Privacy Policy

1. Introduction

Centrika Ltd. (“we”, “our”, or “us”) values the privacy and protection of user data. This Privacy Policy explains how we collect, use, store, and share your personal information when you use XentriPay services via web or mobile app.

2. What We Collect

  • Personal info: name, DOB, gender, ID/passport, email, phone
  • Business info: name, address, tax ID, registration number
  • KYC documents: ID, licenses, tax forms
  • Financial activity: wallet, transfers, reversals
  • Device and usage data: browser, OS, timestamps, error reports
  • Location data (if permission granted)
  • Activity logs: approvals, verifications, system actions

3. How We Use Your Information

  • Account creation, management, and KYC
  • Payments and transaction processing
  • Customer and merchant dashboard access
  • Security, performance, and fraud detection
  • Role-based permissions enforcement
  • Customer support and dispute resolution

4. File Access

We request file permissions strictly to capture and upload documents for verification. No access is made to unrelated device files or media.

5. Third-Party Services

We work with secure external services like OTP providers, hosting platforms, analytics tools, and cloud storage. These services receive only the minimum necessary data under binding data protection agreements.

6. Cookies and Tracking

XentriPay does not directly use cookies. Third-party services may implement them for analytics or session management. You may disable cookies in your browser settings.

7. Security Practices

  • TLS encryption for data in transit
  • Encrypted storage for data at rest
  • Two-Factor Authentication (2FA) for sensitive operations
  • Role-based internal access control
  • Comprehensive audit and error logs

8. SERVICE PROVIDERS

External vendors assist with hosting, verification, payment processing, and analytics.

  • They are given access to data only for specific, authorized tasks.
  • Each vendor is contractually obligated to safeguard data.

8. Children’s Privacy

Our services are not intended for users under 13. If we detect such data, it will be deleted immediately.

9. LINKS TO OTHER WEBSITES

Our platform may contain links to external sites. We do not control or endorse the content, privacy policies, or practices of third-party websites. Please review their policies before use

9. Role-Based Permissions

  • Customers/Merchants: Access their own data
  • Agents: Onboarding access and support
  • Admins/Staff: Full internal access for operations and compliance

10. Changes to Policy

We may update this policy. All changes are published with a new “Effective Date”. Continued use means you agree to the new terms.

11. Contact Us

Email: info@centrika.rw

Phone: +250 787 272 2036

Website: www.xentripay.com