Privacy Policy

1. About this Privacy Policy

IKI values transparency and privacy. We are committed to maintaining the security of personal information and data (‘Personal Data’) provided to us.

Our Privacy Policy is intended to clearly explain what personal data we collect about you, how we collect your personal data, how we share your personal data, how we store your personal data, how we transfer your personal data and information about how we manage your personal data.

We adhere to the Kenyan Privacy and Data Protection principles contained in the Data Protection Act, CAP 411C and Computer Misuse and Cybercrimes Act, CAP 79C.

Our Third-Party Affiliates also comply with the Data Protection Laws within their jurisdiction.

If you do not agree with this Privacy Policy, please do not access or use our services and products. By using or accessing our services or products or providing us with Personal Data, you consent to the collection, use, disclosure and management of your Personal Data as contemplated by this Privacy Policy.

2. Information we collect about you

IKI collects information about you in three ways; when you provide it to us directly; when we gather information while you are using the Services; and when we collect information from other sources. The types of information we collect can vary depending on the service or product you are using or accessing.

Information You Provide

We collect information you provide when you use or access the Services or Products, including:

• Identification Information: e.g. name, identification number, National Identity Card Number, email address, phone number.
• Transaction Information: When you use our Services to make or record payments, or request delivery of an invoice from your Seller/Buyer, we collect information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.
• Tax Information: e.g. Tax Pin Number, tax status of a service or product.
• Other information you provide: Information that you voluntarily provide to us, including your survey responses, comment or feedback; promotions, or other forms or devices; suggestions for improvements; or any other actions performed on the Services.

Information IKI Collects from Your Use of our Services

IKI collects information about you and the devices you use to access the Services, such as your computer, mobile phone, or tablet. The information that we collect includes:

• Commercial Information: Information about the products and services you sell e.g., inventory, pricing and other data and other information.
• Location Information: The location of your device. You can disable collection of location information by changing the preferences on your mobile device.
• Customer or supplier Information: Information you provide to a Seller/Buyer using our Services, for example if you are a customer who provides a Seller/Buyer with your email address, phone number, payment information, or other information.
• Device information: Information about your device, including your hardware model, operating system and version, device name, unique device identifier, mobile network information, and information about the device’s interaction with our Service or product.
• Internet or other electronic network activity information: Web browser and device characteristics, information about how you use and interact with our services, includes your access time, "log-in" and "log-out" information, browser type and language, the domain name of your internet service provider, other attributes about your browser, any specific page you visit on our platform, content you view, features you use, the date and time of your use of the Services, your search terms, and the website you visited before you visited or used the Services.

Information IKI Collects from Other Sources

IKI collects information about you from other sources including:

• Information entered by another IKI account.
• Identity verification: Information from third parties and publicly available sources in order to verify your identity.
• Any information forwarded to us by a third party.

3. How IKI uses your Information and the legal basis for processing the Information

Use of Information	Legal Basis for Processing the Information
To provide our Services and Products and otherwise administer our business relationship with you.	Fulfil our contractual obligations towards you and comply with applicable laws.
To confirm your identity and verify your personal and contact details.	Fulfil our contractual obligations towards you and comply with applicable laws.
To keep record that transactions have been executed.	Fulfil our contractual obligations towards you and comply with applicable laws.
To comply with internal procedures.	Fulfil our contractual obligations towards you and comply with applicable laws.
To establish, exercise or defend a legal claim or collection procedures.	Fulfil our contractual obligations towards you and comply with applicable laws.
For customer analysis, to administer our services, and for internal operations, including troubleshooting, data analysis, testing, research and statistical purposes.	Fulfil our contractual obligations towards you and to pursue our legitimate interests.
To prevent misuse of IKI services as part of our efforts to keep our services safe and secure.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.
To carry out risk analysis, fraud prevention and risk management.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.
To improve our services and for general business development purposes, such as improving applicability models in order to e.g. develop new products, services and features and explore new business opportunities.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.
Marketing, service and product and customer analysis. This processing forms the basis for marketing, process and system development, including testing. This is to improve our product range and to optimize our end user offering.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.
To communicate with you in relation to our services.	Fulfil our contractual obligations towards you and to pursue our legitimate interests.
Enforcing our Terms of Service or other applicable agreements or policies.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.
For any other reason we may tell you about from time to time.	Fulfil our contractual obligations towards you, comply with applicable laws and pursue our legitimate interests.

4. Disclosure of Personal Information to Third Parties

We take great measures to protect your personal information. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.

We may share personal information with the following categories of service providers and third parties:

• With other IKI users with whom you interact with.
• Service support partners: who help us to provide, maintain, and improve our Services, including service providers who access information about you to perform services on our behalf (e.g., vendors who help us with identity verification and fee collection services).
• Third Party Analytics Services: who will help us with our online services e.g. web beacons, and web server logs to help us analyse how you use our online services.
• Online Tracking and Interest-Based Advertising: consistent with local law, we share your information with advertising partners for interest-based advertising or “targeted advertising” campaigns, and with advertising partners that help analyse our site, run contests, special offers, or other events or activities, and track metrics on our behalf, on behalf of your IKI Account, or in connection with our Services.
• Partners: we may share minimal personal information (such as your business name) with potential partners who may be able to provide a complementary or related service for your business. We may also share personal information with partners if we believe the disclosure is reasonably necessary to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.
• To a subsequent owner, co-owner, or operator of one or more services or any corporate merger, consolidation or restructuring; or other corporate change.
• Compliance with the law: any disclosure that is required to comply with any applicable law, regulation, legal process or government request.
• With others with your consent: e.g. when you authorize a third party application or website to access your information.

5. Cookies and other similar technologies

Digital cookies and similar technologies help us make our services better to use by doing things like recognizing when you’ve signed in, analysing how you use our services so we can make them more useful to you, giving you a more personalized experience.

By using IKI you accept the use of cookies from our website. You can delete specific cookies at any time or disable the possibility for IKI to save cookies in your web browser.

Disabling cookies in your browser is easy and only takes a couple of minutes. Below you'll find links to guides for the most common browsers:

• Chrome
• Safari
• Firefox

6. How long we keep your information

We keep your information as long as is necessary for the purposes identified in this Privacy Notice, including to provide you the Services, to comply with applicable law and legal obligations, to defend our legal rights, property, and users. We may keep copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with certain criteria, such as applicable law, applicable statute of limitations, or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Terms and Conditions or other applicable agreements or policies, or to take any other actions consistent with applicable law.

7. Your Rights in Connection to your personal data

IKI believes that you have the right to be informed about certain details on the processing of your personal data, right to receive a copy of certain details of your personal data and right to object to our processing of your personal data.

8. Deactivating Your Account

If you wish to deactivate your account, you can do so by logging into your IKI account or by emailing us using the contact details provided below.

9. Storage and processing

We may, depending on the location of our third party service providers, move your data and process it outside the country where you operate.

10. Changes to this Privacy Notice

We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. If you disagree with these changes, you may stop using our Services at any time. Your continued use of our Services constitutes your consent to any amendment of this Privacy Notice.