Privacy Policy

Effective Date: 25 September 2026

Kapisa Telecom (“Kapisa Telecom,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal and transaction information.

This Privacy Policy explains how we collect, use, process, store, and protect information when you use the Kapisa Telecom mobile application, website kapisatelecom.com, and related services (collectively, the “Services”).

Kapisa Telecom provides digital and telecommunications-related services in Afghanistan, including mobile recharge and top-up services, money transfer and Hawala-related services, game credits, PUBG UC, game diamonds, IMO credits, vouchers, and other digital products and services.

By accessing or using our website or mobile application, you acknowledge that you have read and understood this Privacy Policy and agree to the practices described below.

1. Information We Collect

We may collect information that you provide directly to us, information generated through your use of our Services, and information received from authorized service providers.

Depending on the Services you use, we may collect:

• Full name
• Mobile phone number
• Email address
• Customer or user account information
• Login information
• Sender and recipient information
• Transaction information
• Mobile numbers used for recharge
• Game or player IDs
• PUBG Player IDs or account information required to deliver UC
• IMO account or mobile number where required
• Information required to deliver game diamonds, credits, vouchers, or other digital products
• Payment and transaction references
• Customer support information
• Information submitted through forms or other communication channels

We only request information reasonably necessary to provide, process, verify, and support the Services you request.

2. Mobile Recharge and Top-Up Services

Kapisa Telecom may provide mobile recharge and top-up services for supported telecommunications networks in Afghanistan.

To process a recharge, we may collect:

• Mobile phone number
• Selected mobile network/operator
• Recharge amount
• Transaction reference
• Payment confirmation
• Date and time of the transaction

This information is used to process the recharge, confirm successful transactions, provide receipts, resolve transaction issues, and maintain appropriate transaction records.

3. Hawala and Money Transfer Services

Where available through Kapisa Telecom, money transfer or Hawala-related services may require additional information for transaction processing, verification, security, and compliance purposes.

This information may include:

• Sender's name
• Recipient's name
• Sender and recipient contact information
• Transfer amount and currency
• Transaction reference number
• Payment information
• Identification or verification information where required
• Information necessary to prevent fraud or unauthorized transactions

We may retain transaction and verification records for as long as reasonably necessary to provide the service, resolve disputes, prevent fraud, and meet applicable legal, regulatory, accounting, and business requirements.

4. Game Credits and Digital Products

Kapisa Telecom may provide digital credits and products for supported games, applications, and online services.

These may include:

• PUBG UC
• Game Diamonds
• Game Coins and Credits
• IMO credits or related digital services
• Game vouchers
• Digital codes
• Other supported digital products

To complete these transactions, we may collect information such as your mobile number, game/player ID, account ID, selected product, quantity, transaction amount, and transaction reference.

This information is used to verify the order and deliver the requested digital product or credit.

Kapisa Telecom does not claim ownership of PUBG, IMO, or other third-party games, applications, brands, or digital platforms. Such third-party services remain the property of their respective owners.

5. Account Information

Certain features of our Services may require you to create an account.

Your account may contain information such as:

• Name
• Mobile number
• Email address
• Account ID
• Transaction history
• Service history
• Other information necessary to provide our Services

You are responsible for keeping your account credentials secure and should notify us if you believe your account has been accessed without authorization.

6. Payment and Transaction Information

When you purchase a service or digital product, we may collect information necessary to identify and process your transaction.

This may include:

• Transaction amount
• Payment method
• Payment reference
• Transaction ID
• Payment confirmation
• Sender or payer information
• Date and time of payment

Where payments are processed through banks, mobile financial services, payment providers, or other authorized third parties, those providers may process payment information according to their own terms and privacy policies.

Where applicable, Kapisa Telecom does not intentionally store complete payment-card information when payment processing is performed directly by an authorized third-party payment provider.

7. Information Collected Automatically

When you use our website or mobile application, certain technical information may be collected automatically, including:

• IP address
• Device type and model
• Operating system
• Browser type and version
• Mobile application version
• Device identifiers
• Language preferences
• Date and time of access
• Pages or screens visited
• General usage information
• Technical and diagnostic information

We may use this information to maintain security, troubleshoot technical problems, monitor performance, and improve our Services.

8. Location Information

The Kapisa Telecom mobile application may request access to your location when a feature requires location information.

