📋 Table of Contents
1. Introduction
Welcome to RakaPay ("we," "us," "our," or "Company"). We are committed to protecting your privacy and ensuring you have a positive experience on our platform. This Privacy Policy explains our practices regarding data collection, usage, and protection.
By using RakaPay (web, mobile app, or any related services), you acknowledge that you have read and agreed to this Privacy Policy.
2. Information We Collect
2.1 Personal Information
When you register or use RakaPay, we may collect:
- Full name and email address
- Phone number
- Physical address
- Date of birth
- Government-issued ID (for verification purposes)
- Financial information (payment methods, transaction history)
- Profile information and preferences
2.2 Automatically Collected Information
We automatically collect certain information when you use RakaPay:
- IP address and device identifiers
- Device type, operating system, and browser information
- Location data (with your permission)
- Clicks, pages viewed, and interaction logs
- Session duration and frequency of use
- Transaction timestamps and amounts
2.3 Payment & Financial Information
Payment information is collected by our payment processors (Stripe, BitriPay, Maxicash). We do NOT directly store full credit card details. Payment data is encrypted and handled according to PCI-DSS compliance standards.
3. How We Use Your Information
We use your information for:
- Processing payments and financial transactions
- Creating and maintaining your account
- Verifying your identity and preventing fraud
- Sending transactional emails (receipts, confirmations)
- Improving our services and user experience
- Analyzing usage patterns and performance
- Complying with legal obligations
- Responding to customer support inquiries
- Sending promotional communications (with your consent)
- Investigating disputes and resolving issues
4. Data Protection & Security
4.1 Security Measures
We implement industry-standard security measures to protect your data:
- Encryption: Data in transit is encrypted using SSL/TLS protocols
- Firewalls: Multiple layers of firewall protection
- Access Control: Role-based access to sensitive data
- Regular Audits: Periodic security assessments and penetration testing
- Secure Servers: Hosted on secure, compliant cloud infrastructure (Firebase/Google Cloud)
- Data Backup: Regular automated backups with encryption
4.2 Limitations
5. Third-Party Services
5.1 Payment Processors
We partner with:
- Stripe - Credit card processing
- BitriPay - Alternative payment processing
- Maxicash - Mobile money solutions
5.2 Cloud Infrastructure
Your data is hosted on:
- Google Cloud Platform / Firebase - Database and authentication services
- Cloud Storage - File storage for tickets, receipts, and documents
5.3 Analytics & Monitoring
We may use:
- Firebase Analytics for usage insights
- Error tracking and monitoring tools
6. Your Rights
6.1 Access & Portability
You have the right to:
- Access your personal data held by RakaPay
- Receive your data in a portable, machine-readable format
- Understand how your data is being processed
6.2 Correction & Deletion
You can:
- Request correction of inaccurate or incomplete data
- Request deletion of your account and associated data
- Opt-out of marketing communications at any time
6.3 Exercising Your Rights
To exercise any of these rights, please contact us at: privacy@rakapay.com
7. Data Retention
We retain your data for the following periods:
- Active Accounts: Data retained while your account is active
- After Deletion: Most data deleted within 30 days of account deletion
- Financial Records: Retained for 7 years for tax and legal compliance
- Logs & Analytics: Retained for up to 13 months for security purposes
- Legal Holds: Data may be retained if required by law or legal proceedings
8. Cookies & Tracking Technologies
RakaPay uses cookies and similar tracking technologies to:
- Remember your login session
- Store user preferences
- Analyze usage patterns
- Prevent fraud and ensure security
You can manage cookie preferences in your browser settings. Disabling cookies may affect your ability to use certain features of RakaPay.
9. Contact Us
Get In Touch
If you have questions about this Privacy Policy or our data practices, please contact us:
10. Policy Changes
We may update this Privacy Policy from time to time. Changes will be effective when posted on this page with an updated "Last Modified" date. Your continued use of RakaPay after changes constitutes your acceptance of the updated Privacy Policy.
11. Legal Compliance
RakaPay complies with applicable data protection laws including:
- General Data Protection Regulation (GDPR) - for EU residents
- Data Protection Act - for UK residents
- Kenya Data Protection Act - for Kenya
- Tanzania Data Protection Laws
- Uganda Data Protection Laws
- Other applicable local and international regulations
Effective Date: May 20, 2026
This policy applies to all RakaPay platforms (iOS, Android, Web, Desktop)