CadRemit

Last Updated: May 25, 2024.

CadRemit is 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 website or services ("Services"). Please read this Privacy Policy carefully to understand our practices regarding your information.

1. Information We Collect

Personal Information: When you use our Services, we may collect personal information that you provide to us voluntarily. This may include your full name, address, email address, telephone number, date of birth, occupation, location, means of identification, and any other information necessary for the provision of our Services. This information is provided by you when you register on our website, sign up for our services, or contact us.

Financial Information: To facilitate remittances and payments, we may collect financial information such as bank account details, or other payment instrument details. We use trusted third-party payment processors to handle these transactions securely.

Usage Information: We may collect information about your interactions with our website, including your IP address, device information, browser type, referring/exit pages, and usage patterns. This data is collected automatically through cookies and similar technologies.

Feedback and ratings: Information you provide to us and the content of messages you send to us, such as feedback, and products reviews you write.

Location Information: We may collect or infer your general location information when you use our Services. For example, your IP address may indicate your general geographic region, which will be matched against our IP whitelist.

Sensitive Personal Data: Where it becomes necessary to process your sensitive personal data for any reason, we rely on your prior express consent for any processing which is voluntary. We may enhance personal information we collect from you with information we obtain from third parties that are entitled to share that information.

2. Use of Information

We use the information we collect for various purposes, including:

Providing and Improving our Services: We use your information to process remittances, communicate with you, verify your identity, and provide customer support. We may also use your information to enhance and improve our Services, develop new features, and analyze user trends.

Compliance with Legal Obligations: We may use your information to comply with applicable laws, regulations, and legal processes. This includes anti-money laundering regulations, fraud prevention, and reporting obligations.

Communication and Marketing: We may use your contact information to send you promotional and marketing materials related to our Services. You can opt out of these communications at any time by following the instructions provided in the communication or contacting us directly.

3. Basis for Processing Personal Data

We or any third party acting on our behalf shall only process your personal data if at least one of these conditions are met:

Consent: This refers to any freely given, specific, informed, and unambiguous indication through a statement or a clear affirmative action that signifies your agreement to the processing of your Personal Data by Us.

Contract: Processing is necessary for the performance of a contract or entering a contract at the request of the Data Subject only.

Legal obligation: Processing is necessary for compliance with a legal obligation to which We are subject.

Vital interest: Processing is necessary to protect the vital interests of the individual or of another natural person.

Legitimate interest: Processing is necessary to pursue our legitimate interest.

Public interest: Processing is necessary for the performance of a task carried out in the public interest or in the exercise of official authority vested in Us.

4. How We Use Your Personal Data

To the extent permissible under applicable law, we may use your information for the following legitimate actions:

Provide and manage our Services: To create and administer your accounts, provide customer support, and deliver the services you requested.
Improve our Services: To understand your needs, enhance the website functionality, analyze trends, and improve our overall user experience.

Communicate with you: To send you important updates, announcements, and other relevant information regarding our services.

Comply with legal obligations: To comply with applicable laws and regulations, including responding to legal requests or court orders.

Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction. We will notify you via email and/or prominent notice on our website of any such change in ownership or control of your personal information.

5. Children's Privacy

We do not knowingly collect personal information from children who cannot give consent or under the age of 18 except as permitted by law. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us. If inadvertent collection occurs, we will promptly take steps to delete such information.

6. Data Security

We implement reasonable security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. However, please note that no method of transmission over the Internet or electronic storage is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

7. Your Choices and Rights

Access and Update: You have the right to access and update your personal information held by CadRemit. You can do this by logging into your account or by contacting us directly.

Data Retention: We will retain your personal information 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.

Marketing Communications: You can opt out of receiving marketing communications from us by following the instructions provided in the communication or by contacting us directly.

International Data Transfers: Your information may be transferred to and stored in countries outside of your own jurisdiction. These countries may have data protection laws that differ from those in your jurisdiction. By using our Services and providing your information, you consent to the transfer of your information to countries outside of your jurisdiction, including those with different data protection laws.

Account Deactivation: You can opt out of our service if you no longer need our service. You may contact our help center if you require any help or have difficulties in using our service.

8. Third-Party Links

Our website or Services may contain links to third-party websites or services that are not owned or controlled by CadRemit. We are not responsible for the privacy practices or the content of these third- party websites or services. We encourage you to review the privacy policies of any third-party websites or services that you visit.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated Privacy Policy on our website or by sending you a notification. We encourage you to review this Privacy Policy periodically for any updates.

10. Governing Laws

This Privacy Policy is made pursuant to the Nigeria Data Protection Act (NDPA), Personal Information Protection and Electronic Documents Act (PIPEDA) and other relevant laws, regulations, or international conventions applicable to Nigeria and Canada. By using our Services, you acknowledge that you have read this Privacy Policy and consent to the collection, use, disclosure, and retention of your information as described herein.

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at [email protected].