Privacy Policy

1. Information We Collect

We collect different types of information in order to provide and improve our services.

1.1 Personal Information

When you create an account or use our services, we may collect personal information including:

• Full name
• Date of birth
• Email address
• Phone number
• Residential address
• Government-issued identification
• Profile photo (if required for verification)

This information helps us verify your identity and comply with financial regulations.

1.2 Financial Information

To provide financial services, we may collect:

• Bank account information
• Transaction history
• Payment details
• Wallet balances
• Billing information

This information allows us to process transactions and provide financial insights.

1.3 Identity Verification Data (KYC)

To comply with regulatory obligations and Anti-Money Laundering requirements, we may collect:

• Identity documents
• Proof of address
• Selfie or biometric verification
• Verification data from third-party identity providers

1.4 Technical and Device Information

When you access our platform, we may automatically collect:

• IP address
• Browser type and version
• Device type and operating system
• Device identifiers
• Log data
• App usage statistics

This helps us maintain platform performance and detect fraudulent activity.

1.5 Cookies and Tracking Technologies

MoneyHub uses cookies and similar tracking technologies to:

• Improve website performance
• Remember user preferences
• Analyze traffic and usage patterns

Users may disable cookies through their browser settings, although some features may not function properly.

2. How We Use Your Information

We use the information we collect for various operational and legal purposes. These include:

2.1 Providing Services

To create and manage user accounts, process transactions and payments, provide financial management tools, and deliver customer support.

2.2 Identity Verification and Compliance

To comply with regulatory requirements including Know-Your-Customer (KYC), Anti-Money Laundering (AML), and fraud prevention.

2.3 Security and Fraud Prevention

To detect and prevent fraudulent transactions, unauthorized access, and cybersecurity threats.

2.4 Improving Our Services

To improve product functionality, develop new features, and analyze user behavior and service performance.

2.5 Communications

We may contact users regarding account updates, security alerts, service announcements, and customer support responses. Users may opt out of marketing communications at any time.

3. Legal Basis for Processing Data

Depending on the jurisdiction, we process personal data under the following legal bases:

• User consent
• Performance of contractual obligations
• Compliance with legal obligations
• Legitimate business interests such as fraud prevention and service improvement

4. Sharing and Disclosure of Information

We do not sell personal information. However, we may share information with trusted parties when necessary.

4.1 Service Providers

We may share data with third-party service providers that support our operations, such as payment processors, identity verification providers, cloud hosting services, and fraud detection platforms.

These providers are contractually required to safeguard your information.

4.2 Regulatory Authorities

We may disclose personal information when required by law or when responding to legal requests, court orders, government investigations, or financial regulatory authorities.

4.3 Business Transfers

In the event of a merger, acquisition, restructuring or sale of assets, personal information may be transferred as part of the business transaction.

5. Data Security

MoneyHub takes data protection seriously and implements industry-standard security measures, including data encryption in transit and at rest, secure server infrastructure, access controls and authentication systems, fraud monitoring systems, and regular security audits.

Despite these safeguards, no digital system can guarantee absolute security.

6. Data Retention

We retain personal information only for as long as necessary to provide services to users, comply with legal and regulatory obligations, resolve disputes, and enforce agreements.

Financial institutions may be required to retain certain records for 5–7 years depending on regulatory requirements.

7. International Data Transfers

Your information may be processed or stored in countries outside your country of residence.

When such transfers occur, MoneyHub ensures appropriate safeguards are implemented to protect personal data in accordance with applicable data protection laws.

8. Your Privacy Rights

Depending on your jurisdiction, you may have the following rights:

• Access the personal information we hold about you
• Correct inaccurate or incomplete information
• Request deletion of personal data
• Restrict or object to certain processing activities
• Withdraw consent for data processing
• Request a copy of your data (data portability)

Requests may be submitted through our support channels.

9. Children's Privacy

MoneyHub services are not intended for individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware that such information has been collected, we will take steps to delete it.

10. Third-Party Links

Our platform may contain links to third-party websites or services. MoneyHub is not responsible for the privacy practices of those external sites. Users are encouraged to review their privacy policies separately.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, or our services. Updated policies will be published on our website with a revised effective date.

12. Contact Information

If you have questions or concerns about this Privacy Policy or how your personal information is handled, please contact:

• MoneyHub Support
• Email: support@moneyhub.app
• Website: moneyhub.app