Pandascrow Privacy Policy

Pandascrow ("Pandascrow", "we", "our", or "us") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, transfer, and safeguard your information when you use our website, applications, escrow services, payment services, wallets, dispute resolution tools, and related products and services (collectively, the "Services"). By accessing or using our Services, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

Personal Information

We may collect personal information including:

• Full name
• Email address
• Phone number
• Residential or business address
• Date of birth
• Government-issued identification documents
• Profile information
• Business information
• Customer support communications

Financial Information

To facilitate transactions and comply with applicable regulations, we may collect:

• Bank account information
• Payment information
• Wallet addresses
• Transaction history
• Withdrawal and payout information

Technical and Usage Information

When you use our Services, we may automatically collect:

• IP address
• Device information
• Browser type and version
• Operating system
• Access dates and times
• Pages viewed
• Referral URLs
• Usage patterns
• Cookie identifiers

Compliance Information

Where required by law, we may collect information necessary to:

• Verify identity (KYC)
• Prevent fraud
• Conduct Anti-Money Laundering (AML) checks
• Assess risk
• Comply with regulatory obligations

2. Lawful Basis for Processing Personal Data

Pandascrow processes personal data only where there is a lawful basis to do so under applicable laws, including the Nigeria Data Protection Act (NDPA) 2023.

Contractual Necessity

We process personal data where necessary to:

• Create and manage user accounts
• Provide escrow services
• Process transactions and payments
• Facilitate withdrawals and payouts
• Resolve disputes
• Provide customer support

Legal Obligations

We process personal data to comply with:

• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Tax obligations
• Financial regulations
• Court orders and lawful governmental requests
• Regulatory reporting requirements

Legitimate Interests

We process personal data where necessary for our legitimate interests, including:

• Improving our Services
• Monitoring platform performance
• Enhancing security
• Detecting and preventing fraud
• Managing operational risks
• Conducting analytics and service improvements

Consent

Where required by law, we rely on your consent to:

• Send marketing communications
• Process optional information
• Use certain cookies and tracking technologies

You may withdraw your consent at any time.

Vital Interests and Public Interest

In limited circumstances, we may process personal information to protect individuals, respond to emergencies, or fulfill lawful public-interest obligations.

3. How We Use Your Information

We use your information to:

• Provide, operate, and improve our Services
• Verify identity and user eligibility
• Process transactions and payments
• Facilitate escrow agreements
• Resolve disputes between users
• Prevent fraud, abuse, and unauthorized activity
• Comply with legal and regulatory obligations
• Provide customer support
• Communicate important updates and notifications
• Monitor platform security and performance
• Conduct analytics and research

4. How We Share Information

We do not sell your personal information.

We may share information with:

Payment Processors and Banking Partners

To facilitate payments, settlements, withdrawals, and regulatory compliance.

Identity Verification and Compliance Providers

To perform KYC verification, AML screening, fraud prevention, and risk assessment.

Service Providers

Third-party providers that assist with:

• Cloud hosting
• Security services
• Analytics
• Communications
• Infrastructure management
• Customer support

Regulatory Authorities and Law Enforcement

Where required by law, regulation, legal process, court order, or lawful governmental request.

Business Transfers

In connection with mergers, acquisitions, financing transactions, restructurings, or sales of business assets.

All third parties receiving personal information are required to implement appropriate security and confidentiality safeguards.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Authenticate users
• Improve platform functionality
• Maintain security
• Remember preferences
• Analyze usage trends
• Enhance user experience

You may manage cookie preferences through your browser settings. Disabling certain cookies may affect platform functionality.

6. Data Retention

We retain personal information only for as long as necessary to:

• Provide our Services
• Fulfill contractual obligations
• Comply with legal and regulatory requirements
• Resolve disputes
• Enforce agreements
• Prevent fraud and abuse

Retention periods may vary depending on the nature of the information and applicable legal requirements.

7. Your Rights and Choices

Subject to applicable laws, including the Nigeria Data Protection Act (NDPA) 2023, you may have the following rights:

Right of Access

You may request access to the personal information we hold about you.

Right to Rectification

You may request correction of inaccurate, incomplete, or outdated information.

Right to Erasure

You may request deletion of your personal information where permitted by law.

Right to Withdraw Consent

Where processing is based on consent, you may withdraw your consent at any time.

Right to Restrict Processing

You may request limitations on certain processing activities.

Right to Object

You may object to processing based on legitimate interests, direct marketing, or other lawful grounds.

Right to Data Portability

You may request your personal information in a structured, commonly used, and machine-readable format.

Right Not to Be Subject to Solely Automated Decision-Making

You may request human review of decisions based solely on automated processing where legally applicable.

Right to Lodge a Complaint

You may lodge a complaint with the Nigeria Data Protection Commission (NDPC) or another competent supervisory authority.

Right to Seek Judicial Remedy

You may seek legal remedies where you believe your rights have been violated.

To exercise any of these rights, contact us at: Email: support@pandascrow.io

We may require identity verification before fulfilling certain requests.

8. Security

We implement appropriate technical and organizational measures to protect personal information, including:

• Encryption where appropriate
• Secure servers and infrastructure
• Access controls
• Monitoring and auditing systems
• Security assessments
• Incident response procedures

While we strive to protect your information, no system can guarantee absolute security.

9. Children's Privacy

Pandascrow is not intended for individuals under the age of 18.

We do not knowingly collect personal information from children. If we become aware that such information has been collected, we will take reasonable steps to delete it.

10. International Data Transfers

Your information may be transferred to and processed in countries outside Nigeria.

Where personal data is transferred internationally, Pandascrow implements appropriate safeguards designed to ensure compliance with applicable data protection laws, including contractual protections, security measures, and lawful transfer mechanisms.

11. Regulatory Compliance

Pandascrow complies with applicable laws and regulations relating to:

• Data protection
• Consumer protection
• Financial services
• Anti-Money Laundering (AML)
• Counter-Terrorism Financing (CTF)
• Know Your Customer (KYC)
• Fraud prevention

We may collect, verify, retain, process, or disclose information where necessary to satisfy legal and regulatory obligations.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

When significant changes are made, we will provide notice through our platform, email communications, or other appropriate channels. Continued use of our Services after updates become effective constitutes acceptance of the revised Privacy Policy.

13. Data Protection Officer

Pandascrow has designated a Data Protection Officer responsible for overseeing privacy and data protection matters.

Data Protection Officer

Email: support@pandascrow.io

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact:

Pandascrow

Email: support@pandascrow.io

Website: https://pandascrow.io

Thank you for trusting Pandascrow. We are committed to protecting your privacy and maintaining the security of your information.