Privacy Policy

Introduction

Welcome to KosakPay ("we," "our," or "us"). We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our chit fund management platform and related services.

Information We Collect

Personal Information

We collect information that you provide directly to us, including:

• Name, email address, phone number, and contact details
• Organization name and details
• Payment information (processed securely through third-party payment processors)
• Account credentials and authentication data
• Profile information and preferences
• Camera and Photos: Access to your device's camera and photo library for uploading KYC documents, profile pictures, and other verification purposes.

Usage Information

We automatically collect certain information about your device and how you interact with our services:

• Device information (browser type, operating system, device identifiers)
• IP address and location data
• Usage patterns and interaction with our platform
• Cookies and similar tracking technologies
• Log files and analytics data

How We Use Your Information

We use the information we collect for the following purposes:

• Providing, maintaining, and improving our services
• Processing payments and transactions
• Sending important notifications about your account and services
• Responding to your inquiries and providing customer support
• Analyzing usage patterns to enhance user experience
• Preventing fraud and ensuring platform security
• Complying with legal obligations
• Sending marketing communications (with your consent)

Data Security

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

• Bank-grade AES-256 encryption for data at rest and in transit
• Regular security audits and vulnerability assessments
• Secure authentication protocols including two-factor authentication
• Role-based access control and data segregation
• Regular automated backups with encryption
• Compliance with industry security standards

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

Information Sharing and Disclosure

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

• Service Providers: We share information with third-party service providers who perform services on our behalf (payment processing, analytics, email delivery)
• Legal Requirements: We may disclose information if required by law or in response to valid legal requests
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred
• With Your Consent: We may share information for any other purpose with your explicit consent

Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Data Portability: Request a copy of your data in a portable format
• Opt-Out: Unsubscribe from marketing communications at any time
• Cookie Control: Manage cookie preferences through your browser settings

To exercise these rights, please contact us at privacy@kosakpay.com.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Understand how you use our services
• Improve our platform and user experience
• Provide personalized content and features

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our services.

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. When information is no longer needed, we securely delete or anonymize it.

Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place to protect your information in compliance with applicable data protection laws.

Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us: