1. Introduction
QOR LTD, trading as Cashmama ("we", "us", or "our"), is committed to protecting your personal information. This Privacy Policy explains how we collect, use, share, and safeguard your data when you use the Cashmama platform, including our website, mobile application, and related services (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this policy. Please read it carefully.
2. Information We Collect
We collect the following categories of information:
**Identity data**: name, date of birth, government-issued ID number, selfie or photo.
**Contact data**: email address, phone number, mailing address.
**Financial data**: bank account details, transaction history, wallet balances, linked card information.
**Technical data**: IP address, device identifiers, browser type, operating system, app usage data, login timestamps.
**Verification data**: KYC documents, biometric data (stored locally on your device only), answers to security questions.
**Communications**: messages you send to our support team, in-app chat records.
3. How We Use Your Information
We use your information to:
- Create and manage your Cashmama account
- Process payments, transfers, and transactions
- Verify your identity in compliance with KYC/AML regulations
- Detect and prevent fraud, money laundering, and other illegal activity
- Provide customer support and respond to enquiries
- Send transactional notifications (receipts, alerts, security notices)
- Improve and personalise our Services
- Comply with legal and regulatory obligations
- Send marketing communications where you have given consent
4. How We Share Your Information
We do not sell your personal data. We may share your information with:
**Service providers**: third-party vendors who help us operate our platform (payment processors, cloud infrastructure, KYC providers, fraud detection services). These partners are bound by confidentiality agreements.
**Banking partners**: licensed financial institutions through which we facilitate certain financial services.
**Regulatory authorities**: when required by law, court order, or regulatory request in any jurisdiction where we operate.
**Affiliated entities**: within our corporate group, for the purpose of operating the Services.
We require all third parties to respect the security of your data and treat it in accordance with applicable law.
5. Data Retention
We retain your personal data for as long as necessary to provide the Services and comply with our legal obligations. Transaction records and identity documents are typically retained for a minimum of 5 years after your account closure, as required by financial regulations.
You may request deletion of your account at any time via Settings → Delete Account, subject to our legal retention requirements.
6. Security
We implement industry-standard security measures to protect your data, including AES-256 encryption at rest and in transit, multi-factor authentication, real-time fraud monitoring, and strict access controls.
Despite these measures, no system is completely secure. We encourage you to use a strong, unique password and enable biometric login on your device.
7. Your Rights
Depending on your location, you may have the right to:
- Access the personal data we hold about you
- Request correction of inaccurate data
- Request deletion of your data (subject to legal obligations)
- Object to or restrict certain processing
- Data portability — receive your data in a machine-readable format
- Withdraw consent where processing is based on consent
To exercise any of these rights, contact us at admin@cashmama.org.
8. Cookies and Tracking
Our website uses essential cookies to operate correctly and analytics cookies to understand how users interact with our platform. You can control cookie preferences through your browser settings.
We do not use third-party advertising trackers on our platform.
9. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification before they take effect. Continued use of the Services after the effective date constitutes acceptance of the updated policy.
10. Contact
For questions about this Privacy Policy or to exercise your data rights, please contact:
**QOR LTD (trading as Cashmama)**
Email: admin@cashmama.org
General enquiries: admin@cashmama.org