Creditswitch Limited, a company incorporated under the laws of the Federal Republic of Nigeria, (hereinafter referred to as “Creditswitch”), is the data controller of this website and mobile application is committed to protect the privacy of individuals who make us of its services.
Learn how we collect and deploy your data when you visit our platforms or use our services. Get to understand our privacy practices.
Creditswitch Limited (“Creditswitch”) takes privacy issues seriously and wants you to be familiar with how we collect, use and disclose information. This Privacy Policy describes the information that the Company collects through its website, mobile applications and USSD (collectively, our “Platform”) in connection with the services being offered by the Company.
This Privacy Policy further addresses how Creditswitch handles all user information, including user information provided by you, user information provided by other platforms and user information obtained by the company from third parties.
If you submit any Personal Information relating to other people to us or our service providers in connection with the site, you represent that you have the authority to do so and to permit us to use the information by this Privacy Policy.
PERSONAL INFORMATION
Personal Information We May Collect
“Personal Information” is information that identifies you as an individual, such as: Name, Email Address, Telephone number and any other such information that the user provides in order to be able to use the services on the platform.
Information that can be used to identify, contact or locate a user is referred to as “personally identifiable information”.
Automatically provided information that uniquely identifies a device or browser is not personally identifiable information unless it is linked to a particular user.
How We May Collect Personal Information
Creditswitch collects three types of information:
Information that users intentionally provided on the platform; Information about users that third parties provide on the platform to augment or verify information; and Information automatically provided by Users as they interact with the platform.
Information Provided by User
Users are either consumers or businesses that make use of the services provided by Creditswitch.
User
A User must provide a name, email address, telephone number, and a self-selected password.
Wallet funding by a User will be done via User Bank. Creditswitch does not collect financial information of User.
User may voluntarily provide additional information to Creditswitch for example, when seeking customer support or in response to surveys or other inquiries.
All information provided will be kept strictly private and confidential by Creditswitch save instances where the law requires disclosure or where necessary to provide a service to You.
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Information Provided by Third Party
The Creditswitch may obtain information about users from third parties. The platform may provide Creditswitch with additional information such as the User’s transactional history on the Platform.
Automatically Provided Information
The Creditswitch may automatically record certain information about or related to your use of the services on the platform that is made below:
Log Files – The platform may collect internet protocol (IP) address browser type, device ID, internet service provider (ISP), information about your computer and software, and links materials you request, your approximate location, referring/exit pages, date/time stamp, and other metadata. We do not use Cookies on our platform.
How Personal Information May Be Disclosed
Use of Information Obtained by Creditswitch
Creditswitch uses User information primarily to develop, operate, support, maintain enhance and provide the Services as well as use the information for other products being offered by the Company or by its affiliates. User information is also used to process wallet funding transactions; to provide receipts and reports; to resolve disputes, and troubleshoot problems; to customize and improve the Services and to enforce our agreements on our platform and our Terms of Service with Users.
Creditswitch also uses User information to detect and prevent fraud and other potentially illegal activities. Creditswitch may combine User information with information from other sources using proprietary algorithms to calculate a measure of the risk that a particular User or transaction is fraudulent (“Risk Score”).
Creditswitch uses User Information for our administrative and operational purposes. Creditswitch may notify you of changes in the services, may solicit your feedback, may conduct market research or may send you promotional materials. To unsubscribe from promotional emails, click the “unsubscribe” link in the email. In essence,
Creditswitch uses your personal information to meet or fulfil legal obligations and provide better services
SHARING INFORMATION WITH THIRD PARTIES
Creditswitch may share User information with third-party service providers who help with certain parts of validation of user credentials, secure data storage, marketing, customer service, and other services.
Creditswitch requires that these service providers use personally identifiable User information only in connection with the services they perform for Creditswitch.
Creditswitch may also share non-personal identifiable User information with third parties that help us better understand how Users use our Service or help us detect and prevent fraud and other unauthorized or suspicious activity.
These third parties may use log files and other technologies to collect non-personal identifiable information about Users and combine it with similar information collected from others. They may use this information to help us better understand and maximize user experience.
