How Cardzyra collects, uses, and protects your information.
Last updated: July 28, 2026
Cardzyra ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, dashboard, wallet, and related services (the "Service"), and describes the choices and rights available to you. It is written to be consistent with the Nigeria Data Protection Act 2023 ("NDPA") and general data protection principles that apply regardless of where you access the Service from.
We process your information on one or more of the following bases: performance of our contract with you (for example, to complete a transaction you requested), compliance with a legal obligation (for example, Know-Your-Customer or anti-money-laundering checks), our legitimate interests (for example, preventing fraud and improving the Service), and, where required, your consent (for example, for marketing communications you can opt out of at any time).
We use the information we collect to:
We retain your personal information for as long as your account remains active, and for a reasonable period afterward to comply with legal, accounting, tax, or regulatory obligations (including Know-Your-Customer and anti-money-laundering record-keeping requirements), resolve disputes, and enforce our agreements. When information is no longer required for these purposes, we take reasonable steps to delete or anonymize it.
We implement appropriate technical and organizational measures, including encryption in transit and access controls, to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Subject to applicable law, you may have the following rights regarding your personal information:
To exercise any of these rights, contact us using the details in Section 16. If you are not satisfied with our response, you may lodge a complaint with the Nigeria Data Protection Commission (NDPC) or another supervisory authority with jurisdiction over your data.
We may send you product updates, promotional offers, or other marketing communications where you have opted in or where otherwise permitted by law. You may opt out at any time using the unsubscribe link in the message or by contacting us directly; transactional and security communications about your account will continue regardless of your marketing preferences.
The Service may contain links to, or rely on, third-party websites, platforms, or providers (including payment gateways, network operators, and social platforms). We are not responsible for the privacy practices of these third parties, and we encourage you to review their privacy policies separately.
The Service is not intended for, and may not be used by, anyone under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without appropriate consent, we will take steps to delete it.
Your information may be processed or stored on servers located outside your country of residence, including in jurisdictions with data protection laws that differ from those of your home country. Where we transfer personal data across borders, we take reasonable steps to ensure it continues to receive an appropriate level of protection.
If we become aware of a data breach that is likely to result in a risk to your rights and freedoms, we will notify the appropriate supervisory authority and affected users without undue delay, as required by applicable law.
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the revised Policy on this page and updating the "Last updated" date, and, where appropriate, through additional notice such as an in-app or email notification.
If you have any questions about this Privacy Policy or wish to exercise any of the rights described above, please contact us at:
Email: admin@cardzyra.com
WhatsApp: +234 706 376 0583
Website: https://cardzyra.com
