Last updated: June 1, 2026
1. Introduction
PayKunda ("we", "our", or "us") is committed to protecting the privacy of our users, partners and API consumers. This Privacy Policy describes how we collect, use, disclose and safeguard your information when you use our services, website, or API.
2. Information We Collect
Account Information
When you create an account or sign up for our API, we collect:
- Name, email address and contact information
- Company name and business registration details
- Billing information and payment method details
- Government-issued identification for KYC/AML compliance
Transaction Data
When you use our payment APIs, we process:
- Transaction amounts, currencies and recipient details
- Mobile money account numbers and bank account information
- Utility account numbers and payment references
- Transaction status and timestamps
Technical Data
We automatically collect:
- IP addresses and API request logs
- Browser type, device information and operating system
- Usage patterns and API call frequency
- Cookies and similar tracking technologies
3. How We Use Your Information
We use the information we collect to:
- Process payment transactions and utility payments
- Verify your identity and comply with KYC/AML regulations
- Provide customer support and respond to inquiries
- Detect and prevent fraud, money laundering and abuse
- Improve our services, API performance and user experience
- Send transactional notifications and service updates
- Comply with legal obligations and regulatory requirements
4. Data Sharing
We may share your information with:
- Payment Partners: Mobile money operators, banks and utility providers necessary to process your transactions
- Regulatory Bodies: Government and financial regulators as required by law
- Service Providers: Third-party vendors who assist with infrastructure, hosting and analytics
- Legal Requirements: When required by law, subpoena, or court order
We do not sell your personal information to third parties.
5. Data Security
We implement industry-standard security measures including:
- AES-256 encryption for data at rest
- TLS 1.3 encryption for data in transit
- SOC 2 Type II certified infrastructure
- Regular security audits and penetration testing
- Role-based access controls and multi-factor authentication
6. Data Retention
We retain your information for as long as your account is active or as needed to provide services. Transaction records are retained for a minimum of 7 years to comply with financial regulations. You may request deletion of your account data by contacting us.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
- Access and receive a copy of your personal data
- Correct inaccurate or incomplete information
- Request deletion of your personal data
- Object to or restrict processing of your data
- Data portability
- Withdraw consent at any time
8. International Data Transfers
As we operate across 40 countries, your data may be transferred to and processed in countries outside your jurisdiction. We ensure appropriate safeguards are in place for all international data transfers in compliance with applicable data protection laws.
9. Cookies
We use essential cookies to operate our website and optional analytics cookies to understand usage patterns. You can manage your cookie preferences through your browser settings.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last updated" date.
11. Contact Us
If you have questions about this Privacy Policy or our data practices, contact us at:
Email: privacy@paykunda.com
Address: PayKunda Ltd., Banjul, The Gambia