Privacy Policy | Khalti Digital Wallet

Khalti by IME – Privacy Policy

IME Khalti Limited (“we,” “us,” or “our”) (hereinafter referred to as "Khalti") operating digital wallet services under the brand name “Khalti by IME,” is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access or use our digital wallet and related financial services through our website, mobile applications, APIs, and other platforms (collectively, the “Services”).

By using our Services, you agree to the collection and use of your information in accordance with this Privacy Policy.

1. Information We Collect

To provide you with secure, seamless, and personalized financial services, we collect several types of information:

1.1 Information You Provide Directly

Identity Information: Full name, date of birth, gender, nationality
Contact Information: Phone number, email address
Government-issued IDs: Citizenship certificate, Passport, National Identity Document, Driving License issued by Nepalese government and other identification documents (may be issued by international governments) for verification and compliance.
Account Credentials: Username, password, PIN, biometric data for authentication
Financial Information: Bank account details, credit/debit card information, transaction history, payment details
Employment Details: Occupation
KYC Documentation: Photos of ID documents, selfies for biometric verification

1.2 Information Collected Automatically

Usage Data: IP address, location data (with consent), device information.

1.3 Sensitive Information

Biometric Data: Fingerprints, facial recognition data (only if you enable biometric login features)
Financial Data: Credit/debit card details and transaction history are handled with enhanced security protocols.

2. How We Use Your Information

We use your information to:

Provide and Operate Services: Facilitate transactions, process payments, manage your wallet, and verify your identity.
Comply with Legal Obligations: Enforce KYC, Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), and other regulatory requirements.
Enhance User Experience: Personalize content, offers, and communications based on your preferences and transaction history.
Security and Fraud Prevention: Detect, prevent, and respond to unauthorized transactions or suspicious activities.
Customer Support: Address your queries, resolve disputes, and provide assistance.
Marketing and Promotions: With your consent, send promotional materials, newsletters, and offers relevant to you.
Internal Analysis: Improve our Services, perform audits, and carry out risk management.
Legal Enforcement: Protect our rights and enforce our terms and policies

3. Sharing and Disclosure of Information

We treat your information confidentially and only share it under the following conditions:

Service Partners: Authorized third-party who assist with payment processing. These parties are contractually bound to keep your data confidential and use it solely for agreed purposes.
Financial Institutions: Banks and payment networks involved in processing your transactions.
Regulatory Authorities: When required by law, court orders, or to prevent fraud or illegal activities.
Law Enforcement: To protect rights, property, or safety of Khalti, our users, or others.
Aggregated/Anonymized Data: We may share non-identifiable information for research, marketing, or analytical purposes.

We do not sell, rent, or trade your personal information to third parties for their independent use.

4. Security of Your Information

Protecting your personal and financial data is our top priority. We implement industry-standard security measures including:

Encryption: Secure Socket Layer (SSL) and Transport Layer Security (TLS) for data transmission
Data Storage: Sensitive information stored in encrypted databases with limited access controls
Authentication: Multi-factor authentication (MFA), biometrics, PINs, and password protection
Monitoring: Continuous monitoring for suspicious activities and fraud detection systems
Employee Training: Staff trained in data privacy and security best practices

Despite these measures, no system is completely foolproof. Please help protect your account by not sharing passwords or PINs and promptly reporting suspicious activity.

5. Cookies and Tracking Technologies

We use cookies, local storage, and similar technologies to:

Remember your login and preferences
Analyze usage patterns to improve functionality
Personalize content and marketing
Measure effectiveness of advertisements

You can manage cookie preferences via app permissions. Disabling cookies may impact your experience or limit access to certain features.

6. Data Retention

We retain your personal data only as long as necessary to:

Provide and improve our Services
Comply with legal and regulatory obligations (which may require retention for a defined period)
Resolve disputes and enforce agreements

When no longer needed, we securely delete or anonymize your information.

7. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. Please review this policy regularly on this page to stay informed about how we protect your information.

8. Contact Us

For questions, concerns, or requests regarding your personal data or this Privacy Policy, please contact:

IME Khalti Limited
Email: support@khalti.com
Grievance Handling Officer: Anish Kattel, support@khalti.com, +977‑9801856415

Thank you for choosing Khalti By IME. We prioritize your privacy and security while offering you a convenient and trustworthy digital wallet experience.