PRIVATE LABEL AI LUXURY
BUSINESS DEBIT CARD

Privacy Policy

Effective Date: November 2025
Entity: Kayanda Capital ("we," "our," "us"), operating the PRIVATE LABEL AI LUXURY BUSINESS DEBIT CARD program.

1. Overview
This Privacy Policy explains how we collect, use, disclose, and protect personal and business data in connection with our Private Label AI Luxury Business Debit Card (TM) program. By using our website or services, you consent to this policy.

2. Data We Collect
We collect limited personal, business, and payment-related data necessary to provide our services, including:
- Identity and contact details (e.g., business name, email, address).
- Payment and billing information for enrollment and transactions.
- Verification and compliance (KYC/AML) data as required by law.
- Device, usage, and browser data to improve platform security and experience.
We do not sell personal data and do not collect more information than necessary to operate and maintain compliance.

3. How We Use Data
We use collected data to:
- Provide and manage business debit card and financial tools.
- Process secure payments and partner onboarding.
- Meet regulatory and legal requirements (e.g., KYC, AML).
- Detect and prevent fraud or unauthorized activity.
- Improve platform functionality, analytics, and user experience.
- Communicate service updates and relevant account notices.

4. Data Protection & Encryption
We apply strict technical and organizational security measures, including:
- TLS encryption during data transmission.
- Encrypted storage for sensitive fields at rest.
- Tokenization of payment data by PCI-compliant providers.
- Restricted access to production data on a need-to-know basis.

5. Payment Processing & Financial Data
Scope:
For payment functionality, partner onboarding, and transaction processing, we use reputable third-party payment and credit authorization services. We do not store raw payment card numbers on our systems in unencrypted form.
- Tokenization & Storage: Sensitive payment details are tokenized and stored only by PCI-compliant processors.
- Encryption & Transport Security: All data transmitted between your device, our systems, and third-party processors is protected using modern TLS encryption.
Contact: Questions or privacy inquiries: kayandallc@gmail.com

Terms of Service

1. Overview
These Terms of Service ("Terms") govern your access and use of the platform and related services. By using our site or program, you agree to these Terms.

2. Eligibility
Use is restricted to verified business entities and authorized representatives 18 years or older. KYC verification may be required before participation.

3. Services Provided
Kayanda Capital facilitates a private label business debit card and payment solution offering:
- Up to 10 free virtual and physical cards.
- BNPL options via Klarna, Affirm, and similar providers.
- Branded business wallet and payment infrastructure.
- Secure partner onboarding and transaction management.

4. Payment & Fees
Program payments are processed through our secure checkout system. Fees and terms are displayed before checkout. By completing payment, you authorize the charge to your selected method.

5. Refunds & Chargebacks
Refunds and disputes must be requested in writing via kayandallc@gmail.com. We follow payment network rules and applicable law when resolving chargebacks.

12. Contact
All legal, privacy, and compliance inquiries: kayandallc@gmail.com

© 2025 Kayanda Capital. All rights reserved.