At Ekié, your privacy is not just a legal obligation — it is a core part of who we are. We handle your financial and personal data with the same trust and care you place in a family member.
1. Who We Are
Ekié ("we", "us", "our") is a fintech platform operated by Ekié Inc., providing savings circles, marketplace, loans, and payment services to Cameroonians worldwide. Our registered address is in Yaoundé, Cameroon 🇨🇲 and Kentucky, USA 🇺🇸.
2. Information We Collect
Information you provide directly:
- Full name, phone number, and email address
- 4-digit PIN (stored as an encrypted hash — never in plain text)
- Country of residence and preferred language
- National ID (for vendor verification only)
- Mobile money account numbers (MTN MoMo, Orange Money)
Information collected automatically:
- Transaction history (contributions, disbursements, loans)
- Circle membership and activity
- Device type and app usage patterns
- IP address and approximate location
3. How We Use Your Information
- To create and manage your Ekié account
- To process payments and circle contributions
- To calculate your credit score for loan eligibility
- To send transaction notifications and reminders
- To verify vendor identity and approve applications
- To detect and prevent fraud and unauthorized access
- To improve our services and user experience
- To comply with legal and regulatory requirements
4. How We Protect Your Data
- All data is encrypted using 256-bit AES encryption
- Your PIN is hashed and never stored in readable format
- App automatically logs out after 5 minutes of inactivity
- All API communications use HTTPS/TLS encryption
- Database access is restricted and monitored 24/7
- Regular automated backups with 7-day retention
5. Who We Share Your Data With
We do not sell your personal data. We only share data with:
- Payment providers — MTN MoMo, Orange Money, Stripe, Flutterwave (only what's needed to process your payment)
- Circle members — your name and contribution status are visible to your circle members only
- Legal authorities — only when required by law
- AWS — our cloud infrastructure provider, under strict data processing agreements
6. Your Rights
- Access — request a copy of all data we hold about you
- Correction — update incorrect personal information
- Deletion — request deletion of your account and data
- Portability — receive your data in a portable format
- Objection — opt out of non-essential data processing
7. Data Retention
We retain your personal data for as long as your account is active. Transaction records are kept for 7 years for regulatory compliance. When you delete your account, personal data is removed within 30 days.
8. Cookies
Our website uses essential cookies to function properly. See our Cookie Policy for details.
9. Children's Privacy
Ekié is not intended for users under 18 years of age. We do not knowingly collect data from minors.
10. Changes to This Policy
We may update this policy from time to time. We will notify you of significant changes via email or in-app notification.
11. Contact Us
For privacy-related questions or to exercise your rights:
- 📧 Email: hello@myekie.com
- 📱 WhatsApp Cameroon: +237 678 460 902
- 📱 WhatsApp USA: +1 859 640 7703