Kura Technologies – Privacy Policy
1. Introduction
Kura Technologies (“Kura,” “we,” “our,” or “us”) provides cross-border payment solutions and related fintech services through our websites, applications, and platforms (“Services”). We value your privacy and are committed to protecting your personal data in accordance with applicable U.S. privacy laws, including the Gramm-Leach-Bliley Act (GLBA), the Electronic Fund Transfer Act (EFTA), the California Consumer Privacy Act (CCPA), and other relevant U.S. state regulations.This Privacy Policy explains how we collect, use, and share your information when you interact with our Services. For users located in certain other jurisdictions, including the European Economic Area (EEA) and United Kingdom (UK), we also explain additional rights you may have under applicable data protection laws (see Section 12).By using our Services, you agree to this Privacy Policy. If you do not agree, please stop using our Services.
2. Scope
This Privacy Policy applies to all users of our Services in the United States and other countries where we operate. It covers both individuals and organizations using our Services as sponsors, beneficiaries, merchants, or partners.
3. Information We Collect
A. Information You Provide
We collect information you voluntarily give us, including:Name, email address, phone number, and physical address
Identification documents (e.g., government-issued ID, passport)
Business registration documents and proof of address
Payment information (e.g., bank account details, card information)
Transaction details and communications with us
B. Information Collected Automatically
We automatically collect:Device identifiers, browser type, operating system
IP address and approximate location
Usage data such as pages viewed, time spent, clicks, and errors
Cookies and similar tracking technologies (see Section 8)
C. Information from Third Parties
We may receive information from:Identity verification services
Payment processors and partner financial institutions
Public records and compliance databases
Social media platforms (if you connect accounts)
4. How We Use Your Information
We use your information to:Provide and improve our Services
Verify your identity and comply with AML, CTF, and sanctions laws
Prevent fraud and unauthorized activity
Process payments and transactions
Communicate with you about your account or transactions
Personalize your experience
Meet legal and regulatory requirements
5. Legal Basis for Processing (Non-U.S. Users)
For users in jurisdictions that require it (e.g., EEA, UK), we process your personal data based on:Your consent
Performance of a contract
Compliance with legal obligations
Legitimate interests (such as fraud prevention)
6. Sharing of Information
We may share your information with:Service providers (payment processors, hosting, analytics, compliance vendors)
Affiliates and partners
Regulators and law enforcement where legally required
Third parties in connection with a merger, acquisition, or asset sale
We do not sell your personal information.
7. Data Retention
We retain personal data only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. When no longer needed, we securely delete or anonymize your information.
8. Cookies & Tracking
We use cookies and similar technologies to:Enable core site functionality
Analyze usage and improve performance
Remember your preferences
Deliver relevant marketing
You can manage cookie preferences in your browser settings. See our Cookie Policy for details.
9. Security
We implement administrative, technical, and physical safeguards to protect your information. However, no system is 100% secure. You are responsible for protecting your account credentials.
10. Children’s Privacy
Our Services are not intended for children under 13 (or higher age limits where required by law). We do not knowingly collect information from children.
11. Your Rights – U.S. Users
Depending on your state of residence, you may have rights to:Request a copy of the personal information we have about you
Request deletion of your personal information
Opt out of certain data sharing
Correct inaccurate information
You can exercise these rights by emailing support@kuratek.com. We will respond as required by applicable law.
12. Additional Rights for Users in Certain Jurisdictions (Including EEA & UK)
If you are located in the EEA or UK, you may also have the right to:Access your personal data
Rectify inaccurate or incomplete data
Request erasure of your data
Restrict or object to processing
Data portability
Withdraw consent at any time
We will process such requests in accordance with applicable local laws.
13. International Data Transfers
If you are located outside the United States, your information may be transferred to and processed in the U.S. or other countries that may have different data protection laws. We use lawful mechanisms (e.g., Standard Contractual Clauses) where required.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. If changes are material, we will provide notice through our website or by email.
15. Contact Us
If you have questions about this Privacy Policy, email support@kuratek.com.
Kura Technologies – Cookie Policy
1. Introduction
Kura Technologies (“Kura,” “we,” “our,” or “us”) uses cookies and similar tracking technologies to provide, improve, and secure our websites, applications, and services (“Services”). This Cookie Policy explains what cookies are, the types we use, and how you can control them.This policy should be read alongside our Privacy Policy for full details on how we process your personal data.
2. What Are Cookies?
Cookies are small text files stored on your device when you visit a website or use an app. They allow us to recognize your device, remember your preferences, and improve your browsing experience.We also use similar technologies, such as pixel tags, web beacons, local storage, and device identifiers, which work in a similar way to cookies.
3. Types of Cookies We Use
We group our cookies into the following categories:
Strictly Necessary Cookies
These are essential for our Services to function properly. They enable core functions such as security, account login, and payment processing. Without these cookies, our Services may not work correctly.
Performance & Analytics Cookies
These collect information about how visitors use our Services, such as pages visited and error messages encountered. We use this data to improve performance and user experience.
Functionality Cookies
These allow us to remember your preferences (e.g., language, region, login details) to provide a more personalized experience.
Advertising & Targeting Cookies
These are used to deliver relevant ads and measure the effectiveness of campaigns. They may be set by us or by third-party partners.
4. Third-Party Cookies
Some cookies are placed by third-party service providers, such as:Analytics providers (e.g., web traffic measurement tools)
Payment processors
Cloud hosting and security services
Advertising networks
These third parties may use cookies to collect information about your online activity over time and across different websites.
