Privacy Policy

The Privacy Policy below governs your account and any information you provide on CremePastels  Website.

 A. Overview

 B. Information We Collect

 C. Our Use and Disclosure of Information

 D. Information Security

 E. Accessing and Changing Your Information

 F. Contacting Us


A. Overview

In order to offer some of CremePastels Online's services and reduce fraud, CremePastels ("CremePastels " or "we") may ask you to provide us information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information. CremePastels  takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the CremePastels Website, whether CremePastels  (or its subsidiaries or its affiliates) offers the services.

By accepting the Privacy Policy and Terms of Use in registration, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy is incorporated into and subject to the terms of the CremePastels Website  Terms of Use.

Your personal information will be stored and processed on our computers in the United States. The laws on holding personal data in the United States may be less stringent than the laws of your country, but CremePastels  will hold and transmit your personal information in a safe, confidential and secure environment. If you object to your personal information being transferred or used as described in this Privacy Policy, please do not register for the CremePastels  service.

Notification of Changes

This policy may be revised over time as new features are added to the CremePastels  service or as we incorporate suggestions from our customers. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy (if you have closed your CremePastels  account, you will not be contacted to notify you of the amended Policy and your personal information will not be used or disclosed in this new manner).

We will post the amended Privacy Policy prominently on our Website so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the CremePastels  Website at at any time for the most current version of our Privacy Policy.


Pages on the CremePastels  Website may include links to third party Websites. CremePastels  is not responsible for their operations, including but not limited to their information practices. Their privacy statements govern those sites. Users submitting information to or through these third party Websites should review the privacy statement of these sites before providing them with personally identifiable information.


B. Information We Collect

Required Information

To open a CremePastels  account, you must provide your name, company name (if any), address, phone number, home page (if any), and e-mail address. In order to make payments through CremePastels Nigeria, you must provide credit card, debit card or bank account information. We may also ask you to choose different security questions to answer. This required information may be necessary for us to process transactions, issue a new password if you forget or lose your password, protect you against credit card fraud and checking account fraud, and to contact you should the need arise in administering your account.


Transaction Information

When you use CremePastels  to Purchase our products or services on behalf of Third parties or as gifts to them, we ask you to provide information related to each transaction, including the address of Third parties and their e-mail addresses. We retain this information for each of your transactions through CremePastels Nigeria. We also collect the Internet address (IP address) of the computer or device you use to access your CremePastels  account, in order to help detect possible instances of unauthorized transactions.


Website Traffic Information

Because of the way that Internet communication standards work, when you arrive at or leave the CremePastels  Website, we automatically receive the Internet address of the site that you came from or are going to. We also collect information on which pages of our Website you visit while you are on the CremePastels  site, the type of browser you use and the times you access our Website. We may use this information only to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our service and your experience with CremePastels Nigeria. We do not track the Websites that you visit before or after you leave the CremePastels  site.


Our Use of "Cookies"

"Cookies" are small files of data that reside on your computer and allow us to recognize you as a CremePastels  customer if you return to the CremePastels  site using the same computer and browser. We send a "session cookie" to your computer if and when you log in to your account by entering your e-mail address and password. These cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your CremePastels  account. In addition, we use cookies to process our referral program, described in Section C below. We may share cookie information regarding whether or not a certain user is already registered with CremePastels  with certain merchants with whom we have an official co-marketing relationship.


Customer Service Correspondence

If you send us correspondence, we may retain such information in the records of your account. We may also retain customer service correspondence and other correspondence from CremePastels  to you. We may retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our Terms of Use. We may, over time, delete these records if permitted by law.


Questionnaires, Surveys and Profile Data

From time to time, we may offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.


C. Our Use and Disclosure of Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services and process your transactions, to provide customer service, to determine your eligibility to receive offers for special features or products, and to improve our products and services. At your option (as indicated in your user settings), we use the information you provide to access specific third party services on your behalf and perform the actions that you request us to perform.

We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.

Disclosure to Third Parties Other Than Customers

CremePastels  will not sell or rent any of your personally identifiable information to third parties. CremePastels  will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and to other customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared. We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See "Information About You From Third Parties" in Section B above. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.

We disclose the information we collect, as described in Section B above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. These companies may be subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified CremePastels Nigeria-related products or services, unless you have affirmatively agreed or given your prior permission for other uses.

We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our Terms of Use. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information (but not bank account or credit card information) to victims who request it.

We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.

If a user signs up for a co-branded version of CremePastels  through links on our co-branded partner's Website, CremePastels  will share with the co-branded partner that user's name, e-mail address and physical address in order to provide enhanced integration between CremePastels Nigeria's services and the services of our co-branded partner. If a user does not want his or her information shared with CremePastels Nigeria's co-branded partner, he or she should not use this aspect of the site.

We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

We share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in Nigeria. However, this aggregated information is not tied to personally identifiable information.

As with any other business, it is possible that CremePastels  in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by CremePastels Nigeria, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended as described in Section A above.

We share your information with our parent, subsidiaries and joint ventures to help coordinate the services we provide to you, enforce our terms and conditions, and promote trust and safety.

Our Contacts with Customers

We communicate with users on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions. We use your e-mail address to confirm your opening of a CremePastels  account, to send you notice of payments that you send or receive through CremePastels  (including referral payments described below), to send information about important changes to our products and services, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional.

We also may use your e-mail address to send you other types of communications that you can control, including tips, newsletters, customer surveys and notice of special third-party promotions. You can choose whether to receive some, all or none of these communications when you complete the registration process, or at any time thereafter, by logging in to your account on the CremePastels  Website and changing your user preferences. You can also change your choices at any time through the same procedure.

In connection with independent audits of our financial statements and operations, auditors may seek to contact a sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes.

Internet Address Information

We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.


D. Information Security

 We handle your customer information with high standards of information security. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

The security of your account also relies on your protection of your password. You should not share your password with anyone. We representatives will never ask you for your password, so any e-mail or other communication requesting your password should be treated as unauthorized and suspicious. If you do share your password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at CremePastels  and changing your user settings, and also contact us right away as described in Section F below.

E. Accessing and Changing Your Information

 You can review the personal information you provided us and make any desired changes to such information, or to the settings for your account, at any time by logging in to your account on the CremePastels  Website and changing your user preferences. You can also close your account through the CremePastels  Website. If you close your account, we will mark your account in our database as "CLOSED" but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.


F. Contacting Us

 If you have any questions about this privacy statements please use any of our contact modules to Contact Us directly.