Privacy Policy

INTRODUCTION

Chedda (“we,” “our,” or “us”) is operated by Recrear Holdings LLC (United States). We value your privacy and are committed to protecting your personal information in compliance with applicable laws, including:

COPPA (Children’s Online Privacy Protection Act – U.S.)
GDPR (General Data Protection Regulation – EU & Africa)
CCPA (California Consumer Privacy Act)
African data protection laws such as:
- Nigeria’s NDPR, South Africa’s POPIA, and Kenya’s DPA (2019)

This Privacy Policy explains how we collect, use, share, and safeguard your data when you use our mobile application (“App”) and website (“Site”), collectively the “Services”. By using our Services, you agree to this Privacy Policy. If you do not agree, please do not use Chedda.

1. KEY DEFINITIONS

“Parent” / “Primary Account Holder”: A parent, guardian, or legal representative who registers for the Service and manages a child’s account.
“Child User”: A minor under 18 whose account is managed under parental consent.
“Personal Information”: Any data that identifies an individual (name, contact details, financial data).
“Anonymous Information”: Aggregated or de-identified data that does not identify an individual.

2. INFORMATION WE COLLECT

A. From Parents

Name, email, phone number, and mailing address.
Payment details (processed securely, not stored directly).
Government-issued ID for identity verification where required by law.

B. From Child Users

First name or nickname, age group, and goal-related data.
Activity and learning progress (no government ID collected).

C. Transaction & Financial Data

Wallet funding details, in-app purchases, and reward earnings.

D. Automatically Collected Data

IP address, device type, operating system, app usage analytics.
Location data (only with explicit parental consent).
Cookies for security, functionality, and analytics (no behavioral ads for children).

3. LEGAL BASIS FOR PROCESSING

GDPR: Parental consent, contractual necessity, and legitimate interest.
COPPA: Verifiable parental consent for any child data collection.
CCPA & African Laws: Compliance with applicable state and national privacy regulations.

4. HOW WE USE YOUR INFORMATION

Provide and improve the Services.
Enable educational financial activities for children.
Process transactions securely.
Fraud prevention and compliance with legal obligations (e.g., anti-money laundering laws).
Customer support and communication with Parents (we do not market to children).

5. PARENTAL CONSENT & CONTROL

Parents must approve all child accounts and transactions.
Parents can access, modify, or delete their child’s data anytime via the App or by contacting us.
Parents can withdraw consent, which will result in account termination for the child.

6. HOW WE SHARE INFORMATION

We do not sell or rent personal data. We share data only with:

Payment Processors: For secure transactions.
Service Providers: Hosting, analytics, and customer support (under strict confidentiality).
Regulatory Authorities: If required by law.
Business Transfers: In case of mergers or acquisitions, with notice to users.

7. IN-APP PURCHASES & REFUND POLICY

Purchases are processed via secure third-party gateways.
Refunds: All transactions are final unless required by law or at our sole discretion.
Parents are responsible for monitoring and approving all spending by Child Users.

8. CHILDREN’S PRIVACY PROTECTIONS

COPPA Compliance: No child under 13 can use the App without verified parental consent.
No Independent Accounts: All Child User accounts are managed by Parents.
Data Minimization: We collect only what is necessary for educational and transactional purposes.

9. SECURITY MEASURES

End-to-end encryption for data in transit and at rest.
Role-based access controls for employees.
Regular security audits and vulnerability testing.

Important: While we use strong safeguards, no system is 100% secure.

10. INTERNATIONAL DATA TRANSFERS

U.S. Users: Data may be stored in U.S.-based servers.
African Users: Data may be processed locally where required by law.
For cross-border transfers, we implement Standard Contractual Clauses and equivalent GDPR safeguards.

11. LIABILITY DISCLAIMER

We are not liable for:

Misuse of the App by parents or children.
Unauthorized access by third parties despite industry-standard security measures.
Loss caused by user negligence or incorrect parental supervision.

12. DATA RETENTION

We keep personal data only as long as necessary for service provision or to meet legal requirements. Parents may request deletion; however, some data may be retained for regulatory compliance.

13. YOUR RIGHTS

You may:

Access, correct, or delete personal data.
Withdraw consent (may affect service functionality).
File a complaint with local data protection authorities if your rights are infringed.

14. UPDATES TO THIS PRIVACY POLICY

We may revise this Policy periodically. Significant changes will be communicated via email or in-app notifications. Continued use of Chedda after changes constitutes acceptance.

15. CONTACT US

Recrear Holdings LLC (USA): Email: info@chedda.fun