You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues www.ico.org.uk/esdwebpages/search). We would, however, appreciate the chance to deal with your concerns before you approach the ICO so please contact us in the first instance using the email address above. Our registration number is 13724208.
For the purpose of the applicable data protection legislation (meaning, prior to 25 May 2018 the Data Protection Act 1998 and from 25 May 2018 the General Data Protection Regulation and any legislation which implements it) (the “Data Protection Legislation”).
It is important that the personal data we hold about you is accurate and current. Please keep us informed if any of the details you provide to us should change, during the course of your relationship with us.
The data we collect about you. You may give us information about you when you register with our website www.kuda.com or our Mobile Application or by communicating with us by phone, email or otherwise. This may include data that we receive when you create a profile on our website and App. This also includes information you provide when you subscribe to our services, provide us with feedback, participate in surveys, and when you report a problem with our website and Mobile Application. The information you give us may include your name, address, email address, phone numbers, date of birth, marital status, identity documents, username (or similar identifier). This may include financial data relating to your means and method of payment such as your bank and card details. It may include salary, job title and company information. It may include data relating to the transactions you have carried out with us, such as details about payments. If you engage with us through social media then this may also include your social media contact details.
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.
Where we are acting as an agent and we need to collect personal data to enter you into a contract with the supplier, we may not be able to take steps to enter you into that contract if you fail to provide the data when requested.
In other words, where we require details from you in order to provide you with your chosen services, if you do not provide us with the necessary details then we will not be able to provide (or arrange for the provision of) the services you want.
We use an automated decision-making system to determine whether a user has provided appropriate authentication to engage with the application, including verification of Personally Identifiable Information (“PII”). This includes: (i) matching PII against national databases, publicly available information, sanctions lists, lists of politically exposed persons and other databases that provide information on potentially illegal activity; (ii) comparison by facial recognition of your selfie image against the image provide with your identification document or other database containing your image; and (iii) tracking your PII in the context of automated monitoring of transactions undertaken by you to look for potentially fraudulent or illegal activity. In the event that we receive an automated report that there is a discrepancy, insufficiency or inaccuracy in the information provided by you, we receive a response from a service provider that your information appears on a list that prohibits our engaging with you, suggests the potential for fraudulent or illegal activity, or if our automated transaction monitoring uncovers the potential for your transactions to be fraudulent or illegal, our compliance and customer service teams will engage to review the background information that generated the automated response and determine if the information provided about you is incorrect and we can proceed to either onboard you as a user or continue to allow your use of the Application and if there is still a need for additional information, we may contact you (most likely via SMS message or email) to seek additional information or clarification. If we are unable to continue with you as a user on our platform, we may provide you with the basis for the decision.
You are also able at any time to withdraw any consent to receive marketing communications that you have given to us. You can do this by contacting us at firstname.lastname@example.org. Details of how to contact us can also be found at kuda.com/en-gb.
Please provide us with your full name, address and other contact details to enable us to find your records. Sometimes we may also need to contact you further to ask you for additional information so that we can comply with your request.
Our website and Kuda Mobile Application may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own Privacy Policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.