compliance

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2. docs/security/compliance.md

# Compliance & Regulatory Considerations 📜

## Overview

The M-PESA Analytics Platform is designed with compliance in mind, especially for the Kenyan and East African market.

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## Current Compliance Features

- **Data Isolation**: Schema-per-tenant & row-level security
- **Audit Logging**: All actions logged with user and tenant context
- **Consent Management**: Ready for user data consent tracking
- **Encryption**: Sensitive data encrypted at rest and in transit
- **Access Control**: Strict RBAC + tenant boundaries

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## Key Regulations Addressed

| Regulation                      | How We Comply                                             |
| ------------------------------- | --------------------------------------------------------- |
| **Data Protection Act (Kenya)** | Tenant isolation, consent tracking, right to be forgotten |
| **KRA Requirements**            | Transaction audit trails, accurate reporting              |
| **Central Bank Guidelines**     | Secure payment data handling                              |
| **GDPR (for international)**    | Data minimization, processing records                     |

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## Security Standards

- OWASP Top 10 mitigation
- Secure coding practices
- Regular security audits (planned)
- Vulnerability scanning in CI/CD

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## Future Compliance Roadmap

- Full SOC 2 readiness
- ISO 27001 certification path
- PCI-DSS alignment for payment data
- Automated compliance reporting
- Data residency options (Kenya-only servers)

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**Note**: This platform is built to support regulated financial services. Always consult legal/compliance experts for production use.