Privacy policy

  • Visit our website at, or any website of ours that links to this privacy notice
  • Download and use our mobile application (Kirgawa), or any other application of ours that links to this privacy notice
  • Engage with us in other related ways, including any sales, marketing, or events
  • Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by checking more contents below to find the section you are looking for.
How do we process your information?

  • We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.
How do we keep your information safe?

  • We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information
How do you exercise your rights?

  • You have the right to access, correct, or delete your information, or to object to or restrict our processing of your information.
  • You can exercise these rights by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Electronic Communications, Transactions, and Signatures

  • Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.
Links to Other Websites

  • Our Site may contain links to third-party websites and applications of interest, including advertisements and external services, that are not affiliated with us. Once you have used these links to leave our Site, you should note that we do not have any control over that other website or application. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this Privacy Policy. You should exercise caution and look at the privacy statement applicable to the website in question.

  • We use “cookies” to help personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server.
Personal Data You Provide Directly to Us

  • We collect personal data that you provide directly to us. For example, we collect personal data when you create an account, participate in any interactive features of our services, subscribe to our service, fill out a form, request customer support or otherwise communicate with us. The types of personal data we may collect include your name, email address, postal address, phone number, and other similar information.
    • Contact information. As part of our operations, We may collect information such as your name, telephone numbers, address etc.
    • Social Media Index Data. We may provide you with the option to register with us using your existing social media account details, like your Facebook, Twitter, or other social media account. If you choose to register in this way, we will collect the information available to us.
    • Payment information. We may collect data necessary to process your payment if you make purchases, such as your payment instrument number (such as a credit card number), and the security code associated with your payment instrument. If you make a purchase such as when you buy a ticket, or make a withdrawal directly on our site or via an Agent’s website or make a payment using our PoS Terminal, we collect payment card numbers, financial account information, and other payment details. All payment data is stored by Flutterwave and Paystack. You may find their privacy notice link(s) here: and
    • Transaction information. We collect information about your transactions with us, including the type of transaction, the amount, and the date and time of the transaction.
    • Communications. If you contact us directly, for example, with an inquiry or a support request, we may receive additional personal data about you, including your email address and the content of your communications.
Personal Data We Collect Automatically

    • Device Information. We receive information about the device and software you use to access our Services, including Internet Protocol (IP) address, web browser type, operating system version, and device identifiers. We may also collect information about the device you use to access our Services, including the hardware model, operating system and version, unique device identifiers, and mobile network information.
    • Usage Information. To help us understand how you use our Services, including the Demo portion of our website, and to help us improve them, we automatically receive information about your interactions with our Services. This information includes records of your transactions and information about your other activities related to our services, such as date and time of your sessions, the pages you view, links to/from any page, and time spent in a session. Some of the data we gather through the use of cookies and similar technologies as discussed below.
    • Log Information. We collect log information about your use of our Services, including the type of browser you use, access times, pages viewed, your IP address, and the page you visited before navigating to our Services.
    • Location Information. We may collect information about your location when you use our Services. We use various technologies to determine location, including IP address, GPS, and other sensors that may, for example, provide us with information on nearby devices, Wi-Fi access points, and cell towers.
    • Information Collected by Cookies and Other Tracking Technologies. We use various technologies to collect information, and this may include sending cookies to your device. Cookies are small data files stored on your hard drive or in device memory that help us to improve our Services and your experience, see which areas and features of our Services are popular, and count visits. We may also collect information using web beacons (also known as “tracking pixels”). Web beacons are electronic images that may be used in our Services or emails and help deliver cookies, count visits, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon.
Personal Data That We Receive from Others or Infer

    • Partners. We may retrieve additional personal data about you from third parties and other identification/verification services such as your financial institution and payment processor. We may combine that data with other information we have about you.
    • Publicly Available Information. We may collect personal data about you from publicly available sources, such as social media platforms, and combine that data with other information we have about you.
    • Inferences. We may infer personal data about you from other information we have about you. For example, we may infer your location from your IP address.
  • When you are asked to provide personal data, you may decline. And you may use web browser or operating system controls to prevent certain types of automatic data collection. But if you choose not to provide or allow information that is necessary for certain services or features, those services or features may not be available or fully functional.

We use the Personal Data we collect to:
  • Provide you with the required services
  • Respond to your questions or requests
  • Improve features, website content and analyse data to develop products and services
  • Address inappropriate use of our website
  • Prevent, detect and manage risk against fraud and illegal activities using internal and third party screening tools
  • Send you marketing content, newsletters and service updates curated by Us (only with your explicit consent)
  • Verify your identity and the information you provide in line with our statutory obligations using internal and third party tools
  • Maintain up-to-date records
  • Resolve disputes that may arise, including investigations by law enforcement or regulatory bodies
  • Any other purpose that we disclose to you in the course of providing our services to you

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