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Cookie policy

How Cashwise Finance uses cookies and similar technologies on its website for visitors in Nigeria, and the choices you have.

Last updated 4 November 2026

Version 1.0

For visitors to www.cashwise.com/ng

Cookies at a glance

We use a small number of cookies and similar tools for Nigerian users of Cashwise Finance.

Necessary tools keep the Website secure and working. They do not need your selection.

Everything else runs only if you choose Accept. You can choose Reject and still use the Website.

We do not use advertising cookies on the Website.

You can change your mind at any time through Cookie Settings at the bottom of each page.

01About this policy

1.1

This policy explains how Cashwise Inc., a Delaware company trading as Cashwise Finance (Cashwise Finance, we or us), uses cookies and similar technologies on www.ng.cashwise.finance and on pages of www.cashwise.finance shown to Nigerian users (the Website). Cashwise Inc. is the organisation responsible for the use of these tools.

1.2

We apply the Nigeria Data Protection Act 2023 and GAID 2025 to this processing because the Website is directed at people in Nigeria.

1.3

This policy does not cover the Cashwise Finance app, addressed in Clause 15 of our Privacy Policy. It also does not cover Cashwise Microfinance Bank Limited, a separate company with its own policies, or Orbit by Cashwise.

1.4

Please read this policy with our Privacy Policy, which explains more about how we handle personal data.

02What cookies and similar technologies are

Cookie	CookieA small text file a website places on your device so it can recognise the device or remember information.
First-party and third-party	First-party and third-partyFirst-party tools are set by the website you are visiting. Third-party tools are set or served by another organisation.
Session and persistent	Session and persistentSession tools end when you close your browser or tab. Persistent tools stay until they expire or you delete them.
Local and session storage	Local and session storageBrowser features that store information on your device, much like cookies.
Third-party tools	Third-party toolsWhen a page asks another organisation's server for a service, such as a font or a location lookup, that organisation receives your IP address and basic browser details.

In this policy, cookies include all of these tools where they work similarly.

03How we use them

Strictly necessary

Always on

Enables core functions such as security, network stability, accessibility, and protecting forms from abuse, and remembers your cookie choice. These tools do not process sensitive or financial data.

Functional

Only if you accept

Remembers your region and finds your approximate location, so the Nigerian version of the Website is shown.

Analytics

Only if you accept

Helps us understand how visitors use the Website and which content is useful so that we can improve it.

Advertising

Not used

We do not use advertising or cross-site marketing cookies on the Website. If this changes, we will update this policy and ask for your consent first.

We do not use cookies on the Website to make decisions about your account, or to collect your PIN, OTP, card details or wallet balance.

04Your choices

4.1

Cookie banner. On your first visit, a banner asks you to Accept or Reject cookies that are not strictly necessary. You do not need to scroll to see it. Non-essential tools do not run unless you choose Accept.

4.2

No penalty for rejecting. If you choose Reject, you can still use the Website, although some features may be less convenient. For example, you may need to select your region yourself.

4.3

Changing your mind. Select Cookie Settings at the bottom of any page. Withdrawing consent is as easy as giving it, and we stop the relevant tools from then on. This does not affect anything done lawfully before you withdrew.

4.4

Your browser. Most browsers let you view, block or delete cookies and stored data through their settings or privacy menu. Blocking strictly necessary cookies may stop parts of the Website from working. If you delete our cookies, you will see the banner again.

4.5

Asking us. You can also contact our Data Protection Officer using the details in Section 10.

05The cookies we use

This schedule lists the tools in use at the date of this policy. We review it at least once a year and whenever the Website changes materially.

