Privacy Policy

Effective date: 08/07/2026
Last updated: 17/10/2026

This Privacy Policy explains how George Karani, trading as Fructa ("we", "us", or "our"), the developer of the Fructa mobile application ("Fructa", the "app"), handles information in connection with your use of the app.

By using Fructa, you agree to the practices described in this policy. If you do not agree, please do not use the app.

Who we are

Fructa is a Kenyan investment information and comparison tool. It collects publicly available rate and price data for money market funds, Treasury bills, bonds, fixed income funds, SACCOs, Nairobi Securities Exchange stocks, and insurance products, and lets you track holdings you manage elsewhere. Fructa does not hold your money, process transactions, or place trades on your behalf.

Summary

  • We do not require you to create an account to use the app.
  • The holdings you add to your portfolio are stored on your own device, not on our servers.
  • If you choose to back up to Google Drive, the backup is saved in your own Google Drive account.
  • Fructa Pro subscriptions are paid through Apple or Google. We never receive your card or bank details.
  • We use third-party services for push notifications, analytics, and diagnostics. None of them receive your portfolio amounts.
  • We do not track you across apps or websites, and we do not use your data for advertising.
  • We do not sell your personal information.
  • Fructa is intended for adults and is not directed at children.

Information we collect

Information you provide

  • Portfolio holdings. When you add holdings (for example, a fund name, an amount, deposits, and withdrawals), that information is stored locally on your device. It is used to calculate your consolidated total, allocation, projections, and reports. Portfolio information is not transmitted to or stored on our servers.
  • Statements. If you use the statement check, you choose a statement file from your device. The file is processed only to read the figures needed for the check, such as dates, balances, and interest credited. The results of the check are stored on your device.

Information collected automatically

  • Device and technical information. When the app requests rate data or updates, our servers and service providers may record standard technical information such as your device type, operating system version, app version, and internet protocol (IP) address, together with the date and time of the request. This is used to operate and secure the service.
  • Push notification identifier. If you enable notifications, our push provider assigns your app installation a device identifier and stores your notification preferences so that relevant alerts can be delivered. See "Push notifications" below.
  • App usage information. We collect limited information about how the app is used, such as which screens are opened and which features are used, through Firebase Analytics. It is associated with a random app instance identifier, not with your name or contact details. It never includes your portfolio amounts or holdings.
  • Diagnostic information. We collect limited crash and performance information through Firebase (Google) to detect and fix problems and keep the app stable. It is not used to track you or for advertising.

Subscription and purchase information

If you subscribe to Fructa Pro, the purchase is handled entirely by Apple (App Store) or Google (Google Play). We receive confirmation of your subscription status, such as the product purchased, its renewal or expiry date, and a transaction identifier, so that the app can unlock Fructa Pro and restore it on a new device. We do not receive your name, payment card, or billing details.

Google Drive backup

Backup is optional. If you connect Google Drive, you sign in with your Google account and grant the app permission to save files to your Drive. The app uses this permission only to create, update, and read its own backup files in a folder named "Fructa" in your Drive. Your Google account email is used on your device to show which account is connected. Backups go directly from your device to your Google Drive and are not stored on our servers. You can disconnect at any time in the app, and you can delete the backup folder from your Google Drive.

Biometric authentication

If you enable the app lock, Fructa uses your device's built-in biometric or passcode system to unlock the app. This check is performed entirely by your device's operating system. We do not receive, collect, or store your fingerprint, face data, or passcode.

How we use information

We use the information described above to:

  • Provide and maintain the app and its features.
  • Display current and historical rate data, comparisons, stories, and reports.
  • Calculate your portfolio total, allocation, projections, and statement checks on your device.
  • Unlock and restore Fructa Pro for subscribers.
  • Save and restore backups you choose to make to your Google Drive.
  • Deliver notifications you have chosen to receive.
  • Understand which features are used so we can improve the app.
  • Detect, prevent, and address technical issues, fraud, and abuse.
  • Comply with legal obligations.

