Legal

Privacy Policy

StableNest · Effective 18 September 2026

This Privacy Policy explains how StableNest (“we,” “us,” or “our”) collects, uses, shares, and protects personal information when you use our mobile application, website, and related services (the “Service”).

By using StableNest, you acknowledge this Policy. For how the product works more broadly, see our Terms of Service.

1. Who we are

StableNest is a financial technology service based in Accra, Ghana. We help users move between Ghana Cedis (via Mobile Money) and USDT, with optional custodial wallet features through licensed partners.

For privacy questions, email support@stablenest.app.

2. Information we collect

Depending on how you use the Service, we may collect:

Account and profile

  • Email address and authentication credentials
  • Name and other profile details you provide
  • Phone number linked to your Mobile Money account

Identity verification (KYC)

  • Government ID details and images (for example Ghana Card, Voter ID, Passport, or Driver’s License)
  • Selfie or biometric checks required by our identity verification partner
  • Verification status and related compliance outcomes

Financial and transaction data

  • Deposit, withdrawal, transfer, and cash-out details (amounts, currencies, status, timestamps)
  • Mobile Money account identifiers needed to send or receive GHS
  • Blockchain wallet addresses you designate for deposits or sends
  • Network selection (for example TRC20) and fee/rate information shown at confirmation
  • Custodial wallet balances and activity where you have opted in

Device and usage

  • Device type, app version, and basic diagnostic or crash information
  • Session and security signals used to reduce account takeover risk
  • Support messages you send us

Website and waitlist

  • Email address if you join our waitlist or contact us through the website
  • Basic technical logs needed to operate and secure the site

3. How we use information

We use personal information to:

  • Create and manage your account
  • Verify your identity and meet AML/KYC obligations
  • Process deposits, withdrawals, transfers, and related quotes
  • Provision and operate optional custodial wallet features with our partners
  • Display balances, receipts, and transaction status
  • Detect fraud, abuse, and suspicious activity
  • Provide customer support
  • Send service notices (for example security alerts, limit changes, or policy updates)
  • Improve product reliability and user experience
  • Comply with law and respond to lawful requests

We do not sell your personal information.

4. How we share information

We share information only as needed to run the Service, including with:

  • Payment and Mobile Money partners, to process GHS deposits and cash-outs
  • Custodial partners, if you opt into a custodial wallet, to provision accounts, hold balances, and settle transfers
  • Identity verification partners, to complete KYC checks
  • Communications providers, to deliver one-time codes, alerts, or support messages
  • Infrastructure and security providers, to host, authenticate, and protect the Service
  • Professional advisors and authorities, where required by law, regulation, or to protect rights and safety

Partners process data under their own terms and security practices. We require them to use information only for the services they provide to us (or as required by law).

5. Identity verification

Financial features require identity verification. We (and our verification partner) process ID documents and related checks to confirm who you are, reduce fraud, and meet compliance obligations. Failure to complete or pass verification will limit access to deposits, cash-outs, and custodial transfers.

We may request re-verification if your circumstances change, risk signals appear, or compliance rules require it.

6. Retention

We retain personal information for as long as your account is active and as needed to provide the Service. After you close your account, we delete or anonymize personal data that is not required by law, as described in Delete your StableNest account.

We keep transaction, KYC, and compliance records for longer where required by law, dispute resolution, fraud prevention, or audit obligations. In Ghana this is typically at least five (5) years from the relevant transaction or from account closure, whichever applies, and may be longer if a regulator or legal process requires it.

When information is no longer needed, we delete or anonymize it where practicable.

7. Security

We use industry-standard practices to protect personal information, including encryption in transit and controls designed to limit access to sensitive data. No method of transmission or storage is completely secure. You are responsible for protecting your device, passwords, and any external wallet keys.

More about our approach is described on our Security page.

8. Delete your StableNest account

This section is for users of the StableNest mobile app who want their account and associated data deleted.

How to request account deletion

  1. Withdraw any remaining GHS or USDT balance in the app, or tell us in your email if a balance remains and you need help.
  2. Email support@stablenest.app from the email address on your StableNest account.
  3. Use the subject line “Delete StableNest account” and include the name and phone number on the account.
  4. We verify it is your account, then close it and delete or anonymize personal data that is not legally required to keep. We aim to confirm within 7 days and complete deletion within 30 days.

You can also open Help & Support in the StableNest app and ask us to delete your account.

Data we delete

When the account is closed, we delete or anonymize:

  • Sign-in access (you will no longer be able to log in)
  • Profile details used in the app (name, email, phone number)
  • Saved Mobile Money numbers and connected crypto wallet addresses
  • Notification preferences and push tokens
  • Device unlock PIN stored on your phone (cleared when you uninstall or reset the app)
  • Support threads and analytics identifiers where we can unlink them from you

Data we keep

After deletion, we keep the following for legal and compliance reasons:

  • Identity verification (KYC) records, including ID images and verification outcome
  • Transaction records (deposits, withdrawals, transfers, amounts, status, timestamps)
  • Records needed for anti-money laundering, fraud prevention, disputes, tax, or audit

We keep those compliance records for at least five (5) years from the date of the relevant transaction or account closure, or longer if a law, regulator, or ongoing dispute requires it. After that period we delete or anonymize them. We cannot delete information already recorded on a public blockchain (for example a USDT transaction hash or on-chain address).

Delete some data without closing your account

Email the same address and tell us what to remove (for example a saved MoMo number, connected wallet, or optional profile field). We will do that where we can. KYC and transaction history cannot be erased while the account is open, or during the retention period above.

9. Your choices and rights

Subject to applicable law, you may request to:

  • Access the personal information we hold about you
  • Correct inaccurate profile information
  • Receive a copy of certain data in a portable format
  • Delete your account and associated data, or some data while keeping the account, as described in section 8
  • Object to or restrict certain processing where the law allows

To make a request, email support@stablenest.app. We may need to verify your identity before fulfilling the request. Some data cannot be deleted while required for ongoing transactions, fraud prevention, or regulatory retention.

You can update certain profile details in the app. You may also stop using the Service at any time.

10. Children

The Service is for users aged 18 and older. We do not knowingly collect personal information from children. If you believe a minor has created an account, contact us and we will take appropriate steps.

11. International partners

Some partners that help us deliver authentication, custody, identity verification, or infrastructure may process data outside Ghana. Where that happens, we take steps appropriate to the relationship and applicable law so that information remains protected.

12. Changes

We may update this Privacy Policy from time to time. Material changes will be notified through the app, email, or our website. The “Effective” date at the top shows when the current version took effect.

13. Contact

Privacy questions or requests: