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SENG is a product of Stichting Marlin Yard. SENG, as well as any affiliated or related company (collectively, “SENG”, “we”, “us” or “our”), recognizes the importance of your privacy. This privacy policy tells you what personal information we collect and how we use it. SENG may change this privacy policy from time to time, in its sole discretion, and any such changes will become effective when we post the revised privacy policy online.

By using any SENG service, website, application, product, software, data, content, and/or service (collectively, the “Services”), you are declaring that you understand and agree to the terms of this policy.

1. What Information Do We Collect?

A) Personally-Identifiable Information: We may collect personally identifiable information when you specifically and knowingly provide it to us, for example when you access the Services and provide your name, address, email address and similar personal information; when you register and provide your bank and other financial information; when you create User Content (as defined in the SENG Terms of Service); or when you contact us with your name, address, or email address. SENG does not consider personal Information to include information that has been anonymized so that it does not allow a third party to easily identify a specific individual. We collect and use personally-identifiable information to operate and improve our Services, to allow you to provide third parties or other Users access to your User Content, to provide customer service, to communicate with you when requested, and to perform research and analysis aimed at improving our products, services and technologies.

You may always choose not to provide personal information, but if you choose so, the Services will not be available to you. Note that personally identifiable information we collect and your User Content may be stored and processed in the Netherlands or any other country in which we or our affiliates, subsidiaries, contractors or agents maintain facilities; by using the Services, you consent to any such transfer of information outside of your country.

B) Non-Personally-Identifiable Information: We may collect and aggregate non-personally identifiable information, such hardware types, geographic location, and access times and durations.

C) Website Use and Technologies: When you use the Services, SENG, or third parties on our behalf, may collect non-personally identifiable information via the use of pixels, programs, cookies and other similar technologies.

Cookies, for example, are pieces of information that are transferred to an individual’s hard drive for record-keeping purposes. They are used to assist you in using site information and content by saving your user preferences which allows us to identify registered users and save you time by eliminating the need to repeatedly enter the same information. They are also used to collect aggregate information about users on an anonymous basis. In addition to cookies, we may use other technologies, including single-pixel gifs (also known as web beacons) on our websites and in promotional e-mail messages or newsletters. These electronic images assist us in determining how many users have visited certain pages or opened messages or newsletters. We do not use these single-pixel gifs to collect personal information. You have the ability to accept or decline cookies. Most browsers automatically accept cookies, but you can modify your browser setting to decline cookies or to request your permission each time a service attempts to set a cookie. Please be aware that the site is optimally designed to operate with cookies enabled in your internet browser. If you choose to decline cookies, you may not be able to sign in or use other interactive features of the Services that depend on cookies.

2. What Do We Do With The Information That We Collect?

Except as disclosed in this privacy policy, SENG does not share your personal information with any outside parties.

A) SENG will use the personally identifiable information directly submitted by you and your User Content solely for the purpose for which you have provided it, such as processing transactions (including related communications); providing notices, updates, security alerts, and support; providing a third-party access to your User Content as provided for on the Services or as needed to complete any Services. We may share this as your agent and attorney-in-fact with the third-parties which you have selected to perform services on your behalf such as financial institutions, payment processors, other Users, or service providers who perform services on our behalf such as providing data storage, data transmission, etc. Service providers will be permitted to obtain only the personal information they need to provide the Services, will be required to maintain the confidentiality of the information, and will be prohibited from using it for any other purpose. Also, if we go through a corporate sale, merger, reorganization, dissolution or similar event, data we gather from you may be part of the assets transferred or shared in connection with due diligence for any such transaction. Any acquirer or successor company may continue to use the data we collect from you as described in this notice.

B) SENG, third-parties you authorize, or our third-party partners will use non-personally-identifiable information to track and analyse usage and volume statistical information from our users to administer content and to provide the Services. We may also perform statistical analysis of user behaviour in order to measure interest in our online products and services for product development purposes.

C) Disclosure: As a general rule, SENG will not disclose any of your personally identifiable information or your User Content except under one of the following circumstances: we have your permission; we determine in good faith that it is legally required to be revealed by any relevant statute, regulation, ordinance, rule, administrative or court order, decree, or subpoena; information revealed during the course of SENG smart’s enforcement of the policies and procedures of the Services; information that we determine must be disclosed to correct what we believe to be false or misleading information or to address activities that we believe to be manipulative, deceptive or otherwise a violation of law; where you are otherwise notified at the time we collect the data; where we need to share your information to provide the product or service you have requested; when such disclosure is made subject to confidentiality restrictions in connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the business conducted by SENG smart. SENG may share the non-personally identifiable information that ROSCA gathers, in aggregate form only, with advertisers and other partners.

