Introduction

Kiotapay ("us", "we", or "our") operates the Kiotapay website and mobile application (the "Service"). This Privacy Policy outlines how Kiotapay collects, uses, maintains, and discloses information collected from users ("User" or "you") of the Kiotapay website and mobile application. This Privacy Policy applies to the Service and all products and services offered by Kiotapay.

Information We Collect

1. Personal Data: We collect personal identification information, such as your name, email address, phone number, and other information provided by you when you register on our Service, subscribe to our newsletter, respond to a survey, fill out a form, or use certain features of the Service.
2. Financial Information: We collect information about your financial accounts, such as bank account numbers, credit/debit card details, and transaction history, to facilitate our spend management services.
3. Usage Information: We collect information about how you use our website and services, such as your IP address, browser type, and device information.

How We Use Your Information

1. Providing Our Services: We use your personal and financial information to provide and improve our spend management services, process transactions, and respond to your inquiries.
2. Improving Our Services: We use your usage information to analyze trends, administer the website, and improve our services.
3. Compliance and Legal Obligations: We use your information to comply with applicable laws and regulations, and to protect our rights and the rights of our customers.

How We Protect Your Information

1. Data Security: We implement industry-standard security measures, such as encryption and access controls, to protect your personal and financial information from unauthorized access, use, or disclosure in compliance with Office of the Data Protection Commissioner (ODPC).
2. Third-Party Service Providers: We may share your information with trusted third-party service providers who assist us in operating our business, but we require them to maintain the confidentiality and security of your information.
3. Data Retention: We will retain your information for as long as necessary to provide our services and to comply with our legal and regulatory obligations.

Your Rights and Choices

1. Access and Correction: You have the right to access, update, and correct your personal information.
2. Opt-Out: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the communication or by contacting us.
3. Data Deletion: You may request the deletion of your personal information, subject to certain exceptions.

Financial Data Processing and Protection

1. Data Processing Activities: Kiotapay processes financial data for purposes such as transaction processing, financial reporting, and compliance checks.
2. Sharing of Financial Information: Financial information may be shared with third parties, such as payment processors, financial institutions, or regulatory authorities, as necessary to facilitate transactions and comply with legal obligations.
3. Financial Data Storage: Kiotapay securely stores financial data using encryption methods, data backups, and access controls to prevent unauthorized access or disclosure.
4. Compliance with Financial Regulations: Kiotapay is committed to compliance with relevant financial regulations, such as anti-money laundering (AML) and know your customer (KYC) requirements, to ensure the integrity of financial transactions.
5. Financial Data Retention: Financial data is retained for specified purposes and durations in accordance with legal and regulatory requirements.
6. User Consent for Financial Processing: By using our Service, you consent to the processing of your financial information for the specified purposes outlined in this Privacy Policy.
7. Updates to Financial Practices: Users will be informed of any material changes to financial processing practices through updates to this Privacy Policy, and they may review and accept updated terms accordingly.
8. Dispute Resolution: Users can address disputes related to financial transactions or data handling by contacting our customer support team or relevant regulatory authorities.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by posting the updated policy on our website.

Contact Us

If you have any questions or concerns about our Privacy Policy or our data practices, please contact us at info@kiotapay.com or +254745861799.

Introduction

At Kiotapay, we are committed to protecting the privacy and security of our users' personal information. This Deletion Policy outlines the procedures for deleting user data from our mobile application.

User Data Deletion

1. User-Initiated Deletion: Users have the right to request the deletion of their personal data from our mobile application. Upon receiving a deletion request, we will promptly remove the user's data from our active systems and databases. We will also ensure that any backups or archived copies of the user's data are securely deleted or anonymized within a reasonable timeframe.
2. Automatic Deletion: If a user has been inactive on our mobile application for an extended period, as defined in our data retention policy, we may automatically delete their account and associated data. Prior to the automatic deletion, we will provide the user with a notification and the opportunity to opt-out of the deletion or request an extension.
3. Compliance-Driven Deletion: We may be required to delete user data in certain circumstances, such as to comply with legal or regulatory requirements, or to respond to a valid court order or subpoena. In such cases, we will delete the user data as soon as practicable and in accordance with applicable laws and regulations.

Data Retention

1. Data Retention Period: We will retain user data for as long as necessary to provide our services, comply with legal obligations, and protect our legitimate business interests. The specific data retention period will be defined in our data retention policy and may vary depending on the type of data and the purpose for which it is collected.
2. Deletion of Inactive Accounts: If a user has been inactive on our mobile application for 12 months, we may automatically delete their account and associated data. Prior to the automatic deletion, we will provide the user with a notification and the opportunity to opt-out of the deletion or request an extension.

User Rights and Requests

1. User Requests: Users have the right to request the deletion of their personal data from our mobile application. Users can submit deletion requests by contacting our customer support team at info@kiotapay.com or through the in-app settings.
2. Response Time: We will respond to user deletion requests within 3 business days. We will provide the user with a confirmation of the deletion or an explanation of why the request cannot be fulfilled.
3. Exceptions: In some cases, we may be unable to delete certain data due to legal, regulatory, or other legitimate business requirements. If we are unable to fulfill a user's deletion request, we will explain the reasons and provide the user with alternative options, such as data anonymization or restricted access.

Changes to the Deletion Policy

We may update this Deletion Policy from time to time to reflect changes in our practices or applicable laws. We will notify users of any material changes by posting the updated policy on our website and within the mobile application.

Contact Us

If you have any questions or concerns about our Deletion Policy or the deletion of your personal data, please contact us at info@kiotapay.com or +254745861799