Privacy Policy

1. Introduction

Welcome to Rarebl ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application, website, and related services (collectively, the "Services").

Rarebl is a financial technology platform that enables borderless money transfers, peer-to-peer trading, multi-currency wallets, and mobile money integration. We take your privacy seriously.

By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use our Services.

2. Information We Collect

Personal Information

When you create an account we collect: full legal name and date of birth; email and phone number; address and country of residence; government-issued ID (for KYC/AML); and photographs for identity verification.

Financial Information

We collect: bank and mobile money account details; transaction history and payment details; source of funds where required; currency preferences and trading activity.

Automatically Collected

We collect: device information; IP address and approximate location; usage data; push notification tokens and preferences.

3. How We Use Your Information

We use the information for: service delivery (transactions, wallet, P2P); identity verification (KYC/AML); security (fraud prevention); communication (notifications, alerts); improving our Services; legal compliance; and customer support.

4. Data Sharing & Third Parties

We do not sell your personal information. We may share data with: payment processors and banking partners; identity verification services; cloud and storage providers; customer support platforms; and analytics tools. We may also disclose when required by law or to protect rights, property, or safety.

P2P Trading: When you use peer-to-peer trading, limited information (e.g. username, trade reputation) may be visible to other users to facilitate transactions.

5. Data Security

We use encryption in transit (TLS 1.3) and at rest (AES-256), role-based access with multi-factor authentication for staff, 24/7 monitoring, and regular security audits. No internet transmission is 100% secure; we encourage strong passwords and two-factor authentication on your account.

6. Your Rights & Choices

Depending on your location, you may have the right to: access your data; correct inaccuracies; request deletion (subject to legal retention); request data portability; restrict processing; object to processing; and withdraw consent. Contact us at privacy@rarebl.com or via account settings. Some data may be retained for legal, regulatory, or security purposes.

7. Cookies & Tracking

We use essential cookies (functionality, security, authentication), analytics cookies, and preference cookies. You can manage cookies in your browser; disabling some may affect the Services.

8. International Data Transfers

Rarebl operates in the United States and Ghana. Your information may be transferred and processed outside your country. We use standard contractual clauses, data processing agreements, and comply with applicable data protection frameworks.

9. Data Retention

We retain data as long as needed to provide Services, comply with law (e.g. financial records 5–7 years), resolve disputes, and meet regulatory requirements. When your account is closed, we delete or anonymize data except where retention is required by law.

10. Policy Updates

We may update this policy from time to time. For material changes we will notify you by email and/or in-app, update the "Last Updated" date, and may require you to acknowledge the update. We encourage you to review this policy periodically.