Last updated: March 14, 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, disclose, and safeguard your information when you use our mobile application, website, and money transfer services (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with the terms of this policy, please do not access or use our Services.
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 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 – Camera & Photo Library
Our mobile application may request access to the following device features:
- Camera: To capture your profile photo and to photograph the front and back of your government-issued identification document for KYC verification purposes.
- Photo Library / Gallery: To allow you to select an existing photo from your device for your profile image or to upload previously saved images of your identification documents.
These permissions are requested only when you initiate the relevant action (e.g., updating your profile photo or submitting KYC documents). You can grant or revoke these permissions at any time through your device settings. Denying camera access will not prevent you from using other features of the app, but you will need to grant access to complete profile photo capture and identity document submission.
Images captured or selected are securely uploaded to our servers and are used solely for the purposes described above. We do not access your camera or photo library in the background or for any purpose other than those explicitly stated.
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
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) to process transactions.
- Service Providers: Third-party companies that assist us in operating our Services, such as hosting providers and email services.
- 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.
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 operating across Kenya and Uganda, 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: