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WEBSITE PRIVACY POLICY

KAVODAX INC.

WEBSITE PRIVACY POLICY

Effective Date: April 22, 2026 | kavodax.com

This is the privacy policy of Kavodax Inc. (“Kavodax”, “we”, “us”, or “our”). It summarizes what personally identifiable information (“PII”) we collect, and how we use and disclose this information. By using our website at kavodax.com (the “Site”), you signify your consent to the terms of this Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use this Site or submit any PII to us.

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We reserve the right to modify this Privacy Policy at any time. Any modifications will be reflected on our Site. We suggest that you periodically review this Privacy Policy. Your continued use of the Site after any such changes constitutes your acceptance of this Privacy Policy, as revised.

Privacy Policy Summary

This Privacy Policy covers the following topics:

  • What PII We Collect
  • How We Use PII
  • How We Share PII
  • Your Choices
  • How We Protect PII
  • How Long We Retain PII
  • Accessing and Correcting Your PII

What PII We Collect and How We Collect It

PII is information about an identifiable individual. We collect PII only for purposes that a reasonable person would consider appropriate in the circumstances, and only with your knowledge and consent, except where otherwise required or permitted by law.

Kavodax may collect PII when you voluntarily provide it through our Site or through other means, including when you:

  • Contact us through e-mail, telephone, mail, or other correspondence;
  • Register for or use a service we provide (including cross-border payment, FIAT on-ramp/off-ramp, stablecoin conversion, or last-mile payout services);
  • Submit an inquiry or sign up on our website; or
  • Register to receive our newsletter.

The PII we may collect will depend on the service you request and may include:

  • Your full name;
  • Date of birth;
  • Contact information, such as your address, telephone number, or e-mail address;
  • Financial information reasonably required to facilitate payment services; and
  • Any other PII that you choose to submit to us.

How Kavodax Collects Information Through Technological Means

When you visit our Site, we may collect information that is automatically sent to us by your web browser. This information may include your domain name, numerical IP address, browser type, operating system, the pages you view, and the files you request. We use this information to better understand how visitors use our Site and to improve our Site to better meet your needs.

Kavodax may use “cookies” and other similar devices on this Site to enhance functionality. These devices may track information including: (i) IP address, (ii) the type of web browser and operating system used, (iii) the pages of the Site visited, and (iv) browsing habits and preferences. We use this information to improve Site functionality and your user experience.

We use the following types of cookies: functional cookies (to remember your selections), analytical cookies (to understand how you access our Site), targeting cookies (to personalize your experience), and third-party cookies (to monitor user performance and tailor content). If you wish to disable cookies, refer to your browser’s help menu to learn how. Disabling cookies may decrease the quality of your user experience.

How Kavodax Uses and Discloses PII

The PII we collect may be used by Kavodax for the purposes for which it was collected, as provided in this Privacy Policy, or for other purposes disclosed to you and to which you consent. We may use your PII to:

  • Respond to your inquiries and provide customer support;
  • Supply you with requested products or services, including cross-border payment processing, FIAT on-ramp and off-ramp services, stablecoin conversion, and last-mile payouts;
  • Communicate with you for follow-up or onboarding purposes;
  • Send you informational or promotional communications (with your consent);
  • Meet our legal and regulatory obligations, including those under FINTRAC; and
  • Carry out any other purpose permitted or required by law.

Who We Share PII With

We may disclose user data to any member of our organization who reasonably needs access to carry out the purposes set out in this Privacy Policy.

We may transfer PII to third-party service providers that assist us in carrying out these purposes, including:

  • Channel partners who provide access to international markets, currency conversions, or on-ramp and off-ramp services; and
  • FINTRAC, for the purpose of maintaining compliance with applicable legal and regulatory obligations.

Third parties will not be able to access user data beyond what is reasonably necessary to achieve the given purpose. We require our service providers to protect PII in a manner consistent with our privacy practices and applicable privacy laws. We remain responsible for PII in the possession of our service providers.

Other Disclosures

We will not sell or share your data with other third parties, except in the following cases:

  • If required by law;
  • If required for any legal proceeding;
  • To prove or protect our legal rights;
  • To buyers or potential buyers of Kavodax in the event that we seek to sell the company; or
  • Kavodax reserves the right to transfer PII in the event that we merge with or are acquired by a third party.

If you follow hyperlinks from our Site to another site, please note that we are not responsible for, and have no control over, their privacy policies and practices.

Your Choices

If you receive commercial e-mail from us, you may opt out by using the “unsubscribe” tool at the bottom of any such email, or by updating your email preferences under “Your Account” on our Site. You may also contact us directly to request that we limit or cease use of your PII for marketing purposes.

How We Protect PII

The security of your PII is important to us. We protect your PII through appropriate security safeguards against loss, theft, unauthorized access, disclosure, copying, use, or modification. These safeguards include physical measures (such as locked filing cabinets), organizational measures (such as employee training and restricted access), and technological measures (such as the strongest available browser encryption and secure server storage).

PII may be accessed only by persons within our organization who require such access to carry out the purposes described in this Privacy Policy. All employees are bound by strict confidentiality agreements, and a breach of such agreement would result in the employee’s termination.

It is important to understand that no security measures are absolute. We cannot guarantee the safety of any information you provide to us. The Internet as a whole can be insecure at times, and therefore we are unable to guarantee the security of user data beyond what is reasonably practicable.

How Long We Retain PII

All PII we collect is stored on servers located in Canada. We retain PII only as long as necessary for the purposes for which it was collected, or as required to meet our legal obligations. We will notify you if your data is kept for longer than the period for which it was originally collected. We destroy PII when it is no longer needed for such purposes.

Children

We do not knowingly collect or use PII from children under 13 years of age. If we learn that we have collected PII from a child under 13, that information will be deleted as soon as possible. If a child under 13 has provided us with PII, their parent or guardian may contact us using the information below.

Accessing and Correcting Your PII

You have a right to access your PII and to request a correction to it if you believe it is inaccurate. If you have submitted PII and would like to have access to it, or if you would like to have it corrected or deleted, please contact us using the information provided below. We may require you to verify your identity before allowing access to your PII.

How to Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy, or to access or correct your information, please contact Kavodax Inc. at:

Kavodax Inc.

2 Simcoe St S Ste 300, Oshawa, ON L1H 8C1

gharsa.amin@kavodax.com

(437) 436-0034

kavodax.com

If you are not satisfied with our response to your privacy concerns, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca or 1-800-282-1376.

Modifications

This Privacy Policy may be amended from time to time in order to maintain compliance with the law and to reflect any changes to our data collection process. When we amend this Privacy Policy, we will update the Effective Date at the top of this page. We recommend that users periodically review this Privacy Policy to ensure they are notified of any updates. If necessary, we may notify users by email of changes to this Privacy Policy.