This Privacy Policy constitutes informing of how we use your personal data and your right of access. You have the right to understand how we process your personal data and on which legal basis as provided in this Privacy Policy.
Kindly note that ” “we,” “our,” or “us” in this Privacy Policy refers to Cashup Company Limited. This Privacy Policy applies whenever you use our services. When you sign up to Cashup, you provide details such as your name, date of birth, email, phone number, photograph, address, valid identification document (international passport, voter's card, driver's license, national identity card) these and any other information collected from you will be used in strict accordance with the law.
Please note that if you open a Cashup customer account without completing the necessary Know Your Customer (KYC) requirement, your transactions will be limited. This measure is in place to ensure the security and compliance of our platform. However, for the merchant and agent apps, completing the KYC is mandatory. This is essential to maintain the integrity of our services and to comply with regulatory requirements, thereby safeguarding both our users and the integrity of the financial system
We collect various types of information from you, such as details from your cards, phone numbers, and accounts (including bank transfers, airtime purchases, account funding, and bill payments). Additionally, when you grant permissions for Cashup to access your phone, we may gather data such as your phone book (contacts), device storage, location, photos, device information (including make and model), as well as details like your internet service provider, IP address, and the date and time you access Cashup. This information is crucial for us to enhance our services by enabling us to track and analyze data effectively.
"Big Data" means extremely large data sets that may be analyzed computationally to reveal patterns, trends, and associations, especially relating to human behavior and interactions. Cashup will only ever perform such Big Data processing on anonymized data, i.e. data that is not linked to a specific person. Example: We might want to understand how age groups of our customers relate to the usage of Cashup features so that we can tailor our product better. Develop new features, services and products. Prevent criminal activities like money laundering and fraud.
The Service Provider may use your information to contact you as necessary to confirm or complete a transaction, and to allow our agents, partners and service providers to fulfill their obligations in providing service to you.
Who do we share your information with? Your information will only be shared with those who work with Cashup and require it to do their job. Any organization which supports any of our services you use, when they need it to offer those services, The Central Bank of The Gambia, The Financial Services Unit, Authorized regulators, Card producers and networks, third party apps you give authorization, Know Your Customer (KYC) and cyber security service providers.
Your information, and contents of all of your transactions on our services may be accessed and monitored as needed to provide our services and may be disclosed: When we believe in our sole discretion that our services are being used to commit a crime, including reporting such criminal activity or sharing information with other companies or organizations for the purpose of fraud protection and security precaution. To protect the rights or property of Cashup or applicable third parties, including enforcing our Terms and Conditions. We'll also share it to comply with the law; to enforce our Terms and Conditions or other agreements; or to protect the rights, property or safety of us, our customers or others.
We operate a “Secure by Design” approach to protecting your data. This involves the use of best practices such as intrusion detection systems, firewalls, access control, encryption and key rotation and policies that ensure only those who need access to data receive them. Third parties holding your personal data are expected to apply the same level of security and controls. Whilst we issue notifications for key changes in your profile, if you suspect anything suspicious please let us know. If we become aware of unauthorized access to your data, we will contact you promptly.
We use cookies and other encryptions on our websites to ensure information received within remains secure. We regularly review developments in online security; however, users should be aware that there are inherent risks in transmitting information across the internet. The use of cookies on our Websites makes it easier to store information about your preferences thereby enabling you to take full advantage of our services. Cookies are very small text files that a Website can transfer to your computer's hard drive or portable electronic device's memory for record keeping. We may use cookies so that we can see which parts of our Websites you visit when you access them. We may use this information for marketing products and services to you. We keep this information confidential and we do not disclose it to third parties.
We do not and will never sell your personal data. On how long we keep information, this depends on why we collected it and how we use it, but we will not retain your personal information for longer than is necessary for our business purposes or for legal requirements. We will retain personal information about you and connected with your account and/or the services you use from us for as long as you have an account with us.
Cashup Users have the following rights regarding information we collect from them:
1: The right to request access to your personal data;
2 : The right to correct any incorrect personal data we store about you;
3 : The right to change your own personal data in most cases; and
4 : You also have the right to be forgotten or all your personal data to be deleted. However this may constitute an account closure in most cases. Please note we are legally obliged to retain data however even after an account closure.
5: "You have the right to permanently delete your account. If you wish to do so, simply go to the app settings and choose the option to delete your account. Please note that if there is a balance in your account at the time of deletion, Cashup will request confirmation before proceeding with the deletion process ensure you are aware of any remaining funds. If you ever wish to create your account again, you can do so at any time