PRIVACY POLICY

ZAKHIR DIGITAL WALLET

Last updated: April 2026

 

This Privacy Policy describes your privacy rights regarding Zakhir collection, usage, storage, share, and protection of your personal information. It applies to the Zakhir Electronic Wallet mobile application (the "App") and website. This Privacy Policy will help you understand how we use your information and what we do with it.

Your use of the Application, the Website, or any of Zakhir’s services shall constitute your acknowledgement that you have read, understood, and agreed to this Policy.

We respect the privacy of our users ("Users"); as such, we take reasonable steps to protect your information.

  1. About Us

Zakhir is an electronic wallet service by SQUARE ONE MARKETING CO. Zakhir provides digital financial services through Zakhir’s mobile application. Zakhir is an Electronic Wallet application that facilitates secure transactions, bill payments, merchant payments, transfers, and financial management services.

  1. Scope of this Privacy Policy

This Policy applies to all personal data that we collect from or about users through the application, the website, or when communicating with us or using our services. It also applies to any subsequent processing of such data whenever it is related to the provision of Zakhir’s services or to compliance with the statutory and regulatory obligations imposed upon us.

  1. Updates to Privacy Policy

We may update this privacy policy as our technology evolves and in response to changes in applicable laws and regulations.

We reserve the right to make changes at any time by giving notice to Users in the App.

We advise you to check this policy often, referring to the date of the last modification at the top of the page.

  1. Age Restriction

The Zakhir App is not directed to children under 16 years of age.

We do not knowingly collect information from children under 18.

If you are a parent or guardian and become aware that your child has provided information to us without your consent, please contact us immediately at info@zakhir.net.

  1. Information We Collect

To access the Zakhir App, you must register for a Zakhir account (an "Account").

"Personal Information" refers to information you submit during registration and Know Your Customer (KYC) verification, or any information that can be used to identify or contact you.

During Registration and KYC, we collect:

  • Mobile phone number
  • Email address
  • Full name
  • Password
  • National identification number
  • Date of birth
  • Physical address
  • National ID documents (images or scans for verification purposes)
  • A selfie or live facial image for identity verification

Device Information we automatically collect:

  • Device type
  • Operating system
  • Device ID and unique identifiers
  • IP address
  • Usage data and the technical and operational logs relating to access to and use of the Application, to the extent necessary for regulatory, technical, and security purposes.
  1. How We Use Your Information

We use your Personal Information to:

Purposes

  • Complete the registration, account creation and KYC verification process
  • Provide Zakhir services including pill payments, digital payments via QR codes, money transfers, and account management
  • Respond to your questions and customer inquiries
  • Improve our operations and user experience
  • Address inappropriate or illegal use of the App
  • Verify information with financial institutions and regulatory authorities
  • Comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
  • Send service-related notifications, security updates, and transaction alerts
  1. Information Sharing

We do not sell, rent, lease, or trade your Personal Information to any third party for marketing or commercial purposes under any circumstances.

However, as a financial services provider, we must share certain information with regulatory authorities if required by law.

Your Personal Information may be shared:

  • In compliance with orders from judicial authorities, government agencies, or regulatory bodies
  • As required by Know Your Customer (KYC)
  • In response to lawful requests from law enforcement or regulatory authorities
  • To prevent, detect, and investigate fraud or illegal activities
  1. Security Measures

We implement comprehensive security standards to protect your Personal Information and transaction information:

Technical Security:

  • End-to-end encryption for data transmission
  • Intrusion prevention systems and advanced firewalls
  • Regular security audits and penetration testing
  • Secure storage of national ID documents and sensitive verification data

Organizational Security:

  • Employee confidentiality and non-disclosure agreements
  • Data protection training for all personnel who access Personal Information
  • Strict access controls limiting personnel to necessary information
  • Regular background checks and security vetting of employees
  • Incident response and breach notification procedures

Limitations on Security:

No security measures are 100% effective. We cannot guarantee complete security of your Personal Information.

We are not responsible for unauthorized access, hacking, or data loss resulting from User negligence, including weak password management or sharing login credentials with third parties.

You are responsible for maintaining the confidentiality of your password and Account information.

  1. Data Retention

We retain your Personal Information, transaction information, and related data for as long as your Account is active or as needed.

This includes retaining data for the following purposes:

retain purposes

  • Provide you with the Services
  • Comply with our legal and statutory obligations under the law and applicable financial regulations

Upon expiry

Upon expiry of the applicable retention period, or where there is no longer a legitimate need to retain the data, we will delete, destroy, or anonymize it in accordance with applicable laws and procedures.

  1. Contact Us

If you have inquiries about this Privacy Policy, your Personal Information, or wish to exercise your data rights, please contact us:

Email: info@zakhir.net

Subject Line: "Privacy Policy Inquiry" or "Data Request"

Response Time: We aim to respond to all privacy inquiries within 7 days of receipt.

Or by Whatsapp :+249110038886

  1. Disclaimer

WE TRY TO KEEP OUR APP AVAILABLE AT ALL TIMES, BUG-FREE, FRAUD-FREE, AND SECURE. HOWEVER, YOU USE THE APP AT YOUR OWN RISK.

THE APP AND SERVICES ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS, IMPLIED, OR STATUTORY WARRANTIES (INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR USE OR PURPOSE, TITLE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS).

WE MAKE NO WARRANTY THAT THE APP AND SERVICES WILL MEET YOUR REQUIREMENTS OR THAT THEY WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. NO ADVICE OR INFORMATION OBTAINED FROM US SHALL CREATE ANY WARRANTY.