Kasef Pay Inc. (“Kasef Pay Inc.”, “KSF Pay”, “we”, “us”, or “our”) respects your privacy and is committed to protecting the personal information of individuals who access or use our website and services.

This Privacy Policy explains how we collect, use, disclose, and protect personal information in connection with our website, ksfpay.com, and our services as a licensed Money Services Business (MSB) in Canada.

By accessing or using our website or services, you acknowledge that you have read and understood this Privacy Policy.

1. Information We Collect

We may collect personal information that you provide to us when you interact with KSF Pay, including when you contact us, register for or use our services, or otherwise communicate with us.

The information we collect may include information necessary to provide our services, communicate with you, verify your identity, comply with applicable legal and regulatory requirements, and protect our business and users.

We may also collect information automatically when you use our website, including technical information relating to your device, browser, IP address, and interactions with our website.

We seek to limit the collection of personal information to information that is reasonably necessary for the purposes for which it is collected.

2. How We Use Personal Information

We may use personal information for purposes including:

• Providing, maintaining, and improving our services;

• Communicating with you and responding to inquiries;

• Verifying information provided to us;

• Meeting our legal and regulatory obligations;

• Preventing fraud, unauthorized activity, and other misuse;

• Protecting the security and integrity of our services;

• Managing our business operations; and

• Any other purposes permitted or required by applicable law.

We will not use personal information for purposes that are incompatible with the purposes for which it was collected unless permitted or required by applicable law or with appropriate consent.

3. Disclosure of Personal Information

We may disclose personal information where necessary to provide our services, operate our business, comply with legal or regulatory requirements, or protect our rights and interests.

Personal information may be disclosed to service providers, professional advisers, regulatory authorities, law enforcement agencies, or other parties where such disclosure is permitted or required by applicable law.

We do not sell personal information to third parties.

4. Legal and Regulatory Requirements

As a licensed Money Services Business operating in Canada, KSF Pay may be required to collect, use, retain, or disclose certain information to comply with applicable laws, regulations, regulatory requirements, and lawful requests from governmental or regulatory authorities.

Where permitted by law, we may also use or disclose information to detect, investigate, or prevent fraud, financial crime, money laundering, terrorist financing, unauthorized activity, or other unlawful conduct.

5. Consent

Where required by applicable law, we will obtain appropriate consent before collecting, using, or disclosing personal information.

By providing personal information to us or using our services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy, subject to applicable law.

You may withdraw consent where permitted by law. However, withdrawing consent may affect our ability to provide certain services or maintain an existing relationship with you.

6. Protection of Personal Information

Kasef Pay Inc. takes reasonable measures to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, loss, or destruction.

The safeguards we use may include administrative, technical, and physical measures appropriate to the nature and sensitivity of the information.

No method of transmission or storage can be guaranteed to be completely secure. Accordingly, while we take reasonable steps to protect personal information, we cannot guarantee absolute security.

7. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide our services, meet our legal and regulatory obligations, resolve disputes, enforce agreements, and protect our legitimate business interests.

When personal information is no longer required, we may securely delete, destroy, or anonymize it in accordance with applicable requirements.

8. Access and Correction

Subject to applicable law, individuals may request access to personal information that KSF Pay holds about them and may request that inaccurate or incomplete information be corrected.

Requests relating to personal information should be submitted using the contact information provided below.

We may require sufficient information to verify the identity of the person making a request before responding.

9. Cookies and Similar Technologies

Our website may use cookies and similar technologies to support website functionality, security, performance, and other legitimate business purposes.

You may be able to control or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of the website.

10. Third-Party Websites

Our website or services may contain links to websites or services operated by third parties.

KSF Pay is not responsible for the privacy practices, security, or content of third-party websites or services. We encourage you to review the privacy policies of any third parties you interact with.

11. International Processing

Personal information may be processed or stored in jurisdictions outside the jurisdiction in which you reside, subject to applicable laws and regulatory requirements.

Where personal information is transferred or processed outside Canada, it may be subject to the laws of the jurisdiction in which it is processed or stored.

12. Children’s Privacy

Our services are not intended to knowingly collect personal information from children where such collection is prohibited by applicable law.

If we become aware that personal information has been collected from an individual in circumstances where such collection was not permitted, we will take reasonable steps to address the situation in accordance with applicable law.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, business practices, legal requirements, or other circumstances.

When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy. Your continued use of our website or services after an updated Privacy Policy is posted constitutes your acknowledgment of the updated policy, to the extent permitted by applicable law.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at:

Email: support@ksfpay.com

We will review and respond to privacy-related inquiries in accordance with applicable law.