Privacy Policy

For Karmafy in Apps and the Karmafy Website

Who are we?

Karmafy is a software service owned and operated by Karma Holdings Ltd., Seaview apt. 4, Ix-Xatt Ta' Qui-Si-Sana, Sliema SLM3130, Malta. Please direct questions and comments on this Privacy Policy to

What is Karmafy?

Karma Points are a global currency for doing good. You earn Karma Points by using a Karmafy-enabled app, website, or other service. Karmafy keeps track of your Karma Points and how you choose to spend them. The Karmafy experience as embedded in apps, games, websites, or other services, is regulated by a agreements between Karmafy and the owner or operator of such services. Your service provider’s privacy policy may have additional information about their integration with Karmafy.

Using a Karmafy-enabled App or Website

As an Anonymous User

When you start using a Karmafy-enabled app or website (“app” for short), we create an anonymous Karmafy account to hold the Karma Points you earn. The account is identified by a random number and does not allow Karmafy to determine your real identity. While you are using the app, we will record the following data: While you are using a Karmafy-enabled app anonymously, we will not: Occasionally, you will be presented with the option of sharing your Karmafy activities through a third-party channel such as Facebook, Twitter, email, etc. In this case, the privacy policy of that provider of that service applies. Karmafy will not associate your identity in the third-party service with your anonymous Karmafy account.

As a Registered User

You will be given the option of registering with Karmafy and becoming a Karmafy user. This requires you to identify yourself with either a valid email address and/or log in through a third-party service such as Facebook. You will be asked to choose a user name. Your email address, Facebook identity and Karmafy user name will be recorded and stored by Karmafy. As a registered Karmafy user, you use a single account to hold the Karma Points you earn in all Karmafy-enabled apps. You will be able to access the Karmafy website to view and modify all information associated with your account. Since we intend to build a social network for doing good, the following information about you will be made available to other participants in the network: Nobody but Karmafy will have access to your personal identity such as email address and Facebook user ID. We will not share this information with anybody without your consent. This includes the owners/operators of Karmafy-enabled apps and other services. You may at any time decide to close your Karmafy account by logging on to our website

Third-party Data Processors

In operating Karmafy, we make use of several third-party services: We may choose to contract with additional third-party services in the future, but we will always anonymise your data.


We endeavour to keep your information secure through industry-standard physical, electronic, and procedural safeguards. If we detect a breach of security that may have caused your information to be revealed or compromised, we shall notify you.

Hosting Service

The Karmafy servers are hosted by Amazon Web Services, Inc., which complies with the Safe Harbour principles agreed between the United States, the European Union, and Switzerland. We may choose to relocate hosting to the EU at some point in the future.

Changes to this Policy

Changes to this policy will be announced on the Karmafy web site and, if such changes have direct relevance to yourself, in a message displayed inside Karmafy-enabled apps.


As a company operating in Malta, Karmafy is required to comply with the Data Protection Act 2001, which implements the European Data Protection Directive (95/46/EC). In preparing this policy, we have tried to follow the recommendations in “Opinion 02/2013 on apps on smart devices“ issued by the Article 29 Data Protection Working Party.