[email protected]
Company No: 16879782

Privacy Policy

How we collect, use, and protect your personal data.

Home / Privacy Policy

Last updated: 28 November 2025

1. Introduction

SKD International Ltd ("we", "our", "us"), company number 16879782, registered in England and Wales, is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website, API services, and related platforms.

This policy is compliant with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018.

2. Data Controller

The data controller responsible for your personal data is:

SKD International Ltd
Suite 10247, 5 Brayford Square, London, E1 0SG, United Kingdom
Email: [email protected]
Company Number: 16879782

3. Information We Collect

We may collect and process the following categories of personal data:

3.1 Information You Provide

  • Full name, email address, phone number, and company name when you register, contact us, or apply for API access
  • Business registration details and identity verification documents for KYC compliance
  • Payment and billing information
  • Communication records when you contact our support team

3.2 Information Collected Automatically

  • IP address, browser type, operating system, and device information
  • Usage data including pages visited, features used, and API call logs
  • Cookies and similar tracking technologies (see our Cookie section below)

3.3 Transaction Data

  • Top-up transaction details including recipient phone numbers, amounts, operator information, and timestamps
  • Account balance and transaction history

4. How We Use Your Information

We use your personal data for the following purposes:

  • To provide, maintain, and improve our services and API platform
  • To process transactions and deliver digital top-up services
  • To verify your identity and comply with KYC/AML regulations
  • To communicate with you regarding your account, service updates, and support
  • To detect, prevent, and address fraud, security issues, and technical problems
  • To comply with legal obligations and regulatory requirements
  • To analyse usage patterns and improve platform performance

5. Legal Basis for Processing

We process your personal data on the following legal bases under UK GDPR:

  • Contract: Processing necessary for the performance of our service agreement with you
  • Legal Obligation: Processing necessary to comply with UK regulations (AML, KYC, tax)
  • Legitimate Interests: Processing necessary for fraud prevention, security, and service improvements
  • Consent: Where you have given consent for specific processing activities (e.g., marketing)

6. Data Sharing

We may share your data with:

  • Service Providers: Third-party operators and payment processors necessary to deliver top-up services
  • Legal Requirements: Government authorities, regulators, or law enforcement when required by law
  • Business Transfers: In connection with any merger, acquisition, or sale of assets

We do not sell your personal data to third parties.

7. Data Retention

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. Transaction records are retained for a minimum of 5 years in accordance with UK anti-money laundering regulations.

8. Data Security

We implement appropriate technical and organisational measures to protect your personal data, including:

  • TLS/SSL encryption for all data in transit
  • AES-256 encryption for data at rest
  • PCI DSS compliant payment processing
  • Regular security audits and penetration testing
  • Role-based access controls and multi-factor authentication

9. Your Rights

Under UK GDPR, you have the following rights:

  • Right of Access: Request a copy of the personal data we hold about you
  • Right to Rectification: Request correction of inaccurate or incomplete data
  • Right to Erasure: Request deletion of your data where there is no compelling reason for continued processing
  • Right to Restrict Processing: Request restriction of processing in certain circumstances
  • Right to Data Portability: Request transfer of your data to another service provider
  • Right to Object: Object to processing based on legitimate interests or direct marketing

To exercise any of these rights, please contact us at [email protected].

10. Cookies

Our website uses essential cookies necessary for the operation of the site. We do not use advertising or tracking cookies. Essential cookies include session cookies for maintaining your login state and security tokens.

11. International Transfers

Where we transfer data outside the UK, we ensure appropriate safeguards are in place, including Standard Contractual Clauses (SCCs) or transfers to countries with adequacy decisions.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

13. Contact & Complaints

If you have questions about this Privacy Policy or wish to make a complaint, please contact us:

SKD International Ltd
Email: [email protected]
Address: Suite 10247, 5 Brayford Square, London, E1 0SG, United Kingdom

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at ico.org.uk.