Medikia Virtual POS Privacy Policy

1. About Medikia Virtual POS

Medikia Virtual POS is a secure Android application designed exclusively for healthcare providers. It enables authorized staff to monitor payment transactions received through a Medikia Business Account while preventing access to sensitive banking features.

The application allows staff to verify payment status and transaction history but does not allow viewing account balances, transferring funds, or making withdrawals.

2. Information We Collect

• Registered phone number
• Registered email address
• Medikia account number
• Business name
• Merchant identification
• Device information
• Login history
• Transaction information
• Application diagnostics

3. Information We Do Not Collect

• ATM PIN
• Debit card PIN
• CVV
• Internet banking passwords
• Mobile banking passwords
• Biometric information unless enabled by the device owner

4. How We Use Your Information

• Authenticate authorized users
• Display transaction history
• Prevent fraud
• Improve security
• Provide customer support
• Improve application performance
• Meet legal and regulatory obligations

5. Security Restrictions

For enhanced business security, Medikia Virtual POS intentionally restricts sensitive banking functions.

• Viewing account balance
• Money transfers
• Cash withdrawals
• Banking settings

These services are available only through the main Medikia App for authorized account owners.

6. Data Sharing

We never sell your personal information.

Information may be shared only with:

• Licensed banking partners
• Payment processors
• Regulatory authorities
• Fraud prevention providers
• Cloud service providers

7. Data Security

• Encrypted communications (TLS)
• Secure authentication
• Access control
• Activity logging
• Fraud monitoring
• Secure servers

8. Data Retention

Information is retained only for as long as necessary to provide services, comply with financial regulations, prevent fraud, resolve disputes, and meet legal obligations.

9. Your Rights

• Request access to your information
• Correct inaccurate information
• Request deletion where permitted by law
• Contact customer support regarding your data

10. Children's Privacy

Medikia Virtual POS is intended for healthcare businesses and individuals aged 18 years or older. We do not knowingly collect information from children.

11. Third-Party Services

The application may integrate with licensed banking APIs, payment gateways, cloud hosting services, analytics providers, and crash reporting tools.

12. Permissions

• Internet access
• Network status
• Notifications
• Camera (where required)
• Storage (where applicable)

13. Compliance

Medikia Finance complies with the Nigeria Data Protection Act (NDPA 2023), Nigeria Data Protection Commission (NDPC) guidelines, applicable Central Bank of Nigeria (CBN) regulations, and Anti-Money Laundering (AML) and Know Your Customer (KYC) requirements.

14. Updates to this Policy

This Privacy Policy may be updated from time to time. Any changes will be published on the Medikia website and within the application.