Privacy Policy

1. Information We Collect

When you register as a merchant on Lipa na Bold, we collect personal information, including your full name, business or creator name, email address, and registered M-PESA mobile number. We also collect transaction data including payment references, amounts paid, sender names, and M-PESA receipts to process payouts and populate your dashboard. We do not collect or store any M-PESA PINs or account passwords.

2. How We Use Informational Data

We collect and process data in order to:

• Maintain and run your merchant portal and wallet balance.
• Coordinate with the Safaricom M-PESA API to issue STK Push requests and handle transaction callbacks.
• Dispatch payouts to your M-PESA phone number on request.
• Notify you of successful incoming customer payments.
• Prevent fraud and enforce platform security policies.

3. Data Sharing and Protection

We do not sell, barter, or distribute your email, telephone, or transaction logs to third parties. Data is shared only with Safaricom PLC for the sole purpose of auditing transaction settlements and triggering B2C/C2B execution commands. All database connections and files are secured by utilizing industry-grade encryption models.

4. Cookie Storage and Analytics

We store authentication cookies on your browser to keep you securely signed in to the merchant portal and remember form configurations. For more details, see our Cookie Policy.

5. Data Retention policies

We retain your credentials and transaction logs, as required by financial regulations and tax audits, as long as you maintain an active account with us. If you would like to shut down your merchant portal and erase your data, contact our security desk at privacy@lipanabold.com.