Privacy Policy

Privacy Policy

This Privacy Policy comprises Crand Technologies’ commitment to your privacy regarding collection, the use and disclosure of personal data on our platforms. We may amend this Privacy Policy at any time by posting a revised version on our platforms. The revised version will be effective 7 days after publication.

This Privacy Notice (“Notice”) is designed to give you information on our privacy practices, the measures we take to protect the security of the data and to help you understand your rights and choices when we collect or process your Personal Information.

For any access request, questions, or inquiries about how we use your Personal Information and our privacy practices, please contact us at compliance@crandtech.com

This privacy notice is applicable to all CRAND TECHNOLOGIES LIMITED Services accessed by you. The Privacy Policy does not apply to sites displayed or linked from within our various services. These sites have access to cookies, plug-ins or other files on your computer system. In order to restrict this access, you must set appropriate controls from your settings when using any third-party services

CONSENT

You accept this Privacy Policy when you give consent upon access to our platforms, or use our services, content, features, technologies or functions offered on our platforms or visit any of our offices for official or non-official purposes (collectively “Crand Technologies Services”). This Policy governs the use of Crand Tech's services or its inventions and intervention projects by our users and stakeholders unless otherwise agreed through a written contract.

Upon registration to use any product of Crand Technologies or services, you unconditionally and unequivocally agree and accept the terms and conditions stated hereunder:

You accept not to use Crand Technologies Limited inventions, products and services to facilitate illegal activities.

Information provided on this website does not constitute accounting, legal, financial, consulting, investment or other professional advice.

You bear all risks from any decision to use Crand Technologies limited products and Crand shall not be liable for any loss suffered.

Your account may be terminated if it is discovered that you have provided us with false or misleading information, or if you refuse to provide correct information about your true identity.

You agree and consent that your account may be suspended pending the outcome of an investigation,

You agree and consent to receive correspondence from Dtunes via email, SMS, push notifications, social media, letters or any other media we use.

You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers (PINs), or any other codes or credentials that you use to access the services.

You are not permitted to sell, borrow, share or otherwise make available your account or any information necessary to access your account to people or entities other than yourself.

INFORMATION COLLECTION AND USE

Crand Technologies will only collect your information in line with relevant applicable regulations and laws.

PERSONAL DATA

While using our platforms or services , we may ask you to provide us with personally identifiable information that can be used to contact or identify you.

TYPES OF PERSONAL DATA WE MAY ACCESS

Identity data

Information such as your full name, your government issued identity number, and your date of birth. This data is to enable us to verify your identity in order to offer our services to you. We also collect copy(ies) of your passport, driving licence or other any government-issued identity card, a photograph or image in photo or video form (if applicable) and any other registration information you may provide to prove you are eligible to use our services and in compliance with regulatory requirements on Know Your Customer (KYC), Know-Your-Business (KYB) and Anti-Money Laundering Laws (AML) and regulations;

Contact data

This includes your location, country of residence, contact address, email address, contact number, details of the device you use and billing details. We require this data to reach out to you for the purpose of providing our Services to you and verifying your login requests.

Log/Technical Data

When you access Crand Technologies’ Services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, information on your page interaction (e.g., scrolls and clicks), log-in information, internet protocol (IP) address, location and other device details.

Financial Data

Information, such as your bank account number, international bank account number (IBAN), sort code, beneficiary details, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf;

Transactional Data

This is information relating to a payment when you as a merchant (using one or more of our payment processing Services) or as a customer, are using our products or Services;

Marketing and Communications Data

This includes both a record of your decision to subscribe to or withdraw from receiving marketing materials from us or from our third parties. This also includes the content of your communication with us through mobile calls, call recordings, online chats or other means of communication.

Records of your discussions with us, if we contact you and if you contact us.

HOW WE OBTAIN YOUR PERSONAL DATA

All personal data made available to us is made available when you do the following, but not limited to the below listed;

Sign up or register to use a Crand Technologies Account;
Use any of our Services;
Contact our customer support team or correspond with us;
Fill in our online forms or respond to surveys;
Apply for employment opportunities we advertise;
Register for and attend our webinars, events or online discussions;
Contact us for other reasons.
Third party sources i.e., credit bureaus, merchants, fraud prevention agencies, identity verification providers and other publicly available sources such as online directories and websites for due diligence checks.

