CacaoCashCacaoCash
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Privacy Policy

Last updated: April 2, 2026

This Privacy Policy explains how DEKSxyz, Inc. ("CacaoCash", "we", "our", or "us") collects, uses, shares, and protects information about you when you use our services, website, and mobile application.

1. Who We Are

CacaoCash is a product of DEKSxyz, Inc., a company incorporated in the United States. We provide digital payment services that allow users to pay at local QR codes across Latin America using foreign currencies.

For privacy-related questions, contact us at privacy@cacaocash.app.

2. Information We Collect

Information you provide directly:

  • Full name, email address, phone number, and date of birth when you create an account
  • Government-issued ID and selfie for identity verification (KYC)
  • Payment method details (bank account numbers, card information processed through our payment partners)
  • Messages and communications you send to our support team

Information collected automatically:

  • Device information (model, operating system, unique device identifiers)
  • IP address and approximate location
  • App usage data (screens visited, features used, session duration)
  • Transaction data (amount, recipient, timestamp, QR code scanned)
  • Cookies and similar tracking technologies on our website

Information from third parties:

  • Identity verification results from our KYC/AML compliance partners
  • Fraud signals from financial crime detection services
  • Exchange rate data from financial data providers

3. How We Use Your Information

We use your information to:

  • Create and manage your CacaoCash account
  • Process payments and transfers
  • Verify your identity and comply with anti-money laundering (AML) and Know Your Customer (KYC) regulations
  • Detect, prevent, and investigate fraud and unauthorized transactions
  • Communicate with you about your account, transactions, and service updates
  • Provide customer support
  • Improve our products and services through analytics
  • Comply with legal obligations and respond to lawful requests from authorities
  • Send you marketing communications (only with your consent, and you can opt out at any time)

4. Legal Basis for Processing

We process your personal data on the following legal bases:

  • Contract performance — processing necessary to provide the services you requested
  • Legal obligation — compliance with financial regulations, AML/KYC requirements, and tax laws
  • Legitimate interests — fraud prevention, security, and improving our services
  • Consent — marketing communications and non-essential cookies (you can withdraw consent at any time)

5. How We Share Your Information

We do not sell your personal information. We may share it with:

  • Payment processors and banking partners — to execute transactions
  • Identity verification providers — to fulfill KYC/AML requirements
  • Cloud infrastructure providers — to store and process data securely
  • Analytics providers — Vercel Analytics and PostHog, to understand app usage
  • Legal authorities — when required by law, court order, or to protect our rights
  • Acquirers or successors — in the event of a merger, acquisition, or sale of assets

All third-party service providers are contractually required to handle your data securely and only for the purposes we specify.

6. International Data Transfers

CacaoCash operates globally. Your information may be transferred to and processed in countries other than your own, including the United States. When we transfer data internationally, we use standard contractual clauses or other appropriate safeguards to protect your information in accordance with applicable law.

7. Data Retention

We retain your personal data for as long as necessary to provide our services and comply with legal obligations. Specifically:

  • Account information: retained for the duration of your account plus 5 years after closure
  • Transaction records: retained for 7 years as required by financial regulations
  • KYC documents: retained for the period required by applicable AML regulations
  • Marketing preferences: until you withdraw consent

8. Your Rights

Depending on your location, you may have the right to:

  • Access — request a copy of the personal data we hold about you
  • Correction — ask us to correct inaccurate or incomplete data
  • Deletion — request deletion of your data (subject to legal retention requirements)
  • Portability — receive your data in a structured, machine-readable format
  • Objection — object to processing based on legitimate interests
  • Restriction — request that we restrict processing of your data
  • Opt out of marketing — unsubscribe from marketing emails at any time

To exercise any of these rights, contact us at privacy@cacaocash.app. We will respond within 30 days.

9. Security

We implement industry-standard security measures including encryption in transit (TLS) and at rest, access controls, and regular security audits. However, no system is 100% secure. If you believe your account has been compromised, contact us immediately at info@cacaocash.com.

10. Children's Privacy

CacaoCash is not intended for users under 18 years of age. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal data, contact us and we will delete it promptly.

11. Cookies

We use cookies and similar technologies on our website. For full details, see our Cookie Policy.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by email or through a prominent notice in the app. The "Last updated" date at the top of this page indicates when the policy was last revised. Continued use of CacaoCash after changes constitutes acceptance of the updated policy.

13. Contact Us

For privacy-related questions, requests, or complaints:

© 2026 CacaoCash / DEKSxyz, Inc.