Privacy policy

Last updated: January 17th, 2019

This privacy policy explains how personal information collected, used, stored, and disclosed by Cashbox (“Cashbox.ng,” “we,” “us,” and “our”) is protected.

This Privacy Policy applies to consumer users (individually referred to as “you”) of our websites, applications, and other online services to which this Privacy Policy is posted (collectively, our “Services”).

Please note that this Privacy Policy is part of our Terms and Conditions. By accessing or using our Services, you agree to both this Privacy Policy and our Terms of Use. The provisions contained in this Privacy Policy supersede all previous notices and statements regarding our privacy practices with respect to our Services.

Please note that If you do not agree to every provision of this Privacy Policy and our Terms of Use, you may not access or use our Services.

1. APPLICATION OF THIS PRIVACY POLICY

   This Privacy Policy applies to your use of (regardless of means of access) our Services. You may access or use our Services through a desktop, laptop, mobile phone, tablet, or other consumer electronic device (each, a “Device”).

2. INFORMATION YOU PROVIDE US

   In general, you can visit (www.cashboxng.com) without telling us who you are or revealing any information about yourself. When you submit an inquiry via our Services or register for a Cashbox account, we may collect personal information from you, which may include your name, email address, mobile phone number, banking information, and other information that identifies you (collectively, “Personal Information”). By providing your Personal Information to us, you expressly agree to our collection, use, storage, and disclosure of such information as described in this Privacy Policy. We may also ask you to create login information for your account, such as a username and password. When you provide your mobile phone number, we may ask for your consent to receive text messages relating to our Services at that number. You may withdraw your consent by contacting us as indicated below.

3. INFORMATION ABOUT YOUR TRANSACTIONS

   Please note that we collect Personal Information about your transactions with us and others.

4. INFORMATION FROM THIRD PARTIES

   We also collect Personal Information about you from other companies when necessary.

5. INFORMATION AUTOMATICALLY COLLECTED

   We (or our service providers acting on our behalf) may collect information about your use of our Services. This information may include Personal Information as well as statistical information that does not identify you (“Analytics”). Some Analytics may be correlated with Personal Information. When Analytics are, directly or indirectly, associated or combined with Personal Information, such Analytics will be considered Personal Information for purposes of this Privacy Policy. Information that we automatically collect in connection with your access or use of our Services may Include:

   Device Information: We may collect Device-specific information (such as hardware model, operating system version, unique Device identifiers, and mobile network Information, including your mobile phone number). We may associate your Device identifiers or mobile phone number with your Cashbox account.

   Log Information: We may record or log information from your Devices, their software, and your activity accessing or using our Services. This information may include:

   • The Device’s Internet Protocol (“IP”) address
   • Identification numbers associated with your Device
   • Device event information, such as crashes, system activity, and hardware settings
   • Location preferences
   • Date and time stamps of transactions
   • System configuration information
   • Other interactions with our Services

6. INFORMATION COLLECTED THROUGH COOKIES AND SIMILAR TECHNOLOGIES

   We use cookies to personalize our Services for you and to collect aggregate information about usage of our Services. A cookie is a text file or other local storage identifier provided by your browser or associated applications. We use cookies for record-keeping purposes and to enhance the quality of your use of our Services. The cookies assign random, unique numbers to your Devices to enable our systems to recognize your Devices and to allow us to see how you use our Services. Additional general information about cookies and how they work is available at www.allaboutcookies.org: The cookies we use in connection to our Services include:

   Session cookies: Session cookies are temporary cookies that expire and are automatically erased whenever you close your browser window. We use session cookies to grant users access to content and to enable actions they must be logged into their Cashbox account to perform.

   Persistent cookies: Persistent cookies usually have an expiration date in the distant future and remain in your browser until they expire or you manually delete them. We use persistent cookies to better understand usage patterns so we can improve our Services. For example, we may use a persistent cookie to associate you with your Cashbox account or to remember your choices for our Services.

   Third-party cookies: We permit certain third parties to place cookies through our Services to provide us with better insights into the use of our Services and user demographics and to advertise our Services to you. These third parties may collect information about your online activities over time and across different websites when you access or use our Services. For example, we utilize Google Analytics to analyze usage patterns for our Services. Google Analytics generates a cookie to capture information about your use of our Services, which Google uses to compile reports on website activity for us and to provide other related services. Google may use a portion of your IP address to identify its cookie, but this will not be associated with any other data held by Google. We may also permit third-party service providers to place cookies for our Services, as indicated above, to perform analytic or marketing functions where you are notified of them and you have consented to the usage. We do not control the use of such third-party cookies or the resulting information, and we are not responsible for any actions or policies of such third parties.

   By accessing or using our Services, you consent to the placement of cookies on your Devices as described in this Privacy Policy. If you prefer not to receive cookies through our Services, you may control how your browser responds to cookies by adjusting the privacy and security settings of your web browser. Unless you set your browser settings to refuse all cookies, our system may issue cookies when you access or use our Services. If you set your browser settings to refuse all cookies, the performance of certain features of our Services may be limited or not work at all.

7. DO-NOT-TRACK SIGNALS

   Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.

   How we May Use Information.

   We may use Analytics as described elsewhere in this Privacy Policy and for research and commercial purposes, such as to improve our Services.

   We may use Personal Information for the purposes described elsewhere in this Privacy Policy and internally for our general commercial purposes, including, among other things, to offer our products and services and products and services of third parties that we think you might find of interest, but only Cashbox and our third-party service providers involved in distributing the offers or providing the products or services will have access to your Personal Information. Our third-party service providers will only be permitted to use Personal Information for that intended purpose.

   We may use your email address to respond to your inquiries and to provide you information about our Services. You may elect not to receive promotional emails from us either by “unsubscribing” to an email you receive from us or by contacting us as indicated below. If you unsubscribe from receiving emails from us, we may still send you non-promotional emails, such as emails about your Cashbox account or our ongoing business relations, unless you withdraw your consent to receive electronic communications as provided in our Terms of Use.

8. How We Share Information

   We do not share your Personal Information with:

   • Other financial companies for joint marketing purposes;
   • Affiliated companies for their everyday business purposes; or
   • Any third parties so they can market to you.

   We may share your Personal Information with unaffiliated third parties:

   • if you request or authorize it;
   • if the information is provided to help complete a transaction for you;
   • if the information is provided to:

   comply with applicable laws, rules, regulations, governmental and quasi-governmental requests, court orders, or subpoenas; (b) enforce our Terms of Use or other agreements; or (c) protect our rights, property, or safety or the rights, property, or safety of our users or others (e.g., to a consumer reporting agency for fraud protection, etc.); (4) if the disclosure is done as part of a purchase, transfer, or sale of services or assets (e.g., in the event that substantially all of our assets are acquired by another party, your Personal Information may be one of the transferred assets); (5) if the information is provided to our third-party service providers to perform functions on our behalf (e.g., analyzing data, providing marketing assistance, providing customer service, processing orders, etc.); (6) for our everyday business purposes; or (7) as permitted by applicable law or otherwise described in this Privacy Policy. When you are no longer our customer, we continue to share your information as described in this Privacy Policy.

   We may disclose Analytics with third parties as described elsewhere in this Privacy Policy and for our commercial purposes.