WHY WE HAVE YOUR PERSONAL INFORMATION

The legal basis we rely on for processing your Personal Information are:

Your consent
Where you agree to us collecting and using your Personal Information.
We have a contractual obligation
Without your Personal Information, we cannot provide our Services to you.
We have a legal obligation
We have a legal obligation and responsibility to act in compliance with applicable laws, legislations and regulations to prevent fraud by verifying your identity, terrorism financing, proliferation financing and money laundering. To ensure we are fully compliant with all applicable financial legislations such as Anti-Money Laundering and Counter Terrorist Financing Laws, we must collect and store your Personal Information.
We have a legitimate interest

In certain instances and as permitted by law, we may rely on legitimate interests in our business to process your Personal Information. These may include sharing your data with our affiliates, or protecting against fraud by checking your identity before providing you with a service.

HOW WE USE YOUR INFORMATION

We may use the collected personal information for the following;

Create and manage any Accounts you may have with us, verify your identity, provide our Services, and respond to your inquiries.
Process your payment transactions (including authorization, clearing, chargebacks and other related dispute resolution activities) and provide other payment related services to you.
To tell you about similar products and services or products and services that you ask us to send you information about by email, mobile number, social media platforms or other digital channels.
To register you on our platforms (where this involves setting up an account or updating your account).
Communicate with you to resolve an inquiry, complaint or concerns with your Account. We also use your contact data to send you one-time passwords (OTP) for account authentication via short messaging service (SMS), email, WhatsApp or other electronic mediums;
To deliver advertising to you directly or on our websites, provide updates on special deals and offers that might interest you (unless you tell us otherwise).
Protect against and prevent fraud, un-authorized transactions, claims and other liabilities;
To make suggestions and recommendations to you, other users of our platforms and users of the services of our third-party advertisers of
To detect and prevent financial crimes including fraud, financing for terrorism and money laundering, this is to ensure security and business continuity.
To send you general announcements or important news about your account, request your feedback and we believe you should be able to select what kinds of information you receive from us via email.
To process applications and send notices about your transactions to requisite parties.
To verify your identity
Evaluate and improve our business, including developing new products and Services.
Establish, exercise and defend legal rights, as necessary.
To resolve disputes, collect fees, and troubleshoot problems.
To comply with applicable laws and regulations, including for compliance with Know-Your-Customer, Know-Your-Business, Anti-Money Laundering, anti-corruption, fraud monitoring, sanctions screening and risk assessment requirements, or as requested by any judicial process, law enforcement or governmental agencies having or claiming jurisdiction over Crand Technologies or Crand Technologies’ affiliates;
Use data analytics to improve our website, products or Services, user experience and to optimise our Services.
Mobile applications: In order to experience the full range of our mobile application’s seamless services, including the ability to send funds to your phone contacts through the application (where applicable), we would require your consent granting access to your contact list. You have the right to withdraw your consent allowing us access to your contact list at any time. Please note that where your consent is not given or withdrawn, we would require the email address or contact of the recipient in order to facilitate the fund transfer through the application.

Employment: if you apply for employment with Crand Technologies, we use your Personal Information to evaluate your interest in employment, for compliance checks, and to contact you regarding possible employment with Crand Technologies;

For other purposes, for which we provide specific notices at the time of collection.
For other purposes, for which we provide specific notices at the time of collection.

HOW WE SHARE YOUR INFORMATION

Crand Technologies in a bid to provide you with excellent products and services, may need to outsource some of its product delivery. This will be done in line with applicable and relevant regulations and law.
We may share your information where we have a public or legal duty to do so, when we need it to conclude regulatory reporting and when we have requested and received your permission to share it.
We may also share your information in the event that we were to sell our business or assets, we may disclose your personal data to prospective or actual purchasers and/or their advisers.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We store and process your personal information on our computers in Nigeria. In a situation where we need to transfer your data to another country, such a country must have an adequate data protection law. We will seek your consent where we need to send your data to a country without an adequate data protection law.
We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

