This website is not intended for children and we do not knowingly collect data relating to children.
Kyshi Ltd is a company incorporated in England with company number 10076912, and the registered address 85 Great Portland St, London, W1W 7LT, United Kingdom.
Kyshi shall be the controller when providing you with their services.
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data).
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:
Where we need to collect personal data by law, or under the terms of a contract we have with you, and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with access to the Kyshi Platform).
We use different methods to collect data from and about you including through:
Direct interactions - you may give us your Identity, Contact and Financial Data by filling in forms on our website or otherwise or by corresponding with us by phone, e-mail or other methods. This includes personal data you provide when you: apply to use the Kyshi Platform or any of our other services; create an account with us using our app or website or otherwise; register to use our website; place an order or transact on our website; report a problem with our website; give us feedback or contact us;
Third parties or publicly available sources. We will receive personal data about you from various third parties such as Technical Data from analytics providers such as Google based outside the EEA and Identity and Contact Data from publicly available sources such as Companies House and the Electoral Register based inside the UK.
We will only use your personal data when the law allows us to. Most commonly, we will process your personal data using the following legal bases:
Performance of a contract – which means processing your data where it is necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract. Before we provide services to you we are legally required to carry out checks for the purposes of preventing fraud and money laundering/terrorist financing and to verify your identity.
Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests - legitimate interest means the interest of our business in conducting, managing and protecting our business to enable us to give you the best service and the best and most secure experience. One of our legitimate interests is to prevent fraud and money laundering/terrorist financing and to verify identity.
We make sure we consider and balance any potential impact on you (both positive and negative) and your rights before we process your personal data for our legitimate interests. We do not use your personal data for activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law). You can obtain further information about how we assess our legitimate interests against any potential impact on you in respect of specific activities by contacting us.
Where we need to comply with a legal obligation – this means processing your personal data where it is necessary for compliance with a legal obligation that we are subject to. This also means that the personal data that you have provided, we have collected from you, or we have received from third parties will be used to prevent fraud and money laundering/terrorist financing. We and fraud prevention agencies may also enable law enforcement agencies to access and use your personal data to detect, investigate and prevent crime.
Generally, we do not rely on consent as a legal basis for processing your personal data although we will get your consent before sending direct marketing communications to you via email or text message. You have the right to withdraw consent to marketing at any time by contacting us.
As part of the processing of your personal data, decisions may be made by automated means. This means we may automatically decide that you pose a fraud or money laundering/terrorist financing risk if our processing reveals your behaviour to be consistent with money laundering/terrorist financing or known fraudulent conduct, or is inconsistent with other data held, or you appear to have deliberately hidden your true identity. You have rights in relation to automated decision making and if you want to know more, please feel free to contact us.
If we, or a fraud prevention agency, determine that you pose a fraud or money laundering/terrorist financing risk, we may refuse to provide the services you have requested, or to employ you, or we may stop providing existing services to you.
A record of any fraud or money laundering/terrorist financing risk will be retained by fraud prevention agencies and may result in others refusing to provide services, financing or employment to you. If you have any questions about this, please feel free to contact us.
We have set out below, in a table format, a description of all the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table above.
We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising. You have the right at any time to stop us from contacting you for marketing purposes. If you wish to exercise these rights you can do so by selecting your contact preferences at the point where you provide us with your information on our app or website or by contacting us. You can also unsubscribe from any email marketing using the links provided in the emails we send to you.
We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which services and offers may be relevant for you (we call this marketing). You will receive marketing communications from us if you have requested information from us or purchased services from us and you have not opted out of receiving that marketing.
We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us. If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We may share your personal data with the parties set out below for the purposes set out in “Purposes for which we will use your personal data?”
Service providers acting as processors who provide IT and system administration services; professional advisers acting as processor or controllers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services; Tax authorities, regulators and other authorities acting as processors or controllers who require reporting of processing activities in certain circumstances.
Other third parties where you ask us to, including with partners who have integrated with Kyshi through our API or in connection with banking and financial services. If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply any agreement with you or our suppliers, to protect the rights, property or safety of Kyshi, our customers or others.
We may share your personal data with our other group entities. We have adopted an arrangement, which ensures all personal data transferred across the group is protected to the same high standards, even if not required by the local data protection legislation.
We may also share aggregated information (information about our users that we combine together so that it no longer identifies or references an individual) and non-personally identifiable information for industry and market analysis, demographic profiling, marketing and advertising and other business purposes.
We may also share your personal data with other parties when entering into business transactions, i.e.:
We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
We process your personal data and store it on servers managed by our hosting providers.
Those servers are located across a number of secure data centres. Our server environment is highly secure and there is very limited personnel access. Any personal data will be encrypted “at rest” (in other words, on being stored).
In certain circumstances, we may transfer your personal data to countries outside the UK and EEA, which may not adhere to the same levels of data protection to which countries such as the UK and within the EEA are subject. Any such transfers are, at all times, made in accordance with the DPA Act 2018, GDPR and/or Applicable Local Laws. Details of the circumstances and mechanisms in place to ensure compliance are set out below:
In addition to our UK offices, we also have offices in the EEA, Nigeria and the United States. We have also put in place proper measures to ensure that all transfers of Personal Data to any member of the Kyshi group are protected to the same level as required under UK and European data protection legislations.
Some of our third party suppliers are based outside the UK and EEA. Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
If you are outside the EEA and make payments or send messages, or you are in the EEA and make payments or send messages outside the EEA, we may process payments through other institutions and payment systems. They may have to process and store personal data about you in connection with their own regulations; please note that the standards to which they adhere may not be as stringent as those in the EEA.
Unfortunately, the transmission of your personal data via the Internet can never be 100% secure. Although we will do our best to protect your personal data, we cannot guarantee the security of personal data about you transmitted to us and so any transmission is at your own risk.
Once we have received your personal data, we will use strict procedures and security features to try to prevent unauthorised access.
Fraud prevention agencies may allow the transfer of your personal data outside of the UK. This may be to a county where the UK Government has decided that your data will be protected to UK standards, but if the transfer is to another type of country, then the fraud prevention agencies will ensure your data continues to be protected by ensuring appropriate safeguards are in place.
Under certain circumstances, you have rights under data protection laws in relation to your personal data. You have the right to:
Request access to your personal data (commonly known as a “data subject access request”). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it.
Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.
Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing, where we may have processed your personal data unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.
Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You also have the right to object where we are processing your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your personal data which override your rights and freedoms.
Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:
If you wish to exercise any of the rights set out above, please contact us at firstname.lastname@example.org. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances. We may need to request specific personal data from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further personal data in relation to your request to speed up our response. We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
How long will you use my personal data for? We will only retain your personal data for as long as reasonably necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, regulatory, tax, accounting or reporting requirements. We may retain your personal data for a longer period in the event of a complaint or if we reasonably believe there is a prospect of litigation in respect to our relationship with you.
To determine the appropriate retention period for personal data, we consider the amount, nature and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal, regulatory, tax, accounting or other requirements.
By law we have to keep basic information about our customers (including Contact, Identity, and Financial Data) for six years for regulatory purposes. Please note that fraud prevention agencies are permitted to hold your personal data for different periods of time and if you are considered to pose a fraud or money laundering/terrorist financing risk your data can be held for up to six years.
In some circumstances you can ask us to delete your data: see “your legal rights” above for further information.
Email address: email@example.com
You have the right to make a complaint at any time to the Information Commissioner's Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance. We treat all complaints seriously, and investigate all issues brought to our attention.
Last updated: 22nd February 2023