Your payment details and privacy

Why we ask for these details

Before your first payout, we need to identify the recipient, review the payment destination and determine the applicable tax and invoicing requirements. This supports your commission arrangement, financial recordkeeping, and protection against payment errors and fraud.

You can explore campaigns before completing this step. Submitting a form does not approve a payout. An authorised reviewer checks the current version of your details; changes require a new review.

What you provide

For team-leader offers, only the team’s recipient supplies payment details for platform settlement. Sellers accept their earnings terms and see their history; their team leader handles payment outside RafikiLoop. Sellers need a personal payment profile here only for earnings paid directly by RafikiLoop.

The form asks for your legal name, individual or business status, country of residence or registration, country of tax residence, tax identifier if available, account holder name, and bank or M-PESA payment destination. We also keep submission versions, review decisions and the recipient version linked to a recorded payout.

An unavailable tax identifier does not mean you are exempt from tax. We may ask for clarification before approving your details.

Never enter an M-PESA PIN, password or one-time code. A KRA PIN is a tax identifier, not your M-PESA security PIN. This form does not ask for identity-document uploads.

Who can see payment details

You can view your own payment profile. Authorised platform administrators can access it for review and payment administration. A team owner manages the team’s separate recipient profile and cannot access a seller’s private payment profile or individual payout records. Leaving a team does not remove your personal profile or earned payment history.

Payment information may be provided to the bank or payment provider handling a transfer, and to authorised advisers or authorities where needed for financial administration or applicable obligations.

Hosting and international access

RafikiLoop uses Supabase for its database and authentication and Vercel for website hosting. The RafikiLoop database is hosted in Frankfurt, Germany. Administration from Sweden can involve access to information outside Kenya. Contact us for information about the service providers and arrangements applicable to your data.

How long information is kept

We retain active payment details while needed for your payment relationship. Financial records, accepted terms, payout evidence and necessary audit history are retained for accounting, tax, dispute and other applicable requirements. Ending team membership does not erase earned commissions or supporting records.

Unused replaced payment details can be considered for manual minimisation no earlier than 90 days after the replacement was submitted. A closed profile requiring more information can be considered no earlier than 180 days after its documented closure. Customer links, payouts, payment evidence, unresolved matters and preservation holds can prevent minimisation. These are review points, not automatic deletion deadlines.

Minimisation removes selected payment details while preserving necessary identifiers and review history. Backups and technical logs follow separate retention processes; removing details from the live system does not immediately remove every backup copy.

Questions, corrections and requests

You can update payment details from your workspace. To request access, correction, restriction or deletion, or to raise a privacy concern, email info@afriqahome.com. We may need to verify your identity and explain which records must be retained. Do not send passwords or M-PESA security PINs by email.

This notice concerns RafikiLoop payment recipients. Campaign customers make their separate referral-sharing choice in the product where they register.

Optional workspace guide

If you start “Show me around”, your browser temporarily remembers the current step and selected campaign for your account and workspace in this tab. The guide resumes for up to 30 minutes after your last step. Closing or finishing the guide clears this temporary state. It does not send guide activity to our servers or measure sales.