Privacy Policy for Agentpesa

Effective Date: June 17, 2025

This Privacy Policy is issued by Skite Technologies Ltd, the parent company and operator of the Agentpesa platform (“Agentpesa”, “we”, “our”, or “us”). Skite Technologies Ltd is a registered company in Nigeria (RC 8815542) and is fully responsible for the collection, processing, and protection of user data across all Agentpesa applications and services.

This Privacy Policy explains how Agentpesa collects, uses, discloses, and safeguards your information when you use our mobile application and services, including our AI chatbot and voice chat functionalities.

Your privacy is paramount. We are committed to protecting your personal information and ensuring a secure and transparent banking experience.

1. Information We Collect

We collect information to provide and improve our services to you. The types of information we collect include:

A. Information You Provide to Us

Personal Identification Data: Name, date of birth, gender, phone number, email address, physical address, and a government-issued identification document (e.g., National ID, Passport) required for KYC (Know Your Customer) and account verification.
Transaction & Beneficiary Data: Information about your transactions, including sender and recipient details. When you use features like sending money, we collect the names and phone numbers of beneficiaries or contacts.
Financial Information: Bank account numbers, debit card details, and transaction history required to provide our financial services.
Profile Data: Your profile photo and any AI-generated avatar preferences you set.
Communications: Any information you provide when you contact us for customer support or general inquiries.

B. Information We Collect Automatically

Device Information: We collect details about the device you use to access Agentpesa, including the device model, operating system, unique device identifiers, and mobile network information.
Usage Data: We collect data on how you interact with the app, such as the features you access, the time spent on the app, and your interaction patterns with the AI chatbot and voice features.
Location Information: With your explicit consent, we may collect precise or approximate location data to prevent fraud, process transactions securely, and provide location-based services like the Agent Locator.

C. Voice and Chat Data

Voice Inputs: When you use voice commands or voice chat, we collect recordings of your voice. These recordings are securely processed by our AI to understand your commands and respond to your queries.
Chat Transcripts: Conversations with our AI chatbot are stored as text transcripts.
Purpose: This data is used solely to process your requests and improve the accuracy of our AI models.

D. Biometric Data

Fingerprint/Face ID: If you enable biometric login, we access your device's authentication mechanisms. We do not store your actual fingerprint or facial scan data on our servers. This data remains on your device, and we only receive confirmation from your device that authentication was successful.

2. How We Use Your Information

We use the collected information for the following specific purposes:

To Provide and Maintain Services: To process your financial transactions, manage your account, provide customer support, and deliver the core functionalities of the app.
For Security and Fraud Prevention: To verify your identity, authenticate your access, monitor for suspicious activities, and protect against fraud and financial crime. This is a critical purpose for a banking application.
To Personalize Your Experience: To customize your app experience, offer relevant financial products, and tailor voice assistant responses based on your preferences and local language.
To Improve Our Services: To analyze usage patterns to enhance app features, improve the accuracy of our AI models, and develop new products.
For Communication: To send you important updates, transaction confirmations, security alerts, and, with your consent, promotional messages.
For Legal and Regulatory Compliance: To meet our legal obligations, including KYC, Anti-Money Laundering (AML), and other financial regulations.

We do not sell your personal information to third parties. We may share your information only in the following limited circumstances:

With Your Consent: When you explicitly authorize us to share specific information.
With Service Providers: We engage trusted third-party service providers who assist us in operating our business. These may include payment processors, cloud hosting providers, data analytics services, and customer support platforms. These providers are bound by strict confidentiality agreements and are authorized to use your information only for the specific purposes we hired them for.
For Legal Reasons: We may disclose your information if required by law, court order, or governmental request, or if we believe such action is necessary to comply with legal obligations, protect our rights or property, or prevent fraud.
For Fraud Prevention: We may share your data with financial institutions, payment networks, and fraud prevention agencies to prevent and detect fraudulent transactions.
Aggregated or Anonymized Data: We may share data that has been aggregated or anonymized, which cannot be used to identify you personally, for research or analytical purposes.

