The followings are the types of information we collect when you register for and use Crowwe Services:
1.1 Information You Provide to Us When Registering
When you create a Crowwe Account, you provide us with your email address, name, date of birth, nationality, country code, phone number, gender, home address, password, and other information to help us identify you (“Identification Information”).
If you agree to use biometric authentication methods to log in or use Crowwe services, such as fingerprint recognition and facial recognition, you need to provide us with the corresponding information, such as the fingerprint information and facial information, and your consent to the processing of your biometric data.
1.2 Information We Collect to Comply with Regulatory Policies
To comply with Nigeria industry regulatory standards, local industry regulatory standards, and international orders in different aspects such as Anti-Money Laundering (AML), and Counter-Terrorist Financing (CTF), Crowwe is required to collect personal information in addition to Identification Information, such as identity documents (including Passport, Driver's License, National Identity Card, Permanent Voters Card), proof of address (“Regulation Information”). We will explain to you the content and requirements of such personal information each time we collect information and we reserve the right to change the content and requirements of the collected information as the Nigeria industry regulatory standards, Global regulatory standards or International orders change. This provision applies to both personal and institutional Crowwe Accounts.
1.3 Information We Collect as You Use Crowwe Services a Service Usage Information
Through your access to and use of Crowwe Services, we may monitor and collect tracking information related to usage including but not limited to your phone number, access date and time, device type and device identification, operating system and hardware setting, browser type, and information derived from SIM card, network operator, IP address, GPS, base station and WLAN (“Service Usage Information”). This information may be directly obtained by Crowwe or through third-party service providers. The collection of Service Usage Information helps our systems to ensure that our interface is accessible for users across all platforms and can aid during criminal investigations.
b Transaction Information
c Communication Information
d Financial Information:
2.1 Information Crowwe Automatically Collects
Most of the personal information that we collect is directly provided by you. In the following situations, we will collect and process the information about you:
2.2 Information Collected from the Third-party Sources
We may collect information about you from third-party sources, including but not limited to, the following channels:
2.3 Anonymized and Aggregated Data
We may use anonymized or aggregate customer data for any business purpose, including to better understand Users’ needs and behaviors, improve our products and services, conduct business intelligence and marketing, and detect security threats. We may perform our own analytics on anonymized data or enable analytics provided by third parties.
We use the information we collect about you for the following purposes or in the following ways:
3.1 To Provide and Maintain Crowwe Services
We use the information received to deliver, maintain and provide better Crowwe Services (including but not limited to processing transactions) and verify Users’ identities.
We use the IP address and unique identifiers stored in your device’s cookies to help us authenticate your identity and activities and provide Crowwe Services. Given our legal obligations and system requirements, we cannot provide you with all or some of Crowwe Services without internet subscription (data).
3.2 To Protect Our Users
We use the information collected to protect our platforms, Users’ accounts, and archives.
We use IP addresses and cookies to protect against automated abuse such as spam, phishing, and Distributed Denial of Service (DDoS) attacks.
We monitor and analyze communication activities with the goal of detecting suspicious behaviors as early as possible to prevent potential fraud and loss to bad users.
3.3 To Comply with Legal and Regulatory Requirements
3.4 For Measurement, Research and Development Purposes
We actively measure, analyze and monitor data to understand the way you use and interact with Crowwe Services. This review activity is conducted by our operation teams to continually improve our Platforms’ performance and to resolve issues with the user experience. In addition, we use such information to customize, measure, and improve Crowwe Services and the content and layout of our websites and apps, and to develop new services.
We continuously monitor activity information within our systems and our communications with users to observe and quickly fix problems.
3.5 To Communicate with You
We use personal information collected, like your phone number or email address to interact with you directly when providing customer support assistance or to keep you informed on logins, transactions, account security and other aspects. Without collecting and processing your personal information for confirming each communication, we will not be able to respond to your submitted requests, questions, and inquiries. All direct communications are properly kept at Crowwe or the service provider designated by Crowwe, to be reviewed for accuracy, to be kept as evidence, or to be used to perform other statutory or contractual obligations.
3.6 To Enforce Our TOU and Other Agreements
The collected information is also used to continually and actively enforce our TOU and other agreements with our Users, including but not limited to reviewing, investigating, and preventing any potentially prohibited or illegal activities that may violate the foregoing provisions, or disclose the relevant information to a third party in accordance therewith.
