This Privacy Policy explains how ikofi platform collects, uses, and protects your personal information. We are committed to ensuring your privacy and protecting your data in compliance with applicable laws and regulations.

Our services are not intended for children under the age of 13 years old. We do not knowingly collect, maintain, or use personal information from children under 13 years of age. If you are a parent or guardian and discover that your child under 13 has created an account or provided us with personal information, please contact us immediately at team@ikofi.app so we can delete the information and terminate the account. Users between 13 and 18 years old may only use our services with parental or guardian consent and supervision. We reserve the right to verify age and guardian consent through appropriate documentation.

We collect personal information such as your name, email address, phone number, and identification details when you register for our service. We also collect transaction data, device information (including IP address, browser type, and operating system), location data (with your consent), and usage information to provide and improve our services. For age verification purposes, we may collect date of birth and, where necessary, guardian contact information.

We use your information to provide our digital wallet services, process transactions, verify your identity and age, communicate with you about our services, and comply with legal obligations. We may also use anonymized data for analytical purposes to improve our platform. For users under 18, we may use provided information to verify parental consent and ensure compliance with age restrictions.

We implement robust security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. This includes encryption, access controls, regular security audits, and special protections for minor users' data. We maintain enhanced security protocols for accounts belonging to users under 18.

We may share your information with third-party service providers who assist us in operating our platform. We only share information necessary for these purposes and ensure that these parties adhere to strict confidentiality obligations. For minor users, we limit data sharing to what is strictly necessary for service operation and legal compliance.

Parents or legal guardians of users under 18 have the right to review their child's personal information, request its deletion, and manage their child's account settings. We provide additional controls and notifications for accounts belonging to minors. Contact our support team to exercise these parental rights.

You have the right to access, correct, or delete your personal information. You may also have the right to data portability and to restrict or object to certain processing activities. For users under 18, these rights may be exercised by a parent or legal guardian. Contact us to exercise these rights.

We use cookies and similar tracking technologies to enhance your experience on our platform. You can manage your cookie preferences through your browser settings. For users under 18, we implement restricted tracking measures and collect only essential cookies.

We retain personal information only for as long as necessary to provide our services and comply with legal obligations. For accounts belonging to minors, we maintain stricter retention policies and delete information promptly upon request from a parent or guardian.

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our platform or by other means of communication.

When you request account deletion, we implement the following data management procedures: 1. Personal Information: • Your personal data will be anonymized within 30 days of your request • This includes your name, email, and other identifying information 2. Transaction Records: • Will be retained in anonymized form to maintain financial system integrity • This retention is necessary as transactions involve multiple parties 3. Phone Number Management: • Your phone number will be stored in a secure blocklist for 90 days • This temporary retention is necessary to: - Ensure platform security - Maintain database integrity - Prevent system abuse - Protect user data 4. Data Security: • All retained data is protected by our standard security measures • Anonymized data cannot be used to identify you To request account deletion, contact us at team@ikofi.app

Our privacy practices comply with applicable Rwandan laws and regulations, including data protection laws and regulations regarding services to minors. We are regulated by the National Bank of Rwanda (BNR) and adhere to their guidelines regarding data privacy and protection in financial services.

If you have any questions or concerns about this Privacy Policy, our data practices, or matters relating to children's privacy, please contact our Data Protection Officer at team@ikofi.app