Privacy Policy

1. Introduction

This Privacy Policy explains how CashTraka (“we”, “our”, “us”) collects, uses, and protects your personal data. By using CashTraka, you agree to the terms of this policy.

2. Information We Collect

A. Personal Information

• Full name
• Email address
• Phone number
• Business name (if provided)

B. Business Data

• Customer names and phone numbers
• Payment records
• Debt records
• Transaction details

C. Technical Data

• IP address
• Device and browser information
• Usage activity (logins, actions performed)

3. Lawful Basis for Processing

We process your data based on:

• Consent — when you sign up and use the platform.
• Contractual necessity — to provide the CashTraka service.
• Legitimate interest — to improve security and performance.

4. How We Use Your Data

We use your data to:

• provide and maintain the platform
• store and organize payment and debt records
• generate and deliver receipts
• communicate with you (emails, notifications)
• improve product performance and user experience
• provide customer support

5. Data Ownership

You retain full ownership of your data. CashTraka does not sell, rent, or trade your personal or business data.

6. Data Sharing

We may share your data only with trusted third-party providers necessary to operate the service, including:

• cloud hosting providers
• email delivery services
• file storage services

All third parties are required to comply with NDPR and maintain data confidentiality.

7. Data Security

We implement appropriate technical and organizational measures, including:

• encrypted connections (HTTPS)
• secure authentication systems
• access control and role-based permissions

However, no system is completely secure, and we cannot guarantee absolute protection.

8. Data Retention

We retain your data:

• as long as your account is active, or
• as required by applicable law.

You may request deletion of your data at any time.

9. Your Rights (NDPR)

Under NDPR, you have the right to:

• request access to your personal data
• request correction of inaccurate data
• request deletion of your data
• withdraw consent at any time
• lodge a complaint with the Nigeria Data Protection Commission (NDPC)

10. Cross-Border Data Transfers

Your data may be stored or processed outside Nigeria. We ensure that any transfer complies with NDPR requirements and appropriate safeguards are in place.

11. Cookies and Tracking

We may use cookies or similar technologies to:

• maintain sessions
• improve performance
• analyze usage patterns

12. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date.

13. Contact

For privacy-related inquiries, email us at Support@cashtraka.co.