Please note that the application may rely on third-party service providers for specific features and functions. These partners are carefully vetted and bound by strict confidentiality agreements. They include:

AI and Voice Processing Providers: Secure third-party AI and voice services that process speech or text to deliver intelligent responses. They do not access or store personal financial details.
Cloud Infrastructure Providers: Reputable cloud hosting and storage services that ensure data encryption, reliability, and compliance with global standards.
Analytics and Crash Reporting Tools: Tools that help us improve app performance, fix bugs, and understand general usage patterns without identifying individual users.

4. Your Rights and Controls

You have control over your personal information and can exercise certain rights:

Access and Export Your Data: You have the right to request access to your transaction history and other personal data. You can export your history in Excel or PDF format directly from the app.
Correct or Update Your Data: You can update certain profile details like your photo and AI-generated avatar. For KYC-related data, you may need to contact customer support for updates.
Delete Your Data: You have the right to request the deletion of your personal data. We will take steps to delete your data upon request, unless we are legally required to retain it for a specific period (see Data Retention section).
Clear Voice and Chat History: You can choose to clear your voice and chatbot interaction history for specified periods (7 days, 30 days, or all time) within the app's settings.
Opt-Out of Communications: You can manage your preferences for receiving promotional communications.
Account Closure: You can close your account by contacting our customer support.

5. Data Retention and Deletion

We retain your personal information for as long as necessary to provide you with our services, comply with our legal obligations, and resolve disputes. The retention period is based on the type of data and the purpose for which it was collected.

KYC and Financial Records: We are legally required to retain certain financial and identification records for a period of up to 7 years to comply with financial regulations.
Voice and Chat Data: Your voice and chat data is retained for up to 90 days to improve AI services, after which it is securely deleted.
User-Requested Deletion: If you request data deletion or account closure, any data not legally required for retention will be removed within 30 days.

6. Platform Permissions (Android & iOS)

Our mobile app may request certain device permissions to provide core features. The use of each permission is strictly limited to the purpose described below:

Microphone: This permission is requested and used only for voice chat and voice commands. Audio is processed securely and is not accessed for any other purpose.
Storage / Files: This permission is requested only when you actively choose to upload a financial document, such as a receipt, statement, or KYC file. We do not access or scan any other unrelated files on your device.
Biometric (Face ID / Fingerprint): This permission is used for login authentication and is managed entirely by your device's operating system. We never store or transmit your actual biometric data.
Camera: This permission is requested only when you choose to use the camera for actions like scanning documents for KYC verification or capturing a profile photo.

7. Data Security

We are committed to protecting your information and implement a variety of technical and organizational security measures. These measures include:

Encryption: Your data is encrypted both in transit (using TLS/SSL) and at rest on our servers.
Access Controls: We apply strict access controls and authentication to limit who can access your personal information.
Security Audits: Our systems are regularly audited to identify and address potential vulnerabilities.
Voice Authentication: Voice biometrics provide an additional layer of security for voice-enabled features.

While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee its absolute security.

8. Children's Privacy

Our services are not intended for individuals under the age of 18, with the exception of specific "Child Accounts" features which require a parent's or legal guardian's consent. We do not knowingly collect personal information from children without appropriate parental consent. If we become aware that we have collected such data, we will take steps to delete it immediately.

9. Compliance with App Stores

This policy is designed to fully meet the privacy requirements of both the Google Play Store and Apple App Store. We explicitly disclose how permissions are used, do not sell personal data, and provide clear mechanisms for users to manage their data and privacy preferences within the app.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any significant changes by posting the new Privacy Policy on our app and updating the "Effective Date" at the top of this policy. We encourage you to review this Privacy Policy periodically.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: support@agentpesa.ai
Phone:+2349057463831

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Agentpesa Team