FORUS Connect Privacy Policy

1. Introduction

This Privacy Policy explains how FORUS Digital and its authorised affiliates, programme operators and network partners collect, use, store, protect and share information when you use FORUS Connect, related websites, support tools, onboarding services, ecosystem services and associated mobile features.

FORUS Connect helps users access support, onboarding assistance, programme information, account guidance, wallet-related assistance, merchant or network support, voucher and reward services, and other FORUS ecosystem services.

By using the app, you acknowledge that your information will be handled as described in this Privacy Policy. Where required by law, we will ask for your consent before collecting or using certain information.

2. Who We Are and How to Contact Us

The app is published by FORUS Digital. FORUS Digital may act together with authorised affiliates, programme operators, merchants, cooperatives, sponsors, payment partners and network partners where those parties help deliver the relevant service.

Privacy contact: [email protected]. Support contact: [email protected]. Website: https://forus.digital.

3. Information We Collect

3.1 Account and profile information

• Name and surname.
• Email address.
• Mobile number.
• Country, region, city or operating market.
• Organisation, merchant, cooperative, network or partner details.
• User role, such as customer, merchant, agent, driver, operator, member, administrator or support user.
• Login credentials, authentication identifiers and security settings.
• Profile preferences and communication settings.

3.2 Support and help requests

• Support messages, chat or ticket history.
• Issue type, description, screenshots, documents or attachments that you choose to upload.
• Status of support queries, resolution notes and communication history with our support team.

3.3 Device, app and technical information

• Device model, operating system version, app version and language settings.
• IP address, device identifiers, app instance identifiers and network information.
• Crash logs, diagnostic data, performance data and security logs.

3.4 Location information

The app may collect approximate or precise location information where this is needed for app functionality, security, merchant support, network operations, service availability, fraud prevention, location-based support or programme participation. Location access is used only where permitted by you and where required for the relevant feature.

3.5 Wallet, token, payment, voucher or transaction support information

• Wallet address or public blockchain address.
• Transaction references, payment status, voucher or reward status.
• Merchant or customer transaction identifiers.
• Token claim or wallet support records.
• Blockchain network references, payment rail or processor references, reconciliation information and support notes.

FORUS does not collect your private keys or seed phrases. You must never share your wallet private key, seed phrase or recovery phrase with FORUS, any support agent or any third party.

3.6 Identity, KYC, KYB and compliance information

• Identity information and verification status.
• Business registration information, tax or compliance documents and proof of authority for organisation representatives.
• KYC, KYB, sanctions, fraud or risk-screening outcomes where required for onboarding, wallet access, merchant access, financial services, rewards, claims or regulatory compliance.

This information may be processed directly by FORUS or through approved verification providers.

3.7 Usage information

• Pages or screens viewed, features used and buttons clicked.
• Session activity, error events, referral or campaign source.
• Support journey progress, onboarding progress and service interaction history.

4. App Permissions and Device Access

The app will request device permissions only when needed for a feature. Depending on the version and configuration of the app, permissions may include camera access for scanning QR codes or uploading evidence, photos or files access for support attachments, notifications for service alerts, location access for service availability or fraud prevention, and biometric or device authentication where enabled by the user.

You can manage permissions through your device settings. If you disable a permission, some features may not operate correctly.

5. How We Use Information

• Provide, operate, secure and improve the app.
• Create, authenticate and manage user accounts.
• Provide customer, merchant, network and partner support.
• Assist with onboarding, account setup, wallet assistance, vouchers, rewards, token claims and transaction-related queries.
• Verify identity, business status, eligibility and authority where required.
• Prevent fraud, abuse, unauthorised access, misuse and security incidents.
• Maintain security, audit, reconciliation and compliance records.
• Send service notifications, operational messages and important updates.
• Comply with legal, regulatory, tax, audit and operational obligations.
• Support dispute handling, issue resolution and service reporting.
• Analyse usage trends and service performance.

