Privacy
Policy

1. Who we are

KRU Payments (“KRU”, “we”, “us”) provides a mobile wallet and point-of-sale service in Jamaica. This policy explains how we handle personal information when you use the KRU app, a KRU merchant till, or this website, kruspend.com.

2. What we collect

We collect the information we need to run your account and move your money safely:

• Details you give us when you open an account, such as your name, phone number, email address and KRU tag, and the documents needed to confirm who you are.
• Payment information, such as the amounts, times, references and the KRU tags or merchants involved in money you send, receive or collect.
• Business details, if you open a merchant account, such as your business name and the bank account your payouts go to.
• Device and usage information, such as the type of phone or browser you use and how you use the service, which helps us keep accounts secure and fix problems.
• Messages you send us when you contact support.

3. How we use it

We use personal information to open and run your account, process payments and payouts, show you your history, prevent fraud and misuse, answer your questions, improve the service, and meet our legal and regulatory obligations.

4. Who we share it with

We share personal information only where it is needed to provide the service or where the law requires it. That includes the banks and payment partners that move your money, service providers that work on our behalf under contract, and regulators or law enforcement where we are legally required to respond. When you pay a merchant or another person, they see the details needed to recognise the payment, such as your name or KRU tag and the amount.

5. Cookies on this website

This website uses the cookies needed for it to work, for example to keep a merchant signed in to their till. We do not use them to follow you around other websites.

6. How long we keep it

We keep personal information for as long as your account is open, and afterwards for as long as the law requires financial records to be kept. When we no longer need it, we delete it or make it anonymous.

7. Your rights

Under Jamaica’s Data Protection Act you have rights over your personal information, including the right to ask what we hold about you, to have mistakes corrected, and in some cases to object to or restrict how it is used. To use any of these rights, contact us using the details below. You also have the right to complain to the Office of the Information Commissioner.

8. Keeping it safe

We protect personal information with technical and organisational safeguards, and we limit access to the people who need it to do their jobs. You can read more on our Security page.

9. Changes to this policy

We will update this page when the way we handle personal information changes, and we will change the date at the top when we do. If a change is significant we will tell you in the app or by email.

10. Contact us

Questions about this policy or your personal information can be sent to support@kruspend.com, or through our Support page.