Privacy Policy

INTRODUCTION & PURPOSE
This Privacy Policy spells out how Titan Payment System Limited (Titan PS, MyCashBox, Us, We, Our) will protect your information as you use MyCashBox, our digital financial services.
In order to operate an account on MyCashBox and to reduce the risk of fraud We will ask you to provide Us with information about yourself. By consenting to, and agreeing to the terms of this Privacy Policy, you expressly consent and agree to us processing your data in the manner set out in this document. This Privacy Policy describes the information we collect, how we use that information and how We secure it. We take the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Policy.

We will not sell your personal information to third parties for any purpose. However, in order to offer better services to you, we may share some or all of your personal information with third parties under Strict Privacy Restrictions. It is important for you to review this Privacy Policy as it applies you.

By accepting this Privacy Policy at registration, you expressly give your consent to our use and disclosure of the information you provide Us according to this Privacy Policy.

NOTIFICATION OF CHANGES
This Privacy Policy may be revised from time to time and the revised version posted on our website on the legal pages and will be effective at the time of posting. Where the change to this Privacy Policy is substantial in nature, we will provide users with at a 30 day prior notice. We will send the notice by e-mail, SMS and social media to inform you of the changes. After expiration of notice period, you will be considered as having expressly given your consented to all revisions to the Privacy Policy. If you disagree with the terms of this Privacy Policy, you may close your account on MyCashBox at any time.

THIRD PARTY WEBSITES OR PLATFORMS
In our operation, we may integrate with third party platforms and websites. These sites are governed by their own privacy statements and We shall not be responsible for their operations, including their information practices. Users should review the privacy policy of these third parties before submitting their personal information to or through them.

USERS UNDER SIXTEEN YEARS OF AGE
Users under sixteen years of age are not eligible to register and use our services on their own. Parents who wish that their children use MyCashBox can easily sign them up and send them MCB credits. Parents have full view and control over the activities of their children.

INFORMATION WE COLLECT
PERSONAL INFORMATION
To open an account on MyCashBox or use Our Services, you must provide us with the following basic personal information;

Depending on the nature of the services you request, you may have to furnish Us with additional information as may be required in order for Us to be complaint with the requirements of the laws. Additional personal information requested may include, but not limited to the following;
We may also collect and store information relating to your mobile devices including but not limited to device ID and geolocation data.

TRANSACTION INFORMATION
When you transact using MyCashBox, we may collect information about that transaction. This information may include;
We may also collect information relating to your IP address and geolocation. We retain such information so that we can enhance Our services and also protect you against instances of unauthorized transactions.

CUSTOMER SERVICE CORRESPONDENCE
Whenever you interact with Us through emails, SMS, voice or by other means, we retain such information on our systems so that we can keep records of our relationship, to measure and improve our services to you.

YOUR INFORMATION WITH THIRD PARTIES
By your consent, we may collect your information with Third Party platform such as Google, Facebook, Microsoft and Yahoo to improve our service delivery to you. We implemented the OpenID Connect / OAuth protocols to allow you to sign-up and login to MyCashBox using your information from these platforms. 

SURVEYS AND PROFILE DATA
From time to time, We may conduct surveys and collect information that we can use to serve your better. Information collected may include demographics or relating to interests and needs. You will be informed prior to participating in such surveys and how we intend to use the information collected.

NON-USERS
When a registered user sends cash to a non-user, We will keep the information that the registered user submits to Us such as;

HOW WE USE AND DISCLOSE INFORMATION
INTERNAL USES
Our primary objective for collecting your personal information is to improve Our services to you and enhance your experience. You agree that We may use your personal information to;

CONTENT POSTED BY YOU FOR PUBLICATION
When you provide Us with content or you post the content yourself for publication using MyCashBox, you grant Us (MyCashBox and Titan PS) a non-exclusive, worldwide, perpetual, irrevocable, royalty-free, sub-licensable right to exercise any and all copyright, publicity, trademarks, database rights and intellectual property rights you have in the content, in any media known now or in the future. Further, to the fullest extent permitted under applicable law, you waive your moral rights and promise not to assert such rights against the Titan PS or MyCashBox, its sub-licensees or assignees.

DISCLOSURE OF YOUR INFORMATION TO OTHER USERS
If you are a registered user, only your full name and username or login name are made available to users you transact with. Private users cannot search for other private users but can search for businesses. If you are a registered Business using MyCashBox, your website address and contact information will be made available to both private and business users. 
We may however disclose your information to third parties when you use these third parties to access Our services. We will disclose your information to no one unless we are required to do so by the order of a court or other legal processes.

DISCLOSURE OF YOUR INFORMATION TO THIRD PARTIES
We will not sell or let any of your personal information to third parties for marketing activities and will only disclose this information in limited circumstances and for the purposes described in this policy.
You consent to and direct us to do any and all of the following; disclose information including, without limitation to transaction information, personal information and the contents of your communications to;

  1. The police; security forces; government agencies, regulatory authorities, and agencies  we in good faith believe it is appropriate for us to cooperate with in investigations of fraud or other illegal activities or potential illegal activities.
  2. A civil or criminal legal process.
  3. Your agent or legal representative, the holder of a power of attorney that you grant, or a guardian appointed for you.
  4. Aggregated statistical data with our business partners or for public relations.

CONTACTING USERS
We communicate with our users via their account on MyCashBox, email, SMS, social media and by phone calls to:
We use your account on MyCashBox, email and mobile number to alert you of payments that you have made and received and cash you have sent and received and to send you information about important changes to our services.

HOW WE SECURE YOUR INFORMATION
We are committed to handling your information with high standards of information security. We use computer safeguards such as;

The security of your account also relies on how safe you keep your passwords or PINs;

UPDATING YOUR INFORMATION ON MYCASHBOX
You can update your personal information on your account on MyCashBox anytime by accessing your account on MyCashBox, go to personal and make the changes you wish to make.

If you wish to close your account on MyCashBox, you will have to notify us by sending a message to support from within your account or an email to support@titanps.mycashbox.org. Note that even if We close your account on MyCashBox, it will be marked as “disabled” for a while then finally marked as “removed”. Your account information will, however, be kept on our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new one. However, if you close your account, your personally identifiable information will not be used by us for any further purposes except as necessary to prevent fraud and assist law enforcement, or as required by law.

EFFECTIVE DATE 
The Privacy Policy will come into effect immediately upon approval by Managing Director and the Board of Directors. 
  
REVIEW OF THIS POLICY  
In the interests of dealing with the ever increasing risks, the contents of this Policy will be reviewed annually by the Business Risk department and tabled for approval from the MD.

QUESTIONS OR CLARIFICATIONS RELATED TO THIS POLICY
All questions or other clarifications of this policy and its related responsibilities should be addressed to the Business Risk Unit at compliance@titanps.mycashbox.org, who shall be responsible for the administration, revision, interpretation, and application of this policy.