KogoPAY Privacy Policy

1. Who Are We

KogoPAY (UK) Limited (Company No. 8439416) is a payment institution regulated in the United Kingdom. We act as the data controller for your personal information.

Contact:

• Email: customerservice@kogopay.com
• Website: www.kogopay.com
• Address: ZRS Building 3, North London Business Park, Oakleigh Road South, London, N11 1NP, UK

2. What Personal Information We Collect

Identity & Contact

• Name, date of birth, nationality
• Email, phone number, address
• Government ID

Financial Information

• Bank and card details
• Transaction history

Technical Data

• IP address, browser, device
• Website usage and cookies

Compliance Data

• AML / KYC verification data

3. Why We Use Your Data

• To provide payment services (contract)
• Identity verification (legal obligation)
• Fraud prevention
• Service improvement
• Communication & marketing (with consent)

4. If You Do Not Provide Data

We cannot provide services or open accounts without required information.

5. Sharing Your Data

• Payment partners
• Verification agencies
• Banks and processors
• Regulators and law enforcement
• IT and cloud providers

We do not sell your data.

6. International Transfers

We may transfer data outside the UK with appropriate safeguards such as ICO-approved clauses.

7. Data Retention

We retain data for at least 6 years after account closure or last transaction.

8. Cookies

• Essential cookies
• Analytics cookies
• Preference cookies
• Marketing cookies (with consent)

9. Marketing

You can opt out anytime via unsubscribe link or email.

10. Your Rights

• Access your data
• Correct data
• Delete data
• Restrict processing
• Object to processing
• Data portability
• Withdraw consent

11. Complaints

You can contact us or raise complaints with the UK Information Commissioner’s Office (ICO).

• Website: https://ico.org.uk/concerns/
• Phone: 0303 123 1113

12. Updates

This policy may be updated. Latest version will always be on our website.