Privacy Policy

1. Introduction

Welcome to Naa Sika. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial services through Telegram, WhatsApp, USSD, or our website.

By using our services, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We may collect the following personal information:

• Name and contact information (phone number, email address)
• Identification documents (as required by regulatory compliance)
• Financial information (account details, transaction history)
• Device information (phone number, device type, operating system)
• Usage data (how you interact with our services)

2.2 Automatically Collected Information

When you use our services, we automatically collect:

• Chat logs and conversation history
• Transaction records and timestamps
• IP address and location data (for security purposes)
• Device identifiers and technical information

3. How We Use Your Information

We use the collected information for the following purposes:

• To provide and maintain our financial services
• To process transactions and manage your account
• To comply with legal and regulatory requirements
• To detect and prevent fraud, money laundering, and other illegal activities
• To improve our services and develop new features
• To communicate with you about your account and our services
• To provide customer support and respond to inquiries

4. Data Security

We implement industry-standard security measures to protect your personal information:

• End-to-end encryption for sensitive communications
• Secure servers and databases with restricted access
• Regular security audits and assessments
• Multi-factor authentication for account access
• Compliance with financial industry security standards

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

5. Data Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With trusted third-party service providers who assist in operating our services
• Legal Requirements: When required by law, court order, or regulatory authority
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

We do not sell your personal information to third parties for marketing purposes.

6. Your Rights

You have the following rights regarding your personal information:

• Access: Request access to your personal data
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your data (subject to legal requirements)
• Data Portability: Request a copy of your data in a portable format
• Objection: Object to certain processing activities
• Withdrawal of Consent: Withdraw consent where processing is based on consent

To exercise these rights, please contact us using the information provided in the Contact section below.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained as required by applicable laws and regulations, typically for a minimum of 7 years.

8. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

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

10. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: