Privacy Policy

Welcome to the PerkWallet application (hereinafter referred to as "the App" or "the Service"). We place great importance on your privacy and the protection of your personal data. This Privacy Policy is intended to explain how we collect, use, process, store, and protect your personal information, as well as the rights you have regarding your data.

1. Types of Personal Information We Collect

To provide you with comprehensive cross-merchant rewards, loyalty cards, coupons, and promotional campaign management services, we may collect the following information:

• Account and Identification Data:
  • Phone Number: Used to create/log in to your PerkWallet account, send SMS One-Time Passwords (SMS OTP) for identity verification, and serve as a unique identifier to recognize your rewards and digital assets across participating merchants.
  • Basic Profile Information (Optional): Such as your name, nickname, email address, etc.
• Wallet, Transaction, and Interaction Data:
  • Rewards and Entitlement Data: Includes loyalty stamp progress, coupons, vouchers, raffle entries, VIP membership statuses, and loyalty points/miles collected across partner merchants.
  • Scan and Redemption Records: Includes the timestamps of your QR code scans for collecting and redeeming offers, partner merchant names, store locations, and redeemed item details.
• Device and Technical Data:
  • Device Information: Device model, operating system version (iOS), language settings, and unique device identifier (IDFV).
  • Log and Diagnostic Data: Crash logs, performance analytics, API call records, and IP addresses (used for security protection and system optimization).
• Device Permissions and Hardware Features:
  • Camera: Used solely for scanning QR codes presented by partner merchants to instantly collect or redeem rewards. The App does not take photos, upload images, or access your photo library.
  • Push Notifications: If authorized by you, used to send real-time alerts for points earned, expiring voucher reminders, exclusive promotional offers, and account security notifications.

2. Purposes of Using Personal Information

We collect and use your personal information for the following legitimate purposes:

• Providing and Maintaining Core Services: Verifying user identity, storing and syncing cross-merchant points and coupons, and executing QR code redemptions and reward accumulation.
• Notifications and Communication: Delivering verification codes, transaction confirmations, reward expiration reminders, and system announcements.
• Partner Merchant Synchronization: Synchronizing your reward/redemption status with partner merchant systems when you scan a QR code at their stores.
• System Optimization and Security: Detecting and preventing fraud, duplicate redemptions, abuse, and troubleshooting application crashes.
• Legal Compliance: Complying with applicable laws, regulations, or statutory requests from government authorities.

3. Third-Party Data Sharing and Disclosure

We do not sell your personal information to any third party. We share limited information with specific parties only under the following necessary circumstances:

• Partner Merchants: When you scan a QR code to collect or redeem rewards at a merchant, that merchant only receives the entitlement data necessary to complete the transaction (e.g., stamp card progress, redemption status). We do not disclose your full personal details to merchants unless individually authorized by you.
• Service Providers:
  • SMS service providers (for delivering OTP verification codes).
  • Cloud hosting and database providers (such as secure, encrypted cloud infrastructure like AWS / Google Cloud).
  • Analytics and crash monitoring tools (such as Firebase Crashlytics, transmitting de-identified diagnostic data only).
• Legal Requirements: If required by law, court order, or governmental authorities, we may disclose necessary information in compliance with legal obligations.

4. Data Storage, Transmission, and Security Protection

• Encrypted Transmission: All data transmitted through the App is encrypted using industry-standard HTTPS / TLS protocols.
• Security Safeguards: We implement strict server access controls, routine security reviews, and data backup mechanisms to protect data against unauthorized access, tampering, or disclosure.
• Retention Period: We retain your personal information only for the duration necessary to fulfill the purposes of collection or as mandated by relevant laws and regulations.

5. Your Rights and "Account & Data Deletion" Mechanism

In accordance with personal data protection regulations and Apple App Store Review Guidelines, you have the following rights regarding your personal information:

• Inquiry and Access: You can review your linked phone number, loyalty records, and voucher details within the App at any time.
• Correction and Updates: If your information is inaccurate, you may contact customer support for assistance in updating it.
• Revocation of Permissions: You can revoke Camera or Notification permissions at any time via your iOS device "Settings."
• Account Deletion and Data Erasure (Apple Compliance):
  • You can initiate self-service deletion directly within the App by navigating to "Settings" > "Account Management" > tap "Delete Account". Upon verification, your account and associated personal data will be permanently deleted.
  • Alternatively, you may submit a deletion request via email to: [Your Customer Support Email]. We will complete the deletion process within 30 days of receiving your request.