Privacy Policy

1. Data We Collect

We collect the following:

1.1 Personal Information

• Full name
• Phone number
• Email address
• Date of birth
• BVN (when required for verification)
• Address
• ID documents

1.2 Financial Information

• Bank account details
• Transaction history
• Savings plan activity

1.3 Technical Information

• Device details
• IP address
• Cookies
• Usage analytics

2. How We Use Your Data

We use your data to:

• Create and manage your account
• Process savings, interest, and withdrawals
• Conduct KYC/AML compliance checks
• Improve platform performance
• Generate certificates of savings
• Communicate updates, alerts, and promotions
• Prevent fraud and ensure security

3. Legal Basis for Processing

We process your data based on:

• Your consent
• Performance of our contract with you
• Compliance with Nigerian regulatory requirements
• Legitimate business interests

4. Data Sharing

We may share your data with:

• Licensed financial partners
• Payment processors
• Identity verification partners
• Regulators (if required by law)
• Cloud hosting providers

We do not sell your personal data.

5. Data Security

We implement:

• Encryption in transit and at rest
• Two-factor authentication
• Access control and auditing
• Regular security assessments

6. Data Retention

We retain data:

• As long as your account is active
• For up to 5–7 years to satisfy regulatory requirements
• Longer where legally required (e.g., fraud investigations)

You may request data deletion where permitted by law.

7. Cookies

We use cookies to:

• Improve user experience
• Track performance
• Enable login and session security

You may disable cookies in your browser settings.

8. Your Rights

You have the right to:

• Access your data
• Request correction
• Request deletion (where applicable)
• Object to certain processing
• Withdraw consent
• Request data portability

Requests can be sent to privacy@cashon.ng.

9. Children's Privacy

CashOn is not intended for users under 18.

We do not knowingly collect data from minors.

10. Changes to This Policy

We may revise this policy periodically.

Updates will be communicated via email or in-app notifications.

11. Contact

For questions about privacy:

privacy@cashon.ng

CashOn Technologies Ltd., Lagos, Nigeria