Experience on the go 🚀 cross-border payments today!
September 2025
Wakapay Fintech Limited ("we," "our," or "us") is a company registered in Tanzania with offices at 1127 Chole Road, 34004 Dar es Salaam, Tanzania. We are part of Waka Payments AG, Switzerland.
This Privacy Policy explains how we collect, use, share, and safeguard your information when you use the Wakapay mobile application (the "App"). Our services are provided at no cost and are intended for use "as is."
By downloading or using the App, you agree to this Privacy Policy. If you do not agree, please discontinue use of the App. Unless otherwise defined, the terms used here have the same meaning as in our Terms and Conditions.
The data controller responsible for your information is:
We collect information necessary to provide and improve our remittance services. The table below outlines the categories, purposes, and whether data is shared:
| Data Category | Examples | Purpose | Shared? |
|---|---|---|---|
| Personal Information | Full name, email, phone number, address, user ID, government-issued ID (via camera scan), photograph | Account setup, verification, fraud prevention, compliance | Yes – with service providers & as required by law |
| Financial Information | Bank account numbers, payment card details, transaction history, purchase records | Transaction processing, compliance, fraud prevention | Yes – with banking partners, processors, regulators |
| Device Identifiers | IP address, device ID, Android advertising ID, OS version | App functionality, security, analytics | Yes – with analytics providers |
| App Usage Data | Crash logs, diagnostics, time spent, pages visited | Improve app performance & user experience | Yes – with analytics providers |
For users of the Wakapay iOS App, we integrate the Smile ID SDK, which makes use of Apple's TrueDepth API (ARKit) when you take a selfie for identity verification.
While capturing a selfie, ARKit may process 3D spatial orientation and facial expression data from your device's TrueDepth camera.
This data is used solely to confirm that the selfie is being taken by a live person. The purpose is authentication and fraud prevention — ensuring the user is real and preventing identity spoofing or unauthorized account creation.
The ARKit data used for liveness detection is never retained. Once the authentication check is complete, the data is discarded immediately on-device.
We may share information in the following circumstances:
With trusted partners (e.g., payment processors, data analytics, cloud hosting, customer support). These parties are contractually bound to use your data only for the services we request. Key partners include:
When required by law, subpoena, or legal process; or to protect rights, investigate fraud, ensure safety, or respond to government requests.
In case of a merger, acquisition, or asset transfer, your data may be part of the transaction.
We retain user data while you maintain an account and for a reasonable period thereafter to meet legal obligations.
In line with Tanzanian Anti-Money Laundering regulations, we must retain customer and transaction records typically for 5-10 years. After this period, data is securely deleted or anonymized.
You may request account deletion via info@wakapayments.com or through the App. Your data will be flagged for deletion, subject to the AML retention period.
We implement physical, electronic, and procedural safeguards to protect your information. Data transmitted between your device and our servers is encrypted using industry-standard protocols (HTTPS/TLS).
That said, no method of transmission or storage is completely secure. We cannot guarantee absolute protection.
You may stop data collection by uninstalling the App.
You can manage permissions (e.g., camera access) through device settings. Disabling certain permissions may limit functionality.
While the App does not use cookies directly, third-party tools (e.g., Google Analytics) may. You can manage preferences via your browser or device.
The App is not intended for individuals under 18. We do not knowingly collect data from minors. If such data is identified, it will be promptly deleted. Parents/guardians may contact us for assistance.
The App may contain links to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.
We may update this Privacy Policy periodically. Updates will be posted here, and continued use of the App indicates acceptance of any changes.
By using the App, you consent to the collection, use, and sharing of your information in accordance with this Privacy Policy.
For questions, concerns, or data requests, please contact:
Email: info@wakapayments.com
We want to inform you that whenever you use our service, in the case of an error (e.g.,a bug) in the app, we collect data and information regarding the error (through third-party products) on your phone. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our service, the time and date of your use of the service, and other statistics.
We want to inform you that whenever you use our service, in the case of an error (e.g.,a bug) in the app, we collect data and information regarding the error (through third-party products) on your phone. This Log Data may include information such as your device Internet Protocol (“IP”) address, device name, operating system version, the configuration of the app when utilizing our service, the time and date of your use of the service, and other statistics.
Cookies are files with a small amount of data that are commonly used as anonymous unique identifiers. These are sent to your browser from the websites that you visit and are stored on your device’s internal memory.
This service does not explicitly use cookies. However, the app may use third-party code and libraries that use cookies to collect information and improve their services. You have the option to either accept or refuse these cookies and know when a cookie is being sent to your device. If you choose to refuse our cookies, you may not be able to use some aspects of this service.
We may employ third-party companies and individuals due to the following reasons:
We want to inform users of this service that these third-parties have access to your personal information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
We value your trust in providing us your personal information, thus we are striving to use commercially acceptable means of protecting it. However, no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.
This service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
These services do not address anyone under the age of 18. We do not knowingly collect personally identifiable information from children under 18 years. In case we discover that a child under 18 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to take necessary action.
We may update our Privacy Policy from time to time. Thus, you are advised to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. This policy is effective as of 2023-10-09.
If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us at info@wakapayments.com.
This privacy policy page was created and modified/generated by Waka Payments AG.