Privacy Policy

Last updated [Tuesday, June 8, 2026]

At Medikia Finance Limited ("Medikia", "we", "our", or "us"), we are committed to protecting the privacy, confidentiality, and security of our users’ personal and business information.

This Privacy Policy explains how we collect, use, store, disclose, and safeguard information obtained through the Medikia platform, including our website, applications, and financial services.

By accessing or using Medikia services, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect

1.1 Personal and Business Information

When you register or use the Medikia platform, we may collect information including but not limited to:

  • business name and registration details
  • directors and authorized representatives
  • contact information (email address, phone number, address)
  • identity verification documents
  • healthcare license information
  • bank account and payment information
  • payroll or employee payment details where applicable.

This information is required to verify identity, provide financial services, and comply with regulatory obligations.

1.2 Transaction Information

We collect information related to transactions conducted through the Medikia platform, including:

  • payment amounts
  • transaction dates
  • payer and recipient information
  • account numbers used for settlement.

This information helps us process payments and maintain accurate financial records.

1.3 Device and Usage Information

We may automatically collect certain technical information when you access Medikia services, including:

  • IP address
  • browser type
  • device information
  • operating system
  • login activity and usage patterns.

This information helps us improve platform security and performance.

2. How We Use Your Information

We use collected information for purposes including:

2.1 Service Provision

To provide and operate Medikia financial services, including:

  • payment processing
  • healthcare business accounts
  • payroll services
  • settlement processing
  • loan or financing services.

2.2 Identity Verification and Compliance

To comply with regulatory obligations including:

  • Know Your Customer (KYC)
  • Anti-Money Laundering (AML)
  • Fraud prevention and financial crime monitoring.

2.3 Communication

We may use your contact information to send important service notifications, security alerts, account updates, or customer support responses.

2.4 Platform Improvement

We may analyze aggregated and anonymized data to improve service performance, user experience, and security systems.

3. Sharing of Information

Medikia may share information with trusted third parties where necessary to provide services or comply with regulations, including:

  • licensed financial institutions
  • payment processors
  • regulatory authorities
  • fraud monitoring agencies
  • technology service providers.

These parties are required to maintain the confidentiality and security of your information.

Medikia does not sell personal or business data to third parties.

4. Data Security

We implement appropriate technical and organizational safeguards designed to protect user data from unauthorized access, misuse, alteration, or disclosure.

These safeguards may include:

  • encryption of sensitive data
  • secure server infrastructure
  • restricted internal access controls
  • monitoring and logging of system activity.

While we take reasonable steps to protect your data, no electronic system can guarantee absolute security.

5. Data Retention

We retain user information only for as long as necessary to:

  • provide services
  • comply with legal obligations
  • maintain financial records
  • prevent fraud and financial crime.

Where information is no longer required, it will be securely deleted or anonymized.

6. Children's Privacy

Medikia services are intended for registered businesses and individuals aged 18 years or older.

We do not knowingly collect personal information from individuals under the age of 18.

7. Updates to this Policy

Medikia may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, or business operations.

Any changes will be posted on the Medikia website or application.

Users are encouraged to review this policy periodically.