  A bottom-up approach has been adopted to identify a flavour model that agrees
with present experimental measurements. The charged fermion mass hierarchies
suggest that only the top Yukawa term should be present at the renormalisable
level. Similarly, describing the lightness of the active neutrinos through the
type-I Seesaw mechanism, right-handed neutrino mass terms should also be
present at the renormalisable level. The flavour symmetry of the Lagrangian
including the fermionic kinetic terms and only the top Yukawa is then a
combination of $U(2)$ and $U(3)$ factors. Once considering the Majorana
neutrino terms, the associated symmetry is $O(3)$. Lighter charged fermion and
active neutrino masses and quark and lepton mixings arise considering specific
spurion fields {\it \`a la} Minimal Flavour Violation. The associated
phenomenology is investigated and the model turns out to have almost the same
flavour protection as the Minimal Flavour Violation in both quark and lepton
sectors. Promoting the spurions to dynamical fields, the associated scalar
potential is also studied and a minimum is identified such that fermion masses
and mixings are correctly reproduced. Very precise predictions for the Majorana
phases follow from the minimisation of the scalar potential and thus the
neutrinoless-double-beta decay may represent a smoking gun for the model.
