1. Scope
SpekitaPay supports payment lookup, payment initiation, payment-status confirmation and customer support for eligible Spekita device-purchase installment arrangements. SpekitaPay does not originate or disburse general-purpose cash loans.
2. Information We Collect
Depending on the payment flow, we may process:
- Customer contact information, including a phone number used to identify or initiate a payment.
- Account, installment agreement, order or device references needed to locate the correct payment obligation.
- Payment information such as amount due, amount paid, payment reference, transaction ID, provider name, payment status, date and time.
- Limited device and technical details, including app version, device or account reference passed through an authorized Spekita flow, network status and diagnostic logs.
- For the Google Play version, encrypted app, license and device-integrity signals processed through Google Play Integrity, including app package, version and signing metadata, Play licensing status and device-attestation results.
3. Payment Providers
Payments may be initiated or verified through approved third-party payment providers, including ClickPesa where applicable. Those providers process payment instructions under their own terms and privacy practices. SpekitaPay receives only the information necessary to create, verify and reconcile the transaction.
4. Information We Do Not Collect
SpekitaPay does not request, store or process mobile money PINs, bank passwords, full card numbers, CVV codes or other full payment-account credentials. When Android biometric or device confirmation is used before a payment, verification is handled by Android and SpekitaPay does not receive or store biometric data.
5. How We Use Information
- Identify the correct customer account, device, installment agreement or payment obligation.
- Initiate, verify, reconcile and display payment status.
- Provide payment receipts, support, dispute handling and account updates.
- Prevent fraud, duplicate payments and unauthorized payment activity.
- Maintain accounting, audit and legal records.
6. Sharing, Retention and Security
We do not sell payment or personal data. We share limited information only with approved payment providers, Spekita systems, hosting providers and professional advisers when needed for the stated purposes or required by law. Google and our contracted infrastructure provider process Play Integrity security signals on our behalf; SpekitaPay does not use those signals to fingerprint users, advertise, or track users across services. Payment and transaction records are retained as necessary for reconciliation, customer support, accounting, fraud prevention, audit and legal obligations. SpekitaPay may store limited encrypted session, payment-follow-up and installment-summary data on the device so that pending-payment checks, optional reminders and offline account summaries can work reliably. We use reasonable technical and organizational safeguards to protect these records.
Contact Us
For privacy questions, correction, access, or deletion requests, contact support@spekita.com with the subject line “SpekitaPay Privacy Policy Privacy Request”. We may need to verify your identity and may retain limited records where required for security, fraud prevention, accounting, contract, audit, or legal obligations.
Changes to This Policy
We may update this policy when the service, legal requirements, or our data practices change. The current version will be published on this page with its effective date.