Privacy Policy

Disclaimer for APF:

This platform/group is a private, member-only savings club designed to help participants track, manage, and store their own pooled funds in a transparent and collaborative manner.

We are not a financial institution, bank, or licensed investment firm.

• We do not offer financial advice, investment guarantees, or lending services to the public.

• All contributions are made voluntarily by members, with full knowledge of the terms agreed upon by the group.

• Funds are collected for safekeeping, tracking, and group investment decisions only, based on mutual agreement.

• No member shall act as a professional fund manager or take custody of funds outside the agreed-upon system.

SMS & Messaging Privacy

Collection & Use of Mobile Numbers

We collect mobile phone numbers and SMS consent when users voluntarily provide them (for notifications and messages). We use this information solely to send messages that users have opted into.

No Sharing with Third Parties

We do not share, sell, rent, or disclose mobile phone numbers or SMS consent with any third party or affiliate for marketing or promotional purposes, except as required by law.

Opt-In and Opt-Out

By providing your mobile number, you consent to receive SMS messages from A Perfect Fifth®. Standard message and data rates may apply.

If you no longer wish to receive messages, you may reply STOP at any time to unsubscribe.

Terms of Use

By joining this group/app, each member agrees to:

1.Participate in good faith and contribute honestly as per the agreed rules.

2.Keep all group-related financial information confidential.

3.Accept that all decisions are made democratically and may carry financial risks.

4.Understand that no profits, interest, or returns are guaranteed.

5.Recognize that this group does not provide regulated financial services and is not covered by formal investor protection laws.

Members are encouraged to seek independent financial advice before making any decisions involving their money.

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App Legal Statement (for mobile/web apps)

Important Notice: This application is a digital record-keeping tool designed to support informal group savings and investment tracking. We do not store, lend, or invest money on behalf of users, and we do not act as a wallet, bank, or payment service provider.

Interest Earnings

Any interest generated from pooled group funds held in a bank account or digital wallet may be retained by A Perfect Fifth® and used exclusively for app upkeep, platform maintenance, and operational costs.

By participating, members acknowledge and agree that such interest earnings shall not be distributed to individual members and are not considered part of the group’s shared contributions.