Privacy Policy

1. Information We Collect

We collect information that you provide directly to us, as well as information automatically collected when you use our services.

Information You Provide

• Account Information: Name, email address, phone number, date of birth, and password
• Identity Verification: Government-issued ID, proof of address, and selfie for identity verification
• Financial Information: Bank account details, card information, and transaction history
• Profile Information: Profile picture, preferences, and communication choices
• Communications: Messages, support tickets, and feedback you send us

Automatically Collected Information

• Device Information: Device type, operating system, browser type, and unique device identifiers
• Usage Data: Pages viewed, features used, time spent, and interaction patterns
• Location Data: Approximate location based on IP address and precise location (with permission) for ride services
• Transaction Data: Payment amounts, recipients, timestamps, and transaction status
• Cookies and Tracking: Cookies, web beacons, and similar technologies for analytics and personalization

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: Process transactions, manage your account, and provide customer support
• Security and Fraud Prevention: Verify your identity, detect and prevent fraud, and protect against security threats
• Compliance: Meet legal and regulatory requirements, including anti-money laundering and KYC obligations
• Service Improvement: Analyze usage patterns, improve features, and develop new services
• Communication: Send transaction confirmations, account updates, and service notifications
• Marketing: Send promotional content and personalized offers (with your consent)
• Personalization: Customize your experience based on your preferences and usage history

3. Information Sharing and Disclosure

We do not sell your personal information. We may share your information in the following circumstances:

• Service Providers: Third-party vendors who help us operate our platform (payment processors, cloud hosting, analytics)
• Business Partners: Partners who provide integrated services like ride-hailing (only necessary information)
• Legal Requirements: When required by law, court order, or to protect our rights and safety
• Transaction Parties: Basic information shared with transaction recipients (name, transaction amount)
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: Any other sharing with your explicit permission

4. Data Security

We implement comprehensive security measures to protect your information:

• 256-bit AES encryption for data at rest and in transit
• Regular security audits and penetration testing
• Secure data centers with physical security controls
• Employee access controls and security training
• Multi-factor authentication for sensitive actions
• 24/7 security monitoring and incident response

While we take extensive measures to protect your data, no method of transmission or storage is 100% secure. You are responsible for maintaining the confidentiality of your account credentials.

5. Your Privacy Rights

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

• Access: Request a copy of your personal information we hold
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your personal information (subject to legal obligations)
• Portability: Export your data in a machine-readable format
• Objection: Object to processing of your information for certain purposes
• Restriction: Request limitation of how we process your data
• Opt-Out: Unsubscribe from marketing communications at any time

To exercise these rights, contact us at privacy@mobiwallet.com or through your account settings. We will respond within 30 days.

6. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. Account information is retained while your account is active. After account closure, we retain certain information for 7 years to meet regulatory requirements. Transaction records are kept for 10 years as required by financial regulations. You can request earlier deletion of non-essential data.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place, including Standard Contractual Clauses approved by the European Commission for transfers from the EU/EEA. All transfers comply with applicable data protection laws.

8. Children's Privacy

MobiWallet is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child under 18, we will promptly delete it. Parents or guardians who believe we may have collected information from a child should contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of material changes via email or prominent notice in the app. The "Last Updated" date at the top indicates when the policy was last revised. Your continued use after changes are posted constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or our data practices, please contact our Data Protection Officer: