RendcoreTechnology Limited has created this Privacy Policy to explain how Rendcore Technology collects, uses, discloses and protects your Personal Data, including any other information. You accept this Privacy Policy and hereby give Rendcore Technology consent to save, process and use your Personal Data to the extent as allowed by law when you provide us with details of your Personal Data, Download and install our App, create an account or by clicking on the “accept” button. We may change this Privacy Policy from time to time. If we make changes, we will notify you by revising the date at the top of this policy, and in some cases, we may provide you with additional notice (such as by adding a statement to the homepages of our website or by sending you an email notification). We encourage you to review the Privacy Policy whenever you interact with us to stay informed about our information practices and the ways you can help protect your privacy.

Rendcore may request, collect, and process different types of information in order to provide you with secure, reliable, and compliant financial services. The categories of information include:

Basic identification details: Your full name, date of birth, place of birth, nationality, gender, address, email, phone number, and demographic details. Address information may be verified through utility bills or electronic verification systems.

Verification and supporting identity records: Copies of government-issued documents (such as a passport, driver’s license, or national ID), live images captured for verification, tax identification numbers, social security or insurance numbers (where applicable), employment details including source of income and work history.

Financial records: Bank account details, income or wealth verification documents, account statements, transaction history and payment methods.

Technical and connection data: Your IP address, browser type, operating system, device model and unique identifier, software version, device settings (such as timezone and language), as well as details of your internet connection and equipment used to access Rendcore.

Service usage information: Records of your interactions within the Rendcore platform, including pages visited, links clicked, keystrokes, actions taken (such as copy/paste), verification attempts, inactive account indicators, and overall application activity. This also includes transaction logs such as services used, amount, date, time, and payment method.

Location information: Data related to your location and location-based searches carried out on the platform.

Communication history: Any messages, comments, files, or inquiries sent through the Rendcore app, website, email, phone, or other channels. This also covers engagement through social media channels, and responses to campaigns, promotions, or surveys organized by Rendcore or its partners/agencies.

Beneficiary and referral information: Details of the beneficiaries you nominate for transfers and any information about individuals you introduce to Rendcore who choose to register or download the app.

Additional checks: In certain cases, Rendcore may request further information to complete identity verification or risk assessment, which may include real-time facial recognition or other security processes.

We gather information from you in different ways to ensure that our services remain secure, compliant, and convenient. Data may be provided directly by you, shared through our trusted partners, or obtained from third-party verification providers. The main ways include:

Direct interactions with Rendcore:When you create an account, register online, sign up for promotions, request services, place an order, or download and use our application.

Customer feedback and engagement: When you voluntarily complete surveys, submit reviews, send us feedback by email, participate on message boards, or share comments within the app or on social media.

Digital activity and device use: When you browse our website using cookies, use the Rendcore app, interact with in-app features, or allow access to your device’s location services. Some app features may be limited if location tracking is turned off.

Communication channels: When you contact us through phone calls, email, app messages, complaint form or social media interactions.

External verification checks: Before providing services, we may collect information from reference agencies, open banking platforms, fraud prevention services, sanctions lists, and KYC/AML (Know Your Customer/Anti-Money Laundering) providers. This is done to verify your identity, assess financial risk, and protect against fraud and money laundering.

Marketing and promotions: When you participate in our promotional campaigns, reward and cashback programs, or referral initiatives.

In some cases, we may also obtain information about you from publicly available sources or other regulated institutions, strictly for compliance and verification purposes.

Rendcore uses the personal data it collects to provide secure, reliable, and compliant financial services. This may include both public and non-public personal data. We process this information for the following purposes:

Service delivery and transactions: To provide, maintain, and improve our services; to deliver the products and services you request; to process transactions; and to send confirmations and related notifications.

Identity verification and fraud prevention: To verify your identity, conduct due diligence checks, prevent fraud, reduce risks of financial crime, and comply with applicable laws and regulations.

Security and compliance: To enhance the safety of our users and systems, monitor for suspicious activity, and comply with anti-money laundering (AML), counter-terrorism financing (CTF), and other regulatory requirements.

Research, development, and improvements: To analyze usage trends, test features, improve user experience, and develop new services. We may invite you to participate in surveys or market research.

Communication and marketing: To send technical notices, updates, alerts, and administrative information. To keep you informed about Rendcore’s services, offers, promotions, referral programs, rewards, and events we believe may be of interest to you.

Legal and regulatory obligations: To comply with applicable laws, respond to lawful requests from authorities, protect our rights, and manage disputes or proceedings.

Other purposes: To fulfill the specific purpose for which you provided the data, or for any other use disclosed to you at the time of collection with your consent. Rendcore does not sell or rent your personal data to third parties for their direct marketing purposes. We may share your information only with trusted service providers and partners necessary to deliver our services, subject to regulatory obligations and your consent where required

Rendcore’s services are designed for adults and are not intended for individuals under the age of 18. We do not knowingly request, collect, or store personal information from anyone who does not meet this age requirement.

1. 1. Individuals under 18 are not permitted to create an account, use our application, or provide any personal information (such as name, address, phone number, email address, or identification documents) through our platform.
2. 2. If it comes to our attention that personal data has been provided by a person under 18, Rendcore will take immediate action to reject the application or close the account and securely delete such information.
3. 3. Parents or guardians who believe that Rendcore may have inadvertently collected information from or about a minor are encouraged to contact our Data Protection Team so that we can take the necessary steps to remove the data.

