KanzeBeta

Privacy Statement

Last updated: January 11, 2026

Introduction

At Kanze, we are deeply committed to protecting your privacy and safeguarding your personal financial information. We understand the sensitive nature of the data you entrust to us, and your trust is our highest priority. This Privacy Statement explains in detail how we collect, use, disclose, and safeguard your data when you use our private wealth management application (the "App" or "Service"). Please read this carefully to understand our practices regarding your information and how we will treat it.

1. Information We Collect

To provide you with our comprehensive wealth management services, we collect various types of information, which may include:

  • Personal Identifiable Information (PII): Full name, email address, mailing address, phone number, date of birth, and potentially national identification numbers (if required for identity verification or regulatory compliance). This is primarily collected during account registration and setup.
  • Financial Account Information:
    • Linked Accounts: When you link financial accounts from banks, investment firms, insurance companies, digital wallets, credit card providers, and other institutions, you explicitly consent to our collection of account details, transaction history, and balances via secure, encrypted API connections.
    • Manually Entered Data: If you opt to manually enter financial data, we collect the asset or liability type, value, description, and other details you provide.
  • Authentication and Access Credentials: When you link accounts, you may provide authentication credentials (e.g., usernames, encrypted passwords, security questions, or multi-factor tokens) solely to establish and maintain secure connections to your financial institutions through our data aggregators. Your login credentials are encrypted and never stored in plain text.
  • Device and Usage Data:
    • Device Information: IP address, operating system, browser type, unique device identifiers, mobile network information.
    • Usage Information: Features you use within the App, time spent on pages, crash reports, access times, and referring website addresses.
    • Location Data: If you grant permission, we may collect precise or approximate location data for security (e.g., fraud prevention), localized insights (e.g., tax implications based on region), or to improve service relevance.
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies for authentication, preferences, analytics, and (with consent or opt-out) personalized advertising.
  • Communication Data: Content of communications and contact information you provide when you interact with customer support, email, or in-app messages.
  • User-Generated Content: Notes, custom categories, goal names, or other text input you provide within the App.

2. How We Use Your Information

Your data is essential for us to provide and improve the Kanze service. We use your information for the following purposes:

  • Service Delivery and Account Management: Register your account, verify your identity, provide access to the App and its features, aggregate and display your consolidated financial information, and deliver personalized insights, financial management tools, and goal tracking.
  • App Improvement and Optimization: Analyze how the App is used, conduct research, and develop new features to optimize performance and personalize your experience.
  • Third-Party Integrations: Enable integrations you choose to use, such as "Sign in with Google" or other authentication methods.
  • Communication: Send important updates, security alerts, product announcements, and respond to support inquiries.
  • Marketing and Promotion: Inform you about our services, features, or partners we believe may be of interest. You can opt out at any time via unsubscribe instructions or App settings.
  • Security and Fraud Prevention: Protect our services and users from fraudulent activities, unauthorized access, and other security risks.
  • Legal and Regulatory Compliance: Comply with applicable laws, regulations, legal processes, and enforceable governmental requests, and enforce our Terms of Use and policies.
  • Anonymized and Aggregated Data: Use information in anonymized or aggregated form for research, analytics, product development, and to provide industry insights.

3. Data Sharing and Disclosure

We may share your information with certain third parties under specific circumstances, always with your privacy and security in mind:

  • Financial Institutions and Data Aggregators: Shared via secure, encrypted API connections.
  • Authentication Service Providers: Limited information necessary to verify identity and manage login.
  • Service Providers (Processors): Hosting, security, technical support, analytics, and payment processing providers with access only as needed to perform their services.
  • Artificial Intelligence (AI) Platforms: Utilized to provide advanced analytics, insights, or personalized recommendations.
  • Advertising Partners: Aggregated or anonymized data to help market services; if we engage in targeted advertising using personal data, we will ensure appropriate consent mechanisms and opt-out options.
  • Legal and Regulatory Compliance: Disclosures to regulatory authorities, law enforcement, or other third parties when required by law or to protect rights, safety, investigate fraud, or respond to government requests.
  • Business Transfers: In a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, information may be transferred to the acquiring entity. We will notify you of any change in ownership or control of your personal information.
  • With Your Consent: Any other sharing for which you have given explicit consent.
  • Anonymized/Aggregated Data: Shared in de-identified form for market research, analytics, and product development.

4. Data Security

We implement appropriate technical and organisational security measures designed to protect your data from unauthorized access, alteration, disclosure, or destruction. Measures include:

  • Data encryption during transmission and storage.
  • Robust access controls and authentication mechanisms to limit access on a need-to-know basis.
  • Regular assessment, monitoring, and updates to our security infrastructure and practices.
  • Secure communication protocols and industry best practices when exchanging data with financial institutions and third parties.

While we strive to use commercially acceptable means to protect your personal financial information, no method of transmission over the Internet or electronic storage is completely secure. Therefore, we cannot guarantee its absolute security.

Your role in security: Use strong, unique passwords, enable multi-factor authentication if available, limit device access, sign out on shared devices, and notify us immediately if you suspect unauthorized activity.

5. Data Retention

Your information is retained only for as long as necessary to fulfill the purposes for which it was collected, to provide our services, comply with legal and regulatory obligations, resolve disputes, and enforce agreements.

We may retain information in an anonymous or aggregated form where it cannot reasonably be used to identify you for longer periods, for research, analytical, and product improvement purposes.

6. Your Data Protection Rights

In accordance with your rights under the Personal Data Protection Act (PDPA), you have the right to:

  • Access personal information held by Kanze.
  • Request correction of inaccurate or incomplete data.
  • Withdraw consent for collection, use, or disclosure of your personal information, subject to legal or contractual restrictions.
  • Request deletion or removal of personal information where no compelling reason exists for continued processing.
  • Object to certain data processing activities.

To exercise these rights, contact us at admin@kanze.io. We will respond within the timeframe required by applicable law. Withdrawing consent may affect our ability to provide certain features or services.

7. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove that information from our servers.

8. International Data Transfers

Your information, including personal data, may be stored and processed in any country where we have facilities or engage service providers. By using the App, you understand that your information may be transferred to countries outside your country of residence, which may have different data protection laws. When transferring data internationally, we implement safeguards such as standard contractual clauses to ensure your data receives an adequate level of protection.

9. Changes to This Privacy Statement

We may update this Privacy Statement from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated Privacy Statement on this page with an updated "Effective Date." We encourage you to review this statement regularly.

10. Contact Us

If you have any questions about this Privacy Statement, our data practices, or your rights, please contact us at admin@kanze.io.