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Legal / Privacy

Privacy Policy

How Zapi collects, uses, shares, and protects personal information when you use our website and payment infrastructure services.

Last updated Zapi Financial Technology S.C.

Document contents

1. Introduction

Zapi Financial Technology S.C. (“Zapi,” “we,” “us”) is committed to protecting the privacy of visitors, users, and merchants who interact with our website and payment infrastructure services. This Privacy Policy explains what personal information we collect, how we use it, and the choices you have.

This policy applies to zapihq.com and its subdomains, including blog.zapihq.com and docs.zapihq.com. It does not apply to third-party services that link to or from our website. We are not responsible for the privacy practices of those third parties.

2. Information we collect

Information you provide

  • Contact information such as your name, email address, phone number, and company when you submit a sales inquiry or request support.
  • Account information such as business name, registration details, and beneficial ownership when you open a merchant account.
  • Communication content when you correspond with us by email or through our contact forms.

Information collected automatically

  • Usage data such as pages visited, referring URLs, browser type, device identifiers, and approximate location derived from IP addresses.
  • Cookies and similar technologies as described in our Cookie Policy.

Payment and transaction data

For merchants using our payment processing products, we collect transaction data, customer payment method details, and related financial information necessary to process payments and comply with regulatory obligations. This data is handled under the terms of the merchant agreement.

3. How we use information

We use the information we collect to:

  • Provide, operate, and improve our website and services.
  • Respond to inquiries, provide support, and communicate with you about our products.
  • Process transactions and perform verification, fraud detection, and risk assessment.
  • Comply with legal and regulatory obligations, including anti-money laundering and know-your-customer requirements.
  • Analyze usage trends and measure the effectiveness of our content and features.
  • Detect, prevent, and address technical issues, fraud, and other misuse of our services.

4. Information sharing

We do not sell your personal information. We may share information in the following circumstances:

  • Service providers who help us operate our services, such as hosting, analytics, and customer support providers, under appropriate confidentiality obligations.
  • Payment partners including banks, card networks, and mobile money operators necessary to process transactions.
  • Regulatory authorities when required by law, regulation, or legal process, or to protect our rights and the safety of others.
  • Business transfers in connection with a merger, acquisition, or sale of assets, subject to the protections of this policy.

5. Data retention

We retain personal information for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Transaction and verification data may be retained for longer periods as required by financial regulations.

6. Security

We implement reasonable technical and organizational measures to protect personal information from unauthorized access, alteration, or disclosure. These measures include encryption in transit, access controls, and regular security reviews. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

7. Your rights

You have the right to:

  • Access the personal information we hold about you.
  • Request correction of inaccurate or incomplete information.
  • Request deletion of your personal information, subject to legal retention obligations.
  • Object to or restrict certain processing of your information.
  • Withdraw consent to processing that relies on consent, without affecting processing carried out before withdrawal.

To exercise these rights, contact us through our contact page. We will respond within a reasonable timeframe and may require verification of your identity.

8. Cookies

We use cookies and similar technologies to operate and improve our website. Details about the types of cookies we use and how to manage them are set out in our Cookie Policy.

9. International transfers

Your information may be processed in countries other than your country of residence, including where our service providers or partners are located. Where required, we will take steps to ensure that cross-border transfers are carried out with appropriate safeguards in accordance with applicable data protection law.

10. Children's privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us and we will take steps to delete it.

11. Changes to this policy

We may update this Privacy Policy from time to time. The most current version will be available on this page with the “Last updated” date shown above. We encourage you to review this page periodically. Material changes will be communicated through our website or by other reasonable means.

12. Contact

If you have questions or requests about this Privacy Policy or your personal information, contact us through our contact page or write to Zapi Financial Technology S.C., Addis Ababa, Ethiopia.