YOUR PRIVACY RIGHTS

By the Data Protection Legislation, the user has many rights that must be safeguarded in relation to their Personal Information.
Right to confidentiality, if you have created a username, identification code, password or any other piece of information as part of our access security measures, you must treat such information as confidential, and you must not disclose it to any third party.
Right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these Conditions. If you know or suspect that anyone other than you knows your security details, you must promptly notify us at our customer support.
Right to request access to all or copies of your Personal Information by signing into your Account or contacting us. We will not give you Personal Information we hold on other individuals. You can exercise this right provided that we are not mandated to provide access to Personal Information more than twice in a 12-month period.
Right to request that Crand Technologies delete or erase your Personal Information. Please note that this is a limited right which applies where the continued processing of your Personal Information has no legal justification. The exceptions to this right is where the applicable law requires Crand Technologies, as a regulated financial services institution, to retain a historical archive of your personal information to fulfil regulatory requirements or where we retain a core set of your personal information to ensure we do not inadvertently contact you in future, where you object to your data being used for marketing purposes.
Right to correct or rectify any Personal Information that you provide which may be incorrect, out of date or inaccurate. You also have the right to ask us to update information you think is incomplete or outdated.
Right to opt out of direct marketing. You have a right to ask us not to contact you for marketing purposes by adjusting your notification preferences on the settings page of our Sites or by opting out via the unsubscribe link in marketing emails we send you.
Right to object to processing: You have the right to object to or restrict the processing of your Personal Information in certain circumstances. Please note that where you object to or restrict us from processing your Personal Information, we might be unable to provide our Services to you.
Right not to be subject to a decision based solely on automated processing.
Right to request that we move or transfer your Personal Information across different Services we provide, or have it moved or transferred from us to another company in a structured, commonly used and machine-readable format. The exception to this right is where your request is not technically feasible or possible.

How we Share your information within Crand Technologies Limited , our inventions, partners and other Users;

During your interaction with any of our platforms or premises, we may provide Ministries, Departments, Agencies (MDAs), other organs of government, private sector operators performing government functions, with information such as your name, contact details, or other details you provide us for the purpose of performing their statutory mandate to you or third parties.
We work with third parties, financial institutions, and corporate bodies to perform Crand Technologies services and implement its mandate. In doing so, a third party may share information about you with us, such as your email address or mobile phone number.
You accept that your pictures and testimonials on all social media platforms about Crand technologies' inventions can be used for limited promotional purposes by us. This does not include your trademarked or copyrighted materials.
From time to time we may send you relevant information such as news items, enforcement notices, statutorily mandated notices, and other informative notices to help Crand Technologies serve you better.

TRACKING & COOKIES DATA

When you use our platforms, we use cookies, which are small pieces of information that allow us to maintain your connection to our platforms. We use cookies to help us provide you with a personalized service and to help make our platforms better for you.

Our cookies may be session cookies (temporary cookies that identify and track users within our platforms which are deleted when you close your browser or leave your session) or persistent cookies (cookies which enable our platforms to “remember” who you are and to remember your preferences within our platforms.

DATA PROTECTION POLICY

Crand Technologies' data protection policy refers to our commitment to treat information of employees, customers, stakeholders and other interested parties with the utmost care and confidentiality. With this policy, we ensure that your information is treated with utmost confidence and shall not be divulged to any third party except under legal and/or regulatory conditions.

Despite our best efforts and intentions, we acknowledge that security cannot be absolutely guaranteed against all threat actors. Hence, we also make reasonable efforts to retain personal information only for so long:

as the data subject asks that the information be deleted.

as may be necessary to comply with legal, regulatory, internal business or policy requirements.

If you wish to exercise any of your rights set out above, please contact us at compliance@crandtech.com where we are unsure of your identity, we might ask you for proof of your identity for security reasons, before dealing with your request. Where a third party exercises any of these rights on your behalf, we would need sufficient proof that you have authorised them to act on your behalf.

10. DISCLOSING YOUR PERSONAL INFORMATION

We may disclose or share your Personal Information with third parties as may be reasonably necessary for the purposes set out in this Notice.

