CardTop’s Privacy Policy

1. Privacy Policy

This Privacy Policy applies only to all our activities

and is valid for visitors to ourwebsite and offices

with regards to the information that they shared

and/or collect in CardTop. Privacy Right

1.1. This Privacy Policy describes your privacy

rights regarding our collection, use, storage,

sharing and protection of your personal

information.

1.2. If you have created a username,

identification code, password or any other piece of

information as part of our access security

measures, you must treat such information as

confidential, and you must not disclose it to any

third party.

1.3. We reserve the right to disable any user

identification code or password, whether chosen

by you or allocated by us, at any time, if in our

opinion you have failed to comply with any of the

provisions of this Policy.

2. Consent

By using the Platform or any of our services, you

hereby consent to our Policy and any other

modification to it from time to time. We may

amend this privacy policy at any time by posting a

revised version on our website, or placing such

notice at conspicuous points at our office facilities.

The revised version will be effective 7 days after

publication.

3. Information We Collect

The personal information that you are asked to

provide, and the reasons why you are asked to

provide it, will be made clear to you at the point

we ask you to provide your personal information.If

you register on the Platform, you will be required

to provide your full name, username, your email

address and phone number.If you contact us

directly, we may receive additional information

about you such as your name, email address,

phone number, the contents of the message

and/or attachments you may send us, and any

other information you may choose to provide.For

payment processing, you will be required to

provide your bank account details including the

bank name, account name and account number.

For compliance and KYC purposes, you may be

required to provide more personal information

and documents like ID and BVN.

Information We May Collect About You

We may collect, use, process, store, or transfer

personal information such as:

i. Contact Data: This is data that is needed to

reach out to you, such as your contact address,

email address, telephone number, details of the

device you use, and billing details;

ii. Identification documents (such as your passport

or any Government-issued identity card), a

photograph (if applicable), and any other

registration information you may provide to prove

you are eligible to use our services;

iii. Log/Technical information: When you access

CardTop services, our servers automatically record

information that your browser sends whenever

you visit a website, links you have clicked on,

length of visit on certain pages, unique device

identifier, log-in information, location, and other

device details.

iv. Financial Data: Information, such as personal

account number, the merchant’s name and

location, the date and the total amount of

transaction, and other information provided by

financial institutions or merchants when we act on

their behalf;

v. Transactional Data: These are information

relating to payment when you as a merchant

(using one or more of our payment processing

services) or as a customer, are using our products

or services;

vi. Marketing and Communications Data: This

includes both a record of your decision to

subscribe or to withdraw from receiving marketing

materials from us or from our third parties;

vii. Records of your discussions with us, if we

contact you, and if you contact us;

viii. We may also collect, store, use, and transfer

non-personal information or anonymized data

such as statistical or demographic data;

ix. This Policy applies to CardTop services only.

We do not exercise control over the sites displayed

or linked from within our various services. These

other sites may place their own cookies, plug-ins,

or other files on your computer, collect data or

solicit personal information from you. The

Company does not control these third-party

websites and we are not responsible for their

privacy statements. Please consult such third

parties’ privacy statements.

4. How We Use Your Information

We use the information we collect in various ways,

including to:

a) Provide, operate, and maintain our website

b) Ensure compliance with regulations

c) Provide our services and support

d) Verify your identity

e) Resolve disputes and troubleshoot problems

f) Improve, personalize, and expand our website

g) Understand and analyze how you use our

website

h) Develop new products, services, features, and

functionality

i) Communicate with you, either directly or

through one of our partners, including for

customer service, to provide you with updates and

other information relating to the website, and for

marketing and promotional purposes

j) Send you emails

k) Find and prevent fraudulent activities

5. Log Files

The Company through its product; CardTop follows

a standard procedure of using log files. These files

log visitors when they visit websites. All hosting

companies do this and a part of hosting services'

analytics. The information collected by log files

include internet protocol (IP) addresses, browser

type, Internet Service Provider (ISP), date and time

stamp, referring/exit pages, and possibly the

number of clicks. These are not linked to any

information that is personally identifiable. The

purpose of the information is for analyzing trends,

administering the site, tracking users' movement

on the website, and gathering demographic

information.

6. Cookies

Cookies are small files placed on your computer’s

hard drive that enables the website to identify

your computer as you view different pages.

Cookies allow websites and applications to store

your preferences in order to present contents,

options or functions that are specific to you. Like

most interactive websites, our website uses

cookies to enable the tracking of your activity for

the duration of a session. Our website uses only

encrypted session cookies which are erased either

after a predefined timeout period or once the user

logs out of the platform and closes the browser.

Session cookies do not collect information from

the user’s computer. They will typically store

information in the form of a session identification

that does not personally identify the user.

7. Data Security and Intelligence

The security of your Personal Information is

important to the Company. We maintain

appropriate Internal, technical, and physical

controls to ensure that your data are kept safe at

the Company. Other security measures include but

are not limited to, secure servers, firewalls, data

encryption, and granting access only to designated

employees. On your part strive to ensure your

passwords to your CardTop Accounts are safe. We

will only retain personal information on our

servers for as long as is reasonably necessary as

long as we are providing Services to you. When

you close your CardTops Account, your

information is stored on our servers to the extent

necessary to comply with regulatory obligations

and for the purpose of fraud monitoring, detection,

and prevention. Where we retain your Business

Information/data, we do so in compliance with

limitation periods under the applicable law.

8. NDPR Data Protection Rights

We would like to make sure you are fully aware of

all of your data protection rights. Every user is

entitled to the following:

i. The right to access – You have the right to

request copies of your personal data. We may

charge you a small fee for this service.

ii. The right to rectification – You have the right to

request that we correct any information you

believe is inaccurate. You also have the right to

request that we complete the information you

think is incomplete.

iii. The right to erasure – You have the right to

request that we erase your personal data, under

certain conditions.

iv. The right to restrict processing – You have the

right to request that we restrict the processing of

your personal data, under certain conditions.

v. The right to object to processing – You have the

right to object to our processing of your personal

data, under certain conditions.

vi. The right to data portability – You have the

right to request that we transfer the data that we

have collected to another organization, or directly

to you, under certain conditions.

vii. The right to data portability – You have the

right to request that we transfer the data that we

have collected to another organization, or directly

to you, under certain conditions.If you make a

request, we have one month to respond to you. If

you would like to exercise any of these rights,

please contact us.

9. Retention of Personal Data

We will only retain your personal information for

as long as reasonably necessary to –

a) Provide our services to you,

b) Archiving purposes to detect and investigate

fraudulent transactions,

c) Comply with our legal obligations under

financial or anti-money laundering laws,

d) Satisfying any tax, accounting or reporting

requirements and

e) Upon our reasonable belief that there is a

prospect of litigation in respect to our relationship

with you.

10. Children’s Information

CardTop does not knowingly collect any Personal

Identifiable Information from children under the

age of 13, and our service is not available for

individuals under the age of 18. If you think that

your child provided this kind of information on our

website, we strongly encourage you to contact us

immediately and we will do our best efforts to

promptly remove such information from our

records.

11. Amendments To Our Privacy Policy