Effective Date: September 10, 2026
Last Updated: September 10, 2026
Micro Capital ("Micro Capital", "we", "our", or "us") operates the Micro Capital website at https://www.microcapitalbd.com/ and the Micro Capital mobile application (the "App").
This Privacy Policy explains how we collect, use, store, protect, disclose, and delete information when you use our website, mobile application, investment services, and related services (collectively, the "Services").
By using the Services, you acknowledge that you have read and understood this Privacy Policy.
Micro Capital is an investment platform focused on connecting users with selected business, agriculture, livestock, and other productive investment projects.
The Services may allow users to:
Create and manage an account
Verify their account or profile
Browse available investment projects
Review project information and investment terms
Make investments through supported payment or wallet functionality
Monitor investment activity and project updates
View applicable returns or investment performance
Request eligible withdrawals
Contact Micro Capital for support or other service-related purposes
We collect information that is reasonably necessary to provide, secure, maintain, and improve the Services.
When you create or manage an account, we may collect:
Full name
Mobile phone number
Email address
Account username or user ID
Password or authentication credentials
Profile information that you voluntarily provide
Account verification information where required
Passwords should be stored using appropriate security practices and should not be stored in plain text.
Where identity verification or regulatory requirements apply, we may collect information necessary to verify your identity or eligibility.
Depending on the verification process, this may include:
Date of birth
Address
Government-issued identification information
Identification document images
Verification photographs or other verification information
We will collect such information only where necessary for legitimate business, security, legal, regulatory, or compliance purposes.
Government identification numbers and financial information will not be publicly displayed.
Because Micro Capital provides investment-related functionality, we may process information relating to your transactions and investment activity, including:
Investment amount
Investment project selected
Transaction reference or transaction ID
Wallet balance or account balance
Deposit information
Withdrawal information
Investment date and duration
Applicable returns or payout information
Transaction status
Payment-related information necessary to process or reconcile transactions
Where payment services are provided by a third-party payment provider, payment card, bank, mobile financial service, or other payment credentials may be processed directly by that provider rather than stored by Micro Capital.
We will not publicly disclose your private financial or payment information.
When you use the App, we may automatically receive certain technical information necessary to operate, secure, and troubleshoot the Services, such as:
Device type
Operating system and version
App version
IP address
Device or app identifiers where technically necessary
Network information
Crash information
Log information
Security and fraud-prevention information
We do not use device information for purposes unrelated to the operation, security, or legitimate functionality of the Services.
We may collect information you voluntarily provide when you:
Contact customer support
Submit an inquiry
Submit feedback
Report a problem
Participate in surveys
Communicate with us through email or other supported communication channels
We may use collected information for the following purposes.
We may use information to:
Create and maintain user accounts
Authenticate users
Verify user profiles
Provide investment-related functionality
Process eligible transactions
Maintain wallet and account records
Process eligible withdrawals
Provide project information and updates
Display investment activity and account information
We may use information to:
Protect user accounts
Detect unauthorized activity
Prevent fraud and abuse
Investigate suspicious transactions
Maintain platform security
Protect users and Micro Capital
We may use information to:
Respond to questions
Resolve technical problems
Investigate complaints
Provide account-related assistance
Communicate important service information
We may process information when necessary to:
Comply with applicable laws and regulations
Respond to lawful requests from government or regulatory authorities
Establish, exercise, or defend legal claims
Detect or prevent illegal activity
Meet applicable financial, accounting, tax, anti-fraud, or compliance obligations
We may use technical and aggregated information to:
Understand application performance
Diagnose errors
Improve features
Improve security
Maintain and develop the Services
We will not use personal information for unrelated purposes without appropriate notice and, where required, user consent.
We do not sell personal or sensitive user information.
We may share information when reasonably necessary for legitimate purposes described in this Privacy Policy.
We may share necessary information with trusted service providers that help us operate the Services, including:
Hosting and cloud infrastructure providers
Payment and financial transaction service providers
Identity or account verification providers
Security and fraud-prevention providers
Customer support providers
Technical and maintenance providers
Analytics providers, if used by the App
These providers may process information only for the services they provide to Micro Capital and subject to appropriate contractual or legal safeguards.
We may disclose information where required or permitted by applicable law, including to:
Courts
Law-enforcement authorities
Government agencies
Financial or regulatory authorities
Tax authorities
Professional advisers where legally appropriate
If Micro Capital is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar transaction, personal information may be transferred as part of that transaction, subject to applicable privacy and legal requirements.
The App may use third-party services or software development kits (SDKs) to provide functionality, security, analytics, communications, payments, or other services.
Any third-party SDK used in the App must comply with applicable Google Play requirements and must handle user data consistently with the disclosures made by Micro Capital.
Micro Capital will review third-party SDKs and update this Privacy Policy and the Google Play Data Safety section when the App's data practices change.
We take reasonable technical and organizational measures to protect personal information against:
Unauthorized access
Unauthorized disclosure
Loss
Misuse
Alteration
Destruction
Security measures may include:
Encryption of data in transit
Access controls
Authentication mechanisms
Secure server infrastructure
Monitoring and logging
Security updates
Restricted employee or contractor access
No electronic system can be guaranteed to be completely secure. Therefore, while we take reasonable measures to protect information, we cannot guarantee absolute security.
We retain personal information only for as long as reasonably necessary to:
Provide the Services
Maintain account and transaction records
Complete or reconcile financial transactions
Meet legal, regulatory, tax, accounting, fraud-prevention, and security requirements
Resolve disputes
Enforce agreements
Protect our legal rights
When information is no longer required, we will delete it, anonymize it, or securely dispose of it where reasonably practicable and permitted by law.
Some transaction or financial records may need to be retained for a legally required period even after an account is closed.
