Last Updated: September 2026
1. Introduction
Welcome to Pandacash. We are committed to protecting your personal information and your right to privacy. This Privacy Policy is designed in compliance with the Nigeria Data Protection Act (NDPA) 2023 and the guidelines issued by the Nigeria Data Protection Commission (NDPC). It outlines how we collect, use, store, and share your data when you use our platform.
2. Information We Collect
In order to provide our earning services and operate our platform, we collect the following categories of personal data:
- Account Information: Your full name, email address, and mobile phone number provided during registration.
- Financial Information: Bank account details (Account Name, Account Number, and Bank Name) strictly for the purpose of processing your earnings payouts.
- Task Verification Data: Social media handles, public profile links, and screenshots you upload as proof of completing tasks (e.g., WhatsApp status or Facebook posts).
- Technical and Usage Data: Your IP address, browser type, device information, and interactions with our platform collected through cookies and tracking technologies to ensure security and prevent fraud.
3. Lawful Basis for Processing
Under the NDPA 2023, we only process your personal data when we have a lawful basis to do so. Our lawful bases include:
- Consent: When you create an account or accept cookies, you give us clear consent to process your data for those specific purposes.
- Contractual Necessity: Processing your financial and account data is necessary to fulfill our obligations under our Terms and Conditions (e.g., paying you for completed tasks).
- Legitimate Interests: Monitoring usage and verifying tasks to prevent fraudulent activity and maintain the integrity of our platform.
- Legal Obligation: If required by Nigerian law or regulatory bodies (such as the NDPC or financial authorities), we may process or disclose your data to comply with legal duties.
4. How We Use Your Information
We use the data we collect for the following purposes:
- To create and secure your user account.
- To manually or automatically verify the tasks you submit for rewards.
- To process your withdrawal requests and send money to your registered bank account.
- To track affiliate link usage and properly credit referral bonuses.
- To communicate with you regarding updates, support requests, or security notices.
5. Data Sharing and Disclosure
We do not sell your personal data. We only share your data with trusted third parties under strict confidentiality agreements, including:
- Payment Processors: Necessary financial details are shared with our payout partners (e.g., Korapay, Paystack, or Opay) to facilitate your withdrawals.
- Service Providers: Hosting and infrastructure providers (e.g., cloud servers) who help us operate securely.
- Law Enforcement: If required by a valid legal process, subpoena, or to investigate suspected fraud on the platform.
6. Cookies and Tracking Technologies
We use cookies to keep you logged in, track referral links, and monitor site performance. You can choose to disable cookies through your browser settings, but please note that some features of the platform (like session management and referral tracking) may not function properly without them.
7. Data Subject Rights (NDPA 2023)
As a data subject in Nigeria, you have specific rights regarding your personal information:
- Right to be Informed: The right to know how your data is being used (as outlined in this policy).
- Right of Access: You can request a copy of the personal data we hold about you.
- Right to Rectification: You can correct or update inaccurate account information via your dashboard.
- Right to Erasure: You have the "right to be forgotten." You can request the deletion of your account and personal data, provided it is not required for legal or fraud-prevention purposes.
- Right to Restrict Processing: You can request that we temporarily halt processing your data under certain conditions.
- Right to Data Portability: You can request your data in a structured, commonly used format.
8. Data Security and Breach Notification
We implement robust technical and organizational measures to secure your personal data against unauthorized access, loss, or destruction. In the unlikely event of a data breach that poses a high risk to your rights, we will notify you and the Nigeria Data Protection Commission (NDPC) within 72 hours of becoming aware of the incident, as required by law.
9. Changes to this Privacy Policy
We may update this Privacy Policy periodically to reflect changes in the law or our platform features. The updated version will be indicated by an updated "Last Updated" date at the top of this page. We encourage you to review this policy frequently.
10. Contact Us
If you have questions about this Privacy Policy, wish to exercise your data rights, or need to lodge a complaint, please contact our Data Protection team via the Support page in your dashboard.