Privacy Policy

1. Data controller

The data controller is AFRONEX QUANTUM SARL, publisher of AfroQash. For any question about your data, write to contact@afroqash.com.

2. Data we collect

Your PIN is stored in encrypted form and is never readable by us in plain text.

• Identification data: surname, first names, phone number, email address, date of birth.
• Identity verification (KYC) data: ID document, photo or selfie and, for business accounts, company information.
• Transaction data: amounts, dates, recipients, payment methods and Mobile Money operators used.
• Technical data: device model and identifier, operating system, IP address, connection logs and notification tokens.
• Communication data: messages sent to support and through the contact form.

3. How we use your data

• To create and manage your account and authenticate you (including by one-time code).
• To process your payments, collections, deposits and withdrawals.
• To verify your identity and meet our legal obligations, in particular anti-money laundering and counter-terrorist financing rules.
• To detect and prevent fraud and secure our services.
• To send you account notifications and, with your consent, information about our offers.
• To answer your requests and improve our services.

4. Legal bases

We process your data on the basis of the performance of our contract with you (providing the service), compliance with our legal and regulatory obligations, our legitimate interest in securing the service and preventing fraud and, where applicable, your consent, which you may withdraw at any time.

5. Data sharing

We never sell your data. It is shared only with:

• Mobile Money operators, banks and payment partners needed to process your transactions.
• Our technical providers (hosting, SMS, email and notification delivery), bound by confidentiality.
• Administrative or judicial authorities, where required by law.

6. Retention

Your data is kept for as long as your account is open. After it is closed, identification and transaction data is kept for the period required by applicable anti-money laundering rules (ten years in the WAEMU region), then deleted or anonymised. Other data is deleted within a reasonable time.

7. Security

We apply appropriate technical and organisational measures: encrypted communications, role-based access control, logging of sensitive operations and fraud monitoring. No system is infallible, so please keep your PIN secret and report any suspicious activity to us.

8. Your rights

You have the right to access, correct, object to and delete your data, within the limits set by law (some data must be kept to meet our legal obligations). To exercise these rights, write to contact@afroqash.com. You may also contact the Personal Data Protection Authority (APDP) of Benin.

9. Minors

AfroQash services are for adults only. We do not knowingly collect data about minors.

10. Changes

We may update this policy. The date of the last update appears at the top of this page; we will notify you in the app of any significant change.