6. Legal Bases and Consent

Where applicable law requires a legal basis for processing, we rely on one or more of the following: your consent; performance of a contract or service requested by you; compliance with legal obligations; protection of legitimate business, security and fraud-prevention interests; and protection of users, merchants, partners and the FORUS network.

Where a feature requires consent, such as certain location or notification features, you may withdraw consent through the app or your device settings. Withdrawing consent may limit the availability of the relevant feature.

7. Sharing of Information

We may share information with the following categories of parties where necessary to deliver, support, secure or comply with the service:

• FORUS group companies, affiliates, network operators and authorised programme partners.
• Cloud hosting and infrastructure providers.
• Authentication, identity, KYC, KYB, fraud-prevention and compliance providers.
• Payment processors, wallet providers, blockchain service providers, settlement providers and reconciliation partners.
• Customer support, communications, analytics, diagnostics and crash-reporting providers.
• Merchants, cooperatives, programme sponsors or network operators where needed to deliver the relevant service.
• Legal, audit, regulatory, tax, court or law-enforcement authorities where required.

We do not sell your personal information.

8. Wallets, Tokens, Rewards, Vouchers and Public Ledgers

Some wallet, token, voucher or blockchain-related features may involve public blockchain networks. Public blockchain transactions may be visible to others and may not be reversible or removable by FORUS.

Information recorded on a public blockchain may include wallet addresses, transaction references, token movements or other public ledger data. You are responsible for understanding the nature of public blockchain systems before using wallet or token-related features.

9. Data Retention

We retain information only for as long as reasonably necessary for providing the app and related services, account and support management, legal, audit, tax, regulatory and compliance obligations, fraud prevention and security, dispute resolution, transaction records and reconciliation records.

Retention periods vary depending on the type of information, the service used, applicable law and whether information is needed for security, accounting, regulatory or dispute-resolution purposes. When information is no longer needed, we delete it or anonymise it where reasonably practical.

10. Security

We use reasonable technical and organisational measures to protect information against unauthorised access, loss, misuse, alteration or disclosure. These measures may include encryption, access controls, secure hosting, monitoring, audit logging, authentication controls, operational security processes and vendor due diligence.

No system can be guaranteed to be completely secure. You are responsible for keeping your account credentials, device, wallet access and authentication methods safe.

11. Your Choices and Rights

Depending on your location and applicable law, you may have rights to access, correct, delete, restrict or object to the processing of your personal information, withdraw consent where processing is based on consent, request a copy of your information, or lodge a complaint with a relevant data protection authority.

To exercise your rights, contact us at [email protected].

12. Account and Data Deletion

If the app enables account creation, you may request deletion of your account and associated personal information through the in-app account deletion path or by using the web request link below. Certain records may be retained where required for legal, tax, audit, fraud-prevention, dispute-resolution, regulatory or transaction-reconciliation purposes.

Account deletion request link: https://forus.digital/account-deletion

Deletion of an app account does not necessarily remove information that has already been recorded on a public blockchain, processed by an independent third-party provider, or retained where the law requires continued retention.

13. Children and Age Restrictions

The app is not intended for children under the age required by applicable law for the relevant service. We do not knowingly collect personal information from children without appropriate consent. If we become aware that we have collected information from a child unlawfully, we will take reasonable steps to delete it.

14. International Transfers

Your information may be processed in countries other than your own. Where required, we use appropriate safeguards to protect personal information transferred internationally.

15. Third-Party Services and SDKs

The app may contain links or integrations with third-party services, including wallet providers, payment providers, identity providers, support tools, merchants, analytics providers, crash-reporting providers, hosting providers or external websites. Those third parties may have their own terms and privacy policies. We are not responsible for their independent privacy practices.

16. Changes to this Policy

We may update this Privacy Policy from time to time. If we make material changes, we may notify you through the app, by email or by other appropriate means. The updated policy will apply from the effective date shown at the top of the document.

17. Contact Us

FORUS Digital

• Privacy: [email protected]
• Support: [email protected]
• Website: https://forus.digital
• Developer portal: https://developer.forus.digital
• Account deletion: https://forus.digital/account-deletion
• Country: South Africa