We share Personal Information with external third parties in the following limited circumstances:

We provide such information to our subsidiaries or affiliated entities for the purpose of processing Personal Information on our behalf. We require that these parties agree to process such information based on our instructions, implement appropriate confidentiality and security measures and comply with the Data Protection Legislation.
We share your data with our third-party providers or service providers, financial partners or suppliers for the purpose of effectively providing our Services to you. These services include identity verification and fraud prevention, customer service and support, analytics, payment facilitation by our banking and financial service partners including the card networks, communication service providers and information technology services etc.
We may share your Personal Information to comply with a subpoena, court order, summons, police or other law enforcement agencies, regulatory requests (which may be outside your country of residence) or as required by law.;
We may share your Personal Information where disclosure is reasonably necessary to:

Satisfy any applicable law, regulation, legal process or enforceable governmental request;
Detect or prevent fraud including investigation of potential violations to our Terms of Service;
detect, prevent, or otherwise address security or technical issues, or
protect against imminent harm to the rights, property or safety of Crand Technologies Limited, its users or the public as required or permitted by law.

We have your consent. In some instances, we may provide a service through a third party, which would require us to share your Personal Information to third parties authorised by you to receive such Information The use of your Personal Information by an authorised third party is subject to the third party's Privacy Notice and Crand Technologies Limited shall bear no liability for any breach which may arise from such authorization by you.
If Crand Technologies Limited becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we may share your Personal Information with parties involved in the transaction and any entity that acquires our business will continue to process your Personal Information in line with this Privacy Notice, or a revised version that we will communicate to you.

11. DATA SECURITY AND RETENTION

The security of your Personal Information is important to Crand Technologies Limited. We are committed to protecting the information we collect. We maintain administrative, technical and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorised access, risk of loss, disclosure, copying, misuse or modification.

Other security measures include, but are not limited to, secure servers, firewalls, data encryption and granting access only to specific employees in order to fulfil their job responsibilities.

When you use any of your Accounts, we implore you to always use strong passwords (a combination of letters, numbers, upper and lower cases and special characters), enable two-factor authentication on your Accounts, ensure you do not share your password with anyone, and that your login credentials are kept confidential at all times.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of your Personal Information is protected and maintained. We would take all reasonable steps to ensure that your Personal Information is secured and well protected.

We will only retain Personal Information on our servers for as long as is reasonably necessary as long as we are providing Services to you. If you close your Account, your data is stored on our servers to the extent necessary to comply with regulatory and Anti-Money Laundering obligations and for the purpose of fraud monitoring, detection and prevention. Where we retain your Personal Information, we do so in compliance with limitation periods or retention obligations imposed by applicable law.

12. COOKIES

Like many other websites, we use cookies to distinguish you from other users, to measure your engagement with our website and to customize and improve our Services. Depending on how you manage your cookies settings and preferences, we may place cookies on your device when you visit our website. We will only place advertising and analytics cookies if you consent or accept these cookies. Some browsers may automatically accept cookies, while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable non-essential cookies, it may limit your ability to get a full experience of our website. For detailed information on the cookies and how we use them see our Cookie Notice

13. MARKETING

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine customers’ information with information collected from other companies and use it to improve and personalize Interswitch Services, content, and advertising.

We have also included the opportunity for customers who had initially subscribed to receive notifications or information about their activities in relation to the use of Interswitch’s service to unsubscribe or request to be removed from applicable databases.

14. RESTRICTED ACCESS

Access to certain areas of this website is restricted. Crand Technologies Limited reserves the right to restrict access to certain areas of this website, or at our discretion, this entire website.

Crand Technologies Limited may change or modify this policy without notice. If Crand Technologies Limited provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential. You alone are responsible for your password and user ID security. Crand Technologies Limited may disable your user ID and password at its sole discretion without notice or explanation.

15. NO WARRANTIES

This website is provided “as is” without any representations or warranties, express or implied. Crand Technologies Limited makes no representations or warranties in relation to this website or the information and materials provided on this website. Without prejudice to the generality of the foregoing paragraph, Crand Technologies Limited does not warrant that this website will be constantly available, or available at all; or the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.

16. LIMITATIONS OF LIABILITIES

Crand Technologies Limited will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

to the extent that the website is provided free-of-charge, for any direct loss; for any indirect, special or consequential loss; or for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if Crand Technologies Limited has been expressly advised of the potential loss.

17. EXCEPTIONS

Nothing in this website disclaimer will exclude or limit any warranty implied by law and which is unlawful to exclude or limit; and nothing in this website disclaimer will exclude or limit the liability of Crand Technologies Limited in respect of any: death or personal injury caused by the negligence of Crand Technologies Limited or its agents, employees or shareholders/owners; fraud or fraudulent misrepresentation on the part of Crand Technologies Limited; or matter which it would be illegal or unlawful for Crand Technologies Limited to exclude or limit, or to attempt or purport to exclude or limit, its liability.

