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Privacy Policy

Last updated: July 2026 · Tiko respects your privacy

1. Introduction

This Privacy Policy explains how Tiko collects, uses, stores, and protects your personal data when you use our Platform and services.

2. Information We Collect

Personal Information

  • Full name, email address, and phone number
  • National ID (where required)
  • Business registration information

Account Information

  • Username and encrypted password
  • Login history

Payment Information

  • M-Pesa transaction references and payment confirmations
  • The Platform does not store full card details

Payout & Settlement Information

  • Payout destination details you provide - bank account numbers, bank codes, or mobile-money numbers, and the account-holder name
  • Account-name verification results returned by financial institutions when confirming a payout destination
  • Records of escrow holdings, commissions charged, payouts, withdrawal requests, and settlement outcomes

Payout destination account numbers are stored securely and are shown back to you only in masked form.

3. Information from Organizers

For Event Organizer accounts we may collect:

  • Business name and registration documents
  • Tax information and banking details
  • Contact details

4. Information from Artists

For Artist accounts we may collect:

  • Artist and stage names
  • Portfolio information and media content
  • Pricing information and social media links

5. Event Information

We collect event descriptions, venue details, ticket information, and event images submitted by organizers.

6. How We Use Your Information

We use your information to:

  • Create and manage your account
  • Process payments and generate tickets
  • Hold booking funds in escrow, calculate commissions, and settle payouts
  • Verify payout destinations and resolve disputes, no-shows, and cancellations
  • Verify organizers and artists
  • Prevent fraud and improve our services
  • Send relevant notifications

7. Legal Basis for Processing

Where applicable, data is processed based on:

  • Your consent
  • Contractual necessity
  • Legal obligations
  • Legitimate business interests

8. Sharing Your Information

Information may be shared with:

  • Payment processors, SMS providers, and email providers
  • Payment and payout providers (including for transfers and account-name verification), and, where applicable, a licensed payment service provider supporting escrow and settlement
  • The counterparty to a booking, resale, or dispute, to the limited extent needed to complete or resolve the transaction
  • Cloud hosting providers
  • Government authorities where required by law

9. Data Security

We implement encryption, secure authentication, role-based access control, audit logging, and regular security monitoring. However, no system is completely secure.

10. Data Retention

We retain information for as long as your account remains active, as required by law, and for fraud prevention purposes. Verification records, audit logs, and financial records - including escrow, commission, payout, and settlement records - may be retained for longer periods where required by law, accounting and tax obligations, regulatory obligations, fraud prevention requirements, or dispute resolution needs, including after account termination.

11. Your Rights

Subject to legal limitations, you may request:

  • Access to your personal data
  • Correction or deletion of data
  • Restriction of processing
  • Withdrawal of consent

12. Cookies

The Platform may use authentication cookies, analytics cookies, and security cookies. You may disable cookies through your browser settings, though this may affect Platform functionality.

13. Cross-Border Transfers

Data may be processed outside Kenya where service providers operate internationally. Appropriate safeguards shall be used.

14. Children's Privacy

The Platform is not intended for children under 18 without parental or guardian consent where applicable.

15. Changes to This Policy

The Platform may update this Privacy Policy periodically. Users will be notified where required by law.

Verification Information

The Platform may collect:

  • Government-issued IDs and business registration certificates
  • Selfies and photographs
  • Phone and email verification data

These are used solely for verification, fraud prevention, compliance, and security purposes.

Audit & Security Information

The Platform may collect:

  • IP addresses and device identifiers
  • Login history and activity logs
  • Security events

This information is used to detect fraud, investigate complaints, and secure the Platform.

Fraud Prevention Processing

The Platform may process personal data for fraud detection, risk assessment, identity verification, compliance investigations, and dispute resolution.

Financial & Settlement Data

To hold booking funds in escrow, calculate commissions, and make payouts, the Platform maintains financial records including escrow ledgers, commission entries, payout requests, and settlement outcomes. Where you provide a payout destination, the Platform shares the account details with its payment provider to verify the account-holder name and to make transfers, and stores the verification result.

Booking-related financial information - such as the agreed fee, the commission applied, and the resulting net amount - may be shared with the counterparty to that booking to the extent necessary to complete or resolve it. Records supporting a dispute, no-show report, or cancellation, including any evidence submitted, are processed to reach and document a resolution.

16. Contact Us

Privacy inquiries may be directed to:

privacy@tiko.company

Also see our Terms & Conditions