Privacy Policy
CRUST DEW LIMITED is a duly registered company operating in Nigeria. The company provides digital financial services in accordance with applicable Nigerian laws and regulations and operates under the oversight of the Federal Competition & Consumer Protection Commission (FCCPC). CrustCash is a mobile application developed and operated by CRUST DEW LIMITED to deliver these services to eligible users.
CRUST DEW LIMITED is committed to complying with the Nigeria Data Protection Regulation (NDPR) and applicable international privacy standards. CrustCash (the “App”) and its related services are developed, owned, and operated by CRUST DEW LIMITED to provide eligible users with lawful, transparent, and responsible access to digital financial and loan-related services.
Protecting your privacy and safeguarding your personal information are fundamental to our operations.
1. Introduction
This Privacy Policy explains how CRUST DEW LIMITED (“we”, “our”, or “us”) collects, uses, stores, and discloses your personal information when you use our mobile application, official website, and related services (collectively, the “Services”).
By downloading, installing, registering for, or using our Services, you confirm that you have read and understood this Privacy Policy and agree to the collection and use of your information as described herein. If you do not agree with this Policy, please discontinue use of the Services.
2. Definitions
For the purposes of this Privacy Policy:
Account – A user profile created to access the Services.
Application – The mobile application operated by CRUST DEW LIMITED.
Cookies – Small data files stored on your device to improve functionality and user experience.
Country – Nigeria.
Device – Any mobile phone, tablet, or electronic device used to access the Services.
Personal Data – Any information relating to an identified or identifiable individual.
Service Provider – A third party engaged to process data on our behalf.
Usage Data – Information collected automatically through your interaction with the Services.
Website – Official website of CRUST DEW LIMITED:
https://www.crustcash.store/
You / User – Any individual or legal entity using the Services.
3. Information We Collect
3.1 Personal Data
When you use our Services, we may collect personal information necessary to provide digital financial services, including:
Full name
Email address
Mobile phone number
Date of birth
Gender
Residential address (state, city, postal code)
Bank Verification Number (BVN), where required by law
Photographs used for identity verification
Emergency contact information
Bank card or repayment-related information
We collect only data that is relevant, adequate, and limited to what is necessary for the stated purposes.
3.2 Usage Data
We may automatically collect certain technical and usage-related information, including:
IP address
Device identifiers and device model
Operating system and system version
App usage activity, such as access times, pages viewed, and feature interactions
This information is used solely to operate, maintain, improve, and secure the Services.
3.3 App Permissions
To ensure proper functionality, the App may request access to certain device features:
Location
Used to verify service availability and regulatory compliance within Nigeria. Location data is not used for continuous tracking.
Calendar / Reminders
Used to help you manage loan repayment schedules and receive due-date reminders.
Advertising Identifier (IDFA)
Used to support app analytics and performance optimization in compliance with Apple’s App Tracking Transparency (ATT) framework.
You may manage or revoke these permissions at any time through your device settings. Some features may not function properly if required permissions are disabled.
4. How We Use Your Information
We use your information for the following purposes:
To provide, operate, and maintain the Services
To create and manage your Account
To verify your identity and assess loan applications
To communicate with you regarding your account, repayments, and service updates
To send reminders, notifications, and important service-related messages
To prevent fraud, unauthorized access, and security risks
To comply with legal and regulatory obligations under Nigerian law
To improve service quality and user experience
We do not sell or rent your Personal Data.
5. Data Sharing
Your Personal Data may be shared only under the following circumstances:
With Service Providers assisting with technical operations, analytics, messaging, or infrastructure
With regulatory authorities or government agencies, when required by Nigerian law
With affiliated entities of CRUST DEW LIMITED for internal operational purposes
With other third parties, only where you have provided explicit consent
All third parties are required to process Personal Data in accordance with applicable data protection laws.
6. Data Retention
We retain your Personal Data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal, regulatory, or contractual obligations. When data is no longer required, it will be securely deleted or anonymized.
7. International Data Transfers
Your information may be stored or processed outside Nigeria through secure cloud infrastructure. In such cases, appropriate safeguards are implemented to ensure your data is protected in accordance with the NDPR and applicable international standards.
8. Data Security
We implement reasonable administrative, technical, and organizational measures to protect your Personal Data against unauthorized access, loss, misuse, or disclosure. While we strive to safeguard your information, no system or method of transmission is completely secure, and absolute security cannot be guaranteed.
9. Children’s Privacy
The Services are intended for individuals aged 18 years and above. We do not knowingly collect Personal Data from minors. If we become aware that data belonging to a minor has been collected, we will take appropriate steps to delete such information promptly.
10. Your Rights Under Nigerian Law
In accordance with the Nigeria Data Protection Regulation (NDPR), you have the right to:
Request access to your Personal Data
Request correction of inaccurate or incomplete data
Request deletion of your data, subject to legal and regulatory requirements
Withdraw consent where processing is based on consent
Object to certain forms of data processing, including direct marketing
Requests may be submitted using the contact details provided below.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements or our data practices. Updated versions will be made available within the App and on our Website. Continued use of the Services after such changes constitutes acceptance of the revised Privacy Policy.
12. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us:
Company Name: CRUST DEW LIMITED
Website: https://www.crustcash.store/
D-U-N-S Number: 982850271
Address: 6–8 Ogunnisi Road, Omole, Lagos, Nigeria
Email: contact@crustcash.store
Phone: +234 7046543930