Privacy Policy
Last updated:
1. Introduction
Welcome to SendCedis2Naira ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.
By accessing or using our services, you consent to the practices described in this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.
2. Information We Collect
We collect several types of information to provide and improve our services:
2.1 Personal Information
When you create an account or use our services, we may collect:
- Full name, email address, and phone number
- Date of birth and government-issued identification
- Bank account details and transaction history
- Proof of address and source of funds documentation
2.2 Transaction Information
When you conduct transactions, we collect:
- Transaction amounts and currency exchange details
- Recipient information (name, bank details, contact information)
- Payment method details
- IP address and device information for security purposes
2.3 Technical Information
We automatically collect certain information when you visit our website:
- IP address, browser type, and operating system
- Device information and unique device identifiers
- Usage data, including pages visited and features used
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect for the following purposes:
| Purpose | Information Used | Legal Basis |
|---|---|---|
| Provide and maintain our services | Personal information, transaction data | Contractual necessity |
| Verify your identity and prevent fraud | Identification documents, transaction patterns | Legal obligation, legitimate interest |
| Process transactions and send notifications | Transaction details, contact information | Contractual necessity |
| Improve our services and user experience | Usage data, technical information | Legitimate interest |
| Comply with legal and regulatory requirements | All information as required by law | Legal obligation |
| Marketing and promotional communications | Contact information, preferences | Consent (where required) |
4. How We Share Your Information
We may share your information in the following circumstances:
4.1 Service Providers
We may share information with trusted third-party service providers who assist us in operating our platform, such as:
- Payment processors and banking partners
- Identity verification services
- Cloud storage and hosting providers
- Customer support platforms
4.2 Legal Requirements
We may disclose your information if required to do so by law or in response to valid requests by public authorities, including:
- To comply with a legal obligation
- To protect and defend our rights or property
- To prevent or investigate possible wrongdoing
- To protect the personal safety of users or the public
4.3 Business Transfers
In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the new entity.
4.4 With Your Consent
We may share your information with third parties when we have your explicit consent to do so.
5. Data Security
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit and at rest
- Regular security assessments and testing
- Access controls and authentication mechanisms
- Employee training on data protection
- Secure data storage and backup procedures
While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security.
6. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Our retention periods are as follows:
| Type of Information | Retention Period |
|---|---|
| Account information | 5 years after account closure |
| Transaction records | 7 years for regulatory compliance |
| Identity verification documents | 5 years after account closure |
| Customer support communications | 3 years after resolution |
| Marketing preferences | Until consent is withdrawn |
7. Your Rights and Choices
Depending on your location, you may have the following rights regarding your personal information:
7.1 Access and Correction
You have the right to access the personal information we hold about you and to request correction of any inaccurate information.
7.2 Data Portability
You may request a copy of your personal information in a structured, machine-readable format.
7.3 Deletion
You may request deletion of your personal information, subject to certain legal obligations that may require us to retain specific data.
7.4 Objection and Restriction
You may object to certain processing of your personal information or request restriction of processing in specific circumstances.
7.5 Marketing Preferences
You can opt out of marketing communications at any time by using the unsubscribe link in our emails or contacting us directly.
To exercise any of these rights, please contact us using the information provided in Section 10.
8. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track activity on our website and hold certain information. Cookies are files with a small amount of data that may include an anonymous unique identifier.
We use the following types of cookies:
- Essential Cookies: Necessary for the website to function properly
- Performance Cookies: Help us understand how visitors interact with our website
- Functionality Cookies: Allow the website to remember choices you make
- Targeting Cookies: Used to deliver relevant advertisements
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.
9. International Data Transfers
As a service that facilitates transactions between Ghana and Nigeria, your personal information may be transferred to, stored, and processed in countries other than your country of residence. We ensure that appropriate safeguards are in place to protect your information during these transfers.
10. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information.
11. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
We will also notify you via email and/or a prominent notice on our service prior to the change becoming effective, when required by law.
12. Contact Us
If you have any questions about this Privacy Policy or our data practices, please contact us:
- Email: [email protected]
- Phone: +233246352284
- Address: Accra, Ghana
- Data Protection Officer: [email protected]
By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and sharing of your information as described herein.