Hybrid Money supplied by Cluster Holdings S.A

This Privacy Policy is meant to help you understand what information we collect, why we collect it and how you can update, manage, and delete your information.

Information we collect

When you create a Hybrid Account, you provide us with personal information that includes your name, email and a password. You can also choose to add a phone number and other details when you are signed in.

Why we collect data

We use your information to deliver our services, such as processing a cash deposit / withdrawal or helping you share your account number to receive payment from third parties.

Reporting & improve our services

We also use your information to ensure that our services are working as intended, such as tracking transactions and trial balancing. And we use your information to make improvements to our services – for example, reset lost passwords, reversal transactions and to manage multiple queries.

Sharing your information
You can share you account number with third parties for transactional purposes. We can also share your information with gouvernement agencies upon request.

Keeping your information secure
We build security into our services to protect your information.

We work hard to protect you from unauthorised access, alteration, disclosure or destruction of information we hold, including:
We use encryption to keep your data private while in transit.
We offer a range of security features, like login, screen lock,notifications, in-app transaction details... to protect you & protect your account
We review our information collection, storage and processing practices, including physical security measures, to prevent unauthorised access to our systems
We restrict access to personal information to our employees, dealerships and agents who need that information in order to process it.

Anyone with this access is subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

Data retention and deletion

Retaining your information
We retain the data that we collect for different periods of time depending on what it is:

We keep transaction details for three months and account details for six months before your account turns inactive.

To delete your information, you can:

Stop using your account for a period of six months. The status of your account will turn to inactive and will be archieved for any future claims.

You can permanently delete your account details by contacting our support services on condition that your account has no transaction(s).