Privacy policy

Information we process

Little Wheel processes information you provide to use our savings services: account and contact details, identity-verification information where required, savings contributions, withdrawals and transaction history. We also process service and security information needed to operate your account.

If you join our waitlist, we use your email address and location to provide updates and understand interest in our services.

When you contact support through the app or WhatsApp, we process your message, contact identifier, conversation history and delivery information to answer your question, track the case and connect you with staff. Staff access conversations within their permitted support assignments.

How information is used and shared

We use information to operate accounts, track savings and transactions, provide support, protect accounts and meet applicable obligations. Service providers process the information needed for their role. WhatsApp messages are processed through Meta’s WhatsApp Business Platform. We do not sell your personal information.

We may disclose necessary information to respond to lawful requests or address disputes and suspected fraud.

Automated support

When available, the assistant identifies itself as AI and uses approved help, security and savings guidance. OpenAI processes limited information supplied to generate a reply. For signed-in app conversations, this may include a limited account-status summary.

WhatsApp phone-number matching alone does not grant access to private account information. WhatsApp AI replies do not receive that account summary or your in-app conversation history. Questions outside approved information, security concerns, requests for staff and failures are handed to support staff. The assistant cannot transfer money or change savings.

The integration asks OpenAI not to store response objects. This does not mean all provider retention is disabled. Meta and OpenAI retention is separate from Little Wheel’s own retention.

Messaging choices

SMS and WhatsApp support reminders require your consent through Little Wheel’s messaging preferences. You can change your preferences in your account. Replying STOP on WhatsApp disables proactive WhatsApp reminders. You can continue to seek help through the app or staff.

Support retention

Ordinary WhatsApp and in-app support conversation content is retained while the case is open, then deleted 90 days after closure. Minimal delivery and operational logs are retained for 90 days after their terminal processing event. Content-free technical identifiers may remain to prevent duplicate messages.

Documented disputes, fraud investigations and other valid holds may require necessary records to be retained for their documented purpose. Holds are reviewed, and ordinary expiry applies when released. Financial transaction and ledger records follow their separate retention requirements.

Restricted backups rotate separately from the active database. Expired records and completed deletion requests must be removed before restored data is made available to support staff. Provider-held information follows the provider’s policies.

Security and your choices

We restrict access to support information. Please avoid sending passwords, PINs, OTPs or full payment-card details in support messages.

You can contact us to request access, correction or deletion of your personal information. See the data-deletion request process for instructions and exceptions.

Contact and policy changes

For privacy questions or deletion requests, email support@littlewheel.app. We update this page when the process changes.