Privacy Policy

1. Introduction

Sikina Pay (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, store, and share your information when you use our payment gateway services, website (sikinapay.com), merchant dashboard, and APIs.

2. Information We Collect

We collect the following categories of information:

• Account Information: Business name, contact person name, email address, phone number, business registration details when you create a merchant account.
• Financial Information: Bank account details for settlement purposes, transaction records, payment volumes.
• Technical Information: IP address, browser type, device information, API usage logs, and session data when you access our dashboard or API.
• Customer Payment Information: When customers pay through our checkout, we process their payment method data (e.g., mobile money number, bank account details). This data is encrypted and not stored on merchant servers.

3. How We Use Your Information

• Process and settle payment transactions
• Verify merchant identity and business legitimacy
• Provide customer support and resolve disputes
• Prevent fraud and monitor for suspicious activity
• Send important service notifications and updates
• Comply with Ethiopian financial regulations and legal requirements
• Improve our services, platform, and user experience

4. Data Security

We implement industry-standard security measures to protect your data, including TLS 1.2+ encryption for data in transit, AES-256 encryption for data at rest, access control policies, regular security audits, and intrusion detection systems. Payment card data and sensitive financial information are processed in compliance with industry security standards.

5. Data Sharing

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

• Payment Partners: Banks, mobile money operators (Telebirr, CBE Birr, M-PESA, etc.) to process transactions.
• Regulatory Authorities: The National Bank of Ethiopia or other government bodies as required by law.
• Service Providers: Cloud hosting, analytics, and communication providers who assist in operating our platform, under strict confidentiality agreements.

6. Data Retention

We retain your account and transaction data for as long as your account is active and for a minimum of 5 years after account closure to comply with Ethiopian financial record-keeping requirements. Technical logs are retained for up to 12 months.

7. Your Rights

You have the right to:

• Access and obtain a copy of your personal data
• Request correction of inaccurate information
• Request deletion of your account (subject to regulatory retention requirements)
• Opt out of non-essential marketing communications

8. Contact Us

If you have questions about this Privacy Policy or want to exercise your rights, contact us at: