Kashimi Tech

Terms and Conditions

Introduction and acceptance

Kashimi, UAB (hereinafter - “Kashimi”, “we”, “us” or “our”), company code 307023969, having its registered office address at Vito Gerulaičio st. 6-1, LT-08200 Vilnius, Lithuania, is an account-to-account (A2A) payment infrastructure-as-a-service provider operating across Europe.

Kashimi provides account-to-account (A2A) payment infrastructure-as-a-service to financial institutions; however, Kashimi is not a financial institution itself and does not offer any payment or other licensed financial services at any stage.

By accessing or using this website (hereinafter - “Site”), including any of its features or content, you agree to be bound by these Terms and Conditions (hereinafter - “Terms”). If you do not agree to the Terms, you must refrain from using the Site.

Use of site content

All text, graphics, logos, and other content available on the Site are the property of, or licensed to, Kashimi and are protected by copyright and other intellectual property laws. Any use of such material outside the scope expressly permitted in these Terms is strictly prohibited.

You may view, download, or print content solely for your personal or internal business use to the extent related to Kashimi’s services, provided that all proprietary notices remain intact and you comply fully with these Terms.

User obligations

You agree to use the Site in a lawful and respectful manner and to refrain from any unlawful, abusive, or otherwise harmful actions that could interfere with, damage, or disrupt the Site or its functionality.

You shall not:

Interfere with or disrupt the functionality of the Site;
Bypass, disable, or otherwise circumvent any security or access control measures;
Upload, transmit, or introduce any viruses, malware, or other malicious code;
Access or attempt to access data or systems without authorization;
Engage in any other activity that may harm the Site or its users.

Without prejudice to the above, Kashimi disclaims all liability for any loss or damage you may suffer as a result of actions by third parties, including but not limited to unauthorized access, cyberattacks, data breaches, or misuse of the Site.

Kashimi A2A infrastructure

Kashimi provides account-to-account (A2A) payment infrastructure-as-a-service to financial institutions, enabling them to offer payment services through a single open banking–based application programming interface (API), however, with numerous banks integrated.

To learn more about Kashimi’s infrastructure, you can submit a demo request via the Site, and we will contact you shortly and provide more details and information.

Kashimi process all personal data received in connection with the users’ use of the Site in accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (hereinafter - “GDPR”), as well as any other applicable laws governing the processing of personal data and the protection of privacy.

What do we collect?

When you submit a request form for a demo or otherwise contact us, we may collect the following:

Full name;
Email address;
Company name;
Website address;
Other information you voluntarily provide to us.

When accessing the Site, we may automatically collect the following:

Device type and unique identification numbers;
Browser type, version, and language settings;
Date and time of site visits and requests;
Online identifiers, including cookies and IP addresses;
Interaction history, such as clicked links, visited pages, and session duration;
Geographic location (non-precise, based on IP address);
Operating system version and technical logs.

We do not knowingly collect any sensitive personal data, such as:

Racial or ethnic origin;
Religious or philosophical beliefs;
Biometric data.

If we receive any sensitive personal data unintentionally, it will be deleted immediately, unless required to be kept under the applicable laws and regulations.

What is the purpose and legal basis for personal data processing?

We process your personal data based on one or more legal bases as outlined under Article 6 of the GDPR. Below are the primary legal grounds we rely upon and the associated purposes for which we use your personal data.

We process your personal data for the purposes and based on the legal bases as follows:

Your consent (Article 6(1)(a) of GDPR).

In certain cases, we may request your consent to process your personal data. This consent may be sought for purposes such as: responding to your demo or contact requests; communicating with you about our services; sending you promotional offers, newsletters, and product updates; providing personalized content and recommendations based on your usage; analyzing the effectiveness of our marketing and understanding user engagement trends; and/or collecting feedback to enhance the quality of user’s experience.

For direct marketing purposes, personal data may be processed for a period of two (2) years following your explicit consent. You have the right to withdraw your consent and unsubscribe from all or specific marketing communications at any time. You may opt out by contacting us directly or using the unsubscribe option provided in our communications. Declining or withdrawing from direct marketing will not result in any negative consequences, except that you will no longer receive relevant offers, updates, or other promotional information in the future.

Legal obligation (Article 6(1)(c) of GDPR).

In certain cases, we may be required to process your personal data to comply with legal obligations applicable to Kashimi under data protection and other relevant laws and regulations.

Legitimate interest (Article 6(1)(f) of GDPR).

In certain cases, we may process your personal data based on Kashimi’s legitimate interests. This includes, but is not limited to, the following purposes: (i) the Site and operational integrity: ensuring the security, availability, and confidentiality of our Site, systems, and operations; (ii) legal compliance and proceedings: investigating, resolving, and responding to disputes; establishing, enforcing, or defending legal claims; cooperating with law enforcement authorities, courts, or regulatory bodies as required by applicable law; (iii) service and platform improvement: analyzing usage trends and user behavior to optimize functionality; conducting research, statistical analysis, and product development; testing and deploying new features to enhance the user experience; (iv) direct marketing: where permitted by law, we may process your personal data for direct marketing based on our legitimate interest (Article 81(2) of the Law on Electronic Communications of the Republic of Lithuania).

We will not process your personal data for any purpose not specified above unless you have provided explicit consent, the processing is required under applicable laws or regulations, or it is necessary to protect vital interests, such as preventing harm.

Do we share your personal data with third parties?

We only share your personal data when necessary to fulfill our legal obligations or to protect our security, business operations, or other legitimate interests. We will never sell your personal data to third parties.

However, we may disclose your personal data under certain circumstances, such as when required by a court order, arbitration ruling, or government directive, or when requested by regulatory authorities or law enforcement agencies.

