Ka'idar Sirri
An sabunta karshe: 2026-04-01
1. Bayanan Da Muke Tattarawa
Muna tattara bayanan sirri da ka bayar yayin rajista (suna, imel, lambar waya), tabbatar da asali (BVN, NIN, ID na gwamnati), da bayanan ma'amala (adadin canja kudi, bayanan masu karba). Muna kuma tattara bayanan fasaha kamar adiresoshin IP, bayanan na'ura, da salon amfani don inganta sabis na mu da gano zamba.
2. Yadda Muke Amfani da Bayananka
Muna amfani da bayananka don sarrafa canja kudi, tabbatar da asalin ka (bin doka na KYC/AML), sadarwa da kai game da asusun ka, hana zamba da ma'amaloolin da ba a ba da izini ba, bin dokokin shari'a, da inganta sabis na mu. Ba ma sayar da bayananka na sirri ga wasu kamfanoni.
4. Masu Sarrafa Bayanai na Uku
Muna amfani da masu sarrafa bayanai na uku masu zuwa don bayar da sabis ɗinmu: Sumsub (tabbatar da asali, EU/UK), Honeycoin (sarrafa biyan kuɗi da musayar kuɗi, Afirka), Twilio (SMS da WhatsApp, US), Crisp (taɗi kai-tsaye, EU), Sentry (sa ido kan kuskure, US), Cloudflare (CDN da tsaro, US), da Railway (karbar masauki na manhaja, US/EU). Duk masu sarrafa bayanai na uku suna ƙarƙashin yarjejeniyar sarrafa bayanai da ke biyan bukatun NDPA da Mataki na 28 na GDPR. Za mu sanar da kai duk wani sabon mai sarrafa bayani aƙalla kwanaki 30 kafin ya fara sarrafa bayanan ka.
Yarjejeniyoyin sarrafa bayanai na masu sarrafa bayanai
Hanyoyin haɗi kai tsaye zuwa DPA na kowane mai sarrafa bayanai inda aka buga su. Idan babu DPA na jama'a, takarda mai bayyana ce ke maye gurbin hanyar haɗin.
- Sumsub— Identity verification (KYC/AML) (EU/UK)Duba DPA
- Honeycoin— Payment processing and FX (Africa)Bilateral B2B agreement; excerpts available on request from privacy@crosspay.me.
- Twilio— SMS and WhatsApp messaging (US)Duba DPA
- Crisp— Live chat support (EU)Duba DPA
- Sentry— Error monitoring (US)Duba DPA
- Cloudflare— CDN, security, and email obfuscation (US)Duba DPA
- Railway— Application hosting (US/EU)Hosting customer terms apply; standalone DPA available on request from privacy@crosspay.me.
5. Tsaron Bayani
Muna kare bayananka da rufin bayanai na 256-bit a cikin watsawa da a hutawa, sarrafa makulli mai tsaro, iko na shiga, da binciken tsaro na yau da kullum. Lambobin asusun banki suna rufaffun yayin da suke a ajiye ta hanyar rufin bayanai na masana'antu. Duk da wadannan matakai, babu tsarin da yake cikakke mai tsaro, kuma ba za mu iya tabbatar da cikakken tsaro ba.
6. Riƙe Bayanai
Muna riƙe bayanan ka na sirri muddin asusun ka yana aiki kuma na tsawon shekaru 7 bayan rufewa don bin ka'idojin kudi. Ana riƙe bayanan ma'amala don tsawon lokacin da doka ta bukaci. Za ka iya neman shafe bayanan asusun ka bisa ga wajibcin doka na mu.
8. Hakkokin Ka
A karkashin Dokar Kare Bayanan Najeriya (NDPA), kana da hakkin shiga, gyara, ko share bayanan ka na sirri, ki amincewa da sarrafa, neman daukar bayanan ka, da janye yardar ka. Mazauna EU da UK suna da hakkoki masu kama da na GDPR / UK GDPR, ciki har da hakkin shigar da koke ga hukumar kare bayanai ta ƙasarsu. Don amfani da kowane daga waɗannan hakkoki, tuntube Jami'in Kare Bayananmu a privacy@crosspay.me; muna amsawa cikin kwanaki 30.
9. Sirrin Yara
CrossPay ba don masu amfani da ba su kai shekaru 18 ba ne. Ba ma son tattara bayanan sirri na yara. Idan muka sami labarin cewa mun tattara bayani daga yaro, za mu share shi nan take.
10. Canje-canje ga Wannan Ka'ida
Za mu iya sabunta wannan ka'idar sirri lokaci-lokaci. Za mu sanar da kai game da manyan canje-canje ta hanyar imel ko sanarwa a cikin app aƙalla kwanaki 30 kafin canje-canjen su fara aiki. Ci gaba da amfani da sabis na mu bayan canje-canje yana nufin karba.
11. Tuntube Mu
Don tambayoyin da suka shafi sirri ko don amfani da hakkokin ka na bayani, tuntubi Jami'in Kare Bayanai na mu a privacy@crosspay.me ko rubuta zuwa CrossPay Limited, Victoria Island, Lagos, Najeriya.