Privacy Policy

Kappa Pay Inc. and its affiliates ("Kappa Pay," "we," "us," or "our") respect your privacy. This Privacy Policy describes the processing of Personal Information (defined below) that is provided, collected, or shared on the sites, applications, social media pages, or other platforms that link to this Privacy Policy (collectively, the "Service"). It also describes your choices about collecting, sharing, and using your Personal Information.

1. Personal Information We Collect

"Personal Information" means information that uniquely identifies, relates to, describes, or is reasonably capable of being associated with or linked to you and/or your business.

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driving licence or other identifying documents.

The types of Personal Information we may collect include:

• Contact Information – such as your name, address, date of birth, email address, phone number, and identification documents.
• Financial Information – including social security number, national ID number, and bank account information.
• Location Data – shared by your mobile device or browser, via Wi-Fi and GPS, depending on your settings.
• Usage Information – such as IP address, browser type, referring URLs, and interactions with our Service.
• Communication Information – including any data in files you upload or provide, and the contents of your communications with us.

2. How We Collect Your Personal Information

We may collect Personal Information:

• Directly from you, for example, when you register for an account or request services.
• From third parties, including business partners, analytics providers, or marketing networks.
• Through online tracking technologies, such as cookies, web beacons, pixels, and device identifiers. You can usually manage cookies via your browser settings.
• Through analytics tools, such as Google Analytics. More information is available at: https://policies.google.com/technologies/partner-sites

3. How We Use Personal Information

To the extent permitted by applicable law, we may use Personal Information to:

• Operate and support our services;
• Fulfil customer requests;
• Prevent and detect fraud or misuse;
• Respond to your feedback or enquiries.
• Improve, personalise and secure the Service;
• Conduct audits, analytics and research;
• Market and promote our services;
• Meet legal and regulatory obligations;
• Respond to employment enquiries;
• Comply with our internal policies and governance requirements.

4. Sharing of Personal Information

We may share Personal Information:

• To comply with legal obligations or protect the rights, safety, or property of Kappa Pay and others;
• As part of a business transfer, such as a merger or acquisition;
• With service providers, for example, those who help operate the Service or perform essential functions;
• With trusted business partners, including co-sponsors of events or services;
• For marketing purposes, where permitted by law.

All third parties handling data on our behalf are contractually bound to ensure appropriate safeguards and use restrictions.

5. Know Your Customer (KYC) and AML Compliance

As a regulated payments provider, we are legally required to collect and retain identity and verification information under AML, CTF and KYC obligations. This includes government-issued identification, utility bills, or tax documentation. Such data is used solely for regulatory compliance purposes.

6. Automated Decision-Making and Profiling

We may use automated tools to detect fraud, assess risk, or comply with legal duties. These systems analyse data to determine whether transactions or activities are legitimate. If you believe a decision has been made in error, please contact us for review.

7. International Data Transfers

Your Personal Information may be processed or stored outside your country of residence, including in the United States or other jurisdictions. Where applicable, we implement appropriate safeguards (such as Standard Contractual Clauses) to protect your information in line with relevant data protection laws.

8. How Long Do We Keep Your Personal Information

We retain Personal Information only for as long as necessary to fulfil the purposes outlined in this Policy or to meet legal, regulatory, or internal policy requirements.

9. How We Protect Your Personal Information

We apply commercially reasonable safeguards to secure your Personal Information. However, no system is entirely secure, and we cannot guarantee its absolute protection during transmission or storage.

10. Your Rights and Choices

You have the right to:

• Access, correct, or delete your Personal Information;
• Object to or restrict processing;
• Withdraw consent (where applicable);
• Lodge a complaint with a supervisory authority;
• Opt out of direct marketing communications.

To exercise your rights or make a request, contact us at hello@kappapay.com.

11. Opting Out of Communications

To opt out of marketing messages, email us at unsubscribe@kappapay.com or follow the unsubscribe link in the communication. Even if you opt out, we may still contact you with service-related messages.

12. State and Country-Specific Rights

Nevada, Vermont, California, and other US residents have specific rights regarding information sharing and marketing. See the original Privacy Policy for full details.

Residents of the European Economic Area (EEA), the UK, and Nigeria have additional rights under GDPR and local data protection laws. These include stronger rights to access, rectification, restriction, objection, and portability.

13. Children’s Privacy

We do not knowingly collect information from individuals under 18. If you believe we have collected such data, please contact us.

14. Third-Party Websites

We are not responsible for the privacy practices of websites we link to. We recommend you review their privacy policies before disclosing information.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. If changes are material, we will notify you where required. Continued use of the Service after updates indicates acceptance.

16. Contact Us

For questions or concerns, contact:
Kappa Pay Inc.
75 State Street, 1st Floor, Boston, MA 02109 USA
Phone: +1 (833) 922-8222
Email: hello@kappapay.com