Privacy Policy

1. Information Collection & Data Sources

SentePro collects information required to deliver, secure, and operate our financial payment collection services. This includes:

• Account & Profile Information: Full legal name, business registration details, physical address, email address, phone number, national identification, tax identification numbers, and beneficial ownership documentation collected during merchant onboarding and verification.
• Financial & Settlement Information: Bank account numbers, mobile money wallet numbers, card payment data, transaction history, payout histories, and fee schedules.
• Technical & Usage Data: IP addresses, browser types, device identifiers, operating systems, geo-location data, access timestamps, system logs, and interaction data gathered via cookies and tracking technologies when accessing the SentePro dashboard or API endpoints.
• Customer Transaction Data: Information provided by end-customers when completing a payment via SentePro payment links, custom fields, or checkout interfaces.

2. Purpose & Legal Basis for Processing

We process personal and corporate data for the following operational and legal purposes:

• Core Service Delivery: Processing payment collections, executing settlements, managing payout routines, maintaining account ledgers, and providing administrative notifications.
• Identity Verification & Risk Management: Performing Know Your Customer (KYC), Know Your Business (KYB), Anti-Money Laundering (AML), and fraud prevention checks prior to account activation and continuously during platform use.
• Security & System Optimization: Monitoring network infrastructure, preventing unauthorized system access, resolving technical glitches, and optimizing checkout and dashboard performance.
• Legal & Regulatory Compliance: Fulfilling statutory financial reporting, cooperating with law enforcement agencies, adhering to tax obligations, and responding to valid judicial mandates or regulatory audits.

3. Data Sharing & Third-Party Transfers

SentePro does not sell, rent, or lease user data. Information is disclosed exclusively under the following conditions:

• Financial Infrastructure Providers: Partner banking institutions, card networks (e.g., Visa, Mastercard), mobile network operators, and licensed third-party payment gateways necessary to process, clear, and settle transactions.
• Service Vendors: Specialized third-party vendors offering hosting infrastructure, identity verification tools, customer support systems, and automated fraud-detection analytics, bound by strict confidentiality and security protocols.
• Legal Authorities: Regulatory bodies, law enforcement, tax authorities, or legal processes where disclosure is mandatory by law or necessary to protect the legal rights, safety, or property of SentePro and its users.

4. Data Security & Storage Controls

SentePro implements industry-standard technical, organizational, and physical security measures designed to safeguard data:

• Data in transit is protected using robust Transport Layer Security (TLS) and end-to-end encryption protocols.
• Sensitive financial credentials and stored data are subject to AES-256 encryption at rest, strict access role separation, and multi-factor authentication requirements.
• Third-party processing partners maintain independent security compliance, such as Payment Card Industry Data Security Standard (PCI-DSS) certifications.

5. Data Retention & Deletion

Personal and business records are retained for as long as your account remains active and functional. Upon account termination or closure, SentePro retains required transaction logs, KYC documents, and financial records for a mandatory statutory period (typically 5 to 10 years, depending on applicable financial and tax laws) to comply with legal, fraud prevention, and regulatory audit mandates. Once retention obligations expire, data is securely anonymized or destroyed.

6. User Rights & Data Control

Depending on your legal jurisdiction, you hold specific rights regarding your personal information:

• The right to request access to the personal information SentePro holds about you.
• The right to request correction of inaccurate, incomplete, or outdated account information.
• The right to request deletion of non-statutory data, subject to SentePro's mandatory legal and regulatory retention obligations.
• The right to lodge a complaint with a relevant Data Protection Authority if you suspect your data rights have been violated.

7. Policy Updates & Modifications

SentePro reserves the right to modify or replace this Privacy Policy at any time. Material updates will be communicated by posting the revised policy on the platform or notifying account holders via registered email. Continued access to or use of the SentePro dashboard and services following any policy modification constitutes binding legal acceptance of the updated terms.