Users may request deletion of their Micro Capital account and associated personal information.
To request account deletion, contact us:
Email: microcapitalbd@gmail.com
Subject: Account Deletion Request
The request should include enough information for us to identify the relevant account. Users should not send passwords, PINs, or unnecessary sensitive information by email.
Where the App provides an account deletion function, users may also initiate deletion directly through the App.
Upon receiving a valid deletion request, we will take reasonable steps to delete the user's account and associated personal information, except information that we are legally required or legitimately permitted to retain.
Information retained for legal, regulatory, fraud-prevention, accounting, financial transaction, or dispute-resolution purposes will be restricted and retained only for the applicable period.
Depending on applicable law, you may have rights relating to your personal information, including the right to:
Know what personal information we process
Request access to your personal information
Request correction of inaccurate information
Request deletion of personal information
Withdraw consent where processing is based on consent
Object to or restrict certain processing
Request information about how your data is shared
Request information about retention and deletion
Some rights may be subject to legal limitations or exceptions.
To exercise your rights, contact:
Email: microcapitalbd@gmail.com
The Services are not intended for children who are below the minimum age required to legally use the applicable financial or investment services.
We do not knowingly collect personal information from children in violation of applicable law.
If we become aware that personal information from a child has been collected improperly, we will take reasonable steps to delete the information.
The Micro Capital website may use cookies or similar technologies necessary for:
Website functionality
Authentication
Security
Session management
Preferences
Performance monitoring
Cookies may also be used by third-party services integrated into the website where applicable.
Users may manage cookies through their browser settings. Disabling certain cookies may affect website functionality.
The App does not require continuous background location information unless a specific feature requires it.
If a future feature requires location information, Micro Capital will:
Request only the level of location access necessary for that feature
Explain why location access is required
Request permission through the applicable Android permission mechanism
Use location information only for the disclosed purpose
Avoid unnecessary background location collection
We may send communications necessary to operate your account or provide the Services, including:
Account notifications
Transaction notifications
Investment or project updates
Security alerts
Verification messages
Service announcements
Customer support communications
Where required, marketing communications will provide an appropriate method to opt out.
Micro Capital may process financial and investment-related information because the Services provide investment-related functionality.
We will take reasonable measures to protect such information and will not publicly disclose private financial information.
Information displayed in the App about projects, expected returns, investment periods, or other financial matters is provided according to the applicable project terms.
Investment involves risk. Returns are not guaranteed unless expressly stated in a legally binding agreement and permitted under applicable law.
Nothing in this Privacy Policy constitutes investment advice, a guarantee of returns, or a representation that any investment is risk-free.
The Services may contain links to third-party websites or services.
This Privacy Policy does not apply to the privacy practices of third-party websites or services that Micro Capital does not control.
Users should review the privacy policies of third-party services before providing personal information to them.
Depending on the service providers used by Micro Capital, personal information may be processed or stored in Bangladesh or another country.
Where personal information is transferred across borders, Micro Capital will take reasonable steps to ensure that the transfer is handled in accordance with applicable privacy and data protection requirements.
If Micro Capital becomes aware of a security incident involving personal information, we will investigate the incident and take reasonable steps to contain, mitigate, and remediate it.
Where required by applicable law, we will notify affected users and/or relevant authorities.
Micro Capital will maintain an accurate Google Play Data Safety declaration corresponding to the actual data practices of the production version of the App.
The Data Safety information may include categories such as:
Personal information
Contact information
Financial information
Authentication information
Device or other technical information
App activity information
The exact Data Safety declarations depend on the actual data collected by the published App and the SDKs integrated into it.
The information disclosed in Google Play's Data Safety section must remain consistent with the App's actual data practices and this Privacy Policy.
We may update this Privacy Policy from time to time to reflect:
Changes to our Services
Changes in technology
Changes in our data practices
Changes in applicable law
Changes to Google Play requirements
When we make material changes, we will update the "Last Updated" date and, where appropriate, provide additional notice through the App, website, or other communication method.
Users should periodically review this Privacy Policy.
The Micro Capital website and mobile application are operated and maintained with technology development and technical support services provided by Arch Code Solutions.
Arch Code Solutions is responsible for certain technical aspects of the Micro Capital platform, which may include:
Application development and maintenance
Website development and maintenance
Server and infrastructure management
Software updates and bug fixes
Technical support and troubleshooting
Application security and performance monitoring
System maintenance and technical improvements
Arch Code Solutions may have limited access to technical information and user data where such access is necessary to provide, maintain, secure, troubleshoot, or improve the Micro Capital Services.
Any access to personal or sensitive user information by Arch Code Solutions will be limited to what is reasonably necessary for providing the contracted technical services. Arch Code Solutions is not permitted to use user information for its own independent purposes or sell user information.
Micro Capital remains responsible for determining how user information is collected, used, shared, retained, and deleted in connection with the Micro Capital Services.
Arch Code Solutions
Website: https://archcodesolution.web.app/
For privacy-related requests concerning Micro Capital user accounts or investment services, users should contact Micro Capital at:
Email: microcapitalbd@gmail.com
Phone: 01710-286515
Location: Dhaka, Bangladesh
If you have questions, complaints, requests, or concerns regarding this Privacy Policy or our handling of personal information, please contact us:
Micro Capital
Email: microcapitalbd@gmail.com
Phone: 01710-286515
Address: Dhaka, Bangladesh
Website: https://www.microcapitalbd.com/
For account deletion requests, please use the subject line:
"Account Deletion Request"
By using the Micro Capital App or Services, you acknowledge that you have read and understood this Privacy Policy.
Where applicable law requires consent for a particular form of data processing, Micro Capital will obtain the required consent before processing that information.
Last Updated: September 10, 2026