Privacy Policy

Your privacy is important to us.
Last updated: 1 November 2026

1. Introduction

Snap Pay Solutions ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share and protect your information when you use our website, mobile application and services (together, our "Services").

By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

2.1 Personal Information

We collect the following personal information when you register for and use our Services:

  • Full name (first name and last name)
  • Email address
  • Phone number
  • Date of birth
  • Home address
  • Profile image
  • Business name (for agent and merchant accounts)
  • Country of residence
2.2 Identity Verification (KYC) Information

To comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations, we may collect:

  • Government-issued identification documents (front and back images)
  • Identity verification status
2.3 Device Permissions

Our mobile application may request access to the following device features. Each permission is requested only when you start the action that needs it, and you can refuse or withdraw it in your phone's settings.

  • Camera: to capture your profile photo and to photograph the front and back of your government-issued identification document.
  • Photo Library / Gallery: to let you select an existing photo for your profile image or to upload previously saved identification documents.
  • Contacts (optional): to let you pick a recipient's phone number from your contacts instead of typing it. Only the number you choose is used for the transaction; we do not upload or store your contact list.
  • Fingerprint or Face ID (optional): to let you sign in with your fingerprint or face instead of your password. Your fingerprint and face data never leave your phone and are never sent to us; your phone only confirms that it is you. We store a protected key for that phone, which you can remove at any time in your profile.
  • Notifications: to send you transaction alerts and account messages.

Images captured or selected are securely uploaded to our servers and are used solely for the purposes described in this Privacy Policy.

2.4 Financial Information

When you use our money transfer services, we collect:

  • Mobile money account details (phone numbers linked to mobile money)
  • Transaction history and amounts
  • Mobile network provider information
  • Bank account details (where applicable)
2.5 Technical Information

We automatically collect certain information when you use our Services:

  • Device information and identifiers
  • IP address
  • Browser type and version
  • Operating system
  • Usage data and access times
  • App crash reports, used only to find and fix faults in the app

3. How We Use Your Information

We use the information we collect for the following purposes:

  • Providing Services: to process money transfers, manage your account, and deliver the services you request.
  • Identity Verification: to verify your identity and comply with KYC/AML regulations.
  • Security: to protect your account, detect fraud, and prevent unauthorized access.
  • Communication: to send you transaction notifications, OTP codes, account alerts, and service updates.
  • Customer Support: to respond to your enquiries and resolve issues.
  • Improvement: to improve our Services, develop new features, and enhance user experience.
  • Legal Compliance: to comply with applicable laws, regulations, and legal processes.

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information with:

  • Payment Partners: mobile money providers (M-Pesa/Safaricom, Airtel Money, MTN Mobile Money), banks and other licensed payment partners, to process transactions.
  • Service Providers: third-party companies that assist us in operating our Services, such as hosting providers, email and notification services, and app crash reporting.
  • Regulatory Authorities: government or regulatory bodies when required by law or to comply with legal obligations.
  • Transaction Recipients: limited information shared with recipients to complete money transfers (e.g., sender name).

5. Data Security

We implement appropriate technical and organisational measures to protect your personal information, including:

  • Encryption of sensitive data in transit and at rest
  • Secure password hashing using industry-standard algorithms
  • Two-factor authentication (OTP verification) for account access
  • Account lockout mechanisms after multiple failed login attempts
  • Regular security assessments and monitoring
  • Restricted access to personal data on a need-to-know basis

While we strive to protect your personal information, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with our Services. We may also retain certain information as required by law, to resolve disputes, enforce our agreements, or for legitimate business purposes.

Transaction records are retained in accordance with applicable financial regulations and record-keeping requirements.

7. Your Rights

You have the following rights regarding your personal information:

  • Access: you can request a copy of the personal information we hold about you.
  • Correction: you can update or correct your personal information through your account profile.
  • Deletion: you can request deletion of your personal information, subject to legal retention requirements.
  • Objection: you can object to certain processing of your personal information.
  • Portability: you can request your data in a portable format.

To exercise any of these rights, please contact us at support@snapcashpay.com.

Deleting your account

You can delete your account in the app under Profile → Delete account, or by submitting a request at snapcashpay.com/delete-account. When your account is deleted we remove or anonymise your personal information, except records we must keep by law (for example transaction records required by financial regulations), which are kept only for the period the law requires.

8. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience, analyse site traffic, and personalise content. You can manage your cookie preferences through your browser settings.

9. 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 we become aware that a child under 18 has provided us with personal information, we will take steps to delete such information.

10. International Data Transfers

As a cross-border money transfer service, your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place for such transfers in compliance with applicable data protection laws.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the updated policy on our website and updating the "Last updated" date. Your continued use of our Services after any changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Snap Pay Solutions
support@snapcashpay.com
www.snapcashpay.com