LeCoCash

Privacy Policy

Last updated: October 16, 2026

Version: 4.0

0. IN SHORT

  • Your operations go through the MTN or Orange network: no Internet connection is needed to send, withdraw, pay or check your balance.
  • Your history is encrypted on your phone and backed up to your account whenever you are online: you get it back if you change phones.
  • We never read your SMS, your Mobile Money PIN or your balance, and your address book never leaves your phone.
  • We never sell your personal data. We produce anonymous statistics that cannot identify you.
  • You can view, correct, download or delete your data at any time.

1. WHO WE ARE

The LeCoCash app is published by LeCoCash Inc., a Canadian company, Quebec, Canada. LeCoCash Inc. is the controller of your personal data within the meaning of Law No. 2024/017 of 23 December 2024 on the protection of personal data.

LeCoCash is neither a bank nor a payment institution: your funds stay with your operator. This policy is part of the LeCoCash Terms of Service.

2. THE DATA WE PROCESS

Your account

  • Your first name, last name and phone number.

The operations you launch

  • The type of operation, amount, estimated fees, operator, date and time.
  • The recipient's name and number, or the agent's or merchant's code.
  • Your favorites and the operations recorded in your log.

Your phone

  • An identifier created by the app for backup, the phone model, and the system and app versions.
  • If the app fails, a technical error report from which numbers, amounts and names are removed before it is sent.

What we never collect

  • The content of your SMS, your Mobile Money PIN, your balance, your location.
  • Your address book: it is read on your phone, only to help you choose a recipient, and is never sent.
  • Your fingerprint or face: your phone checks them and sends us nothing.

The permissions we ask for

  • Phone: to dial the operation code and recognise your SIM cards.
  • Contacts: to choose a recipient from your address book.
  • Camera: to scan an agent's or merchant's QR code.

Each permission is optional and can be withdrawn in your phone settings; only the related feature will stop working.

3. WHY WE USE IT

  • To run LeCoCash: create your account, prepare and dial your operations, keep your log. Basis: performance of the Terms of Service you accepted.
  • To back up your history to your account (section 4). Basis: the Terms of Service.
  • To protect your account and prevent fraud or prohibited use. Basis: our legitimate interest and our legal obligations.
  • To improve the app: fix errors, measure how features are used. Basis: our legitimate interest, using technical or anonymous data.
  • To comply with the law and answer requests from authorised authorities.

Where the law requires your consent, we ask for it at the right time, through a separate action, and you can withdraw it at any time.

4. BACKING UP YOUR OPERATIONS

Your operations are first saved on your phone, in an encrypted database: the app works without Internet.

As soon as your phone is online, LeCoCash sends the operations not yet backed up to your account, on our secure servers. This works for you:

  • if you lose or change your phone, or reinstall the app, simply log in again with your number to get your whole history back;
  • if you use LeCoCash on several phones, each one shows the operations of the others.

Operations launched without Internet are backed up at the next connection. An operation launched on a lost phone before any connection cannot be recovered.

5. ANONYMOUS STATISTICS AND PARTNERS

From the operations of all users, we produce anonymous, aggregated statistics: for example, the number of transfers per operator, per amount range or per city. These statistics contain no name, number or identifier, and cannot identify you, directly or indirectly.

We use them to understand how Mobile Money is used and to improve our services. We may also share them with our partners (operators, financial institutions, research or development organisations), including under commercial agreements.

Your personal data, on the other hand, is never sold. It is shared with a partner only if you have expressly agreed, for a specific offer or service presented to you beforehand; you can withdraw that agreement at any time, with no effect on your use of LeCoCash.

6. WHO CAN ACCESS YOUR DATA

  • Our technical providers, and only them, on our behalf: hosting your account and backup, sending the login code by SMS and receiving error reports (Google Firebase). They act on our instructions, under contract, and may not use your data for themselves.
  • Authorities, administrative or judicial, when the law requires it.
  • A possible acquirer of LeCoCash's business, who would be bound by this policy.

Operators receive nothing from us: your phone dials the code, and the operator processes the operation under its own terms.

Data hosted outside Cameroon

Some providers host data outside Cameroon. These transfers are limited to what is necessary, protected by contractual safeguards and carried out under the conditions set by Law No. 2024/017, including authorisation from the Personal Data Protection Authority where required.

7. HOW LONG WE KEEP IT

  • On your phone: until you delete the app or its data.
  • In your account: as long as your account exists. After it is deleted, your data is erased from our servers within 30 days, except what the law requires us to keep, which is set aside and kept only for the required period.
  • Error reports: 90 days at most.
  • Anonymous statistics: with no time limit, since they are no longer personal data.

8. KEEPING YOUR DATA SAFE

  • Your phone's log is encrypted, and its key is kept in the phone's secure storage.
  • Exchanges with our servers are encrypted.
  • You can protect the app's opening with a code or your fingerprint.
  • Access to your data is limited to people who need it for their work, bound by confidentiality.

If a data breach may affect you, we inform the Personal Data Protection Authority without delay and, where the law provides, you as well.

9. YOUR RIGHTS

At any time, you can:

  • access your data and get a copy, in a readable, reusable format;
  • have it corrected if it is inaccurate;
  • have it erased, in particular by deleting your account;
  • object to processing based on our legitimate interest, or ask for it to be restricted;
  • withdraw your consent where you gave it;
  • lodge a complaint with the Personal Data Protection Authority.

To exercise these rights, write to support@lecocash.com, stating your LeCoCash number. We may check your identity with a code sent to that number. We reply within one month.

If you use LeCoCash from another country, you also keep the rights granted by that country's law.

10. MINORS

LeCoCash is for adults only. We do not knowingly collect data about minors; if we learn that a minor created an account, we delete it.

11. CHANGES AND CONTACT

We may change this policy. For any significant change, we inform you in the app at least 30 days before it takes effect, and ask for your agreement where the law requires it. The date and version at the top of this page show the latest update.

For any question: support@lecocash.com.

Person in charge of personal data protection: admin@lecocash.com · LeCoCash Inc., Quebec, Canada.

If the French and English versions differ, the French version prevails.