Data Deletion Request Instructions

At Kiakia, we respect your privacy and give every user the right to request deletion of their personal data. If you would like your data to be deleted from our system, please follow the instructions below.

How to Request Data Deletion

To request deletion of your account and related personal information, send an email to:

📧 helpdesk@kiakia.co

Your email must include:

Full Name (as used on the platform)
Registered Email Address
Reason for Deletion Request (optional)
Statement of Authorization
"I am requesting permanent deletion of my personal data associated with this account."

Once your request is received, our team will begin processing the deletion and notify you once it is complete.

Our Data Deletion Policy

Kiakia processes data deletion requests in line with:

Nigerian Data Protection Act (NDPA 2023)
Central Bank of Nigeria (CBN) KYC, Consumer Protection, and AML/CFT Regulations
Global best practices on data privacy and financial record management

Because we operate as a financial services platform, some data cannot be deleted immediately due to regulatory obligations.

1. Immediate Deletion (General Personal Data)

The following types of data will be removed as soon as your request is verified:

Profile information (name, address, profile photo, etc.)
Login and authentication records
Marketing preferences
Device information & non-essential logs

This data will be deleted within 30 days of your request.

2. Data We Must Retain (Regulatory Reasons)

Under CBN KYC/AML regulations, Kiakia is legally required to retain certain data for a minimum of 5 years after account closure or final transaction.

This includes:

KYC documents (ID, BVN, proof of address)
Loan applications & loan history
Transaction logs & repayment records
Financial audit trails
Compliance-related logs

These records cannot be deleted immediately, even upon request.

This requirement comes from:

CBN KYC Regulations – Mandatory 5-year retention
CBN AML/CFT Regulations – Audit & fraud-prevention requirements
CBN Consumer Protection Framework
NDPA Section 37 – Allows retention when "required by another law for compliance, fraud prevention, or audit purposes."

3. What Happens After the 5-Year Retention Period?

Once the mandatory retention period expires:

All regulated data will be securely deleted or anonymized.
No copies will be stored or accessible.
You may request confirmation of destruction after the retention period if desired.

How We Process Your Request

Once we confirm your identity:

Your account will be deactivated.
All deletable data will be erased within 30 days.
Regulated financial data will be locked and retained only for compliance.
You will receive an email confirming the completion of the process.

Questions or Clarifications?

For further assistance or regulatory inquiries, contact: