Legal

Privacy Policy

Last updated: September 03, 2026

Your Privacy Matters

Welcome to KoinVü ("KoinVü", "we", "our", or "us"). Your privacy is important to us. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use the KoinVü mobile application, website, and related services.

By using KoinVü, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following types of information:

Personal Information

  • Full Name
  • Mobile Number
  • Email Address
  • Date of Birth (where applicable)
  • Government-issued identification for KYC verification (if required)
  • Profile photograph (optional)

Financial & Transaction Information

  • Recharge and bill payment history
  • Transaction records
  • Reward and referral activity
  • Wallet-related information (where applicable)

Device Information

  • Device model
  • Operating system
  • Device identifiers
  • IP address
  • App version
  • Crash reports and diagnostics

Location Information

With your permission, KoinVü may access your location to improve security, detect fraudulent activity, and provide location-based services where applicable.

2. How We Use Your Information

We use your information to:

  • Create and manage your account.
  • Process mobile recharges and BBPS bill payments.
  • Verify your identity when required.
  • Protect against fraud, abuse, and unauthorized access.
  • Improve app performance and user experience.
  • Provide customer support.
  • Send important account, transaction, and security notifications.
  • Deliver promotional offers and rewards with your consent.
  • Comply with applicable laws and regulatory requirements.

3. Security

We implement appropriate technical and organizational security measures to protect your information, including:

  • Encrypted communication (SSL/TLS)
  • Secure authentication
  • Password and MPIN protection
  • Access controls
  • Fraud monitoring
  • Regular security updates

Although we strive to protect your information, no method of electronic storage or internet transmission is completely secure.

4. Sharing of Information

We do not sell your personal information.

We may share your information only with:

  • Payment processing partners.
  • Utility service providers and billers.
  • KYC and identity verification partners.
  • Regulatory authorities when required by applicable law.
  • Trusted technology and service providers supporting our operations.

All such partners are required to maintain appropriate security and confidentiality standards.

5. Permissions We May Request

Depending on the services you use, KoinVü may request access to:

  • Camera (for KYC and document verification)
  • Storage or Photos (for uploading verification documents)
  • Notifications (transaction alerts and service updates)
  • Contacts (only for referral features, with your permission)
  • Location (for fraud prevention and service improvements)

You can manage these permissions at any time through your device settings.

6. Cookies & Analytics

Our website and application may use cookies, analytics tools, and similar technologies to understand app performance, improve user experience, and strengthen platform security.

These technologies do not collect sensitive financial information without your consent.

7. Data Retention

We retain your information only for as long as necessary to:

  • Provide our services.
  • Maintain transaction records.
  • Meet legal and regulatory obligations.
  • Resolve disputes.
  • Prevent fraud and misuse.

When no longer required, your information will be securely deleted or anonymized where permitted by law.

8. Your Rights

Depending on applicable laws, you may have the right to:

  • Access your personal information.
  • Update or correct your information.
  • Request deletion of your account.
  • Withdraw consent for certain data processing.
  • Manage communication preferences.
  • Request a copy of your personal data.

Some requests may be subject to legal or regulatory obligations.

9. Children's Privacy

KoinVü is intended for individuals who are legally eligible to use our services. We do not knowingly collect personal information from children without appropriate legal authorization.

10. Third-Party Services

KoinVü may integrate with trusted third-party providers for payment processing, bill payment services, identity verification, notifications, analytics, and other essential services. These providers maintain their own privacy policies governing the information they process.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or security practices. Any updates will be published on this page together with the revised "Last Updated" date.

12. Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please contact us:

Your Trust Is Our Priority

At KoinVü, we are committed to protecting your privacy and providing a secure, transparent, and reliable digital finance experience for every user.