Privacy Policy

Dated: 9th January 2026

1. Introduction

Kixy is a group payments platform for people who share expenses. It connects to your existing accounts via Open Banking to provide a shared view of your group expenses, balances and settlements. Kixy is a trading name of Kixy Ltd, a company registered in England and Wales (Company Number: 11201126).

2. The Problem We Solve

Shared households are the reality for millions of UK adults. Managing shared costs—from rent and electricity to Friday night takeaways—often results in awkward reminders, chasing friends, and unmanaged spreadsheets. Kixy provides a 'Money with Memory' solution.

3. How We Obtain Your Personal Information

We collect information when you register for a Kixy account, use our app, connect your bank accounts via Open Banking, or contact our support team. We also receive data from third-party services you authorize to connect with Kixy.

4. What Personal Information Do We Collect

This includes identification data (name, DOB), contact details (email, phone), financial data (bank balances, transaction history via Open Banking), and technical data (IP address, device info).

5. Why Do We Collect Your Data

To provide our services, process your payments, prevent fraud, comply with legal obligations (like FCA regulations), and improve your experience within the Kixy app.

6. How Do We Keep Your Data Safe

We use bank-level 256-bit encryption for all data in transit and at rest. We never store your bank login credentials; all access to financial data is managed through secure Open Banking tokens.

7. Previous Versions

v1.0.0v1.2