Revision History
Version Number Version Effective Date Remarks
1.0 1 Feb 2021 New Document
1.1 11 Feb 2021 Updated on additional privacy policies on data retention and protection
1.2 30 March 2023 Amendments
1.3 15 February 2024 Amendments

We (DK) respect your privacy and are committed to protecting the personal data that you share with us. This Privacy Policy outlines how we collect, use, share, and protect your personal data in connection with the DK App (“the app”). Therefore, please read this Privacy Policy carefully to understand how we collect, use and store your personal data. By using the DK app, you consent to our collection and usage of your personal data as described in this Policy.


We collect the following types of personal information from you:

  1. Identification information: Name, date of birth, citizen identification document or business license document, or any documents you have provided for identification purposes.
  2. Contact information: Phone numbers and email addresses.
  3. Financial information: Details of your bank account and transactions.
  4. Camera: Our app uses your camera to capture pictures including access to your photo library for uploading your Selfie, scanning identification documents, and authorized QR codes.
  5. Special categories of data: We may record and log calls and chat/email conversations with our call center will be recorded and logged for verification of orders, documentation, and for quality improvement purposes.
  6. Information obtained from third parties:
    • Publicly available and other external sources such as Royal Monetary Authority of Bhutan, Department of Trade, Department of Civil Registration & Census, and fraud-prevention agencies for Know-Your-Customer (KYC) and Anti-Money Laundering (AML) checks.
    • Entities which we collaborate with.
  7. Information from your device:
    • Technical information, including the internet protocol (IP) address, mobile network information, log-in information, mobile operating system and version, time-zone, device type, and unique device identifier (IMEI number and MAC address).
    • Biometrics such as face and thumbprint, for alternative authentication.
    • App usage information, activity logs, online identifiers and location data through your usage of our products and services or as part of their delivery to you
  8. Usage Data

    We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”).

    1. This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
      When you access the Service by or through a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

Tracking & Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

Session Cookies. 
We use Session Cookies to operate our Service.

Preference Cookies. 
We use Preference Cookies to remember your preferences and various settings.

Security Cookies. 
We use Security Cookies for security purposes.


We use your personal data to comply with the following:

  • Legal obligation:
  • KYC requirements.
  • Prevent illegal activities like money laundering, tax evasion, and fraud.
  • Adhere to regulatory laws and regulations.
  • Risk management requirements.
  • Payment service requirements and obligations.
  • Other obligations related to service or product.

  • Legitimate interest: In order to improve our product range for you and optimize our customer services, we use your personal data for the following:

  • To provide and maintain the Service
  • To notify you about changes to our Service
  • To allow you to participate in interactive features of our Service when you choose to do so
  • To provide customer care and support
  • To provide analysis or valuable information so that we can improve the Service
  • To monitor the usage of the Service
  • To detect, prevent and address technical issues

We may share your personal data with the following parties:

  1. Entities:
    • To process payments from your DK account, we have to share information about the transaction with the entities.
    • Government authorities.
  2. To comply with law and our regulatory obligations.
  3. Any other party whom you authorize.

We will take reasonable legal, organizational, and technical measures to ensure that your Personal Data is protected. This includes measures to prevent Personal Data from getting lost, used, or accessed in an unauthorized way. We limit access to your Personal Data to our employees on a need-to-know basis. Those accessing your Personal Data will only do so in an authorized manner and must treat your information with confidentiality.

The following are the measures we have in place:

  1. All access is to be authorized.
  2. Secure network communication.
  3. Enhanced App security leveraging digital tokens.
  4. Data encryption

We keep your data for as long as necessary for the duration of your relationship with us, and as required by retention requirements in local laws and regulations.


Your information, including Personal Data, may be transferred to and maintained on computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

  • If you are located outside Singapore and choose to provide information to us, please note that we transfer the data, including Personal Data, to Singapore and process it there.
  • Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
  • SGPMX will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Legal Requirements
We may disclose your Personal Data in the good faith belief that such action is necessary to:

  • To comply with a legal obligation
  • To protect and defend the rights or property of DK
  • To prevent or investigate possible wrongdoing in connection with the Service
  • To protect the personal safety of users of the Service or the public
  • To protect against legal liability

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

We may use third-party Service Providers to monitor and analyze the use of our Service.

  • Google Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page:https://policies.google.com/privacy?hl=en

  • Firebase

Firebase is analytics service provided by Google Inc. You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy:https://policies.google.com/privacy?hl=en

We also encourage you to review the Google’s policy for safeguarding your data:
https://support.google.com/analytics/answer/6004245. For more information on what type of information Firebase collects, please visit please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=ens


Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.


You have the right to request access to, correction of, or deletion of your personal data. You also have the right to object to our processing of your personal data, to request that we restrict the processing of your personal data, and to request that we provide your personal data in a portable format. If you wish to exercise these rights, please contact us on our DK hotline at 8888.


If you have a concern about how we use your personal data, please send an email to help@dk.bt or call us at 8888. 


We reserve the right to change the privacy policy which will be effective as of the time it is posted. Please review this page from time to time to stay updated.

Date of last update:15/01/2024