Privacy Policy

Effective Date: February 2, 2026

SmartCheq is a free macOS application developed by Albert McKeever / Tower Point Group for research and educational purposes only.

Information We Collect

In the SmartCheq App: SmartCheq is an offline simulation tool. It does not collect, store, transmit, or share any personal information from users. All data created (e.g., simulated vaults, transactions, logs) stays on your device only and is not sent elsewhere.

On the Website (smartcheq.com): We may collect basic, non-personal data such as:

  • Browser type, IP address, and general location (for analytics and security)
  • Pages visited and time spent (via standard web server logs or simple tools like Google Analytics, if used)
Important: We do not use cookies for tracking across sites, nor do we collect names, emails, or other identifiable information unless you voluntarily provide it (e.g., via email contact).

How We Use Information

Any limited data from the website is used only to:

  • Improve site performance and content
  • Understand visitor trends (aggregated and anonymous)
  • Respond to inquiries if you contact us

We do not sell, rent, or share your personal information with third parties for marketing. We may share anonymized data for research or legal compliance if required.

Third-Party Services

If the website uses analytics (e.g., Google Analytics), their privacy policies apply to that data collection.

See: Google Privacy & Terms

Your Choices

You can use the app without any data collection. For the website, use browser privacy tools (e.g., block trackers, clear cookies) if desired.

Contact

Questions about this policy?

Email: info@towerpointgroup.com

Note: SmartCheq is not affiliated with any central bank or financial institution.

🗑️

Remove Saved Contact?

Contact Name
abc123...xyz789

⚠️ You will need their Cash Code again to send them money in the future.

CBDC Preview
Status Valid
Currency -
Amount -
Serial Number -
Uploading files...
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💸
Confirm Giving Cash
Check the details below
Amount GHS 0.00
To Cash Code ...
Cash Notes 0
⚠️

Already Transferred

The following CBDC notes have already been transferred and cannot be used again.

📱 Your Digital Cash Code QR

Let others scan this to send you money

How to use: The sender opens "Send Digital Cash" and taps the scan icon to read this QR code.

Trade Claim Submission

Submit verified trade to request cross-border liquidity.

Claiming Institution

Select Country...
Select Country first...

Select a country to load available institutions.

Trade Details

Beneficiary Information

Supporting Documents

Click to upload or drag and drop

PDF, PNG, or JPG (max 10MB each)

Declarations

Trade Claim Submitted!

Your trade claim has been successfully submitted and is now pending
review for pre-clearance by regulators.

Trade Claim ID:
TC-20260215-000000

An initial pre-clearance review shows your trade appears compliant.
It will now be routed for final approval.

Pre-cleared trade is pending review by regulators for approval.
Beneficiary funds will be held while the trade is being finalized.
Track status any time via the Issuance → Desk section.
📊 Trade Summary:
Trade Amount KES 1,000,000
Trade Direction Import into Nigeria
Beneficiary Kenya Exports Ltd
Help & Docs · Contact Support · Dashboard

Draft Saved!

Your trade claim has been saved as a draft.
You can continue editing it anytime.

Draft Reference:
TC-00000000

Your draft has been saved and can be accessed from your dashboard.
Complete the submission when you're ready.

Draft saved securely to your account.
Continue editing anytime from your dashboard.
Submit when ready via Drafts section.
📋 Draft Summary:
Amount KES 0
Direction -
Status Draft
Help & Docs · Contact Support · Dashboard

Issuance Desk

Manage and review recent cross-border trade claims.

Claim ID
Direction
Destination Corridor
Amount
Status
View

Loading trade claims...

No trade claims found

Showing 0 of 0
Help & Docs · Contact Support · Dashboard
SA
Admin Console v1.2.3

Administrator Console

System management and monitoring dashboard.

Total Corridor Volume
USD Equivalent
Pending Claims
⏳ Pending
Daily Limit Utilization
USD Equivalent
Non-Compliance Alerts
Admin viewed trade claims. Today at

Latest Trade Claim Activity

Read-only monitoring view. No transactional authority.

ID Institution Amount Corridor Status Risk
Loading claims...

Corridor Volume

0

Active Issuance Queue

0 Pending requests

Corridor Quota Limits

Corridor Corridor Limit Remaining Daily Limit Remaining Compliance Status
Loading corridor data...
Admin Console v1.2.3
🔒 System Admin