Legal Center

Kushki legal and regulatory documentation

Find here all legal documentation related to the provision of our services.

T&C 2025

Our commitments explained

Key information from our policies, sourced from Kushki's official documentation.

Kushki uses cookies and web tracking technologies on its sites and apps to optimize user experience and analyze traffic patterns.

We collect browsing data: pages visited, session duration, and links accessed
Personal data is stored only with explicit consent or when required for the requested service
We implement mechanisms to inform users about cookies per applicable regulations
We are not responsible for cookies used by third parties accessed through our sites

Kushki ensures personal data protection with the highest industry standards, complying with applicable laws in all countries where it operates.

PCI DSS and ISO 27001 certifications verified through regular audits
Data stored on AWS with encryption, firewalls, and SSL protocols
We never sell or rent personal data; sharing only occurs in expressly defined cases
Data subjects may exercise their rights over personal data at any time

Kushki maintains zero tolerance for illegal activities. All merchants are verified before onboarding and continuously monitored.

Identity verification of merchants and ultimate beneficial owners (UBO) prior to onboarding
Mandatory consultation of OFAC, UN, and European Union sanction lists
Continuous transaction monitoring to detect unusual patterns
Right to block operations when suspicious activity is detected without justification

Kushki guarantees high availability standards and defined response times for its payment platform.

Kushki's platform must be used exclusively for lawful activities. Certain business categories and transactions cannot be processed.

Prohibited for companies involved in pyramid schemes, weapons, or illegal activities
Entities sanctioned by OFAC, the UN, or the European Union are not allowed
Transactions with jurisdictions under international sanctions are prohibited
Enhanced restrictions for tobacco, alcohol, and adult content with reinforced controls

Kushki operates under local regulatory frameworks in each country, with valid licenses and formal processes for interaction with regulatory bodies.

All affiliated merchants must hold valid licenses for their activity in their jurisdiction
Compliance with Fintech Regulation 2023 and anti-money laundering regulations
Formal and dedicated process for responding to regulatory authority requirements
The Corporate Governance Directorate oversees regulatory compliance across all markets