Privacy Policy
KPpay Platform
Introduction
This Privacy Policy describes the information we process to provide the products and services available through KPpay and the measures we have in place to protect them. It aims to inform you about how we collect, use, and protect your personal data, and about your rights under applicable data protection laws.
By using KPpay services, you agree to the practices described in this Privacy Policy. Please read it carefully and contact us if you have any questions.
1. Data Controller
The data controller responsible for your personal data is KPpay, a subsidiary of K-POLYGONE, located at [company address], registered under number [registration number]. You can contact us at: [contact email address].
2. Contact Information of the Data Protection Officer
You can contact our Data Protection Officer (DPO) at the following email address: kppay@k-Polygone.com.
3. Personal Data We Collect
3.1 Data Collected Directly
We collect the following information when you create your account and use our services:
- •Personal Details: Full name, date of birth, nationality, marital status, professional situation, income, and assets.
- •Contact Information: Postal address, email address, phone number.
- •Contractual Information: Details about the products and services we have provided to you.
- •Identification Documents: Copies of identification documents (national ID card, passport), proof of address.
- •Financial Data: Details of your transactions, account movements, bank account numbers, credit/debit card information.
- •Communications: Correspondence, emails, and recordings of telephone conversations with our customer service.
3.2 Data Collected Indirectly
- •Location Data: IP address, location data from your mobile device.
- •Technical Data: Information about the device used (model, operating system), unique device identifiers.
- •Usage Data: Information about how you use our services, including interactions with our website and mobile application.
4. Purpose of Data Processing
Your personal data is collected and processed for the following purposes:
4.1 Contract Execution
- •Account Management: Creating and managing your KPpay account.
- •Transaction Processing: Executing payments, money transfers, and other financial operations.
- •Customer Service: Providing assistance, handling requests, and resolving issues.
4.2 Legal and Regulatory Compliance
- •Fraud Prevention: Preventing, detecting, and managing fraud.
- •Anti-Money Laundering and Counter-Terrorism Financing: Complying with legal obligations for monitoring and reporting.
- •Compliance: Adhering to applicable laws, including tax and regulatory requirements.
4.3 Legitimate Interests
- •Service Improvement: Analyzing data to improve and personalize our products and services.
- •Security: Protecting your information and our systems from unauthorized access and cyberattacks.
- •Marketing: With your consent, informing you about offers, promotions, and new services that may interest you.
5. Legal Basis for Processing
- •Contract Execution: Processing is necessary for the performance of the contract you have with KPpay.
- •Legal Obligations: Processing is necessary to comply with legal obligations to which KPpay is subject.
- •Legitimate Interests: Processing is necessary for the purposes of legitimate interests pursued by KPpay, such as fraud prevention and service improvement.
- •Consent: For specific purposes, we may request your prior consent.
7. Data Retention Period
Your data is retained for the duration necessary for the purposes for which it was collected:
- •Contractual Data: For the duration of our contractual relationship, then archived for 7 years to comply with legal obligations.
- •Marketing Data: Until you withdraw your consent or after a period of inactivity.
- •Connection Logs: Retained for 1 year in compliance with legal obligations.
8. Data Security
We implement appropriate technical and organizational measures to protect your data against destruction, loss, alteration, unauthorized disclosure, or access:
- •Encryption: Of sensitive data during transmission.
- •Access Controls: Restricted access to authorized personnel only.
- •Regular Testing: Security audits and penetration tests to detect vulnerabilities.
9. Your Rights
9.1 Right of Access
You have the right to request access to the personal data we hold about you.
9.2 Right to Rectification
You can request the correction of inaccurate or incomplete data.
9.3 Right to Erasure
You have the right to request the deletion of your personal data, subject to KPpay's legal obligations.
9.4 Right to Restrict Processing
You can request the restriction of processing of your data under certain circumstances.
9.5 Right to Object
You have the right to object to the processing of your data for legitimate reasons, including for direct marketing purposes.
9.6 Right to Data Portability
You can request to receive your data in a structured, commonly used, and machine-readable format or have it transmitted directly to another data controller.
9.7 Withdrawal of Consent
For processing based on your consent, you may withdraw it at any time.
9.8 Exercising Your Rights
To exercise your rights, please contact us at: kppay@k-Polygone.com.
11. Children's Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children.
12. Changes to the Privacy Policy
We may update this Privacy Policy. Any significant changes will be notified to you via email or a notice on our website.
13. Contact
If you have any questions or concerns regarding this Privacy Policy, please contact us:
- •Address: [KPpay Address]
- •Email: kppay@k-Polygone.com
- •Phone: [Customer Service Phone Number]
14. Right to Lodge a Complaint
If you believe your rights have not been respected, you have the right to lodge a complaint with the relevant supervisory authority in your country.