In the event of a merger, acquisition, corporate restructuring, or sale of assets, your personal data may be transferred to the acquiring or successor entity as part of the transaction.

We may also share your personal data with trusted third parties, including law firms, auditors, tax consultants, and regulatory compliance advisors, for the purpose of ensuring legal compliance and maintaining business continuity.

Additionally, we may share your data with service providers who perform services on our behalf, such as cloud storage providers, IT service providers, marketing and analytics providers, and other vendors necessary for the operation and support of our services.

In all cases, all third-party service providers are contractually obligated to process your personal data solely for the specified purposes, implement appropriate security measures to protect your data, and comply with all applicable data protection laws.

Do we share your personal data with third parties?

In the event of a merger, acquisition, corporate restructuring, or sale of assets, your personal data may be transferred to the acquiring or successor entity as part of the transaction.

Cookies policy

We use cookies on our Site. We use cookies and similar tracking technologies to improve your experience on our Site, analyze traffic, and support marketing and analytics efforts. By continuing to use our Site, you consent to the use of cookies unless you disable them as provided below.

What cookies are?

Cookies are small text files stored on your web browser or device’s hard drive when you visit websites. They help ensure a smooth and efficient browsing experience by enhancing website functionality, remembering user preferences, and supporting analytical purposes to improve the users’ experience.

According to the function they perform, the cookies are classified into:

Required cookies.

These cookies are essential for the website to function properly. They enable core features such as page navigation, secure access to certain areas, and consent management. Without these cookies, the website cannot operate as intended, and certain functionalities may become unavailable.

Functional or technical cookies.

These cookies enable the website to remember choices you make—such as your language preference, region, or other customizable settings—to provide a more personalized and consistent user experience. They support enhanced functionality and usability, but are not essential for the website to operate.

Statistical or analytic cookies.

These cookies collect aggregated, anonymous information about how visitors interact with the website, such as which pages are visited most often or how users navigate through the site. This data helps website managers understand usage patterns, measure performance, and improve site functionality.

Marketing or advertising cookies.

These cookies are used to track visitors across websites in order to deliver personalized advertisements based on their interests and browsing behavior. They also help limit the number of times an ad is shown and measure the effectiveness of advertising campaigns. These cookies are typically set by third-party advertising partners.

What cookies does Kasimi use?

Kashimi uses the following cookies:

Type

Google Analytics

LinkedIn Cookies

Cookie name

_ga

_gid

_gat

_gat_gtag_UA_*

_gac_<property-id>*

_ga_<container-id>

li_gc

lidc

bcookie

bscookie

lang

UserMatchHistory

AnalyticsSyncHistory

Category and purpose

Statistical / analytic. Used to distinguish users.

Functional / technical. Throttles request rate.

Marketing / advertising. Stores campaign information.

Statistical / analytic. Maintains session state.

Required / functional. Stores user consent for LinkedIn cookies.

Functional / technical. Used for routing.

Functional / technical. Browser ID cookie.

Functional / technical. Secure browser ID cookie.

Functional / technical. Sets default language.

Marketing / advertising. Used for LinkedIn Ads ID syncing.

Marketing / advertising. Tracks synchronization of LinkedIn Ads IDs.

Duration

2 years

24 hours

1 minute

90 days

2 years

1 day

2 years

Session

30 days

Why do Kashimi use cookies?

Kashimi uses cookies for several purposes to enhance the functionality, performance, and effectiveness of its Site. These include:

So that the Site can recognize returning visitors and remember their settings and preferences, such as language selection or region, ensuring a more personalized and user-friendly experience;
To analyze how visitors interact with the Site (e.g., which pages are visited, how long visitors stay), enabling Kashimi to improve Site performance, structure, and content based on actual usage trends;
To monitor and manage the technical operation of the Site, such as traffic load and page load times, ensuring stable and secure website performance;
To deliver and optimize advertising by using third-party cookies that track user behavior across websites, allowing Kashimi to show relevant ads, measure campaign performance, and limit repetitive advertisements.
To help ensure that consent for cookie usage is properly recorded and remembered for compliance with data protection regulations.

How to manage cookies?

You can manage or disable cookies by adjusting your browser settings to block or delete them at any time. You may also opt out of Google Analytics by using Google’s opt-out tool, and manage LinkedIn Cookies through your LinkedIn account settings or directly via your browser. Please note that disabling certain cookies may impact the functionality and performance of the Site.

Disclaimers and limitations of liability

The Site is provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied. Kashimi reserves the right to implement changes, updates, or new versions of the Site and its content at its sole discretion, whenever it deems such modifications appropriate or necessary.

We do not warrant that the Site will be error-free, uninterrupted, or fully accurate, nor do we guarantee its availability at any given time. Kashimi assumes no responsibility for any loss, damage, or inconvenience resulting from the Site being unavailable, inaccessible, or not functioning as intended or expected.

To the fullest extent permitted by law, Kashimi shall not be liable for any indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, the Site.

Kashimi, shall also not be held liable for any damages arising from circumstances beyond its reasonable control, including but not limited to force majeure events, technical failures, or third-party actions.

Third Party Services

The Site may link to external sites or services. We are not responsible for the availability or content of those resources and disclaim liability for any harm resulting from their use.

Amendments of the terms

We may revise these Terms from time to time. The most current version will always be available on the Site. By continuing to use the Site after any changes become effective, you agree to be bound by the updated Terms. If you do not agree with the changes, you must refrain from further use of the Site.

Governing law

These Terms are governed by the laws of the Republic of Lithuania. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the courts of Lithuania. However, we always aim to resolve disputes amicably and encourage you to contact us first to seek a peaceful resolution through negotiation.