Privacy Policy

1. Information we collect

We collect the information needed to open your wallet, move your money safely, and keep the service running.

Account & identity information

Name, date of birth, nationality, address, government ID, and a selfie or photo used for identity verification through our KYC provider, Sumsub, in line with anti-money-laundering (AML) requirements.

Transaction information

Sender and recipient details, transfer amounts, funding source, delivery method (bank account, GCash, Maya, or cash pickup once available), and transaction history.

Contact & waitlist information

Your email address if you join our waitlist or use the contact form, along with any message you send us.

Device & usage information

IP address, browser type, device identifiers, and how you interact with our website and app, collected automatically to keep the service secure and improve it.

2. How we use your information

• To create and manage your Kapwa account and wallet.
• To verify your identity and screen for fraud, sanctions, and money-laundering risk.
• To process and deliver your transfers accurately and on time.
• To communicate with you about your account, transfers, or waitlist status.
• To meet our obligations under applicable financial regulations, including record-keeping requirements.
• To improve our product, fix bugs, and keep our systems secure.

3. Who we share it with

We do not sell your personal information. We share it only where necessary to operate the service:

• Identity verification: Sumsub, for KYC/AML checks.
• Custody & security infrastructure: Fireblocks, to safeguard funds in transit.
• Payment and delivery partners: banks, InstaPay, PESONet, GCash, Maya, and cash pickup partners, to complete your transfer.
• Regulators and law enforcement: where required by law, such as the Bangko Sentral ng Pilipinas (BSP) and equivalent authorities in the countries we operate from.
• Service providers: email delivery, hosting, and analytics vendors bound by confidentiality obligations.

4. Data retention

We keep account and transaction records for as long as your account is active and for the period required by applicable financial record-keeping and AML regulations afterward, then delete or anonymize it.

5. Your rights and choices

• Access, correct, or request a copy of the personal information we hold about you.
• Ask us to delete your information, subject to our legal retention obligations.
• Unsubscribe from waitlist or marketing emails at any time using the link in those emails.
• Contact us with any privacy question or request — see below.

6. Data security

We protect your information with encryption in transit and at rest, access controls, and institutional-grade custody infrastructure. No system is perfectly secure, but we treat your data with the same care we treat your money.

7. International transfers of information

Because Kapwa moves money between countries — for example, from Japan to the Philippines — your information may be processed in both countries and by service providers located elsewhere, always under contractual safeguards consistent with this policy.

8. Children's privacy

Kapwa is for users 18 years and older. We do not knowingly collect personal information from children.

9. Changes to this policy

We'll update the "last updated" date above whenever this policy changes, and post material changes here before they take effect.