3. Children’s Policy

The SENG Service Terms and Conditions clearly provide that Users must be at least 18 years old to use the Services. SENG does not knowingly collect personally identifiable information from Users under 18. In the event that we learn that we have collected any personal information from a User under the age of 18, we will attempt to identify and delete that information from our database.

4. Social Network Applications

The Services allow you to elect to access the data on your profile in social networks, and to interact through features on the social networks. This access is not activated automatically but require express authorization by you. The Services allow you to authorize us to obtain information about you that is available on the social network (for instance name and surname), as well as to interact with our account. For further information on the use of Personal Information by social networks, you should review their respective privacy policies.

5. International Usage

The Services are owned by SENG and may be accessed in the Netherlands and abroad. For data protection purposes, SENG is the controller. SENG or third-parties you authorize may be the processor of Your User Content. Your data may be sent to the Netherlands and possibly other countries. We store data about and from Users on cloud servers, and we may also store this data on servers and equipment in other countries. Information collected may be retained, and may be stored, processed, accessed, and used in jurisdictions whose privacy laws may be different and less protective than those of your home jurisdiction. If you are located outside of the Netherlands, please note that the information you provide to us may be transferred to the Netherlands or our cloud servers. By using the Services, you consent to such transfer.

6. How Does A User Change Or Update Information?

If you have any questions or concerns about this privacy policy or would like the personally identifiable information that you have provided to be removed from our files, please contact SENG via email at

7. Security and Encryption

We follow generally accepted industry SENG to help protect your personal information. No method of transmission over the internet, mobile technology, or method of electronic storage, is completely secure. Therefore, while we endeavour to maintain physical, electronic, and procedural safeguards to protect the confidentiality of the information that we collect online, we cannot guarantee its absolute security. Our Service has security measures in place designed to protect against the loss, misuse and alteration of the information under our control. We use SENG Secure Socket Layer (SSL) encryption that encodes information for such transmissions. All Services information is maintained on secure servers. Access to stored data is protected by multi-layered security controls including firewalls, role-based access controls and passwords.

All bank/wallet account information is securely processed directly with our partners. None of our company’s internal servers are able to view or obtain plaintext card numbers.

8. Changes to This Policy

We reserve the right to change the terms of this privacy policy at any time. When we make changes, we will revise the “last updated” date at the top of the policy. If there are material changes to this statement or in how we will use your personal information, we will notify you by prominently posting a notice of such changes here or on our home page, or by sending you an email. We encourage you to review this policy whenever you visit one of our sites.

9. Choices about Data

To request deletion of, access to, or to make changes to data we’ve collected from you via the Services, email us at Please note that even if you request that we delete data we’ve collected from you, we may still retain data collected from you in an aggregated or anonymized form that does not identify you. We also will not delete your data if we are legally required to maintain it.

If you are receiving promotional emails from us, you can choose to stop receiving those by following the unsubscribe/opt-out instructions in those emails. You can also opt-out by contacting

Group Moderator Privacy and Security

Who can view my private money pool?

Your private money pool is visible to anyone who has the pool link, i.e. anyone you or your friends have shared it with. No one will be able to find your money pool via a search engine.

If you choose to display your contributor details, your incoming transactions will be visible to anyone who visits the private money pool. 

How secure are money pools contributions?

You get the same security you’re used to with our Seng app: 

·        We use industry-leading technology to keep your information safe.

·        We automatically encrypt your confidential info in transit from your computer to ours using the Secure Sockets Layer protocol (SSL) with an encryption key length of 128-bits. Before you even register or log in to the Seng app, our server checks that you’re using an approved and updated smart device system.

·        Seng servers sit behind an electronic firewall and are not directly connected to the internet, so your private information is available only to authorized computers.

Will any of my account info be shared when I create a Money Pool?

No information is shared without your consent. The only information available publicly through your money pool is your Profile photo (if you have one), and the name associated with your Seng account. This information is shared to reassure your friends and family that they are sending money to the correct person.

About Seng

Seng is a digital platform that helps you Build Credit, Borrow Cheaper, Invest Better and Save Faster. Seng pledges to create Crowd-Profit Sharing opportunities. Our goal is to reinvest in our social mission that gives communities the tools to create possibilities for themselves which in turn enhances their quality of life. Also when putting all efforts together this makes Eco Project Developments possible.

Seng © 2021 is a product of Stichting Marlin Yard. All Rights Reserved.