Location information may be used to:

• Provide location-based services
• Help identify nearby service locations or agents
• Improve service availability
• Support security and fraud prevention
• Improve the functionality of the application

You can control location permissions through your mobile device settings. Disabling location access may affect certain features.

9. Cookies and Similar Technologies

Our website may use cookies and similar technologies to:

• Remember preferences
• Maintain user sessions
• Improve website functionality
• Analyze website traffic
• Improve performance
• Support security

You may manage or disable cookies through your browser settings. Some website features may not function correctly if certain cookies are disabled.

10. Analytics

We may use analytics services such as Google Analytics or similar technologies to understand how users interact with our website and application.

Analytics information may include general information about visits, devices, pages viewed, features used, and website or application performance.

We use this information to improve our Services, identify technical problems, and understand general usage patterns.

11. How We Use Your Information

Kapisa Telecom may use collected information to:

• Create and manage customer accounts
• Process mobile recharge and top-up transactions
• Process money transfers and Hawala-related transactions
• Deliver PUBG UC and other game credits
• Deliver game diamonds, coins, vouchers, and digital products
• Process IMO-related credits or services
• Verify transactions
• Provide customer support
• Send transaction confirmations and service notifications
• Maintain transaction records
• Prevent fraud and unauthorized transactions
• Protect our systems and customers
• Improve our website and mobile application
• Resolve transaction disputes
• Comply with applicable laws and regulatory requirements

12. Sharing of Information

Kapisa Telecom does not sell your personal information.

We may share limited information with authorized parties when necessary to provide or complete a requested service, including:

• Telecommunications operators
• Banks and payment providers
• Authorized financial or money-transfer partners
• Hawala service partners, where applicable
• Game and digital product providers
• Technology and hosting providers
• Security and fraud-prevention service providers
• Customer support providers
• Government authorities or law-enforcement agencies where required or permitted by applicable law

We aim to share only information that is reasonably necessary for the relevant service or legal requirement.

13. Third-Party Services

Some Kapisa Telecom Services may depend on third-party platforms, telecommunications operators, payment providers, banks, game publishers, or digital service providers.

For example, completing a mobile recharge or delivering a game credit may require communication with the relevant third-party provider.

Third-party services have their own terms and privacy policies. Kapisa Telecom is not responsible for the privacy practices or security policies of independent third-party services.

14. Data Security

We take reasonable technical and organizational measures to protect personal information and transaction data against unauthorized access, misuse, loss, alteration, or disclosure.

However, no website, mobile application, online service, or electronic transmission can be guaranteed to be completely secure.

Users are also responsible for protecting their passwords, account credentials, mobile devices, and other sensitive information.

15. Data Retention

We may retain personal, account, and transaction information for as long as reasonably necessary to:

• Provide our Services
• Maintain transaction records
• Provide customer support
• Resolve disputes
• Prevent fraud and unauthorized activity
• Meet accounting and business requirements
• Comply with applicable legal or regulatory requirements

The retention period may vary depending on the type and purpose of the information.

16. Privacy and Communications

We take reasonable measures to protect the confidentiality of customer information and communications handled through our Services.

Where disclosure of information is required by applicable law, lawful authority, court order, or a legitimate regulatory requirement, we may provide the required information to the appropriate authority.

17. Children's Privacy

Our Services are not intended to knowingly collect personal information from children without appropriate authorization.

If you believe that a child has provided personal information to us without appropriate consent, please contact us so that we can review the matter and take appropriate action.

18. Your Privacy Rights

Subject to applicable laws and legitimate business or legal requirements, you may contact us to:

• Request access to certain personal information we hold about you
• Request correction of inaccurate information
• Ask how your information is being used
• Request deletion of certain information where legally permitted
• Raise concerns regarding the processing of your information

Certain transaction, financial, security, or legally required records may need to be retained.

19. Changes to This Privacy Policy

Kapisa Telecom may update this Privacy Policy from time to time to reflect changes in our Services, technology, business practices, or applicable legal and regulatory requirements.

Any updated Privacy Policy will be published on our website or within our mobile application together with the updated effective date.

We encourage users to review this Privacy Policy periodically.

20. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact Kapisa Telecom through our official website or customer support channels.

Kapisa Telecom

Website: https://kapisatelecom.com/

Email: info@kapisatelecom.com

Privacy & Customer Support Team

Effective Date: 25 September 2026