This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
Kuva encourages you to review the privacy statements of websites you choose to navigate to from the Kuva website or the Apps so that you can understand how those websites collect, use and share your information. Kuva is not responsible for the privacy statements or other content on websites outside of the Apps.
Collection of your Personal Information
Kuva may collect and process personal data, such as your name and email address if you enter these on the contact form on our website or to fulfil our contractual obligations pursuant to the Kuva Local App services including to invoice and receive payment for services, send legal updates, news and information about our services and related services. We may gather additional personal or non-personal information in the future.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Identity Data includes first name, maiden name, last name, username or similar identifier, marital status, title, date of birth, gender, and social media accounts.
Contact Data includes billing address, delivery address, email address and telephone numbers.
Financial Data includes bank account and payment card details.
Transaction Data includes details about payments to and from you and to others and other details of services you have purchased from us.
Technical Data includes internet protocol (IP) address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, device model and other technology on the devices you use to access this website or our software.
Profile Data includes your username and password, purchases, orders or contributions made by you, your interests, preferences, feedback and survey responses.
information about how you use our website and services.
Marketing and Communications Data includes your preferences in receiving marketing from us and
our third parties and your communication preferences.
Compliance Data includes information required by regulators or law enforcement under compliance procedures (e.g. AML/KYC) or applicable law in connection with efforts to prevent money laundering, criminal activity and terrorist financing, such as relationship to the beneficiary of the transaction, the purpose of the transaction and proof of funds.
In the course of providing our services we may collect Special Categories of Personal Data (such as details about race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health and genetic and biometric data) and information about criminal convictions and offences.
How is your personal data collected?
We use different methods to collect data from and about you including through:
Direct interactions. You may give us your name, email address and contact details in person, or by filling in forms on our Kuva Local App or website or by corresponding with us by post, phone, email, social media or otherwise. This includes personal data you provide when you:
Automated technologies through the use of our website or services . In your use of our website or services (including receiving our newsletter), certain Usage Data is transmitted to us such as the device you are using, your IP address and other such data.
Third parties or publicly available sources. We may receive personal data about you from various third parties as set out below:
Where we need to collect personal data by law, or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with ours services). In this case, we may have to cancel the services you have with us but we will notify you if this is the case at the time.
Purposes for which we will process your personal data
Kuva collects and uses your personal information to operate its Apps and website(s) and deliver the services you have requested including processing your account application. We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:
Generally we do not rely on consent as a legal basis for processing your personal data other than in relation to sending third party direct marketing communications to you via email or text message (although we may also rely on legitimate interests). You have the right to withdraw consent to marketing at any time by contacting us.
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.
Type of data
Lawful basis for processing including basis of legitimate interest
To register you as a new user
(a) Identity (b) Contact
Performance of a contract with you
To process and deliver services including:
(a) Manage payments, fees and charges
(b) Make a decision regarding your identity and whether to provide an account or wallet or transfer tokens
(c) Collect and recover money owed to us
(e) Marketing and Communications
(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to recover debts due to us)
(c) Necessary to comply with a legal obligation
To enable you to partake in a prize draw, competition or complete a survey
(a) Identity (b) Contact (c) Profile (d) Usage
(e) Marketing and Communications
(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to study how users use our services, to develop them and grow our business)
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data)
(a) Identity (b) Contact (c) Technical
(a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business
reorganisation or group restructuring exercise)
(b) Necessary to comply with a legal obligation
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you
(e) Marketing and Communications
Necessary for our legitimate interests (to study how users use our services, to develop them, to grow our business and to inform our marketing strategy)
To use data analytics to improve our website, products/services, marketing, customer relationships and experiences
(a) Technical (b) Usage
Necessary for our legitimate interests (to define types of users suitable for our services, to keep our website or app updated and relevant, to develop our business and to inform our marketing strategy).
To make suggestions and recommendations to you about goods or services that may be of interest to you
(a) Identity (b) Contact (c) Technical (d) Usage (e) Profile
Necessary for our legitimate interests (to develop our services and manage the trust).
To comply with any laws or regulations that apply to us, for example investigating fraudulent claims, carrying out fraud, credit and anti-money laundering checks and preventing other crimes.
(a) Identity (b) Contact (c) Technical (d) Usage (e) Profile
(a) Performance of a contract with you
(b) Necessary for our legitimate interests (to prevent fraud and criminal activity).
(c) Necessary to comply with a legal obligation.
Kuva may also use your personally identifiable information to inform you of other products or services available from Kuva and our partners. Kuva may also contact you via surveys to conduct research about your opinion of our website and services. Kuva does not sell, rent or lease or provide in any other way its customer lists to third parties.
Kuva may keep track of the websites and pages our users visit within the Apps or Kuva website and services which our users access. This data is used to deliver customised content within the Apps and Kuva website to users whose behaviour indicates that they are interested in a particular subject area.
Change of purpose
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.
If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.
Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
Transfer of Personal Data
We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions and applicable law. You agree that Kuva may share data with trusted partners to help provide our services including to perform electronic ID verification checks, KYC/AML compliance checks, credit-checks, fraud prevention, facilitate our foreign exchange transactions, statistical analysis, send you email or postal mail, provide customer support and IT support, or securely store your data. All such third parties are required to maintain the confidentiality of your information.
