Privacy Policy

1. What Information Do We Collect?

In Short: We collect personal information that you provide to us, information automatically collected when you use our app or website, and some information from third-party sources.

Personal Information You Provide to Us

We collect personal information that you voluntarily provide when registering an account, using our Services, or contacting us. The types of personal data we may collect include:

• Identity and Contact Data: Your name, email address, telephone number, postal address, and other contact details. We may also collect government-issued identification details for Know-Your-Customer (KYC) verification.
• Account Credentials: When you create an account, we collect login credentials such as username, password, and any security PIN or two-factor authentication codes.
• Financial and Transaction Data: Information needed to process transactions you initiate, including payment details and transaction records.
• Demographic and Profile Data: If you fill out your profile or provide additional details such as your date of birth or occupation.
• Compliance Information: As a regulated financial service, we may need to collect additional details for Anti-Money Laundering (AML) compliance.

Information Collected Automatically

When you use our app or visit our website, certain information is collected automatically about your device and usage:

• Device and Usage Data: We collect data about the device you use to access our Services and how you interact with our app.
• Cookies and Similar Technologies: We use cookies and similar tracking technologies to collect information about your interactions over time.

Information from Third-Party Sources

We may also obtain information about you from other sources, including:

• Identity Verification Services
• Partner Financial Institutions
• Public Databases & Marketing Partners
• Referral and Social Media

2. How Do We Use Your Information?

In Short: We process your information to provide our services, to comply with legal obligations, to improve and secure our platform, and – with your permission – to communicate with you for marketing.

We use personal information collected via Tiki for a variety of business purposes outlined below:

• To Provide and Operate the Service: We use your information to create and manage your user account, and to facilitate the core features of Tiki.
• Account Authentication and Security: Your credentials and identity details are used to authenticate your access and secure your account.
• KYC and Regulatory Compliance: We process personal data to verify your identity and comply with anti-money laundering (AML) laws.
• To Communicate with You: We use contact information to send administrative information and service-related communications.
• To Provide Customer Support: If you contact us with questions or issues, we will use your information to respond and resolve your inquiries.
• For Business Operations and Improvements: We analyze usage information and feedback to improve our product.
• Marketing and Promotional Communications: With your consent, we may use your email or phone number to inform you about new features and special offers.

3. Will Your Information Be Shared With Anyone?

In Short: We do not sell your personal information. We only share your data when necessary to provide our services and run our business.

We may share your data based on the following legal grounds:

• Consent: We may share your personal information if you have given us specific consent to do so.
• Performance of a Contract: We will share data as necessary to fulfill our contract with you.
• Legitimate Interests: We may share information when it is reasonably necessary to achieve our legitimate business interests.
• Legal Obligation: We will disclose your information where we are required to by law or legal process.

Third-Party Service Providers

We share data with vendors and consultants who perform services on our behalf, including payment processors, identity verification services, technology providers, and customer support tools.

4. Do We Use Cookies and Other Tracking Technologies?

In Short: Yes, we may use cookies and similar tracking technologies on our website and mobile app to collect and store information.

Your Choices

You have the ability to control or limit cookies and similar tracking:

• Browser Settings: Most web browsers are set to accept cookies by default. You can usually modify your browser setting to decline cookies.
• Analytics Opt-Out: If we use Google Analytics, you can opt out using the Google Analytics Opt-Out Browser Add-on.

5. How Long Do We Keep Your Information?

In Short: We keep your personal information only as long as necessary to fulfill the purposes described in this policy, unless a longer retention period is required by law.

We maintain your personal information for as long as you have an active account with Tiki or as long as it is needed to provide you with the Services. Beyond that, we will retain data only if it is required for legitimate business purposes.

6. How Do We Keep Your Information Safe?

In Short: We use a combination of technical and organizational security measures to protect your personal data.

We have implemented appropriate safeguards designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, or disclosure. These include:

• Encryption: We transmit data over secure SSL/TLS encryption.
• Access Controls: Personal information is accessible only to those who need it to perform their duties.
• Network & System Security: We use firewalls and intrusion detection systems to protect our systems.
• Testing and Audits: We periodically test our security measures and infrastructure.

7. Do We Collect Information from Minors?

In Short: No. We do not knowingly collect or solicit personal data from children under 18 years of age.

Tiki by Kolomoni is not directed to children and we do not market our services to individuals under 18. By using our platforms, you represent that you are at least 18 years old.

8. What Are Your Privacy Rights?

In Short: You have rights regarding your personal information, including the right to access, correct, delete, and withdraw consent.

Depending on the laws that apply to your situation, your rights may include:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: If any of your personal information is inaccurate, you have the right to ask us to correct it.
• Right to Deletion: You can request that we delete your personal data in certain circumstances.
• Right to Withdraw Consent: Where we rely on your consent to process your data, you have the right to withdraw that consent at any time.

How to Exercise Your Rights

To exercise any of your privacy rights, please contact us via the contact information provided in Section 11. We will respond to your request within a reasonable timeframe and in accordance with applicable law.

9. Controls for "Do Not Track" Features

In Short: "Do Not Track" (DNT) is a setting in many web browsers that requests a web application not to track your online activity. Currently, there is no industry standard on how to respond to DNT signals, so our website does not respond to them.

10. Do We Make Updates to This Policy?

In Short: Yes, we will update this Privacy Policy as necessary to stay compliant with relevant laws and to reflect any changes in our practices.

We may modify or update this Privacy Policy from time to time. When we make updates, we will change the "Last updated" date at the top of this Policy. The updated version will be effective as soon as it is posted or otherwise made available to you.

11. How Can You Contact Us About This Policy?

In Short: If you have questions, concerns, or requests regarding your personal data or this Privacy Policy, you can reach out to us by email or by mail.

Email

You can email us at hi@tikibykolomoni.com for any privacy-related inquiries or requests. Please include "Privacy Inquiry – Tiki" in the subject line so we can route your message to our privacy team.

Mailing Address

If you prefer to contact us by mail, you can reach us at: