Bitcardo (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, disclosed, and protected when you use Bitcardo.
Bitcardo is a financial technology platform operated by Cowrybags Limited. The Bitcardo mobile application and related software are developed and maintained by LearnPOD Technologies on behalf of Cowrybags Limited.
This Privacy Policy applies to our website, associated subdomains, and mobile application (collectively, the “Service”). By accessing or using our Service, you signify that you have read, understood, and agree to the collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.
To help explain things clearly in this Privacy Policy, the following terms have the meanings stated below:
We collect information from you when you visit our website, use our app, register an account, complete forms, perform transactions, or contact support.
We may also request access to certain mobile device permissions to support specific features. These permissions may include:
We may use the information we collect for one or more of the following purposes:
Digital assets such as cryptocurrencies are volatile and may involve financial risk.
Bitcardo does not guarantee profits, investment returns, or financial outcomes. Users are responsible for understanding and evaluating the risks before engaging in cryptocurrency transactions.
Bitcardo may receive or collect information from third-party service providers where necessary to operate our services. These may include fraud detection providers, payment processors, hosting providers, analytics services, and blockchain infrastructure providers.
We may receive information from third parties when you contact us, go through fraud checks, make payments, or use features that depend on third-party integrations. We may also receive publicly available information where lawful and appropriate.
We do not sell your personal data to advertisers.
We may share your information with trusted third-party service providers strictly for operational purposes, including hosting, database management, analytics, payment processing, fraud prevention, customer support, and other services necessary to operate Bitcardo.
We may also disclose information where required to comply with applicable laws, legal process, regulatory obligations, fraud investigations, or to protect our rights, users, and platform.
If Bitcardo is involved in a merger, acquisition, restructuring, or sale of assets, your information may be transferred as part of that transaction in accordance with applicable law.
Bitcardo collects personal information that you submit directly to us through the website, app, forms, account registration, support channels, and transactions. We may also receive information from third parties as described in this Privacy Policy.
By submitting your email address to us, you agree that we may use it to send account-related messages, transaction updates, security alerts, support responses, compliance notices, and other service-related communications.
Where marketing emails are sent, you may opt out by following the unsubscribe instructions provided in the message, where applicable.
We keep your information only for as long as necessary to provide Bitcardo to you and fulfill the purposes described in this policy. We may retain certain records for longer periods where required for legal, regulatory, accounting, tax, anti-fraud, dispute resolution, or financial record-keeping purposes.
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. These may include secure server infrastructure, encryption, access controls, monitoring systems, and other security measures designed to reduce unauthorized access, disclosure, alteration, or destruction of data.
However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
Bitcardo is incorporated in Nigeria. Information collected through our website, app, support channels, or related services may be processed or stored in other jurisdictions where our service providers operate.
By using Bitcardo, you consent to such transfer, processing, and storage where necessary for service delivery and support.
You may contact us to request access to, correction of, update of, or deletion of certain personal information we hold about you, subject to identity verification and applicable law.
We may retain certain information where necessary for backup, fraud prevention, dispute resolution, legal compliance, or financial record-keeping obligations.
Users may request account deletion at any time through the application settings or by contacting us at [email protected].
Once a deletion request is processed, personal data will be removed or anonymized except where retention is required by law, regulation, fraud prevention, dispute resolution, or financial record-keeping obligations.
If you are a Bitcardo worker or applicant, we may collect information you voluntarily provide for recruitment, compliance, administrative, and human resource purposes.
We reserve the right to transfer information to a third party in the event of a sale, merger, acquisition, reorganization, or other transfer of all or substantially all of the assets of Bitcardo or any related entity, subject to applicable privacy obligations.
We may disclose information, including personal information, to affiliated or related entities where necessary for operational, administrative, legal, regulatory, or support purposes, and such information will continue to be handled in accordance with this Privacy Policy.
This Privacy Policy is governed by the laws of Nigeria. By using Bitcardo or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not use our website, app, or services.
By using our website or app, registering an account, or using our services, you consent to this Privacy Policy and agree to its terms.
This Privacy Policy applies only to Bitcardo services. Our Service may contain links to third-party websites or services not operated or controlled by Bitcardo. We are not responsible for the content, privacy practices, or policies of those third parties.
Bitcardo uses cookies and similar technologies to maintain sessions, remember preferences, improve functionality, and understand how users interact with our website.
Most web browsers can be configured to disable cookies. However, disabling cookies may affect certain parts of the website and limit some functionality.
You may block cookies and similar technologies through your browser settings, but doing so may prevent some parts of our website from functioning properly and may remove saved preferences or login states.
Bitcardo services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected such information without appropriate legal basis, we will take steps to delete it.
We may update this Privacy Policy from time to time to reflect changes to our services, legal obligations, or operational practices. Where required, we will notify users of material changes before they take effect. Continued use of the Service after such changes means you accept the updated Privacy Policy.
We may use or link to third-party services, products, tools, or infrastructure providers as part of operating Bitcardo. Your use of such third-party services may also be subject to their own terms and privacy policies.
Where location-related features are used, Google Maps API or similar services may process certain device or location data in accordance with their own privacy policies.
We use cookies to enhance site performance, maintain sessions, and improve user experience.
Local Storage may be used by our web applications to store limited client-side information that supports functionality and user experience.
We use sessions to help maintain secure access and identify pages or sections you visit while using our services.
We may provide additional disclosures or honor additional rights where required by applicable law in the jurisdiction of a user.
Don't hesitate to contact us if you have any questions.