Welcome to Cikamo's Privacy Policy. We are Cikamo Limited, a company registered in Nigeria, operating the platform at https://cikamo.com. We care deeply about how your personal information is handled and are committed to protecting it with the highest level of care. By using Cikamo, you consent to the practices described in this policy.

1. Information We Collect

We collect personal information that is necessary to operate and improve the Cikamo platform. The types of information we may collect include:

• Account information: Username, display name, email address, and password
• Profile information: Profile photo, bio, and other information you choose to share publicly
• Identity verification (for creators and premium users): Government-issued ID (NIN, BVN, Driver's Licence) and a selfie for facial recognition comparison, collected solely for the purpose of verifying your identity
• Transaction and payment information: Payment agent details, transaction history, withdrawal records, and tax information
• Content you post: Posts, uploaded files, comments, forum contributions, and any other content you publish on the platform
• Communications: Messages you send to our support team, feedback submitted, and survey responses
• Technical and usage data: IP address, browser type, device information, pages visited, and time spent on the platform — collected via cookies and similar technologies
• Job applications: CV, cover letter, application form responses, and interview notes (where applicable)

2. How We Collect Information

We collect information in the following ways:

• Directly from you — when you register, complete forms, post content, make transactions, contact support, or apply for a job
• Automatically — through cookies, web beacons, and similar technologies as you use the platform (see our Cookies section below)
• From third parties — when you log in via Google, Facebook, or another third-party provider, we may receive your registration and profile information from that service as authorised by your privacy settings. We also receive financial and transaction data from our payment processors located in Nigeria, the UK, and the US

We will always inform you of the reason we are collecting your personal information at the point of collection.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain the Cikamo platform
• Process transactions and manage your account
• Verify your identity when required for account security or creator monetisation
• Respond to support requests, disputes, and complaints
• Send you operational updates, notifications about your account, and service announcements
• Improve the platform by analysing how users interact with it
• Detect, prevent, and address fraud, abuse, and security incidents
• Comply with legal obligations and respond to lawful requests from authorities
• Send you marketing communications about Cikamo features and offers (with your consent, and with an easy opt-out option in every message)
• Personalise your experience on the platform

4. How We Share Your Information

We do not sell your personal information. We share your data only in the following circumstances:

• Service providers: We use trusted third-party companies to help operate the platform — including payment processors, data analytics providers, and customer support tools. These providers have access to personal information only as needed to perform their services, and may not use it for other purposes.
• Marketplace transactions: When you buy or sell on the Cikamo Marketplace, relevant transaction information is shared with the other party to facilitate the transaction.
• Business transfers: If Cikamo is acquired or merges with another business, your information may be transferred as part of that transaction. We will notify you before this occurs.
• Legal compliance: We may disclose your information where required to comply with law, protect the rights and safety of Cikamo or other users, or respond to lawful requests from government authorities or courts.

In all other cases, we will notify you before sharing your personal information and give you the opportunity to opt out.

5. How We Protect Your Information

We take the security of your personal information seriously and implement appropriate technical and organisational safeguards, including:

• Encryption of data during transmission using industry-standard protocols
• Compliance with Payment Card Industry Data Security Standard (PCI DSS) for payment data
• Physical, electronic, and procedural access controls on systems that store personal data
• Identity verification before disclosing sensitive account information

While we do our best to protect your data, no method of transmission over the internet is 100% secure. We encourage you to use a strong, unique password for your Cikamo account and to sign out of shared devices after use.

6. Your Rights and Choices

You have the following rights with respect to your personal information:

If you are located in the European Economic Area (EEA), United Kingdom, or a similar jurisdiction, you may have additional rights under applicable data protection law. Cikamo acts as the data controller for your account data. Payment processing may involve PayPal (Braintree), which acts as an independent data controller — see braintreepayments.com for their privacy terms.

7. Cookies and Tracking

Cikamo uses cookies — small text files stored on your device — to remember your preferences, keep you logged in, and understand how visitors use the platform. Cookies help us customise your experience based on your browser type and usage patterns.

You can control or disable cookies through your browser settings. Note that disabling cookies may affect some features of the platform. For more detail on how we use cookies, see our separate Cookie Policy.

8. Children's Privacy

Cikamo does not knowingly collect personal information from children under the age of 14. The platform requires users to be at least 14 years old to register. If you believe your child has provided personal information on Cikamo without your consent, please contact us immediately and we will take prompt steps to remove that information from our records. We encourage parents and guardians to monitor their children's online activity.

9. Third-Party Policies

This Privacy Policy applies only to Cikamo's own platform and services. Our platform may contain links to third-party websites or display third-party advertisements. These third parties operate under their own privacy policies, which we encourage you to review. Cikamo is not responsible for the privacy practices of any third-party website or service.

Note on exchange rates: Cikamo's internal exchange rate for international transactions is fixed and differs from the global market rate. This rate is reviewed monthly and applies to all international bank transfers.

10. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the way we handle your personal information, please do not hesitate to reach out.