The Risk Score is not a personally identifiable information, and the Company may share it with other third parties.
Creditswitch may share User information with law enforcement, government officials, or other third parties in the event of a subpoena, court order or similar legal procedure. This will happen if Creditswitch believes in good faith that the disclosure of User information is necessary or advisable to report suspected illegal activity, or to protect Creditswitch’s property or legal rights (including, but not limited to, enforcement of our platform’s Terms of Service, and other agreements) or the property or rights of others, or otherwise to help protect the safety or security of the Services.
Except as expressly disclosed in this Privacy Policy, Creditswitch will not disclose User information to third parties for their promotional purposes.
We will share personally identifiable information with third in special situations, such as legal investigations. We may also share non-identifiable information with third parties that help us prevent fraud and analyse activities on our platform.
Security
Creditswitch has implemented physical, technical, and procedural safeguards to protect user information from unauthorized access, disclosure, alteration, or destruction.
Creditswitch uses computer safeguards such as firewalls and data encryption and authorizes access to personally identifiable information only to those employees, contractors, and agents who require it to fulfil their job responsibilities.
Creditswitch takes additional care to protect User information. Creditswitch encrypts such information and transmits it under Secure Socket Layer (SSL) and Transport Layer Security (TLS). Creditswitch has taken several steps to become an extremely secure service.
Creditswitch uses reasonable organizational, technical and administrative measures to protect Personal Information under our control.
If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us by the “Contact Us” section below.
Location
You acknowledge and agree that the privacy and data security laws of the Federal Republic of Nigeria may be different from the privacy and data security laws in force outside Nigeria.
By voluntarily providing User information, you hereby agree that you are consenting to our collection, use, storage, and disclosure of such User information in accordance with data privacy laws of the Federal Republic of Nigeria.
Children
Our services are not intended for children. We ask that minors (persons under the age of 13) do not submit any personal information to us or use our Services.
Creditswitch Allows Access and Updating of Personal Information
To review, correct, update, suppress, delete or otherwise limit our use of your Personal Information that has been previously provided to us, please email, call or write to us using the contact information listed below in the “Contact Us” section and clearly describe your request.
In your request, please make clear what information you would like to have changed, whether you would like to have your Personal Information suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information.
However subject to proof as the need may be; and unless there is a legitimate legal or business reason to keep such information, we will strive to comply with your request.
For business and legal reasons, we aim to keep our services in a manner that protects personal information from incidental, accidental or malicious damage.
Therefore, your deletion of personal information from our services does not immediately delete residual copies from our servers and may not remove such personal information from our backup systems.
Creditswitch aims to provide you with access to your personal information at every point during the usage of our Service.
CHOICES AND ACCESS
We give you choices regarding our use and disclosure of your Personal Information for marketing purposes. If at any time you wish to stop receiving phone, mail, SMS, and email marketing communications from us, please just let us know by emailing, calling or writing to us using the contact information listed below in the “Contact Us” section or by using the unsubscribe feature in the marketing email you received.
In your request, please indicate that you wish to stop receiving email marketing communications from us.
Also, we will not disclose your Personal Information to third parties, for the third party’s direct marketing purposes.
Please also note that if you do opt-out of receiving marketing-related messages from us, we may still send you important administrative messages, and you cannot opt-out from receiving administrative messages.
RETENTION PERIOD
We will retain your Personal Information for the period necessary to fulfil the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
UPDATES TO THIS PRIVACY POLICY
You can always see the most updated changes to this Privacy Policy on www.creditswitch.com or by contacting customer service at support@switchto931.com
In the event we modify our privacy policy, we may contact you via email and provide you with notice of the change and a link to review the new privacy policy.
However, Creditswitch shall keep you abreast of changes to our policies as updated on this page periodically.
CONTACT US
If you have any questions about this Privacy Policy, please contact us as follows:
Creditswitch Limited
931 Place, 93B Oduduwa Crescent, Ikeja GRA, Lagos.
Email: support@switchto931.com
Call: 07009000931