Privacy Policy

Sente Pay Solutions (“we,” “us,” “our”) is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, store, and share your information when you use our mobile application, backend system, and website (collectively, “the Services”). It also outlines your rights under the Data Protection and Privacy Act (2019) of Kenya and other applicable laws in the regions we operate. By using Sente Pay Solutions, you agree to the practices described in this Privacy Policy.

1. Information We Collect

a. Personal Information

Full name, date of birth, and gender.
Phone number and email address.
National Identification Number or other government-issued ID (for KYC).

b. Transaction Data

Payment details, amounts, timestamps, and transaction history.
Linked accounts (mobile money, bank, or telecom accounts).
Utility account details (meter numbers, customer IDs).

c. Technical Data

Device identifiers (IMEI, IP address, browser type).
Operating system, app version, and usage patterns.

d. Location Data

General location data (from IP address or mobile network) for fraud prevention.

e. Cookies & Website Data

When you use our website, cookies may collect information on pages visited, session times, and preferences.

2. How We Use Your Information

Process payments for airtime, data, utilities, and gift cards.
Verify identity and perform fraud detection.
Provide receipts, notifications, and transaction confirmations.
Improve our app, website, and backend system performance.
Provide customer support and respond to complaints.
Meet legal and regulatory obligations (e.g., AML, KYC).
Send marketing offers and promotions (with opt-out option).

3. Legal Basis for Processing

Consent (when you sign up or opt-in).
Contractual necessity (to provide payment services).
Legal obligation (compliance with financial regulations).
Legitimate interests (fraud prevention, business improvements).

4. Data Sharing and Disclosure

We do not sell or rent your information. We may share your data with:

Service Providers: Telecom companies, utility companies, and banking partners.
Technology Partners: Providers of hosting, cloud storage, and payment gateways.
Regulators & Authorities: As required by law or court order.
Affiliates and Subsidiaries: For internal operations and support.

5. Data Security

SSL/TLS encryption for all data in transit.
AES encryption for sensitive data at rest.
Multi-factor authentication for backend system access.
Regular system audits, penetration tests, and access logging.

6. Data Retention

We retain personal data as long as you maintain an account or as required by law. Transaction records may be kept for up to 7 years for regulatory compliance.

7. Your Rights

Under the Data Protection and Privacy Act, you have the right to:

Access your personal information.
Request corrections to inaccurate data.
Request deletion (subject to legal retention requirements).
Withdraw consent for non-essential processing.
Lodge a complaint with the regulator.

8. Children’s Privacy

Our Services are not intended for children under 18 years. We do not knowingly collect data from minors.

9. International Transfers

If we transfer your data outside Kenya, we ensure it is protected by appropriate safeguards (e.g., contracts or adequate jurisdiction).

10. Changes to This Policy

We may update this Privacy Policy periodically. Updates will be posted on our website and app. Continued use of our Services constitutes acceptance of the updated policy.

11. Contact Us

If you have questions, concerns, or complaints regarding privacy, please contact:

SentePay Customer Support

Email: info@sentepaysolutions.com

Phone: +254 114 33 0114 or +254 724 25 9785