Privacy Policy

This Privacy Policy explains how Dicha, Inc. ("Dicha", "we", "us", or "our") collects, uses, discloses, and safeguards your information when you use our website and mobile application (together, the "Services").

By using the Services, you agree to the collection and use of information in accordance with this policy. If you do not agree, please do not use the Services.

Account information: your name, email address, phone number, date of birth, and government-issued identification details required to verify your identity under applicable law.

Transaction information: recipient details, transfer amounts, payment methods, and transaction history.

Device and usage information: IP address, device identifiers, browser type, operating system, and how you interact with our Services.

Information from third parties: identity verification providers, payment processors, and fraud-prevention partners may share information with us to help verify your identity and secure transactions.

To provide, operate, and improve the Services, including processing transfers and verifying your identity.

To comply with legal and regulatory obligations, including anti-money-laundering (AML) and know-your-customer (KYC) requirements.

To detect, prevent, and investigate fraud, security incidents, and other harmful activity.

To communicate with you about your account, transactions, and — where you've opted in — promotional offers.

With regulated banking, payment, and money-transmission partners necessary to complete your transfers.

With identity verification and fraud-prevention vendors.

With regulators and law enforcement where required by law.

We do not sell your personal information to third parties for their own marketing purposes.

We retain personal information for as long as necessary to provide the Services and to comply with legal, regulatory, and accounting requirements, which in the money-transfer industry commonly means several years after your last transaction.

Depending on where you live, you may have the right to access, correct, delete, or export your personal information, or to object to certain processing. To exercise these rights, contact us at privacy@dicha.com.

We use administrative, technical, and physical safeguards designed to protect your information, including encryption in transit and at rest. No system is completely secure, and we encourage you to use a strong, unique password and enable available account security features.

The Services are not directed to individuals under 18, and we do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. We'll notify you of material changes by posting the updated policy on this page with a new effective date.

Questions about this policy can be sent to privacy@dicha.com.