1. Introduction

Kaito is a technology platform designed to facilitate instant, affordable, and borderless value transfer—primarily through stable digital assets such as USDT—by integrating blockchain infrastructure with intuitive financial interfaces. Its mission is to offer practical, accessible financial tools for individuals and businesses across Central America and beyond, without functioning as a bank, licensed financial institution, or custodian in the traditional sense. Access to or use of Kaito’s services constitutes acceptance of these Terms of Use, the Privacy Policy, and the Communication Policy, all of which are binding and may be updated periodically.

2. Scope of Service

Kaito serves as a non-custodial or minimally custodial technology intermediary. Core functionalities include: (i) digital payments via supported networks (e.g., Tron, Solana, Lightning Network); (ii) integration with merchant point-of-sale (POS) systems; and (iii) issuance and management of virtual or physical cards linked to user-held asset balances. Importantly, assets transacted or stored on the platform—including stablecoins—are not covered by government-backed deposit insurance schemes.

3. Account Registration and User Responsibilities

Users must provide accurate, current, and complete information during registration and, when prompted, undergo identity verification (KYC) to comply with anti-money laundering (AML) standards. They bear sole responsibility for safeguarding login credentials, device security, and private key management. Kaito reserves the right to restrict or suspend access in cases of suspicious activity, regulatory breaches, or operational risk.

4. Transactions, Fees, and Digital Asset Use

Transactions settle on public blockchain networks; finality, speed, and cost are subject to external variables (e.g., network congestion, gas fees). While Kaito strives to keep costs below USD $0.001 per transaction, no absolute guarantee is offered. All fees—if applicable—are disclosed before confirmation. Users acknowledge that digital assets are not legal tender, may experience price deviations (even stablecoins), and carry inherent risks—including smart contract vulnerabilities, protocol forks, and user error. Kaito assumes no liability for losses arising from such external or self-inflicted events.

5. Intellectual Property and Limitation of Liability

All interface elements—including software, logos, documentation, and design—are proprietary to Kaito or its licensors. Unauthorized reproduction or commercial exploitation is prohibited. Services are provided as is and as available. Kaito disclaims warranties of uninterrupted access, absolute security, or financial outcomes. In no circumstance shall cumulative liability exceed fees paid by the user in the prior 30 days.

6. Data Protection and Privacy Principles

Kaito adheres rigorously to the UK GDPR and Data Protection Act 2018. It collects only data necessary for transaction processing, regulatory compliance (KYC/AML), service improvement, and user communication. Personal information is neither sold nor shared without explicit consent, except where legally mandated (e.g., with auditors or payment processors). Users retain full rights to access, correct, restrict, or delete their data. Technical safeguards—including encryption, access controls, and routine security audits—ensure data integrity and confidentiality.

7. Communications and Platform Integrity

Kaito engages users exclusively through consent-based messaging on approved channels (e.g., WhatsApp Business, email, Instagram). Messages are limited to service-related notifications, support, or marketing explicitly opted into by the user. Sensitive data is never solicited via unsecured channels. The dissemination of illegal, fraudulent, discriminatory, or harmful content is strictly prohibited—and may result in immediate account restriction.

8. Policy Updates and Contact

Kaito may revise these policies to reflect legal, technological, or operational developments. Changes take effect upon publication; continued use implies acceptance. Users are encouraged to review policies regularly. For inquiries or to exercise data rights, contact the Data Protection Officer at:
📧 privacy@kaito.io
📍 United Kingdom