Privacy Policy

This Privacy Policy describes how Chasky ("Chasky", "we", "us", or "our") collects, uses, stores, and shares personal data when you use our mobile application and related services (the "Application").

By accessing or using the Application, you agree to the practices described in this Privacy Policy.

1. Who We Are

Chasky is a messaging application that integrates optional financial features through licensed third-party financial service providers.

Chasky is not a bank, financial institution, or card issuer. We act solely as a technology platform that enables access to services provided by authorized third parties.

2. Information We Collect

2.1 Information You Provide Directly

• Username and profile information
• Phone number and contact details
• Messages, media, and content you choose to share within the Application
• Customer support communications

2.2 Automatically Collected Information

• Device information (model, operating system, identifiers)
• IP address and approximate location
• Application usage and interaction data
• Log and diagnostic data

3. Identity Verification (KYC)

To enable financial features within the Application (such as wallets, transfers, or cards), completing an identity verification process is mandatory.

• Government-issued identification documents
• Selfie images or biometric verification data
• Metadata associated with the verification process

Identity verification services are performed by authorized third-party providers, including Plaid, in order to comply with applicable Know Your Customer (KYC), anti-money laundering (AML), and fraud prevention regulations.

Chasky does not independently verify identities and does not store sensitive verification data beyond what is strictly necessary to facilitate the service.

4. Financial Data and Services

When you access financial features within the Application, certain data such as transaction-related information, wallet identifiers, and payment activity metadata are processed exclusively by licensed financial service providers, and not by Chasky.

Chasky does not hold, store, or manage user funds. All financial operations are executed and regulated by duly authorized third-party financial institutions.

5. Sharing of Information

We may share your information with:

5.1 Financial Service Providers

• Licensed financial platforms that provide wallets, transfers, and payment services, including OnePay
• Card issuance services made available through our financial provider (which may indirectly involve third-party infrastructure providers such as Pomelo)

5.2 Identity Verification Providers

• Authorized KYC and compliance service providers, including Plaid

5.3 Technology Service Providers

• Cloud hosting, analytics, security, and customer support providers

All third parties are contractually required to protect your information and process it in accordance with applicable data protection laws.

6. Purpose of Data Processing

Your personal data is used to:

• Provide and operate the Application
• Enable secure messaging features
• Verify identity and prevent fraud
• Enable access to financial services through authorized partners
• Comply with legal and regulatory obligations
• Improve performance, security, and user experience

7. Data Retention

We retain personal data only for as long as necessary to provide the services, comply with legal obligations, resolve disputes, and enforce our agreements.

Retention periods may vary depending on regulatory requirements applicable to our financial and identity verification partners.

8. Data Security

We implement reasonable technical and organizational measures to protect your information.

Financial and identity verification data are primarily processed and secured by authorized third-party providers in accordance with industry security standards.

9. Your Rights

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

• Access your personal data
• Request correction or deletion
• Object to certain processing activities
• Withdraw consent where applicable

Requests can be submitted through our support channels.

10. International Data Transfers

Your data may be processed or stored in jurisdictions outside your country of residence, subject to appropriate safeguards and legal protections.

11. Children's Privacy

The Application includes messaging features that may be available to minors, depending on the applicable age rating in each jurisdiction.

Financial features (including wallets, transfers, and cards) are strictly restricted to users aged 18 and older and require mandatory identity verification (KYC).

We do not knowingly collect financial data or perform identity verification for individuals under the age of 18.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the Application or on our website, and the "Last updated" date will be revised accordingly.

13. Contact Us

If you have questions about this Privacy Policy or our data practices, you may contact us at: