Privacy Policy

1Introduction

Koinflow ("we," "our," or "us") provides a stablecoin wallet and financial services platform tailored to Africa's digital economy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

2Information We Collect

• Personal Information: Name, email, phone number, national ID/passport, address.
• Financial Information: Wallet addresses, transaction history, linked payment methods (e.g., M-Pesa).
• Compliance Data: KYC/KYB documents, AML checks.
• Usage Data: Device type, IP address, browser, app interactions.

3How We Use Your Information

• Provide and improve Koinflow services.
• Process payments, transfers, and stablecoin conversions.
• Conduct identity verification (KYC/KYB) and regulatory compliance checks.
• Prevent fraud, money laundering, and unauthorized activity.
• Communicate updates, offers, and service-related notices.

4Sharing of Information

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

• Service Providers: Payment processors, compliance partners, hosting providers.
• Regulatory Authorities: As required by law (AML/CTF, CBK, GDPR).
• Business Partners: Only with your consent or for delivering requested services.

5Data Retention

We retain your data as long as necessary for legal, regulatory, and business purposes. When no longer needed, we securely delete or anonymize it.

6Your Rights

Depending on your jurisdiction (e.g., GDPR in EU, Data Protection Act in Kenya), you may have the right to:

• Access, correct, or delete your data.
• Restrict or object to certain processing.
• Request data portability.

7Security

We use enterprise-grade encryption, secure storage, and continuous monitoring to protect your data. No system is 100% secure, but we work to minimize risk.

8Cross-Border Data Transfers

Your data may be transferred to and processed in countries outside your jurisdiction. We ensure adequate safeguards in line with data protection laws.

9Updates

We may update this Privacy Policy periodically. Changes will be posted on our website and app, with updated effective dates.