We do not use any of this information to track you across other companies' apps or websites, and we do not use it for advertising.

How your information is stored

Portfolio holdings, statement check results, and app settings are stored locally on your device using the device's standard storage and, where sensitive, secure storage provided by the operating system. If you uninstall the app or clear its data, this locally stored information is removed from your device. A Google Drive backup, if you made one, stays in your Google Drive until you delete it.

Sharing and service providers

We do not sell your personal information, we do not share it for advertising purposes, and we do not share it with data brokers.

We use the following third-party service providers to operate the app. These providers process information only to perform services for us or for you:

  • Apple and Google (subscription payments through the App Store and Google Play). Process your purchase under their own privacy policies.
  • Google Drive (optional backup). Stores your backup in your own Google account under Google's privacy policy.
  • Firebase (Google) (analytics, crash, and performance diagnostics). Processes app usage events, an app instance identifier, and limited crash and performance information.
  • OneSignal (push notification delivery). Processes a device identifier and notification preferences.
  • Supabase (backend and hosting for the rate data the app downloads). Processes standard technical request information such as IP address.

We may also disclose information if required to do so by law, regulation, legal process, or a lawful request by a public authority.

Push notifications

Notifications are optional. If you enable them, we use OneSignal to deliver market-wide alerts, report and story alerts, and, where you have opted in, alerts about funds and stocks you follow. To enable this, the app sends OneSignal a device identifier and preference tags, such as which funds you follow. These tags never contain amounts or balances from your portfolio.

You can turn notifications off at any time from within the app's settings, or from your device's system settings. Turning them off stops future notifications.

Tracking

Fructa does not track you. We do not access your device's advertising identifier, we do not link the information we collect with third-party data for advertising purposes, and we do not share your information with data brokers. Because the app does not track you, it does not request App Tracking Transparency permission.

Data retention

Portfolio information and statement check results remain on your device until you delete them or uninstall the app. Google Drive backups remain in your Google account until you delete them. Subscription records are kept for as long as your subscription is active and afterwards as required for accounting and legal purposes. Technical request logs, analytics, diagnostic, and notification records held by our service providers are retained only for as long as necessary for the purposes described in this policy, or as required by law.

Security

We take reasonable technical and organisational measures to protect information against unauthorised access, loss, or misuse. Data is sent over encrypted connections. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

Children

Fructa is intended for users aged 18 and over. It is not directed at children, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can address it.

Your rights

Depending on where you live, you may have rights over your personal information, including the right to access, correct, or delete it, to object to or restrict certain processing, and to withdraw consent.

Because your portfolio information is stored only on your device, you can access, change, or delete it directly within the app at any time. You can delete a Google Drive backup from your Google Drive, and manage or cancel a subscription in your Apple or Google account settings. For any other request, or to exercise your rights in relation to information held by our service providers, contact us using the details below.

If you are in Kenya, your personal data is handled in accordance with the Data Protection Act, 2019. You also have the right to lodge a complaint with the Office of the Data Protection Commissioner.

International users and data transfers

The app may be accessed from outside Kenya, and our service providers may process information in other countries. Where information is transferred across borders, we take steps intended to ensure it remains protected in line with this policy and applicable law.

Accuracy of rate data

Rate information shown in Fructa is drawn from public sources, including the Central Bank of Kenya, the Capital Markets Authority, and fund managers. We work to keep it accurate and current, but we do not guarantee it. Fructa is an information tool and does not provide financial, investment, tax, or legal advice. Always confirm figures with the relevant provider before making a decision.

Changes to this policy

We may update this policy from time to time. When we do, we will revise the "Last updated" date above and, where appropriate, provide notice within the app. Your continued use of the app after an update means you accept the revised policy.

Contact us

If you have questions about this policy or how your information is handled, contact us at:

Fructa
privacy@fructa.africa
Nairobi, Kenya