Crowwe reserves the right to suspend or terminate provision of any Crowwe Services to any User found to be engaged in activities that violate our TOU and other agreements with our Users.
3.7 To Facilitate Corporate Acquisitions, Mergers, or Corporate Transactions
We may process any information regarding your Crowwe Account and use of Crowwe Services as is necessary in the context of corporate acquisitions, mergers, or other corporate transactions.
3.8 For Marketing and Advertising
We may share your personal information with our marketing partners for the purposes of targeting, modeling, and/or analytics as well as marketing and advertising.
3.10 For Any Other Purpose
We may disclose your personal information for any other purpose you consent to.
If we think you may like specific Crowwe Services or products and services of our partners or Affliates, we hope to keep you informed about such products or services.
If you agree to receive the above marketing information, you can choose to receive it at any time in the future.
You have the right to ask us at any time to stop contacting you for marketing purposes or to send relevant information to you.
Crowwe has kept your data safe using highly secured storage with industry standard encryption and implemented a number of security measures to ensure that your information is not lost, adulterated, or altered.
Please note that it is impossible to guarantee 100% security of information. As such, we request that you understand the responsibility to independently take safety precautions to protect your own personal information. You agree that we shall not be liable for any information leakage and other losses not caused by our intention or gross negligence, including but not limited to hacker attack, power interruption, or unavoidable technical failure, to the maximum extent permitted by law.
If you suspect that your personal information has been compromised, especially account and/or password information, please lock your Crowwe Account and immediately contact Crowwe Customer Support Center.
Unless otherwise stipulated by law or the TOU, you agree that we have the right but not the obligation to retain all the collected personal information for the duration of your Crowwe Account for 7 more years after the account is closed.
You understand that we have the right to have all or some of the collected personal information transferred to or stored in any country or region without your specific consent, under the following circumstances:
6.1 if it is necessary to protect, process, analyze, reasonably use the personal information;
6.2 if it is necessary to enforce the TOU and other agreements with our Users;
6.3 if it is necessary for the public interest;
6.4 if it is necessary to establish, exercise or defend the rights of us, our partners, or other Users;
6.5 other circumstances required by law or government orders.
7.1 What Are Cookies?
Cookies are small amounts of data that are sent to your browser and stored on your device’s hard drive to collect standard internet log information and visitor behavior information. When you visit Crowwe, we can automatically collect information from you through cookies or similar technologies.
7.3 How to Manage Cookies?
Most browsers are preset to accept cookies. You can adjust your browser setting to prevent cookies or to notify you as soon as cookies are loaded. However, stopping all cookies might mean that you cannot access or use some features of the Crowwe.
We hope to ensure that you are fully aware of the data protection rights that you enjoy. Unless otherwise required by law or government orders, each User has the following rights though not absolute:
8.1 Right of Access
You have the right to access or obtain copies of your personal information. We may charge a reasonable fee for providing the access service.
8.2 Right to Rectification
You have the right to correct your personal information that you deem inaccurate. You also have the right to ask us to complete the personal information that you deem incomplete within a reasonable limit.
8.3 Right to Erasure (Right to be Forgotten)
You have the right to request the erasure of your personal data under certain circumstances.
8.4 Right to Restriction of Processing
Under certain circumstances as required by law or as specifically reminded by us, you have the right to request us to restrict the processing of your personal information; however, you understand that such restriction of the processing may prevent us from providing you with some of Crowwe Services.
8.5 Right to Object
Under certain circumstances as required by Law or as specifically reminded by us, you have the right to object to the processing of your personal information; however, you understand that such objection of the processing may prevent us from providing you with some of Crowwe Services.
8.6 Right to Data Portability
Under certain circumstances as required by Law or as specifically reminded by us, you have the right to request us to transmit the personal information that we collect to another body, or directly to you. We may charge a reasonable fee for providing the transmission service.
9.1 Privacy Policies of Non-Crowwe Application
If you visit other third-party or partner’s platforms via the links on Crowwe, you should agree with and abide by their separate and independent privacy policies. We are not responsible for the content or the activities therein.
9.2 Privacy Policies of Crowwe