Whenever we transfer your personal data out of the EEA or UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
Kuva will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to:
(a) conform to the edicts of the law or regulation comply with legal process served on the Kuva site or Apps;
(b) protect and defend the rights or property of Kuva; and,
(c) act under exigent circumstances to protect the personal safety of users of Kuva, or the public.
Additional Information regarding Third Party Tracking Services
Personal Data is collected for the following purposes and using the following services:
The services contained in this section enable Kuva to monitor and analyze web traffic and its Apps and can be used to keep track of User behavior.
Google Analytics (Google Inc.)
Google Analytics is a web analysis service provided by Google Inc. (“Google”). Google utilizes the Data collected to track and examine the use of www.kuva.com and the Apps, to prepare reports on its activities and share them with other Google services. Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
Google Tag Manager (Google Inc.)
Google Tag Manager is an analytics service provided by Google Inc.
Personal Data collected: Cookies and Usage Data.
Google AdWords conversion tracking (Google Inc.)
Google AdWords conversion tracking is an analytics service provided by Google Inc. that connects data from the Google AdWords advertising network with actions performed on www.Kuva.com.
Facebook Ads conversion tracking (Facebook, Inc.)
Facebook Ads conversion tracking is an analytics service provided by Facebook, Inc. that connects data from the Facebook advertising network with actions performed on www.Kuva.com.
Personal Data collected: Cookies and Usage
• Interaction with external social networks and platforms
This type of service allows interaction with social networks or other external platforms directly from our website and our Apps. The interaction and information obtained through our websites are always subject to the User’s privacy settings for each social network. This type of service might still collect traffic data for the pages where the service is installed, even when Users do not use it.
Facebook Like button and social widgets (Facebook, Inc.)
The Facebook Like button and social widgets are services allowing interaction with the Facebook social network provided by Facebook, Inc.
LinkedIn button and social widgets (LinkedIn Corporation)
The LinkedIn button and social widgets are services allowing interaction with the LinkedIn social network provided by LinkedIn Corporation.
Twitter Tweet button and social widgets (Twitter, Inc.)
The Twitter Tweet button and social widgets are services allowing interaction with the Twitter social network provided by Twitter, Inc.
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
Kuva will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements. Data reviewed regularly for relevance. Any data deemed no-longer relevant is deleted. Kuva shall keep personal data of users for at least seven years from the date of closing an account. If your account application is declined Kuva will keep this personal data for 5 years from the decision. If your account is subject to any dispute or complaint it will keep personal data relating to this issue for 6 years from the case being closed. Kuva shall keep staff HR-related personal data of employees and consultants for at least seven years. Kuva shall keep emails of clients and prospective clients for as long as it has a legitimate interest to do so.
If you have a question about our data retention periods please contact us at email@example.com
Children Under Thirteen
Kuva does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website or our services.
Opt-Out & Unsubscribe
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Kuva by contacting us or selecting the “Unsubscribe” option on their email.
Your Legal Rights
You have the right to:
initially provided consent for us to use or where we used the information to perform a contract
No fee usually required.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
What we may need from you
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.
Time limit to respond
We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
The Kuva website may use “cookies” to help
you personalize your online experience.
A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.
One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you visit a Kuva website or service, a cookie helps Kuva to recall your information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Kuva website, the information you previously provided can be retrieved, so you can easily use the Kuva features that you customized.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Kuva services or websites you visit.
Kuva may also use other technologies with similar functionality to cookies, such as web beacons and tracking URLs. Kuva may also use web beacons and tracking URLs in emails to determine whether a recipient opened the email or accessed a certain link.
Kuva may use the following cookies:
The law allows us to store cookies on your computer if they are essential to the operation of our website. We need your consent to set non-essential cookies on your computer.
When you use our website for the first time we give you the opportunity to accept or decline cookies.
If you wish to withdraw consent for any reason, please contact firstname.lastname@example.org.
Some of the cookies we use are essential if the website is to operate properly. If you decline them, some of the features of the website may not work as well as we intend and you may not be to access or use some features.
Unless you have set your browser so that it will decline cookies, our system will set some cookies as soon you use the website.
You block cookies by activating the setting on your browser that allows you to refuse the setting of all or some cookies. For information about this you should look in your browser’s ‘help’ facility. However, if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our website.
Links providing information regarding how you can control access to cookies for the major browsers are provided below:
If you have previously used the Service and no longer wish to accept cookies, you should be aware that some cookies will have been set. You may delete these cookies at any time by following the instructions at: https://www.aboutcookies.org/how-to-delete-cookies/ . More information on cookies can be found on allaboutcookies.org. In addition, the Digital Advertising Alliance (DAA) also provides a website that allows you to opt-out of cookies for various participating companies at www.optout.aboutads.info
We use Google Analytics. The information generated by the Google Analytics cookie (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Service, compiling reports on activity and providing other services relating to activity and internet usage.
Google may also transfer this information to third parties where required to do so by law, or where third parties process the information on Google’s behalf.
To see more information on the cookies set by Google Analytics see: Cookies and Google Analytics. To opt out of being tracked by Google Analytics across all websites
Effective date: 1 January 2021