BEGƏW Privacy Policy

BEGƏW is a financial management, accounting, planning and business-management software solution provided by DGV Group Ltd. BEGƏW is available through https://begew.com, and the corporate website of the group is https://dgv.solutions.

DGV Group Ltd is the entity responsible for the BEGƏW service and, where applicable, acts as the data controller for personal data processed to operate and administer the service.

Where DGV Group Ltd processes information on behalf of a business or other customer using BEGƏW — for example the accounting records, employee records or customer records that the business itself enters — DGV Group Ltd may act as a processor or service provider for that customer, depending on the nature of the processing and applicable law. In those cases the customer decides what is recorded and why.

This Privacy Policy applies to the BEGƏW website and application, and in particular to:

• account registration and sign-in
• Personal, Family and Company workspaces
• accounting and financial-management features
• uploads and imports
• invoices and receipts
• budgeting, planning and forecasting
• reporting
• Pulse and Financial Health features
• notifications, reminders and calendar features
• customer support
• subscriptions and payments
• integrations with third-party services
• administrative features
• communications with DGV Group Ltd

It applies to visitors, registered users, customers, administrators, employees and users of business accounts, and other persons whose data is legitimately processed through BEGƏW.

Account information. This may include name, email address, telephone number, country, language, sign-in and authentication information, account preferences and profile information.

Workspace information. This may include personal and family workspace information, company information, business name and type, business contact details, roles and permissions, and branch, project or cost-centre information.

Financial and accounting information entered or uploaded by users. This may include:

• income, expenses and transactions
• accounts and balances
• assets, liabilities and equity
• budgets and plans
• invoices and receipts
• supplier and customer information
• bank statement, cashbook and mobile-money information
• tax-related information
• payroll-related information where users choose to enter it
• inventory information
• projects and reporting dimensions
• financial reports, accounting records and supporting documents

DGV Group Ltd does not sell users' financial information.

Uploaded files. Users may upload bank statements, accounting spreadsheets, invoices, receipts, supporting documents, administrative documents and other financial records. BEGƏW may process these files to provide the functionality requested, such as extraction, classification, reconciliation, accounting preparation, reporting or storage.

Technical information. This may include IP address, browser and device information, operating system, application activity, log information, authentication and security events, approximate technical location information where legitimately necessary, and cookies or similar technologies. BEGƏW does not collect precise device location.

Communications. This may include customer-support messages, emails, feedback, complaints, service requests and notification preferences.

Information may be processed in order to:

• create and manage accounts and authenticate users
• provide the BEGƏW service and maintain Personal, Family and Company workspaces
• process accounting and financial records and generate reports
• perform calculations and financial analysis
• provide budgeting, planning, Pulse and Financial Health functionality
• classify transactions and suggest accounting categories and accounts
• reconcile financial records and detect possible duplicates or errors
• provide notifications, reminders and calendar entries the user has enabled
• provide customer support
• administer subscriptions and process payments through authorised payment providers
• prevent fraud, abuse and security incidents and maintain system integrity
• troubleshoot and improve the service
• comply with legal obligations and respond to lawful requests
• establish, exercise or defend legal claims
• maintain appropriate business and accounting records

Automated figures, classifications and suggestions produced by BEGƏW are provided to assist users. They are not guaranteed to be correct and do not constitute professional financial, accounting, tax or investment advice.

Depending on the circumstances and the law that applies, processing may rely on:

• consent
• performance of a contract, or steps requested before entering into a contract
• compliance with a legal obligation
• legitimate interests, where permitted
• protection of vital interests, where legally applicable
• other lawful grounds recognised by applicable law

Where consent is required, it must be freely given, specific, informed and capable of being withdrawn. Withdrawing consent does not affect the lawfulness of processing carried out before the withdrawal.

Financial information can be highly confidential, and BEGƏW treats it accordingly. Users should upload only information they are authorised to provide.

Users should never upload:

• passwords or authentication secrets
• PINs
• payment-card security codes
• private cryptographic keys
• any credential that BEGƏW does not require

BEGƏW will never ask users to provide passwords or payment-card security codes through ordinary support channels.

BEGƏW uses automated rules, calculations and algorithms to classify transactions, identify possible duplicates, suggest categories and accounts, identify possible matches, highlight anomalies, propose budgets, generate financial insights, calculate ratios and produce Pulse and Financial Health information.

These outputs are suggestions and estimates. They are not infallible, and authorised users remain responsible for reviewing and approving accounting information.

