Privacy Policy

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Effective Date: [5th July,2023]

At Cardex, we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect the information you provide to us when using our Bank-as-a-Service platform in Nigeria. By accessing or using our services, you agree to the terms of this Privacy Policy.

Information We Collect

Personal Information: We may collect personal information such as your name, address, email address, phone number, and government-issued identification documents when you create an account with us or use our services. This information is necessary for identity verification, account management, and regulatory compliance.

Financial Information: To provide banking services, we may collect financial information such as bank account details, transaction history, and payment-related information. This information is securely stored and used to facilitate financial transactions and ensure the integrity of our services.

Use of Information

Service Delivery: We use the information collected to deliver and improve our banking services, process transactions, and respond to your inquiries and requests.

Account Management: We may use your personal information to manage and maintain your account, including account verification, security, and fraud prevention.

Communications: We may use your contact information to send you important service-related communications, updates, and promotional offers. You can opt-out of marketing communications at any time.

Legal Obligations: We may use and disclose your information to comply with applicable laws, regulations, and legal processes, including responding to court orders, regulatory requests, or law enforcement inquiries.

Information Sharing and Disclosure

Service Providers: We may engage trusted third-party service providers to perform certain functions on our behalf, such as payment processing, customer support, and data analysis. These service providers have access to personal information only to the extent necessary to perform their duties and are obligated to maintain its confidentiality.

Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal information may be transferred as part of the transaction. We will ensure appropriate safeguards are in place to protect your privacy rights.

Legal Compliance: We may disclose your personal information to comply with applicable laws, regulations, or legal processes, or to protect our rights, property, and safety, as well as the rights, property, and safety of our users and others.

Data Security

We take reasonable and appropriate measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. We employ physical, technical, and organizational safeguards to maintain the confidentiality, integrity, and availability of your data.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by applicable laws and regulations. We will securely delete or anonymize your personal information when it is no longer needed.

Your Rights

You have the right to access, correct, update, or delete your personal information held by us. You can exercise these rights by contacting us using the contact information provided below. Please note that we may retain certain information as required by law or for legitimate business purposes.

Changes to the Privacy Policy

We reserve the right to update or modify this Privacy Policy at any time. Any changes will be posted on our website or communicated to you through other means. Your continued use of our services after any modifications to this Privacy Policy constitutes your acceptance of the revised terms.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:


We will endeavor to address and resolve any issues in a timely manner.

Please review this Privacy Policy periodically for any updates or changes.

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