Privacy Policy

We respect your privacy and treat your personal information as confidential. Our Privacy Notice explains how we use, collect and share your personal information.

1. Our commitment

This notice is important to us. We are committed to taking steps to protect your privacy when you use our websites (www.usekayko.com and www.kayko.rw) or use our Apps (collectively the "App") and implementing business practices that comply with all relevant legislation, including the law Nº058/2021 of 13/10/2021 relating to the protection of personal data and privacy ("DPO") and the EU General Data Protection Regulation ("GDPR"). In this policy, we explain how we will use and protect your personal information.

2. What is personal information?

If we refer to "personal information" or "information" in this policy, we mean personal information as defined in DPO. It includes, for example, your full name, surname, email address, identity number, contact details, and location.

3. Information we collect about you

We generally collect, store and use the following information:

• Your first name(s), surname, address, phone numbers, e-mail address
• IP address or cookie information
• Location information
• Demographic information including your age and gender
• Information from your browser including your hardware model, operating system version, unique device identifiers
• Details of your transactions when you use our services

4. Sources of information we collect about you

We collect information about you from the following categories of sources:

• You directly, when you sign up to become a Kayko merchant
• Your devices (e.g. computers, mobile phones and tablets) when you interact with our App
• Other sources, including online advertising and third party analytics companies
• Third party service providers that provide services to us
• Publicly available sources

5. How we use your information

We use your information to provide our services to you and generally for purposes of our relationship. In some instances, we collect and store information about your location. We convert your IP address or mobile GPS data into a rough geo-location. We may use location information to improve and personalize our services for you.

6. Purposes of Processing Personal Information

We will only process adequate and relevant information to:

• Provide services set out in our agreement with you
• Operate and manage your merchant account
• Monitor and analyze our business
• Contact you about our products and services (with opt-out option)
• Form a view of you as an individual and identify products that may interest you
• Carry out market research, business and statistical analysis
• Perform administrative and operational tasks
• Comply with our regulatory obligations

7. Quality and access to your information

We want to ensure that your information is accurate and up to date. You may ask us to correct or remove any information that you think is inaccurate, by sending an email to privacy@kayko.rw

8. Right to object

You may, on reasonable grounds, object to us using your information directly to us. If you object, we will stop using your information, except if the law allows its use.

9. Lodging a complaint

If you believe we are using your information unlawfully, you may lodge a complaint with the Data Protection Office. Contact details of the information regulator are available online through: https://dpo.gov.rw

10. Children's information and special personal information

We do not intentionally collect or use information of children (persons under the age of 18 years) unless with consent of a competent person (someone like the parent or guardian) or if the law otherwise allows or requires us to process such information.

11. Sharing of personal information

We respect your privacy and we hate spam as much as you do. We will keep your personal information confidential and only share it with others in terms of this policy, or if you consent to it, or if the law requires us to share it.

12. How secure is your information?

We are committed to implementing appropriate technical and other security measures to protect the integrity and confidentiality of your information through bank level security software, firewalls, data encryption, and physical/electronic access controls.

13. Retention of information

We retain information in accordance with the required retention periods by law or for legitimate business purposes. We may keep information indefinitely in a de-identified format for statistical purposes.