Effective from 14 February 2025

1. Introduction

Welcome to Cash-in App! We’re committed to safeguarding your privacy and handling your data responsibly. This Privacy Policy explains how Macroblocs Limited, the company that owns and operates Cash-in App, collects, uses, and protects your personal data in line with the Nigeria Data Protection Act 2023. We also respect global privacy standards, including the General Data Protection Regulation (GDPR), to ensure transparency and user control over data. By using our services, you agree to the terms outlined here.

2. Data Collection

We collect different types of data to provide and improve our services. This includes personal data like your name, contact details, bank account details, and identity verification information. We also collect transactional data, such as details of your crypto-to-naira conversions, and technical data, like IP addresses and device information. Data may be collected directly from you when you register or transact, as well as automatically through cookies and similar technologies. This helps us ensure a smooth, secure user experience.

3. Purpose of Data Collection

We collect your information to fulfill essential functions on Cash-in App. This includes verifying your identity, processing your transactions directly or through our third party vendors, fulfilling regulatory requirements, fulfilling legal requirements, supporting the work of law enforcement, preventing, prohibiting, reporting suspected money laundering or other financial crimes, and enhancing service features of Cash-in App. This enables us to comply with regulatory obligations, like anti-money laundering requirements, and ensures our platform remains secure. We may also use your information for customer support and to personalize your experience on the app. Rest assured, we only collect what’s necessary to support these purposes and respect your privacy.

4. How We Use Your Information

Your data is used mainly to improve our services, and to meet regulatory and legal obligations. This includes facilitating your transactions through our third party vendors, providing customer support, and providing tailored features based on your preferences. We adhere to legal standards and use data for fraud detection, suspicious activity reporting, fraud reporting, regulatory compliance, and secure user authentication. Based on this Privacy Policy, we may also use your contact information to send you service updates or promotional content. We ensure all data usage is compliant with privacy regulations and tailored for the proper functioning of our platform and respect for our users under the law.

5. Data Sharing and Disclosure

We respect your privacy and only share your data in specific circumstances. This may include sharing with trusted third-party partners, like payment processors, vendors, or regulatory authorities as required by law or for the conduct of our business. By using Cash-in App, you agree that we may transfer any personal data you provide to us within or outside the borders of Nigeria or your home country in line with the Nigeria Data Protection Act 2023. When sharing your data with third parties, we ensure they uphold high data protection standards as required by the Nigeria Data Protection Act 2023. Cash-in App does not sell or rent your data to third parties for any marketing or monetary benefit whatsoever. In case of legal or regulatory obligations, we reserve the right to disclose your information within or outside the borders of Nigeria or your home country if we deem it necessary in order to comply with court orders, legal requirements or other procedures in line with the Nigeria Data Protection Act 2023.

6. User Rights and Choices

As a user, you have several rights regarding your personal data. You can request access to, correction, or deletion of your data. You also have the right to withdraw consent, where applicable, and request data portability under GDPR and Nigeria Data Protection Act 2023. We respect your choices, and you can opt out of email marketing communications at any time. To exercise these rights, reach out to us using the contact information provided in this policy. However, in the event where our attention is brought to the occurrence of suspicious activity, suspected fraud or investigations of fraud, or legal proceedings related to your data on Cash-in App by competent law enforcement bodies within or outside the borders of Nigeria, you shall not have the right to be notified by us prior to or after we have made any decisions regarding the sharing of your data with necessary law enforcement or regulatory bodies.

7. Security Measures

We take the security of your data seriously and employ multiple safeguards to protect it. This includes encryption, secure storage, and regular audits of our security practices. We also restrict access to personal information to authorized employees only, who are bound by confidentiality obligations. Our infrastructure is regularly monitored to prevent unauthorized access, disclosure, or misuse. While we strive for high standards, we cannot guarantee complete security but are committed to protecting your information.

8. Data Retention

We retain your data only as long as necessary for the purposes outlined in this policy or as required by the laws of the Federal Republic of Nigeria. Data retention periods vary based on transaction type, legal requirements, and operational needs. For example, transactional data may be retained for audit and compliance purposes. Once data is no longer needed, we safely dispose of it using industry-standard procedures. You can contact us if you have specific concerns about data retention policies.

9. Cookies and Tracking Technologies

Our platform may use cookies and similar technologies to enhance functionality and analyze user interaction. Cookies help us improve user experience by remembering preferences and tracking performance. Some cookies are essential for service functionality, while others are optional and used for analytics. You can manage your cookie preferences in your browser settings. We respect your choice to enable or disable cookies as desired, but certain features may be limited without them.

10. Changes to the Privacy Policy

We may update this Privacy Policy at any time and without notice to reflect changes in our services, legal or regulatory requirements. When we make changes, each version will include an effective date. It is the responsibility of users to review the policy periodically to detect and stay informed of any changes. Your continued use of the app after any updates signifies your acceptance of the revised policy.

11. Contact Information

For questions, concerns, or to exercise your privacy rights, please contact us at:
Cash-in App
Email: compliance@cash-in.app 
Our team is here to assist with any inquiries regarding data usage or privacy concerns related to Cash-in App.