NAME	TYPE	PROVIDER	PURPOSE	DURATION	CATEGORY
ck	Local storage	Cashwise Finance	Remembers your Accept or Reject choice, so we do not ask on every visit	12 months	Necessary
Google reCAPTCHA	Third-party request and cookies	Google	Protects contact forms from automated abuse. Google receives your IP address and browser details.	Per Google's terms	Necessary
country	Local storage	Cashwise Finance	Remembers your region so the correct version of the Website is shown	Until you clear it	Functional
IP lookup: api64.ipify.org and ipinfo.io	Third-party requests	ipify; IPinfo	Finds your approximate region from your IP address	Each lookup	Functional
_ga	Analytics cookie	Google	Distinguishes users for Google Analytics. It is set on the cashwise.finance domain so that it can be read across our pages	Up to 2 years	Analytics
_ga_X2NDFK04LM and _ga_JMYFN1012S	Analytics cookie	Google	Persist session state for Google Analytics	Up to 2 years	Analytics

NAME	ck
TYPE	Local storage
PROVIDER	Cashwise Finance
PURPOSE	Remembers your Accept or Reject choice, so we do not ask on every visit
DURATION	12 months
CATEGORY	Necessary

NAME	Google reCAPTCHA
TYPE	Third-party request and cookies
PROVIDER	Google
PURPOSE	Protects contact forms from automated abuse. Google receives your IP address and browser details.
DURATION	Per Google's terms
CATEGORY	Necessary

NAME	country
TYPE	Local storage
PROVIDER	Cashwise Finance
PURPOSE	Remembers your region so the correct version of the Website is shown
DURATION	Until you clear it
CATEGORY	Functional

NAME	IP lookup: api64.ipify.org and ipinfo.io
TYPE	Third-party requests
PROVIDER	ipify; IPinfo
PURPOSE	Finds your approximate region from your IP address
DURATION	Each lookup
CATEGORY	Functional

NAME	_ga
TYPE	Analytics cookie
PROVIDER	Google
PURPOSE	Distinguishes users for Google Analytics. It is set on the cashwise.finance domain so that it can be read across our pages
DURATION	Up to 2 years
CATEGORY	Analytics

NAME	_ga_X2NDFK04LM and _ga_JMYFN1012S
TYPE	Analytics cookie
PROVIDER	Google
PURPOSE	Persist session state for Google Analytics
DURATION	Up to 2 years
CATEGORY	Analytics

06Third parties and transfers

6.1

The third parties named in Section 5 may process your IP address and browser details under their own terms. Please review their privacy notices for more information.

6.2

Cashwise Inc. and these providers process data outside Nigeria, including in the United States. Clause 14 of our Privacy Policy explains these transfers, the risks and the grounds we rely on.

6.3

The Website links to external services, such as social media platforms, app stores and WhatsApp. Those services set their own cookies once you visit them, and we do not control them.

07Legal basis and retention

7.1

We rely on your consent for functional and analytics tools, as the Nigeria Data Protection Act 2023 (NDPA) and the General Application and Implementation Directive 2025 (GAID) require. For strictly necessary tools, we rely on our legitimate interests in keeping the Website secure and working.

7.2

We keep tool data only for the durations in Section 5. We keep a record of your cookie choice for up to three years so that we can show we obtained consent, unless the law requires longer.

08Your rights

8.1

Under the NDPA, and subject to its limits, you may ask for access to, correction or erasure of your personal data, restrict or object to its processing, and withdraw consent at any time.

8.2

You may also complain to the Nigeria Data Protection Commission (info@ndpc.gov.ng; ndpc.gov.ng). Using our contact route first is welcome but not required.

09Children and changes

9.1

The Website is not directed at children under 18. Clause 13 of our Privacy Policy explains our position on children's data.

9.2

We may update this policy when our tools or the law change. The date at the top of this page shows the latest version. If a change materially affects your choices, we will show the banner again and ask for your consent.

10Contact us

Data Protection Officer	Data Protection Officercompliance@cashwise.finance
Customer support	Customer supportsupport@cashwise.finance
Address	AddressCashwise Inc., 251 Little Falls Drive, Wilmington, New Castle County, Delaware 19808, USA

This policy explains how cookies are used. It does not limit any right you have under the law.