Privacy Policy
Effective date: 28 July 2026
TenkiPay provides wallet, payment, collection, ticketing, remittance, business-finance, and agent-network services. This policy explains the personal data TenkiPay processes when you use its websites, applications, APIs, and assisted services.
Data We Process
Depending on the service and your role, TenkiPay may process:
- Account and contact data, including name, telephone number, email address, and account identifiers.
- Identity and compliance data required for KYC, AML, sanctions screening, transaction monitoring, disputes, and regulatory reporting.
- Financial and transaction data, including wallet balances, payment references, beneficiaries, fees, commissions, settlement records, and reconciliation records.
- Business and agent data, including business registration details, outlet details, operating district, service permissions, and approval records.
- Device, security, and technical data, including app version, session identifiers, IP address, security events, and diagnostics.
- Support communications and documents you choose to provide.
Precise Location
The TenkiPay Agent app requests foreground precise location only when an authorized agent selects Capture accurate outlet pin. The app samples location for a short period, submits the best available coordinates with the reported accuracy and capture time, then stops. TenkiPay uses this evidence to review an agent outlet, publish a verified map pin, support navigation, and reduce location fraud.
The Agent app does not request background location for this feature. A captured pin is not published as verified until TenkiPay Finance reviews it. Mocked, stale, or low-confidence fixes are rejected.
On the public agent directory, Use my precise location is optional. The browser uses the location to centre the map and show nearby verified outlets. The precise customer position is not submitted as an agent-location record.
Why We Process Data
TenkiPay processes data to:
- Create and protect accounts.
- Execute, settle, reconcile, reverse, and evidence financial transactions.
- Verify identity and meet legal, licensing, KYC, AML, sanctions, fraud, and reporting obligations.
- Operate business, developer, ticketing, remittance, and agent services.
- Prevent abuse, investigate incidents, resolve disputes, and provide support.
- Maintain service availability, auditability, and security.
Sharing
TenkiPay may share the minimum necessary data with regulated financial institutions, mobile-money providers, government payment channels, identity or compliance providers, infrastructure providers, auditors, professional advisers, and authorities where permitted or required by law. TenkiPay does not sell personal data or use it for cross-app advertising.
Retention
Records are retained according to applicable financial-services, AML, tax, dispute, audit, security, and legal requirements. Data that is not subject to a required retention period is deleted or anonymised when it is no longer needed.
Security
TenkiPay uses role-based access, encrypted transport, protected mobile credentials, transaction idempotency, strong authentication for sensitive operations, audit logging, monitoring, and controlled approval workflows. No system is risk-free; suspected account compromise should be reported immediately.
Your Choices and Rights
You may request access, correction, export, restriction, or deletion review where applicable. Some wallet, transaction, KYC, security, or regulatory records cannot be deleted immediately because TenkiPay must retain them by law. Device permissions can be changed in operating-system or browser settings.
Contact
Privacy and account requests: support@tenkipay.com
TenkiPay may update this policy when services, laws, or processing practices change. Material changes will be communicated through an appropriate TenkiPay channel.