Nkata Privacy Policy

Privacy Policy for Nkata

Effective Date: May 5th, 2025

Welcome to Nkata. Your privacy is important to us.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Nkata mobile application (“App”), a product developed to provide loyalty rewards to users who bank with Point-of-Sale (POS) agents onboarded to our platform.

By using our App, you agree to the practices described in this policy.

1. Information We Collect

We collect the following types of information:

a. Personal Information

  • Full Name
  • Phone Number
  • Email Address (if provided)
  • Bank Transaction Metadata (such as timestamps, amounts, and agent ID—not account numbers or PINs)

    • b. Device Information

  • Device type and operating system
  • App version and usage logs
  • IP address (for security and analytics)

    • c. Location Data

    With user consent, we may collect location data to:

  • Match users with nearby participating POS agents
  • Enhance fraud detection and compliance

    • 2. How We Use Your Information

    We use your data to:

  • Track your transactions with participating POS agents
  • Allocate and manage loyalty points
  • Communicate important updates and reward status
  • Improve app performance and user experience
  • Detect, prevent, and investigate fraud or misuse
  • Enable eventual cash-out features or other future services

    • 3. Sharing of Information

    We do not sell your data. However, we may share your data with:

  • Partner POS Agents: to verify your transaction eligibility
  • Payment processors or financial partners: for point-to-cash conversions in the future
  • Third-party service providers: who help us with analytics, hosting, and customer support
  • Law enforcement or regulatory bodies: if required by applicable law

    • 4. Data Retention

    We retain your data only as long as necessary to fulfill the purposes stated in this policy, unless a longer retention period is required by law. If you request deletion of your account, we will erase your data within 30 days, unless legally required to keep it.

    5. Your Rights

    Depending on your jurisdiction, you may have the right to:

  • Access the personal data we hold about you
  • Request correction or deletion of your data
  • Object to or restrict processing
  • Withdraw consent at any time (e.g., for location tracking)
  • Complain with a data protection authority

    • To exercise any of these rights, email us at [insert contact email].

    6. Security of Your Information

    We use technical and organizational safeguards to protect your data, including:

  • End-to-end encryption for sensitive data
  • Secure authentication and session management
  • Regular audits and vulnerability scans

    • However, no digital platform can be 100% secure, and users are advised to keep their login credentials safe.

    7. Children’s Privacy

    Nkata is not intended for individuals under the age of 18. We do not knowingly collect data from minors. If you are a parent or guardian and believe we have collected data from a child, please contact us for prompt deletion.

    8. Changes to This Privacy Policy

    We may update this Privacy Policy from time to time. When we do, we will notify users through the app or via email. Continued use of the App after changes constitutes your consent to the new terms.

    9. Contact Us

    If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

    Nkata Privacy Office

    Email: support@nkataweb.com