18. UNENFORCEABLE PROVISION

If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.

19. DO NOT TRACK REQUESTS

When you visit our website, your browser may have the option to send a "Do Not Track" request, which is a request to prevent websites from sending cookies or other trackers to your device. However, please be aware that websites are not obligated to respond to such requests or modify their operations accordingly.

Our website is currently not set up to recognize "Do Not Track" requests. As a result, if we receive such requests from your browser, we will not treat you differently, and we may not comply with the "Do Not Track" settings on your browser. It's important to note that there is no consistent industry standard for how websites should respond to "Do Not Track" requests.

20. MINORS

Crand Technologies services and applications are not directed at persons under the age of eighteen (18), and we do not collect any Personal Information knowingly or directly from individuals who fall within this category.

Where you have any belief that Crand Technologies has mistakenly or unknowingly collected information from a minor, please contact us to enable us to investigate and restrict such data collection.

21. GRIEVANCE POLICY

Crand Technologies Limited believes in providing excellent service and strives to be sincere and transparent in its approach to customer service. Your confidence in us is of paramount importance and we would never place our personal growth before your interest.

This policy aims to minimize instances of customer complaints, grievances and disputes through a channelized approach of review and redress. Your feedback will help us in identifying shortcomings in our product features and service delivery. Your satisfaction is our main objective in our quest to build a healthy customer relationship and deliver excellent service.

Crand Technologies limited has developed a procedure for prompt attention to the grievances of its customers with respect to various issues by setting up a “customer support” and “a dispute resolution mechanism”.

The following are the foundational principles of this policy:

22. TRANSPARENCY.

Prompt, courteous and timeous response to all queries, enquiries, and complaints.

Constantly developing new and smarter mechanisms to receive and address customer grievances.

The details of the dispute resolution mechanism are placed in the domain of public knowledge.

A dispute may occur as a result of several reasons such as service expectations and service delivery or technical or non-technical errors in the system or due to human inadvertence or error.

Crand Technologies limited provides a user-friendly platform to all its customers to file a complaint/ share feedback if they are disappointed by the services rendered. Customers can give their complaint/ feedback by sending an email to our customer support team.

If the user’s grievances are not addressed within the stipulated time frame, or if the user is not completely satisfied with the solution provided by Crand Technologies Limited, then they can approach our dispute resolution system with their complaints.

EXPERTISE OF STAFF IN HANDLING COMPLAINTS

Our staff undergo regular training to ensure that consumers' queries and grievances are handled properly.

They are trained to work in a manner that enhances consumer trust and confidence in us. Our objective to achieve maximum customer satisfaction can be witnessed in both the operations as well as in customer communications.

We analyze consumer queries and complaints and ensure the removal of such complaints from the root. This helps in improving the overall quality of the service levels gradually.

INTRODUCTION TO OUR DISPUTE RESOLUTION SYSTEM

To make Dtunes dispute resolution system more meaningful and effective, a structured system has been put in place. This system will ensure that the complaints are redressed seamlessly and well within the stipulated time frame.

How to reach our support desk:

For Payment or Related Issues

Step 1

Email Support : compliance@crandtech.com

Reach us by phone on +2348113372579

Step 2

If the resolution you received does not meet your expectations, please write to us: Admin@crandtech.com For Legal, Compliance or Related Issues

For all communication, It is also recommended that the customer provides a complaint reference number provided by our customer care team in all further communication with us regarding a particular issue. This enables us to get more details about the customer and the query quickly and helps in resolving the query faster.

Crand Technologies Limited has appointed a Data Protection Officer (DPO) responsible for overseeing compliance with the Data Protection Legislation. To exercise your rights or if you have any inquiries, comments or concerns with our privacy practices, please contact us at compliance@crandtech.com We will investigate and work on resolutions for your concerns within forty-five (45) days and/or in accordance with the Data Protection Legislation.

Where we require more time to resolve your inquiry, we would communicate with you. We may request additional details from you regarding your inquiries and keep records of your requests and resolution.

If you feel that we have not addressed your questions or concerns adequately, you may contact the Information Office here

Updated July 2025

Privacy Policy

Customers

Company

Help

Contact