Privacy Policy

We collect information you provide directly (such as your name, email, and phone number when you sign up), financial transaction information from Mobile Money, bank, and other supported financial sources, and usage data collected automatically when you use the app or website.

Rava is built for Mobile Money and mobile-first banking, so most of your financial data comes from transaction SMS notifications sent by providers like MTN Mobile Money and Orange Money, plus any bank or cooperative accounts you choose to add. Wherever possible, SMS parsing and transaction extraction happen on your device, so sensitive raw message content stays local rather than passing through our servers unprocessed.

We use your information to build your financial picture, generate personalised financial plans and reports, evaluate spending and savings patterns, identify SMS messages that resemble known Mobile Money fraud patterns, authenticate your account (via Firebase Authentication), and improve the Service.

To warn you about fraudulent Mobile Money notifications, Rava analyses incoming financial SMS against patterns associated with known scams and identifies the originating sender. This analysis is used solely to protect your account and is not used to sell you products or shared with third parties for marketing purposes.

We do not sell your personal or financial information. We share limited data with service providers who help us operate Rava — such as Firebase for authentication, our hosting infrastructure, and the automated workflows we use to generate periodic reports — each bound by confidentiality obligations.

Separately, if you opt in to Rava's Financial Intelligence as a Service program, we may share AI-generated behavioural insights and financial scores — not your raw transaction data — with partner banks, microfinance institutions, cooperatives, or insurers, so they can offer you more relevant products. This sharing is off by default and only happens with your explicit, revocable consent.

Financial data is encrypted in transit via HTTPS between the app and our backend. Core SMS parsing and transaction extraction are performed on-device wherever possible so sensitive raw data stays local, and we never ask for or store your Mobile Money or banking PIN.

You may access, correct, or request deletion of your personal information at any time by contacting us. You can also revoke SMS-reading permissions from your device settings and turn off Financial Intelligence as a Service sharing from within the app at any time — both take effect immediately, though disabling SMS access will limit core functionality.

On ravafinance.com, we use essential cookies to operate the website and, with your consent, analytics cookies to understand how the site is used. The Rava app does not use browser cookies.

Rava is not directed to children under 18, and we do not knowingly collect information from them. If you believe a child has created an account, contact us and we will delete it.

We retain your information for as long as your account is active, or as needed to comply with legal obligations, resolve disputes, and enforce our agreements. Deleting your account removes your stored transaction history and profile data, subject to any legal retention requirements.

We may update this policy as Rava adds features or expands to new markets. We'll update the "last updated" date above and, for material changes, notify you in the app.

You can reach us at hello@ravafinance.com with any questions about this policy or your data.