Where a decision produced by automated means could materially affect a person and applicable law provides rights in relation to automated decision-making, that person may contact us at the address in section 14 to obtain information and to request human review.

DGV Group Ltd discloses information only where appropriate and lawful, which may include disclosure to:

• authorised employees and administrators
• service providers and processors
• cloud hosting providers
• email and notification providers
• authentication providers
• payment providers
• security providers
• analytics providers, where used
• professional advisers and auditors
• legal or regulatory authorities where legally required
• a successor in connection with a lawful corporate transaction

Service providers receive only the information necessary for the service they provide and are subject to appropriate confidentiality and security obligations.

We do not sell personal data, and we do not allow third parties to use customer financial data for unrelated advertising.

Subscription payments may be processed through third-party payment partners, including mobile-money and card partners. BEGƏW may receive transaction and payment-status information from those providers.

Sensitive payment credentials are handled by the authorised payment provider. BEGƏW does not store card numbers or card security codes. The applicable provider's own terms and privacy notice apply to the payment itself and are shown or linked at the point of payment.

BEGƏW relies on cloud infrastructure and service providers, and information may therefore be processed or hosted in Cameroon or in other countries, depending on the infrastructure and providers used. We do not claim that all data is stored in Cameroon.

Where personal data is transferred outside Cameroon or another applicable jurisdiction, DGV Group Ltd implements the safeguards, contractual arrangements, authorisations or notices required by applicable law.

DGV Group Ltd implements technical and organisational safeguards proportionate to the risks, which include, where applicable:

• encryption in transit
• secure authentication
• access controls and role-based permissions
• least-privilege access
• database-level security rules restricting each account to its own records
• logging and monitoring
• backups
• secure development practices and vulnerability management
• incident response
• secure handling of credentials and secrets

No internet service can guarantee absolute security. We do not claim that BEGƏW is impossible to compromise, and we hold no security certification unless expressly stated.

Information is retained only for as long as reasonably necessary for:

• providing the service
• maintaining customer records
• fulfilling contractual obligations
• complying with accounting, tax, legal or regulatory obligations
• resolving disputes and enforcing agreements
• security and fraud prevention
• other legitimate business purposes permitted by law

Different categories of information may have different retention periods. Where a company or other workspace is closed, its records are retained for the period required by applicable accounting and tax obligations and by any deletion request process available in the application, after which they are deleted or anonymised.

We cannot promise immediate deletion of information that must lawfully be retained.

Subject to applicable law, you may have the right to:

• be informed about how your data is processed
• access your personal data
• have inaccurate information corrected or updated
• have data deleted, where applicable
• restrict processing, where applicable
• object to processing, where applicable
• withdraw consent where processing relies on consent
• receive your data in a portable form, where applicable
• rights concerning automated processing, where applicable
• lodge a complaint with the competent data-protection authority

Some requests may be limited where we have a lawful reason to retain or continue processing information, for example a statutory accounting-retention obligation.

Privacy and data-protection contact: info@dgv.solutions

DGV Group Ltd, Buea, Cameroon.

Please provide enough information for us to understand and respond to your request. We may take reasonable steps to verify your identity before disclosing or changing personal information. We will never ask for your password or full payment-card credentials in order to verify identity.

BEGƏW uses cookies and similar browser storage for essential functionality, keeping you signed in, security, and remembering preferences such as language and display settings. These are necessary for the service to work.

Where optional analytics or marketing technologies are used, appropriate consent controls are provided, and declining them does not prevent use of BEGƏW.

BEGƏW is intended for users who are legally capable of entering into the applicable service agreement. We do not knowingly collect the personal data of children where that is prohibited by applicable law.

If a parent or guardian believes information relating to a child has been improperly collected, please contact info@dgv.solutions so that appropriate action can be taken.

BEGƏW may contain links to third-party services. DGV Group Ltd is not responsible for the privacy practices of those services, and users should review the relevant third-party privacy policies.

We may update this Privacy Policy. The effective date and last-updated date are shown at the top of this page, and material changes are communicated through appropriate means, such as an in-application notice or email. Where applicable law requires it, we will seek renewed consent.

If you are not satisfied with how your information has been handled, please contact us first at info@dgv.solutions. Where applicable, you may also contact the competent Cameroon data-protection authority or another competent regulator in your jurisdiction.

This Policy is intended to operate consistently with applicable Cameroon data-protection, cybersecurity and electronic-commerce law, and with applicable CEMAC and other regional requirements. It does not claim that any single regional instrument automatically governs every user; mandatory provisions applicable to a particular user or transaction continue to apply.