Privacy Policy

1. Who we are

The Natt app and the website www.nattbi.com (together, “Natt”) are published by Nattbi, a SARL registered under number [NINEA], with its registered office at [adresse du siège], Sénégal (“we”).

For any question about your data, write to support@nattbi.com.

2. What Natt does, and does not do

Natt is a tontine tracking tool: it records who has contributed, whose turn it is and how far along the pot is. Natt does not hold, receive or transfer any funds. Payments happen between members, outside the app.

3. The data we collect

Account: first name, last name, phone number (verified by SMS) and password. If you sign in with Google or Apple, we receive the identifier and email address shared by that service. Credentials are managed by our authentication provider.

Profile: country, notification language and notification preferences.

Tontine activity: the tontines you create or join, your share (full or half), the contributions recorded by the manager (amount, payment method, date, optional note) and the turns assigned.

Devices: one notification token per device, to send you push notifications.

People you invite: the name and phone number you type or pick from your contacts. Your contacts stay on your phone; only the selected number is sent to us.

Website: anonymous audience statistics, with no cookies or personal identifiers.

We do not collect your location, photos, camera or microphone, and we use no advertising trackers.

4. Why we use it

To run Natt: create your account, link you to your tontines, show contribution and turn tracking to the members concerned.

To notify you: notifications and reminders about your tontines (contribution due, turn assigned, invitation received, and so on). You can turn off activity notifications; alerts about money and your account's safety stay on.

To keep the service safe: SMS number verification, abuse prevention, technical logs.

To meet our legal obligations and answer your requests.

5. People you invite

When you invite someone who is not on Natt yet, we create a record with the name and number you entered, to reserve their seat. If configured, that person receives a WhatsApp invitation message naming the tontine; their number is then sent to Meta (WhatsApp Cloud API) for delivery.

You must have the person's agreement before inviting them. Anyone invited can ask us to erase their data by writing to the address above.

If the invitation is declined or the tontine ends, the record is kept until erasure is requested, or until the person creates an account with that number, in which case the record becomes their account.

6. Who we share your data with

The other members of your tontines see your name, your share, your recorded contributions and your turn. The manager also sees your phone number.

Our technical providers, who process data on our behalf and under our instructions: an authentication provider that stores your credentials, a hosting and database provider, Apple's and Google's push notification services, Google and Apple for sign-in with their account if you use it, WhatsApp for invitation messages to people not yet on Natt, and the website host for anonymous statistics.

We never sell your data and never pass it to advertisers.

We may disclose data when the law requires it or to protect our rights and those of our users.

7. Where your data is hosted

Our providers host the data mainly in the United States. They are contractually bound to protect it according to recognised standards.

8. How long we keep it

Account and profile data: as long as your account exists. When the account is deleted, name, number, country, language, preferences and notification tokens are erased immediately.

Tontine history: contributions and turns already recorded stay visible to the other members, under the name “Deleted member”, without your name or number, because they are part of the tontine's accounts.

Technical identifier: after deletion, we keep an anonymous identifier linked to your former account to prevent it from being recreated by accident.

Notification tokens and delivery receipts: receipts are deleted within 24 hours; tokens are deleted when the device is removed or the account deleted.

Website statistics: aggregated and anonymous from collection.

9. Your rights

You can access your data, correct it, ask for its erasure, object to certain processing or request a copy. Name, country and preferences can be changed directly in the app.

To exercise your rights, write to support@nattbi.com. We may ask you to confirm you are the account holder. We answer within 30 days.

Account deletion is done from the app (Profile, then “Delete my account”) or by email. The full procedure is described on our help page.

You may also contact the data protection authority in your country.

10. Security

Traffic between the app and our servers is encrypted. Passwords are never stored in plain text. Access to our systems is limited to the people who need it.

No system is infallible: keep your password confidential and tell us if you suspect unauthorised access.

11. Minimum age

Natt is for people aged 18 and over. We do not knowingly collect data from minors; if that happened, write to us and we will delete it.

12. Changes

We may update this policy. For significant changes, we will let you know in the app. The last-updated date is shown at the top of this page.