometric authentication | To allow secure login, where supported by your device |
| Tracking permission (iOS) | Only if Savix+ tracks users across apps or websites where Apple requires permission |
You can manage permissions through your device settings. Savix+ will not access permission-controlled data unless you grant permission or actively use the relevant feature.
19Cookies and Similar Technologies
Savix+'s website may use cookies, pixels, SDKs, local storage, or similar technologies to:
- Keep users signed in
- Improve website performance
- Measure usage
- Analyze traffic
- Personalize content
- Support marketing attribution
- Prevent fraud
- Remember preferences
You may manage cookies through your browser settings. Some website features may not function properly if cookies are disabled.
20Third-Party SDKs and Tools
Savix+ may use third-party SDKs and tools for:
- Analytics
- Crash reporting
- Push notifications
- Cloud hosting
- Authentication
- Customer support
- AI processing
- Attribution
- Payment processing
- Security monitoring
Examples may include tools such as Firebase, Google Analytics for Firebase, Apple services, cloud infrastructure providers, messaging providers, AI infrastructure providers, or similar services.
21Security Measures
Savix+ uses reasonable technical and organizational measures to protect information, including where appropriate:
- Encryption in transit
- Encryption at rest
- Access controls
- Authentication controls
- Monitoring and logging
- Secure cloud infrastructure
- Data minimization
- Internal confidentiality controls
- Regular security reviews
- Incident response processes
However, no system is completely secure. You are responsible for keeping your device, login credentials, and account secure.
22Data Accuracy
Savix+ aims to keep information accurate and up to date where reasonably possible. You are responsible for ensuring that information you provide to Savix+ is accurate, complete, and current.
Offer, merchant, bank, and card information may change without notice. You should verify offer terms, eligibility, expiry dates, fees, and conditions directly with the relevant provider before acting.
23Marketing Communications
Savix+ may send you marketing communications about offers, promotions, features, partner campaigns, and product updates where permitted by law. You can opt out of marketing communications by:
- Using unsubscribe links
- Updating in-app communication preferences
- Disabling push notifications
- Contacting Savix+ support
Even if you opt out of marketing, we may still send important service, security, account, legal, or transactional messages.
24Financial Information and Open Banking
Savix+ may in the future introduce integrations with banks, card issuers, open banking providers, account aggregation services, payment providers, or financial data providers. If introduced, Savix+ will update this Privacy Policy before collecting or processing such information.
Savix+ will not collect banking login credentials directly. If financial account connectivity is introduced, Savix+ will use regulated or trusted third-party providers with appropriate consent, security, and compliance controls.
25Sponsored Offers and Affiliate Disclosure
Savix+ may earn revenue from sponsored offers, referrals, affiliate links, merchant partnerships, bank partnerships, advertising, or lead generation. Where applicable, Savix+ may collect and share limited interaction data to measure referrals, attribute conversions, and manage partner payments.
Sponsored or promoted content may be labelled where required by law, platform policies, or Savix+'s internal transparency standards.
26Changes to This Privacy Policy
Savix+ may update this Privacy Policy from time to time. We may notify you of material changes through:
- In-app notice
- Website notice
- App store release notes
- Other reasonable communication methods
The updated Privacy Policy will be effective from the date stated at the top of the policy. Your continued use of Savix+ after the updated Privacy Policy takes effect means you accept the updated policy, where permitted by law.
27Contact Us
For privacy questions, account deletion, data requests, complaints, or concerns, contact:
Email: support@savixplus.com
Website: www.savixplus.com
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