Privacy Policy

At Kori Pay, we take your privacy seriously. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our platform and services.

1. Information We Collect

We collect the following types of information:

• Personal identification: full name, date of birth, nationality, government-issued ID
• Contact information: email address, phone number, physical address
• Financial information: bank account details, mobile money accounts, transaction history
• Device information: IP address, device type, operating system, browser type
• Usage data: pages visited, features used, timestamps, interaction patterns

2. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our services
• Process transactions and send related notifications
• Verify your identity and comply with KYC/AML regulations
• Detect and prevent fraud, unauthorized transactions, and abuse
• Communicate with you about updates, promotions, and support
• Analyze usage patterns to improve user experience
• Comply with legal obligations and regulatory requirements

3. Data Sharing

We do not sell your personal data. We may share your information with:

• Licensed financial partners and payment processors to facilitate transactions
• Regulatory authorities and law enforcement when required by law
• Service providers who assist us in operating the platform (under strict confidentiality agreements)
• Business partners with your explicit consent

4. Data Security

We implement industry-standard security measures to protect your data, including encryption in transit and at rest, secure server infrastructure, regular security audits, and access controls. However, no method of electronic transmission or storage is 100% secure.

5. Data Retention

We retain your personal data for as long as your account is active or as needed to provide services. We may also retain data as required by law, to resolve disputes, or to enforce our agreements. When data is no longer needed, it is securely deleted or anonymized.

6. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you
• Request correction of inaccurate data
• Request deletion of your data (subject to legal requirements)
• Object to or restrict certain processing activities
• Data portability — receive your data in a structured format
• Withdraw consent at any time where processing is based on consent

7. Cookies and Tracking

We use cookies and similar technologies to enhance your experience, analyze usage, and personalize content. You can manage cookie preferences through your browser settings. Essential cookies required for platform functionality cannot be disabled.

8. Children's Privacy

Kori Pay is not intended for use by individuals under the age of 18. We do not knowingly collect personal data from children. If we become aware of such collection, we will promptly delete the data.

9. International Transfers

Your data may be processed in countries other than your own. We ensure appropriate safeguards are in place for cross-border data transfers in compliance with applicable data protection laws.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes via email or in-app notification. The "Last updated" date at the top reflects the most recent revision.

11. Contact Us

For any questions or concerns about this Privacy Policy or your personal data, contact us at privacy@kori.ml or visit our Help Center.