Privacy policy

1. Who we are

NikoPay ("we", "us") provides a service that lets you send USDT or USDC from a self-custodial wallet and have local currency paid out to a recipient's mobile money account in supported African countries. For privacy questions, contact info@nikopay.to or +250 787 259 588.

2. Data we collect

Depending on how you use NikoPay, we may collect:

• Account and contact data: email address, and waitlist or support messages you send us.
• Payment data: wallet address you connect, chain and asset (for example USDT or USDC on Polygon or Base), quoted amounts, fees, payment status, and deposit transaction references.
• Recipient data: mobile money number (MSISDN), country, network or provider, and, where available, recipient name from the rail for confirmation.
• Technical data: IP address, device or browser type, and basic logs needed to secure and operate the service.
• Admin and audit data: actions taken in ops tools, for fraud review and settlement records.

We do not ask for seed phrases or private keys. You keep custody of your wallet until you confirm a send.

3. Why we use data

• Provide quotes, create payment intents, and settle payouts
• Match on-chain deposits to payments and handle failures
• Comply with legal, fraud, and rail requirements
• Improve reliability, support, and product communications you opt into
• Secure the service and investigate abuse

4. Sharing

We share data only as needed to run the service:

• Mobile money rail partners (for example PawaPay) to execute payouts and look up recipient details where supported
• Infrastructure providers (hosting, database, email) under contracts that limit use to our instructions
• Authorities when required by law, or to protect rights and safety

We do not sell personal data.

5. Retention

We keep payment and audit records for as long as needed for settlement, dispute handling, accounting, and legal obligations, then delete or anonymize them when no longer required. Waitlist emails are kept until you ask to be removed or we close the list.

6. Security

We use HTTPS, access controls on admin tools, and encryption for sensitive fields where stored. No method of transmission or storage is fully secure. Only send the exact USDT or USDC amount shown for a payment.

7. Your choices

You may request access, correction, or deletion of personal data we hold about you, subject to legal retention needs for payment records. Email info@nikopay.to. You can disconnect your wallet at any time in your wallet app.

8. Children

NikoPay is not directed at children under 18. We do not knowingly collect data from minors.

9. Changes

We may update this policy. The "Last updated" date will change when we do. Continued use after an update means you accept the revised policy.

10. Related

Use of NikoPay is also governed by our Terms of use.