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Privacy Policy

Understand how we protect and use your personal data on our platform.

Data Collected
  • Identity: name, date of birth, ID document

  • Contact Information: email, phone number

  • KYC/AML: supporting documents and verifications

  • Technical Data: IP address, browser type, logs

  • Transaction History

Purposes
  • Account creation and management

  • Compliance with legal obligations (KYC, AML/CFT)

  • Service security and improvement

  • Fraud prevention

Data Sharing

Your data may be shared with:

  • Our partner financial institution

  • Technical and payment service providers

  • Competent authorities

We do not sell your data to third parties.

Data Retention

In accordance with AML/CFT obligations, your data is kept for the necessary duration, then deleted or archived in compliance with regulations.

Security

TLS encryption, restricted access, secure hosting on AWS.

Your Rights
  • Access, rectification, or deletion of your data

  • Restriction or objection to processing

  • Data portability

To exercise your rights: privacy@moniyo.io

Cookies

We only use essential and analytics cookies, which can be disabled via your browser settings.

Updates

In case of any changes, a notification will be sent via email or through the app.