5. How We Use Cookies
We use cookies to:Keep you signed in and secure
Process transactions
Monitor site performance and fix bugs
Remember your settings and preferences
Deliver relevant content and marketing messages
Prevent fraud and unauthorized activity
6. How to Manage Cookies
You can control or delete cookies through your browser or device settings. Instructions for popular browsers:Chrome: https://support.google.com/chrome/answer/95647
Firefox: https://support.mozilla.org/en-US/kb/enable-and-disable-cookies-website-preferences
Safari: https://support.apple.com/guide/safari/manage-cookies-and-website-data-sfri11471/mac
You can also opt out of targeted advertising through:Network Advertising Initiative: https://optout.networkadvertising.org
Digital Advertising Alliance: https://optout.aboutads.info
Please note: disabling cookies may affect the functionality of our Services
.7. Consent to Cookies
For users in jurisdictions where consent is required (e.g., EU/UK under GDPR/ePrivacy), we will request your permission before placing non-essential cookies. You can withdraw your consent at any time via our cookie banner or browser settings.
8. Changes to This Policy
We may update this Cookie Policy from time to time. The updated version will be posted on our website with the “Last Updated” date. Your continued use of our Services after updates indicates your acceptance.
9. Contact Us
If you have any questions about our use of cookies, please email support@kuratek.com.
Kura Technologies – Terms & Conditions
1. Agreement to Terms
By using Kura Technologies’ Services, you agree to these Terms & Conditions (“Terms”). If you do not agree, you must stop using our Services immediately.
2. Definitions
Kura, we, our, or us: Kura Technologies, the operator of the Services.
Services: All products, websites, mobile applications, and technology platforms provided by Kura.
Sponsor: An individual, business, or organization that initiates and funds transactions (including “sponsorships”) for the benefit of recipients (e.g., beneficiaries, merchants, or organizations) through the Services.
Recipient: The individual, business, or organization receiving funds from a Sponsor through the Services.
3. Services Provided
Kura offers digital payment solutions, including cross-border transfers, merchant acceptance, and related fintech services. We may update, modify, or discontinue features at any time.
4. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) and legally capable of entering into binding agreements.
5. Account Registration & Security
You are responsible for:Providing accurate and complete information
Maintaining the confidentiality of your account credentials
Notifying us immediately of any unauthorized use
6. Acceptable Use
You agree not to:Use our Services for unlawful purposes
Engage in fraudulent or deceptive activity
Circumvent security or technical controls
Infringe the rights of others
Use the Services in connection with prohibited transactions (including certain high-risk industries or jurisdictions)
7. Sponsor Funding Obligations and Liability for Payment Failures
7.1 Funding Responsibility
By initiating a sponsorship or funding transaction, the Sponsor authorizes Kura to process the related payment using the Sponsor’s linked bank account, card, or other payment method. Sponsors must ensure that sufficient cleared funds are available in the funding account at the time of transaction initiation and until settlement is complete.
7.2 Pre-Funded Transactions and USDC Settlement
In certain cases, Kura may pre-fund a recipient wallet (e.g., with USDC) upon initiation of a Sponsor’s transaction to enable instant availability of funds to the recipient. In such cases, Kura treats the incoming transfer as confirmed at initiation, even if settlement from the Sponsor’s funding source has not yet occurred.
7.3 Liability for Insufficient Funds (NSF) and Payment Failures
If the Sponsor’s payment fails for any reason — including but not limited to insufficient funds (NSF), ACH return, payment method revocation, bank account closure, or disputed transactions — the Sponsor remains fully liable to Kura for the full transaction amount, regardless of whether the recipient has already accessed or spent the funds.
7.4 Recovery of Funds
Kura reserves the right to recover failed transaction amounts directly from the Sponsor through:Automatic debit of the linked payment method(s)
Debit of any balances held in the Sponsor’s Kura account or associated wallets
Direct collection efforts using the Sponsor’s KYC-provided contact and payment details
Third-party collection agencies or legal action
Sponsors agree to reimburse Kura for any reasonable costs, including collection fees, legal fees, and interest charges, incurred in recovering the outstanding amounts.
7.5 No Liability Shift to Kura
The Sponsor acknowledges that Kura bears no liability for losses arising from payment failures or insufficient funds in the Sponsor’s account, and that the Sponsor’s funding obligation survives any dispute with a recipient or other third party.
8. Compliance Obligations
You agree to comply with all applicable laws, including anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, and tax reporting obligations.
9. Fees
Fees for Services will be disclosed before transactions are processed. All fees are non-refundable unless required by law.
10. Intellectual Property
All content, trademarks, and technology used in our Services are owned by or licensed to Kura. You may not reproduce or distribute them without permission.
11. Third-Party Services
Our Services may integrate with third-party providers. We are not responsible for the availability, content, or performance of these providers.
12. Limitation of Liability
To the maximum extent permitted by law:We are not liable for indirect, incidental, or consequential damages
Our total liability for any claim will not exceed the total fees paid to us in the 12 months preceding the claim
13. Indemnification
You agree to indemnify and hold Kura harmless from any claims arising out of your misuse of the Services or violation of these Terms.
14. Termination
We may suspend or terminate your access to the Services at our discretion, including for breach of these Terms or legal compliance reasons.
15. Governing Law & Dispute Resolution
These Terms are governed by the laws of the jurisdiction where Kura operates. Disputes will be resolved through arbitration or in the courts of that jurisdiction.
16. Changes to Terms
We may update these Terms from time to time. Continued use after updates indicates your acceptance.
17. Contact
Questions? Email support@kuratek.com.
