Privacy Commitment & Scope of this Policy
At SkillToCash Technologies Ltd. ("SkillToCash", "we", "us", or "our"), we place the highest priority on safeguarding the personal privacy, financial confidentiality, and data sovereignty of our registered members, customers, and website visitors.
This Privacy Policy sets forth our comprehensive protocols regarding the collection, storage, encryption, processing, and disclosure of personal identifiable information (PII) obtained through the SkillToCash website (https://skilltoocash.com), mobile portals, marketplace, digital wallet systems, and affiliate tracking networks.
Categories of Information We Collect
We gather information directly provided by you during registration, checkout, financial funding, or interaction with our customer service channels:
| Data Category | Specific Elements Collected | Purpose & Lawful Basis |
|---|---|---|
| Identity & Contact | Full Legal Name, Email Address, Verified Mobile Telephone Number, Delivery Shipping Address. | Account creation, multi-factor verification, order fulfillment, customer support. |
| Affiliate Genealogy | Sponsor Identifier, Direct Referral Links, 10-Tier Team Network Hierarchy. | Transparent multi-generation commission allocation and sales attribution. |
| Financial Records | Wallet Balances, Add Money transaction IDs, Cashout MFS numbers (bKash/Nagad), Ledger Logs. | Settlement execution, anti-fraud auditing, regulatory financial compliance. |
| Security Credentials | Hashed Login Passwords (Bcrypt), Salted Transaction Security PINs (Never stored in plaintext). | Authentication authorization and payment confirmation shield. |
| Technical Telemetry | IP Address, Device OS & Browser Fingerprint, Session Timestamps, Login Geo-estimates. | Preventing bot intrusions, detecting account hijacking, session persistence. |
Mobile Number As Referral Code: Full Transparency
SkillToCash features a customer-centric referral architecture where your verified mobile telephone number automatically serves as your unique Referral / Sponsor Code.
- When your prospective referees register using your link, your verified mobile number is identified to confirm sponsorship.
- In the member dashboard team view, referee contact records are partially masked by default (e.g.
01712****89) to safeguard individual privacy while confirming team genealogy. - Your transaction PIN, personal balance, and private account password are never exposed or accessible to any sponsor or team member.
How We Utilize Your Information
SkillToCash utilizes gathered information strictly for legitimate commercial, operational, and regulatory purposes, including:
- Order Processing & Logistics: Verifying order details, transmitting dispatch notices, coordinating doorstep delivery with certified courier partners, and processing warranty returns.
- Digital Wallet Settlement: Managing your Main Balance, Commission earnings, and Cashback pools; validating Add Money gateway tokens; and executing cashouts.
- 10-Level Affiliate Calculation: Accurately tracking team commerce across 10 generations and crediting commission incentives in real-time.
- Security & Anti-Fraud: Monitoring unauthorized login attempts, detecting multiple fraudulent signups, and maintaining platform firewall defenses.
- Service Notifications: Sending automated transactional SMS or emails regarding order receipts, wallet cashout confirmations, and critical policy amendments.
Information Sharing & Accredited Third-Party Service Providers
To deliver seamless e-commerce, courier logistics, and digital settlements, SkillToCash shares necessary limited data with certified third-party partners bound by rigorous confidentiality agreements:
- Payment Gateways & Financial Operators: Accredited payment service providers (bKash, Nagad, Rocket, SSLCommerz, partner commercial banks) process funding and cashout operations under PCI-DSS compliant protocols.
- Logistics & Courier Networks: Courier delivery companies receive recipient name, delivery address, and contact number solely to complete shipping.
- Telecom API Aggregators: Telecommunications carriers receive the destination mobile phone number strictly to process requested airtime top-ups.
- Law Enforcement & Regulatory Authorities: We may disclose data if legally required by valid court subpoenas, judicial orders, or statutory regulatory mandates under the laws of Bangladesh.
Digital Wallet Encryption & Transaction PIN Security
Financial integrity is the foundation of the SkillToCash platform. We employ enterprise-grade defensive protocols to ensure that wallet assets remain invulnerable:
- End-to-End SSL/TLS Encryption: All data transmitted between your browser and our servers is secured via 256-bit Transport Layer Security (TLS 1.3).
- Irreversible Password & PIN Hashing: User account passwords and Transaction PINs are hashed using cryptographic one-way hashing algorithms (Bcrypt / Argon2). No SkillToCash administrator or employee can view your plaintext PIN.
- Immutable Ledger Audit Logs: Every wallet credit, debit, transfer, and recharge generates a cryptographically stamped ledger entry with unique reference IDs (e.g.
TXN-XXXXXXXX).
Cookies, Local Storage & Session Technologies
SkillToCash uses essential HTTP session cookies, CSRF validation tokens, and local cache storage to maintain authenticated user sessions, retain shopping cart selections, and provide enhanced responsive styling.
You may configure your browser to decline non-essential cookies. However, disabling essential session cookies will prevent login authentication and checkout functionality.
User Rights & Data Access Controls
SkillToCash recognizes your fundamental rights regarding personal data:
- Right to Access: You can review your account credentials, profile status, and transaction history at any time directly through your Member Dashboard.
- Right to Rectification: You may update erroneous contact details, delivery addresses, or profile data by submitting an update request.
- Right to Account Closure & Erasure: You may request account deactivation and personal data erasure, provided there are no unresolved financial disputes, pending orders, or statutory retention requirements.
Data Retention & Archival Policies
We retain personal data only for as long as your account remains active and necessary to fulfill the services outlined in this Policy. Financial transaction records and invoice receipts are archived for a mandatory statutory period (up to 5 years) to comply with taxation, commercial accounting, and anti-money laundering regulations in Bangladesh.
Protection of Children's Privacy
SkillToCash's services are not directed to individuals under the age of 18. We do not knowingly solicit or collect personal identification from minors. If we discover that a minor has registered an account without verified parental consent, we will promptly terminate the account and purge associated records.
Policy Modifications & Notification Protocols
SkillToCash periodically refines this Privacy Policy to reflect technical enhancements, security standard upgrades, or statutory legal developments. Substantial revisions will be announced via dashboard notifications, banner alerts, or email notices prior to their effective date.
Data Protection Officer & Privacy Inquiries
If you have questions, feedback, or data privacy requests concerning this Privacy Policy, please contact our designated Data Protection Officer:
- Office: Data Protection Officer (DPO), SkillToCash Technologies Ltd.
- Privacy Desk Email: [email protected]
- General Support Email: [email protected]
- Registered Address: Dhaka, Bangladesh
- Official Web Portal: https://skilltoocash.com