Privacy Policy - KudiSwift

1. Introduction

KudiSwift ("we", "us", or "our") respects your privacy and is committed to protecting your personal data. This privacy policy will inform you about how we look after your personal data when you visit our website or use our mobile application and tell you about your privacy rights and how the law protects you.

This privacy policy is provided in a layered format so you can click through to the specific areas set out below. Please also use the Glossary to understand the meaning of some of the terms used in this privacy policy.

2. Information We Collect

We collect, use and share information about you in the following ways:

Information you give us:

Identity Data: first name, last name, username or similar identifier
Contact Data: email address and telephone numbers
Financial Data: bank account details, payment card details
Transaction Data: details about payments to and from you and other details of products and services you have purchased from us
Gift Card Data: images and details of gift cards you submit for exchange

Information we collect automatically:

Device Information: device type, operating system, unique device identifiers
Usage Data: information about how you use our website, products and services
Location Data: your IP address and approximate location data
Log Data: details of your visits to our website including traffic data, location data, weblogs and other communication data

Information we receive from third parties:

Verification services for identity and fraud prevention
Payment processors for transaction processing
Analytics providers for website and app usage analysis

3. How We Use Your Information

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

Performance of Contract: To provide our services and process transactions
Legal Obligation: To comply with legal and regulatory requirements
Legitimate Interests: To improve our services and prevent fraud
Consent: For marketing communications (where you have given consent)

We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

4. Cookies and Tracking Technologies

Our website and mobile app use cookies and similar tracking technologies to enhance your browsing experience, serve personalized content, and analyze our traffic.

Types of Cookies We Use:

Essential Cookies: Required for the website and app to function properly
Analytics Cookies: Help us understand how visitors interact with our website
Functional Cookies: Remember your preferences and settings
Advertising Cookies: Used to deliver relevant advertisements

You can control cookies through your browser settings or our app preferences. However, disabling certain cookies may affect the functionality of our services.

5. Data Sharing and Disclosure

We may share your personal information in the following circumstances:

Service Providers: With trusted third-party service providers who assist our operations
Legal Requirements: When required by law or to protect our rights
Business Transfers: In connection with a merger, sale, or acquisition
Consent: With your explicit consent for specific purposes

We do not sell your personal information to third parties for their direct marketing purposes.

6. International Data Transfers

Your information may be transferred to and processed in countries other than Nigeria. When we transfer your data outside Nigeria, we ensure appropriate safeguards are in place to protect your personal data.

Where we transfer data to countries that are not deemed to provide an adequate level of protection, we use appropriate safeguards such as standard contractual clauses approved by relevant authorities.

7. Data Security

We have implemented appropriate technical and organizational security measures to protect your personal data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access.

End-to-end encryption for data transmission
Secure server infrastructure with regular security audits
Multi-factor authentication for administrative access
Regular security training for our employees
Incident response procedures for data breaches

8. Data Retention

We will only retain your personal data for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.

To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, and whether we can achieve our objectives through other means.

9. Children's Privacy

Our services are not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us.

If we become aware that we have collected personal information from children without verification of parental consent, we take steps to remove that information from our servers.

10. Your Data Protection Rights

Under applicable data protection laws, you have several rights regarding your personal data:

Right to Access: You can request copies of your personal data
Right to Rectification: You can request correction of inaccurate data
Right to Erasure: You can request deletion of your personal data
Right to Restrict Processing: You can request limitation of processing
Right to Data Portability: You can request transfer of your data
Right to Object: You can object to processing based on legitimate interests
Right to Withdraw Consent: You can withdraw consent at any time

To exercise any of these rights, please contact us using the details provided below.

11. Third-Party Services

Our app may contain links to third-party websites or services that are not owned or controlled by us. We are not responsible for the privacy practices of these third parties.

We recommend that you read the privacy policies of any third-party services you use.

12. 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 effective date.

We will also provide notice of significant changes through our app or by email.

13. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us through our mobile application or website support channels.

We are committed to addressing your privacy concerns and will respond to your inquiries through appropriate channels within 30 days.