1. Overview
By using SAM Card, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the App.
2. Information We Collect
2.1 Information you provide directly
- Account registration details (email address, password)
- Identity verification (KYC) documents and photos
- Payment card application information
- Transaction amounts and recipient details
2.2 Information collected automatically
- Device identifiers (device model, OS version)
- IP address and approximate location (country/region level)
- App usage logs and crash reports
- Network request metadata
2.3 Camera & media access
- Camera: used solely to capture KYC identity documents or scan QR codes
- Media storage: used to save or upload images required for verification
3. App Permissions Explained
| Permission | Purpose |
|---|---|
| CAMERA | Capture identity documents for KYC verification and scan QR codes for payments |
| INTERNET | Connect to SAM servers to process transactions and load account data |
| READ_MEDIA_IMAGES / READ_EXTERNAL_STORAGE | Select existing photos from device gallery for KYC document upload |
| READ_MEDIA_VISUAL_USER_SELECTED | Android 13+ scoped media access for gallery selection |
| WRITE_EXTERNAL_STORAGE | Save QR codes or transaction receipts to device storage (Android < 10) |
| VIBRATE | Provide haptic feedback for notifications and button interactions |
| SYSTEM_ALERT_WINDOW | Display real-time transaction confirmation alerts over other apps |
We request only the permissions necessary for core functionality. Sensitive permissions are requested at runtime and only when needed.
4. How We Use Your Information
- Provide, operate, and maintain the SAM Card service
- Process payment card applications and financial transactions
- Verify your identity to comply with financial regulations (KYC/AML)
- Send transaction confirmations, security alerts, and service notices
- Detect fraud, unauthorized access, and other security threats
- Improve App performance and fix bugs via aggregated analytics
- Comply with applicable laws and regulatory requirements
5. Data Sharing & Disclosure
We do not sell your personal data. We may share data only with:
- Card issuing partners (e.g., Visa / Mastercard networks and issuing banks) – required to issue and operate your payment card
- KYC / AML service providers – to verify your identity as required by law
- Cloud infrastructure providers – to store and process data securely
- Law enforcement or regulators – when required by applicable law or court order
All third-party partners are contractually bound to handle your data in accordance with this Privacy Policy and applicable data protection laws.
6. Data Retention
We retain your personal data for as long as your account is active or as needed to provide services. Financial transaction records are retained for a minimum of 5 years to comply with anti-money-laundering (AML) regulations.
When you request account deletion, we will delete or anonymize your data within 30 days, except where retention is required by law.
7. Data Security
We implement industry-standard security measures to protect your data:
- All data transmitted between the App and our servers is encrypted via TLS 1.2+
- Passwords are hashed and never stored in plain text
- Access to personal data is strictly limited to authorized personnel
- Regular security audits and vulnerability assessments
No method of electronic transmission is 100% secure. If you discover a security vulnerability, please contact us immediately.
8. Children's Privacy
SAM Card is not directed at children under the age of 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected data from a child under 18, we will delete that information promptly.
9. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your account and associated data
- Object to or restrict certain processing activities
- Data portability (receive your data in a structured format)
- Withdraw consent at any time (where processing is based on consent)
To exercise these rights, please contact us at the email address below. We will respond within 30 days.
10. Third-Party Links & Services
The App may contain links to external websites or integrate third-party services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will notify you via an in-app notice or email at least 7 days before the change takes effect. Continued use of the App after the effective date constitutes acceptance of the updated policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact:
- App Name: SAM Card
- Email: support@spendandmine.com
- Package: com.anonymous.samcard
We will make every effort to resolve your concern promptly and transparently.