Privacy Policy

Effective Date: May 30, 2026  |  Last Updated: May 30, 2026

1. Introduction

Cedicards ("we," "our," or "us") is operated by CWJ CLEANING SERVICES LTD. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your data when you use the Cedicards mobile application and website (collectively, the "Service").

By accessing or using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with any part of this policy, please discontinue use of the Service.

2. Information We Collect

We may collect the following categories of information:

• Account Information: When you register, we collect your name, email address, phone number, and a secure password.
• Identity Verification: To comply with applicable regulations and prevent fraud, we may request government-issued identification documents, a selfie, and proof of address.
• Transaction Data: Details of gift card submissions including card brand, denomination, serial numbers, uploaded images of gift cards, and the resulting payout amounts.
• Financial Information: Bank account details or mobile money wallet information required to process payouts to you.
• Device & Usage Data: Device type, operating system, IP address, app version, and interaction logs collected automatically when you use the Service.
• Referral Data: Information about users you refer, and the referral codes or links you share through our membership and commission program.

3. How We Use Your Information

We use the information we collect for the following purposes:

• To create, maintain, and secure your Cedicards account.
• To process gift card submissions, verify card authenticity, calculate exchange rates, and issue payouts to your registered bank account or mobile wallet.
• To verify your identity and comply with anti-money laundering (AML) and know-your-customer (KYC) obligations where required by law.
• To operate the membership tier system, cashback rewards, and referral commission programs.
• To provide customer support via in-app chat and respond to your inquiries.
• To send service-related notifications, transaction confirmations, and important account updates.
• To detect, prevent, and address fraud, security incidents, and technical issues.
• To analyze usage patterns and improve the performance, features, and user experience of the Service.
• To comply with legal obligations, enforce our Terms of Service, and protect our rights.

4. How We Share Your Information

We do not sell your personal data. We may share information only in the following circumstances:

• With Service Providers: Trusted third-party vendors who assist us with payment processing, identity verification, cloud hosting, and analytics. These providers are contractually obligated to protect your data and use it solely for the services we request.
• With Financial Institutions: Your payout details are shared with partner banks or mobile money operators solely to complete your requested withdrawal.
• For Legal Requirements: We may disclose information if required by law, court order, or governmental regulation, or to protect the safety, rights, or property of Cedicards, our users, or the public.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your data may be transferred as part of that transaction, subject to the same privacy protections.

5. Data Security

We implement industry-standard technical and organizational measures to protect your personal information, including:

• Encryption of data in transit using TLS (Transport Layer Security) and data at rest using AES-256 encryption.
• Secure server infrastructure with access controls, firewalls, and regular security audits.
• Strict internal access policies ensuring only authorized personnel may access sensitive data on a need-to-know basis.

However, no method of electronic transmission or storage is 100% secure. While we strive to use commercially acceptable means to protect your data, we cannot guarantee its absolute security.

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law. Specific retention periods:

• Account data: Retained while your account is active, plus 24 months after account closure for audit and dispute resolution purposes.
• Transaction records: Retained for a minimum of 5 years to comply with financial regulations and anti-fraud requirements.
• Identity verification documents: Deleted 90 days after successful verification, unless a longer retention period is required by law.

7. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal data:

• Access: Request a copy of the personal data we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal data, subject to legal retention requirements.
• Portability: Request your data in a structured, commonly used, machine-readable format.
• Objection: Object to certain processing activities, including direct marketing.
• Withdrawal of Consent: Where processing is based on consent, withdraw that consent at any time without affecting the lawfulness of prior processing.

To exercise any of these rights, please contact us using the details in Section 11. We will respond within 30 calendar days.

8. Children's Privacy

Our Service is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child under 18 has provided us with personal data, we will take steps to delete such information promptly. If you believe a child has provided us with personal data, please contact us immediately.

9. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by Cedicards. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We strongly advise you to review the privacy policy of every site you visit.

10. Changes to This Policy

We reserve the right to update this Privacy Policy at any time. When we do, we will revise the "Last Updated" date at the top of this page and notify you through the Service (e.g., via in-app notification or email) for material changes. Your continued use of the Service after any modification constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us:

CWJ CLEANING SERVICES LTD
Email: support@cedicards.com
Response Time: Within 24–48 business hours