Privacy Policy

INTRODUCTION | PRIVACY

Welcome to Cardpadi, Nigeria's premier gift card trading platform that prioritises both profitability and customer satisfaction. In a world where excessive exposure is prevalent, safeguarding one's privacy is a wise choice. We recognize the importance of your privacy and treat it with the utmost seriousness. Therefore, we kindly request that you attentively review the following paragraphs to understand our privacy policy.

This privacy policy delineates your rights concerning the security of your information, encompassing its collection, usage, storage, sharing, and safeguarding. It is applicable to our website, services, and tools, regardless of how you interact with them.

The internet, as universally recognized, is a vast network of shared interests, serving as a global platform and repository of information. Unfortunately, many users encounter challenges such as hacking, identity theft, cybercrime, and breaches of privacy. Despite these challenges, we deeply appreciate your trust in entrusting us with your data. Rest assured, we are committed to protecting your privacy and will only utilize your information with your explicit consent.

Cardvest will manage your information in the following ways:

When you sign up for any Cardpadi services that involve registration, we request essential information such as your name, email address, and phone number. During certain services like payment transactions, we may also need your account details.

For your protection, we typically do not retain these data. However, in instances where we do store them, we ensure they are kept securely in encrypted form on trusted servers. To enhance the quality of our services, we may utilise the information you provide as well as data from third parties. Please be assured that any such actions will always be presented to you with the option to either accept or decline them.

When you engage in activities on Cardpadi, our servers automatically receive information that your browser transmits whenever you visit a website. This automatically collected data encompasses, but is not limited to, your browsing history, IP address, device specifications, geographical location data, online traffic patterns, referral URLs, advertising data, standard web log details, and both still and moving images.

It's important to note that the personal data gathered about you, whether collected manually, automatically, or from third parties during the registration process, will be retained for the required duration mandated by applicable laws. This retention is necessary for us as financial experts to maintain comprehensive records of our operations, regardless of whether your account has been successfully activated.

The personal information we have gathered will be utilised for the following purposes:

1. Establish your CardPadi account portfolio, primarily for tasks such as accounting, billing, legal document management, and handling claims and disputes.
2. Verify your identity in compliance with relevant know-your-customer, anti-money laundering, and other financial regulations, including CardPadi's anti-money laundering policy and policies from law enforcement agencies.
3. Analyse your usage of the CardPadi website and tailor your service experience to assist us in optimising your customer service requests and support.
4. Communicate information, news, promotions, and essential updates through the email address you have provided.
5. Utilise your data in the creation of marketing and promotional initiatives, which may involve sharing your personal information with third parties.
6. We may disclose or transfer your personal data to third parties, legal and regulatory authorities, specific contractors, or service providers. All such instances will be thoroughly explained as needed.

All of these actions will only occur with your explicit consent or when we are authorized to do so under applicable laws. Your data will not be sold, exchanged, or shared with any third parties without your knowledge. If at any point you wish to stop receiving promotional information and updates, you can easily opt-out.

Usage of Cookies and Related Technologies

Cookies are small text files that websites you visit place on your devices. They serve various purposes, including enhancing the functionality of websites and collecting data for site owners.

At CardPadi, we utilise cookies primarily for the following purposes:

1. Site Viability Assessment: We use cookies to evaluate the effectiveness of our website, study trends in traffic, and manage the platform. The information gathered through cookies allows us to understand which parts of our site are most frequently visited and identify any challenges users may encounter. Armed with this information, we can enhance your experience on the platform by offering more of the features and services you desire while addressing access issues.
2. Email Tracking: In addition to cookies, we may also employ web bugs or clear gifs, which are often embedded in emails. These assist us in confirming the delivery of our messages and your response to them. This helps us provide you with a more personalized experience when using our site.
3. Third-Party Assistance: We collaborate with third parties to gain insights into the usage of our website. These third parties may place cookies on your device's hard drive and gather information that enables us to understand how visitors like you navigate the site, which services are in demand, and general transaction details. The data and insights provided by these third parties are invaluable for us to better comprehend our users' interests on our site and how to further enhance those interests. Importantly, these third parties are legally obligated to use the information collected from our site exclusively for our site-related purposes.

Automated Decision Making

We employ automated decision-making processes for specific matters to determine whether we can provide our services to you. These processes typically involve credit checks, security checks, or risk profiling. Following a thorough assessment, an automated decision will be generated to determine whether we can extend our services to you based on your creditworthiness.

Your Statutory Rights

In accordance with Nigeria's cybercrime laws, which criminalize data privacy breaches, individuals and service providers are obligated to take appropriate measures to protect personal data from foreseeable risks and breaches, such as theft, cyberattacks, and impersonation. As a result:

1. You have the right to inquire whether we have processed your information.
2. You can request unequivocal access to your personal information.
3. You are entitled to request corrections to any incomplete or falsified personal data that we have collected about you.
4. In specific circumstances, when there are no legal exceptions, you have the right to request the deletion or erasure of personal information from our database.
5. You may choose to restrict or object to the use of your personal information in certain situations.
6. You can object to any automated decision made about you if it has legal consequences and request a reconsideration.

Security of Your Data

To ensure the confidentiality and protection of your personal data, guarding it against potential risks, breaches, unauthorised access, alteration, misuse, mismanagement, or destruction, we employ a comprehensive range of trusted security measures. These security protocols encompass, but are not limited to:

1. Password Protected Directories and Databases: We secure access to sensitive information through password protection, limiting access to authorised individuals and entities.
2. Secure Sockets Layer (SSL) Technology: We utilise SSL technology to encrypt your data fully, guaranteeing secure and encrypted transmission of information over the internet.
3. Active PCI Scanning: Our servers undergo active PCI scanning to fortify them against potential threats, including hackers and vulnerabilities, ensuring the protection of your data.

These measures collectively demonstrate our commitment to maintaining the security and integrity of your personal information.

Information We Won't Request from You

CardPadi will never request sensitive payment information from you, such as your ATM card number, or PIN number, through email, text messages, or any other form of communication. As our valued customer, it is your responsibility to safeguard your passcode and membership credentials. Under no circumstances should you share these details with anyone. If you ever receive a suspicious request or notice unauthorised use of your personal information, please notify us immediately. Your security is of utmost importance to us.

Updates to This Privacy Policy

This privacy policy was last updated in September 2023. We strongly encourage you to periodically review this policy, as it may undergo changes over time. Any modifications to this privacy policy will be communicated to users through the website or other available means of communication. Staying informed about our privacy practices is essential to ensure your continued understanding of how we handle your personal information.

Contact Us

If you have any questions, comments, observations, or concerns regarding our services, terms, conditions, or privacy policy, please do not hesitate to reach out to us at policy@cardpadi.com. Your feedback is valuable to us, and we are here to assist with any inquiries or issues you may have.