BrokerGuard: CMA Directory & Safety Registry

1 Introduction & Mission

BrokerGuard ("the Application") is an independent consumer protection utility published by Tech2U Savannah. The Application enables retail investors, forex traders, and the general public across Kenya and East Africa to verify whether financial entities, forex brokerages, and fund managers hold valid licenses with the Capital Markets Authority (CMA) of Kenya and international statutory regulators.

2 Unofficial Regulator Mirror & Non-Advice Disclaimer

BrokerGuard is an independent consumer research directory. BrokerGuard is not a regulatory authority, is not affiliated with, endorsed by, or part of the Capital Markets Authority (CMA) of Kenya, the Central Bank of Kenya (CBK), or any international securities commission.

A "Licensed" status returned by BrokerGuard indicates solely that the entity name matched a public licensee register at the dataset synchronization timestamp indicated in the app. It does not constitute investment advice, credit rating, endorsement, or deposit insurance. Users must verify live standings directly on official regulatory portals before committing funds.

3 Information We Do Not Collect

BrokerGuard is architected with strict Privacy-by-Design principles. We deliberately operate without user accounts or server authentication:

• No Identity Data: We do not ask for or collect names, National ID numbers, telephone numbers, or email addresses.
• No Financial Credentials: We never handle M-Pesa PINs, bank accounts, credit card numbers, or broker login credentials.
• No Server Tracking of Searches: Queries entered into the search bar are parsed and matched locally against the on-device dataset sandbox. Your search terms are not transmitted to any remote analytics server.

4 Local Device Data & Search History Governance

For user convenience, BrokerGuard stores recent searches locally on your device via secure SharedPreferences storage:

• Search history stays strictly inside your device's isolated application sandbox.
• You can permanently wipe your entire search history at any time inside Settings & More → Clear Search History.
• Uninstalling the Application immediately destroys all locally cached search data and preferences.

5 Device Permissions & Technical Justifications

6 Monetization & Google UMP Consent Framework

BrokerGuard is free to use and monetized responsibly via Google AdMob banner and interstitial advertising:

• Certified Consent Management: We implement the Google User Messaging Platform (UMP) SDK compliant with IAB Europe TCF v2.2. Ads are never requested or served in EEA, UK, or Switzerland without verified user consent.
• On-Demand Consent Revocation: You can review or revoke your consent preferences at any time by navigating to Settings & More → Consent Preferences in the Application.
• No Intrusive Interruptions: Advertisements never interrupt emergency scam report submissions or official regulator lookup results.

7 Featured Regulated Broker Partner Links (HFM)

BrokerGuard features legitimate, CMA-regulated partner brokerages (such as HFM / HF Markets Kenya Limited, CMA License No. CMA/FX/007) to direct traders safely away from fraudulent operators. Tapping on external partner buttons opens the partner's verified official portal via your web browser. Partner relationships undergo verification to ensure active statutory licensing.

8 Children's Privacy (COPPA & GDPR-K Compliance)

BrokerGuard is a financial regulatory verification tool intended for adults and retail investors aged 18 and older. We do not knowingly collect personal information from children under 13 (or under 16 in the EEA/UK). If you believe a child has provided personal information, contact us immediately.

9 Global Regulatory Compliance & User Rights

Under the Kenya Data Protection Act 2019, EU GDPR, UK GDPR, and California CCPA/CPRA, users have the right to access, rectify, or erase data. Because BrokerGuard does not collect or maintain centralized personal data on remote servers, your primary mechanism of data management is on-device deletion via Clear Search History or app uninstallation.

10 Contact Developer & Dispute Resolution