Privacy Policy

1. Introduction

Kinosh Innovations LLC ("Company," "we," "us," or "our") operates the Kapash mobile banking application ("App"). We are committed to protecting your privacy and ensuring the security of your personal and financial information.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Kapash App. Please read this Privacy Policy carefully. By using the App, you consent to the data practices described in this policy.

2. Information We Collect

We collect information that you provide directly to us and information that is automatically collected when you use the App.

2.1 Personal Information

When you create an account or use our services, we may collect:

• Name, email address, phone number, and date of birth
• Government-issued identification documents for account verification
• Address and location information
• Biometric data (fingerprint, face ID) for authentication
• Profile photo and other information you choose to provide

2.2 Financial Information

To provide financial services, we collect:

• Bank account numbers and routing information
• Payment card information (stored securely and encrypted)
• Transaction history and account balances
• Cryptocurrency wallet addresses and trading history
• Investment portfolio information

2.3 Technical Information

We automatically collect certain technical information when you use the App:

• Device information (model, operating system, unique device identifiers)
• IP address and location data
• App usage data and analytics
• Log files and error reports

3. How We Use Your Information

We use the information we collect to:

• Provide and Improve Services: Process transactions, manage your account, and enhance app functionality
• Verify Identity: Comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations
• Security and Fraud Prevention: Detect and prevent fraud, unauthorized access, and other security threats
• Customer Support: Respond to your inquiries, provide technical support, and resolve issues
• Legal Compliance: Comply with applicable laws, regulations, and legal processes
• Personalization: Customize your experience and provide personalized recommendations
• Communications: Send you important updates, security alerts, and promotional communications (with your consent)

4. Information Sharing and Disclosure

We do not sell your personal information. We may share your information only in the following circumstances:

4.1 Service Providers

We may share information with trusted third-party service providers who assist us in operating the App, processing transactions, and providing services. These providers are contractually obligated to protect your information and use it only for the purposes we specify.

4.2 Financial Partners

We may share information with banking partners, payment processors, and financial institutions necessary to provide our services, including MonCash, NetCash, and other integrated services.

4.3 Legal Requirements

We may disclose information if required by law, court order, or government regulation, or to protect our rights, property, or safety, or that of our users or others.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

4.5 With Your Consent

We may share your information with third parties when you explicitly consent to such sharing.

5. Data Security

We implement industry-standard security measures to protect your information:

• 256-bit SSL Encryption: All data transmitted between your device and our servers is encrypted
• Biometric Authentication: Fingerprint and face ID protection for account access
• Two-Factor Authentication: Additional security layer for sensitive operations
• Secure Data Storage: Financial data is stored in encrypted databases with restricted access
• Regular Security Audits: We conduct regular security assessments and maintain SOC 2 compliance
• Fraud Monitoring: Advanced systems to detect and prevent fraudulent activity

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information (subject to legal and regulatory requirements)
• Portability: Request transfer of your data to another service provider
• Opt-Out: Unsubscribe from marketing communications
• Objection: Object to certain processing activities

To exercise these rights, please contact us at privacy@kapashapp.com. We will respond to your request within a reasonable timeframe.

7. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records may be retained for longer periods as required by law or regulation.

When you delete your account, we will delete or anonymize your personal information, except where we are required to retain it for legal, regulatory, or legitimate business purposes.

8. Cookies and Tracking Technologies

The App may use cookies, web beacons, and similar tracking technologies to enhance your experience, analyze usage patterns, and improve our services. You can control cookie preferences through your device settings, though this may affect app functionality.

9. Children's Privacy

The Kapash App is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete such information promptly.

10. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that differ from those in your country. We take appropriate safeguards to ensure your information receives adequate protection in accordance with this Privacy Policy.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes by posting the updated policy in the App or by other means. Your continued use of the App after such changes constitutes your acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

13. Related Documents

Please also review our other important policies:

• Terms and Conditions
• Security Information
• Support and Help Center