Privacy and Deletion Policies

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.

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.

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.

Usage Information: We collect information about how you use our website and services, such as your IP address, browser type, and device information.

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.

Improving Our Services: We use your usage information to analyze trends, administer the website, and improve our services.

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.

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).

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.

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.

Access and Correction: You have the right to access, update, and correct your personal information.

Opt-Out: You can opt-out of receiving marketing communications from us by following the unsubscribe instructions in the communication or by contacting us.

Data Deletion: You may request the deletion of your personal information, subject to certain exceptions.

Data Processing Activities: Kiotapay processes financial data for purposes such as transaction processing, financial reporting, and compliance checks.

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.

Financial Data Storage: Kiotapay securely stores financial data using encryption methods, data backups, and access controls to prevent unauthorized access or disclosure.

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.

Financial Data Retention: Financial data is retained for specified purposes and durations in accordance with legal and regulatory requirements.

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.

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.

Dispute Resolution: Users can address disputes related to financial transactions or data handling by contacting our customer support team or relevant regulatory authorities.

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.

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