Privacy Policy

---

Welcome to the Rafiki Privacy Policy. This document explains how Germa Ltd, the UK-based owner and operator of Rafiki (رفيقي), collects, uses, and protects your personal information.
  

We use your information to:
- Set up and manage your Rafiki account.
- Verify your identity (e.g., KYC/AML checks).
- Improve the user experience and platform services.
- Contact you with service updates or marketing offers.
- Comply with legal, regulatory, and security obligations.

We only share data:
- With trusted service providers (e.g., payment processors).
- With regulators or authorities when required by law.
- If Rafiki is part of a merger, sale, or acquisition.
- To prevent fraud, enforce terms, or protect our users.