Privacy Policy

1. Introduction

KikaPay ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our invoice financing services and website.

2. Information We Collect

We collect information that you provide directly to us, including:

• Business name and registration details
• Contact information (phone number, email address)
• Financial documents (invoices, contracts, purchase orders)
• Bank account information for fund disbursement
• Government-issued identification documents

3. How We Use Your Information

We use the information we collect to:

• Process your invoice financing applications
• Verify document authenticity using AI technology
• Assess credit risk and make financing decisions
• Disburse funds and process payments
• Communicate with you about your account
• Comply with legal and regulatory requirements
• Improve our services and user experience

4. AI Document Processing

We use artificial intelligence (Google Gemini) to analyze documents you submit. This includes extracting information such as amounts, dates, and party names. Our AI helps expedite the approval process but human review is conducted for all financing decisions. Document images are processed securely and are not shared with third parties except as necessary for verification.

5. Information Sharing

We may share your information with:

• Payment processors and banking partners
• Credit reference agencies
• Legal and regulatory authorities when required by law
• Third-party service providers who assist our operations

We do not sell your personal information to third parties.

6. Data Security

We implement appropriate technical and organizational measures to protect your information against unauthorized access, alteration, disclosure, or destruction. This includes encryption of data in transit and at rest, secure server infrastructure, and regular security audits.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Financial records are retained for a minimum of 7 years in accordance with Tanzanian financial regulations.

8. Your Rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications

9. Cookies and Tracking

We use cookies and similar technologies to improve your experience on our website, analyze usage patterns, and provide personalized content. You can control cookie preferences through your browser settings.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

• Email: support@kikapay.co
• Phone: +255 651 059 040
• Address: Dar es Salaam, Tanzania