Contact for data concerns

If you suspect that a child’s information has been submitted to Rendcore, please reach out to us at privacy@rendcore.com

Rendcore treats your personal data with the highest level of confidentiality and only shares it under limited, lawful, and clearly defined circumstances. We may disclose your information as follows:

Trusted service providers and affiliates: With affiliated companies, partners, or carefully selected third-party providers who process data on our behalf (e.g., identity verification, payment processing, IT, or cloud services). These parties are required to act strictly under RendCore’s instructions and in compliance with the Nigeria Data Protection Act (NDPA) and other applicable data protection laws. Once they no longer require your information to deliver their services, they must securely dispose of it.

Operational support services: With service providers such as communication platforms, email providers, or marketing partners who assist us in delivering campaigns, customer engagement, or administrative support.

Everyday business purposes: With non-affiliated companies, where necessary to process transactions, maintain customer accounts, respond to lawful investigations, or comply with regulatory requirements.

Legal and regulatory compliance: Where disclosure is required under applicable laws, regulations, legal processes, or lawful government requests. This may include law enforcement, regulators, auditors, or courts.

Risk, security, and fraud prevention: With investigators, compliance consultants, or relevant third parties where we reasonably believe disclosure is necessary to protect RendCore, its users, or the public from fraud, crime, or legal violations.

With your consent: Where you direct us to share your information, or where we notify you that your personal data will be disclosed in a particular way and you agree.

Aggregated or anonymized data: We may share data that has been aggregated, de-identified, or anonymized, meaning it can no longer reasonably be used to identify you.

Corporate transactions: In connection with business activities such as mergers, acquisitions, restructuring, financing, or the transfer of assets, where your data may be shared with relevant parties as part of due diligence or completion of the transaction.

Corporate transactions: In connection with business activities such as mergers, acquisitions, restructuring, financing, or the transfer of assets, where your data may be shared with relevant parties as part of due diligence or completion of the transaction.

International Transfers: If Rendcore needs to transfer your personal data outside Nigeria, we will ensure that the receiving country has adequate data protection laws in place. Where such safeguards do not exist, we will seek your explicit consent before the transfer.

Rendcore takes reasonable measures to help protect all Personal Data about you from loss, theft, misuse and unauthorised access, disclosure, alteration and destruction. Additionally, Rendcore implements policies designed to protect the confidentiality and security of your Personal Data, including a Data Protection Policy. We have also taken measures to comply with the provision of security facilities for the protection of your Personal Data through the set-up of firewalls, limited access to specified authorized individuals, encryption and continuous capacity building for relevant personnel. We therefore have digital and physical security measures to limit and eliminate possibilities of data privacy breach incidents.

We will hold your Personal Data on Rendcore’s systems for as long as it is necessary to fulfil the purpose for which it was collected or to comply with legal, regulatory or internal policy requirements. And except as otherwise permitted or required by applicable law or regulation

The law gives you certain rights in respect to your Personal Data Rendcore holds about you. Below is a highlight of some of those rights. At any point while we are in possession of or processing your Personal Data, you, the Data Subject, have the following rights:

1. 1. Right of access – You have the right to request a copy of the information that we hold about you.
2. 2. Right to rectify – You have the right to correct the Personal Data we hold about you that is inaccurate.
3. 3. Right to be forgotten – In certain circumstances, you may ask for the data we hold about you to be erased from our record.
4. 4. Right to restrict processing – Where certain conditions apply, you have a right to restrict processing of your Personal Data.
5. 5. Right to portability – You have the right to have your Personal Data transferred to another organisation.
6. 6. Lodge compliant – You have a right to lodge a complaint about the handling of your Personal Data with the Nigeria Data Protection Bureau (NDPB) at https://services.ndpc.gov.ng/breach/
7. 7. Right to object – You have the right to object to the Processing of Personal Data.

In the event of a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to Personal Data, Rendcore shall within 72 (Seventy-Two) hours of having knowledge of such breach report the details of the breach to NDPB. Furthermore, where we ascertain that such breach is detrimental to your rights and freedoms in relation to your Personal Data, we shall within 7 (Seven) days of having knowledge of the occurrence of such breach take steps to inform you of the breach incident, the risk to your rights and freedoms resulting from such breach and any course of action to remedy said breach.

Some features of Rendcore may direct you to external websites, apps, or services that we do not control. We are not responsible for the content, policies, or practices of these third parties. Before providing any personal information or using their services, please review their privacy policies and terms of use.

Rendcore may revise this Privacy Policy from time to time to reflect changes in our services, legal requirements, or operational practices. When we make significant updates, we will notify you by:

1. 1. Posting the revised policy on our website
2. 2. Sending an email or in-app notification, or
3. 3. Providing notice through our services.

Rendcore uses automated systems to help keep your account safe and our services efficient. These systems are used for:

1. 1. Fraud detection: Spotting unusual or suspicious activity.
2. 2. Identity verification: Checking documents and information to confirm they are genuine.
3. 3. Transaction risk checks: Assessing the risk of transfers or other activities.
4. 4. Compliance checks: Making sure users and transactions meet legal and regulatory requirements.

These automated processes help Rendcore provide faster, safer, and more reliable services.

This Privacy Policy and any disputes arising from it shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. any dispute shall be subject to the exclusive jurisdiction of the courts of Nigeria. We recognize that different jurisdictions may have varying requirements regarding data protection, and we are committed to meeting or exceeding the legal requirements in each jurisdiction where we operate.

Rendcore may send you information about our products, services, offers, or promotions. If you prefer not to receive these marketing messages, you can opt out by:

1. 1. Clicking the unsubscribe link in any marketing email.
2. 2. Updating your communication preferences in your account settings, or.
3. 3. Contacting our customer support team.

Please note that even if you opt out of marketing messages, we will still send important servicerelated communications, such as transaction alerts, account updates, or security notices.