Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, including:

• Name, email address, and phone number
• Identity verification documents (for KYC compliance)
• Bank account information for receiving transfers
• Transaction history and payment information
• Device information and usage data

2. How We Use Your Information

We use your information to provide transfers, verify your identity when required, improve account security, and comply with legal obligations.

Specifically, we use your information to:

• Process and complete money transfers
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Improve our services and user experience
• Send you transaction notifications and updates
• Provide customer support

3. Information Sharing

We may share your information with:

• Payment partners: To process transfers and bank deposits
• Identity verification services: To comply with KYC/AML regulations
• Legal authorities: When required by law or to prevent fraud
• Service providers: Who help us operate our platform

We do not sell your personal information to third parties.

4. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Secure authentication using OAuth 2.0
• Regular security audits and monitoring
• Access controls and employee training

5. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Transaction records are kept for at least 7 years as required by financial regulations.

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information (subject to legal requirements)
• Object to processing of your information
• Export your data in a portable format
• Withdraw consent for marketing communications

7. Cookies and Tracking

We use cookies and similar technologies to improve your experience, analyze usage, and provide personalized content. You can control cookie preferences through your browser settings.

8. International Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place to protect your information in accordance with this privacy policy.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children.

10. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any material changes by email or through the app. Your continued use of our services after such changes constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us at privacy@moniea.com