Privacy Policy

1. Who we are

Kunde (getkunde.com) is a loan and insurance comparison marketplace for Central America. Kunde is not a financial institution or an insurer: we compare and connect; approval and contracting are handled by each institution. Data controller: Kunde · contact: soporte@getkunde.com.

2. Data we collect

• Account data: name, email, phone number, country and password (stored as a cryptographic hash, never in plain text).
• Financial profile you declare: income, free monthly amount, debts (where, what type, how much), employment situation, age, region and — for insurance — your risk profile (claims, smoker, pre-existing conditions, asset age).
• Your requests and their journey: product, amount, offers received, selection, contracts and satisfaction survey.
• Documents and signature: files you upload during a process and your signature (touch, typed or signed file).
• Kunde Advisor messages and audit events for security and traceability.

3. Identity verification (optional, by Didit)

If you choose to verify, the process (ID document and selfie) is performed by Didit (didit.me) on its own platform. Kunde never stores your documents or selfie — we only receive the result (verified or not) to show the "Verified person" badge. Verification is never mandatory.

4. How we use your data

• Running the comparison and matching: your declared profile (without your contact details or ID) is shared with qualifying institutions in your country so they can compete with real offers.
• Connecting you with the partner you chose: only after you accept an offer, that single partner receives your contact details to close the process.
• Transactional email notifications (via Brevo) and security, fraud prevention and legal compliance.

Credit bureau checks (CICOC and equivalents) are performed by each institution with your explicit authorization; Kunde never stores that data.

5. Legal basis

We process your data under your explicit consent per transaction (checkboxes never pre-ticked), in line with Costa Rica's Law 8968 and the applicable data-protection legislation of each country where we operate.

6. Sharing (and NOT sharing)

• Partners: anonymous declared profile during the auction; contact details only to the winning partner after your acceptance.
• Processors: Didit (optional identity verification), Brevo (transactional email) and Microsoft Azure (infrastructure and AI assistant).
• Never: we do not sell or rent your data, there is no third-party advertising, and we do not track you across other apps or sites.

7. Your rights

Access, rectification, cancellation, objection, consent revocation, portability and deletion. In the app: My Account → Privacy. Or email soporte@getkunde.com. We respond within 10 business days. Deletion irreversibly anonymizes your account and the personal information in your requests.

8. Security, retention and minors

All traffic is TLS-encrypted; passwords are hashed; internal access is role-based with granular permissions and a full audit log. We keep data while your account is active or as required by law. Kunde is for adults (18+).

9. Contact

Questions or complaints: soporte@getkunde.com.