Legal
Privacy Policy
Last updated September 10, 2026
This Privacy Policy explains how Sendchrono ("Sendchrono", "we", "us", "our") collects, uses, stores, shares and protects your information when you use our website, mobile app and money-transfer, consultation and cargo services (together, the "Services"). By using the Services you agree to this Policy. If you do not agree, please do not use the Services.
1. Who we are
Sendchrono provides cross-border money transfers between Nigeria (NGN) and Cameroon / CEMAC (XAF), along with related consultation and cargo services. We are the controller responsible for your personal data. You can reach us at help@sendchrono.com.
2. Information we collect
We collect only what we need to operate a safe, regulated financial service:
- Account & identity data: your name, email address, phone number, country, password (stored only as a secure one-way hash), and — for identity verification (KYC) — your government ID document, a selfie/liveness check, and the results returned by our verification provider.
- Financial & transaction data: the amount and currency you send, our fee and exchange rate, your recipient's name and their bank account or Mobile Money number, payment references, proof-of-payment screenshots you upload, and the status and history of each transfer.
- Payment-instrument data: when you pay through a gateway, the payment is processed by our licensed partners. We do not store your full card number, card CVV, bank password or Mobile Money PIN — those are entered with the payment provider, not with us.
- Service-specific data: for consultations, your booking details and topic; for cargo, the cargo details, pickup/delivery locations, sender and receiver contacts, and any photo you provide.
- Technical data: device information, IP address, app/browser type, and basic usage logs used for security, fraud prevention and debugging.
3. How we use your information
- To create and manage your account and authenticate you (including two-factor authentication where enabled).
- To process, deliver and settle your transfers, bookings and cargo requests.
- To verify your identity and meet our Know-Your-Customer (KYC) and Anti-Money-Laundering (AML) obligations.
- To detect, prevent and investigate fraud, abuse and unauthorised activity.
- To provide customer support: authorised staff may access your account and transaction data, including viewing your account as you see it, to diagnose issues and resolve your requests. Every such access is recorded in our audit log.
- To send you service messages (e.g. transfer confirmations, verification results) and, where you opt in, product updates.
- To comply with applicable laws, regulators and lawful requests.
4. How we protect your financial data
Protecting your money and your data is central to how we operate:
- Encryption in transit: all traffic between your device and our servers is encrypted using HTTPS/TLS.
- Tokenised payments: card and wallet credentials are handled by our PCI-DSS-compliant payment partners. We never see or store your full card number, CVV, bank password or Mobile Money PIN.
- Hashed passwords: account passwords are stored only as salted one-way hashes and can never be read by us.
- Access controls: access to customer and financial records is restricted to authorised staff on a need-to-know basis, protected by authentication and logged in a tamper-evident audit trail.
- Database safeguards: financial records are stored on secured servers with restricted access; sensitive verification documents are kept only as long as needed for compliance.
- Fraud controls: duplicate-reference checks, transaction limits, and database locking to prevent double-processing of payments.
No method of transmission or storage is 100% secure, but we maintain administrative, technical and physical safeguards designed to protect your information and we review them regularly.
5. When we share information
We do not sell your personal data. We share it only as needed to run the Services:
- Payment & payout partners (e.g. licensed gateways, banks and Mobile Money operators) to collect funds and pay your recipient.
- Identity-verification providers to confirm your identity for KYC.
- Communication providers (email and SMS) to send you confirmations and one-time codes.
- Regulators, law enforcement and authorities where required by law or to prevent fraud and financial crime.
- Professional advisers and service providers who support our operations under confidentiality obligations.
6. Data retention
We keep your personal and financial records for as long as your account is active and for the period required by anti-money-laundering and other financial regulations after your last transaction (typically several years), after which we securely delete or anonymise it. Verification documents are retained only as long as needed to meet our compliance obligations.
7. Your rights
Subject to applicable law and our regulatory duties, you may request to access, correct or delete your personal data, object to or restrict certain processing, and withdraw consent to optional communications. Some data must be retained to meet legal and AML obligations even if you close your account. To exercise any right, email help@sendchrono.com.
8. Children
The Services are intended for adults (18+). We do not knowingly collect data from children. If you believe a child has used the Services, contact us and we will remove the data.
9. International transfers
Because we move money between countries, some data is processed in Nigeria, Cameroon and the locations of our partners. Where data crosses borders, we take steps to ensure it remains protected consistent with this Policy.
10. Changes to this Policy
We may update this Policy from time to time. The "Last updated" date above shows when it last changed, and significant changes will be communicated through the Services.
11. Contact us
Questions about this Policy or your data? Email help@sendchrono.com or write to us through the Sendchrono app or website at sendchrono.com.