Privacy Policy

Last updated: May 2026  ·  Kowry Technologies Ltd  ·  Company No. 17202314

1. Who We Are

Kowry Technologies Ltd ("Kowry", "we", "us", "our") is a company registered in England and Wales (Company No. 17202314), with its registered office at 66 Paul Street, London, EC2A 4NA, United Kingdom.

We operate the platform available at kowry.io and associated mobile applications. For the purposes of data protection law, Kowry Technologies Ltd is the data controller of your personal data.

Contact us: privacy@kowry.io

2. What Data We Collect

2.1 Data You Provide Directly

• Identity data: Full name, date of birth, nationality
• Contact data: Email address, phone number, postal address
• Identity verification: Government-issued ID, passport, proof of address (required for KYC/AML compliance)
• Financial data: Bank account details, mobile money wallet identifiers, transaction history
• Account data: Username, password (hashed), account preferences

2.2 Data Collected Automatically

• Device information (type, operating system, browser)
• IP address and approximate location
• Usage data (pages visited, features used, session duration)
• Cookies and similar tracking technologies (see Section 9)

2.3 Data From Third Parties

• Identity verification providers (KYC/AML checks)
• Mobile money operators (transaction confirmation data)
• Analytics providers (aggregated usage statistics)

3. How We Use Your Data

We use your personal data for the following purposes:

• Service delivery: To create and manage your account, process transactions, and provide platform features
• Legal compliance: To meet our obligations under anti-money laundering (AML) and Know Your Customer (KYC) regulations
• Security: To detect, prevent, and investigate fraud and unauthorised access
• Communication: To send service updates, security alerts, and (with your consent) marketing communications
• Improvement: To analyse usage patterns and improve our platform
• Legal proceedings: To establish, exercise, or defend legal claims

4. Legal Basis for Processing

• Contract: Processing necessary to provide our services to you
• Legal obligation: KYC/AML compliance, tax reporting, regulatory requirements
• Legitimate interests: Fraud prevention, security, platform improvement
• Consent: Marketing communications, optional cookies (you may withdraw consent at any time)

5. Data Sharing

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

• Service providers: Payment processors, KYC verification providers, cloud hosting providers, operating under data processing agreements
• Regulatory authorities: Where required by law, including financial regulators and law enforcement agencies
• Mobile money operators: Transaction data necessary to process your deposits and withdrawals
• Group companies: Kowry subsidiaries, subject to the same data protection standards

All third-party processors are contractually required to protect your data and use it only for the specified purpose.

6. International Transfers

As a platform serving African markets from a UK base, your data may be transferred to and processed in countries outside the UK and EEA. Where this occurs, we ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the ICO or equivalent mechanisms.

7. Data Retention

• Account data: Retained for the duration of your account plus 6 years after closure (UK legal requirement)
• Transaction records: 5 years minimum (AML/Proceeds of Crime Act requirement)
• KYC documents: 5 years from the end of the business relationship
• Marketing data: Until you withdraw consent or we determine it is no longer needed

8. Your Rights

Under UK GDPR, you have the right to:

• Access: Request a copy of the personal data we hold about you
• Rectification: Correct inaccurate or incomplete data
• Erasure: Request deletion of your data (subject to legal retention obligations)
• Restriction: Restrict how we process your data in certain circumstances
• Portability: Receive your data in a structured, machine-readable format
• Object: Object to processing based on legitimate interests or for direct marketing
• Withdraw consent: At any time, where processing is based on consent

To exercise any of these rights, contact us at privacy@kowry.io. We will respond within 30 days. You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.

9. Cookies

We use cookies and similar technologies to operate our platform, remember your preferences, and analyse usage. Categories:

• Essential cookies: Required for the platform to function. Cannot be disabled.
• Analytics cookies: Help us understand how you use the platform. Require your consent.
• Marketing cookies: Used to show relevant content. Require your consent.

You can manage your cookie preferences at any time via the cookie banner or your browser settings.

10. Security

We implement technical and organisational measures to protect your personal data, including 256-bit encryption in transit, hashed password storage, multi-factor authentication, and access controls. No system is completely secure; if you have concerns about your account security, contact us immediately at security@kowry.io.

11. Children

Our platform is not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If you believe a minor has provided us with personal data, contact us at privacy@kowry.io and we will delete it promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or a prominent notice on our platform at least 14 days before they take effect. Continued use of the platform after changes constitutes acceptance of the updated policy.

13. Contact

Kowry Technologies Ltd
66 Paul Street, London, EC2A 4NA, United Kingdom
Email: privacy@kowry.io
Company No. 17202314 — Registered in England & Wales