Privacy Policy

Welcome to MoyoPay.

MoyoPay (“MoyoPay,” “we,” “our,” or “us”) is building a stablecoin-powered financial platform designed to help people and businesses receive, hold, send, spend, save and manage money across borders.

We understand that financial information is sensitive. We are committed to handling your personal information responsibly, transparently and securely.

This Privacy Policy explains how we collect, use, store, disclose and protect personal information when you use our website, mobile application, products and related services.

By using MoyoPay, you acknowledge that you have read this Privacy Policy. Where applicable law requires consent for a particular type of processing, we will request that consent separately.

MoyoPay is a financial technology platform serving eligible individuals and businesses in supported jurisdictions.

• Platform: MoyoPay
• Website: https://moyopay.io
• Privacy contact: privacy@moyopay.io
• Legal entity: Moyo Horizon LTD

For privacy-related questions, requests or complaints, please contact us using the email address above.

The information we collect depends on how you use MoyoPay, the features available to you, your location and the requirements of our service providers.

3.1 Personal and Account Information

We may collect:

• Full name.
• Email address.
• Phone number.
• Date of birth.
• Country of residence and nationality, where required.
• Username or MoyoPay account identifier.
• Account preferences and settings.
• Account authentication and security information.

We use this information to create and manage accounts, communicate with users, protect accounts and provide our services.

3.2 Identity Verification Information

Where identity verification is required, we or our verification partners may collect:

• Government-issued identification details.
• Identity document images.
• Photographs or selfies used for identity verification.
• Verification results and status.
• Address information and supporting documents.
• Information needed for fraud prevention, sanctions screening or other legal compliance checks.

The exact information required will depend on the applicable verification process and the services you wish to access.

3.3 Financial and Transaction Information

When you use MoyoPay’s financial features, we may collect information such as:

• Wallet addresses and supported blockchain network information.
• Supported digital asset types and transaction amounts.
• Deposit, withdrawal and transfer records.
• Transaction references, timestamps, statuses and applicable fees.
• Bank account details and beneficiary information required for supported transfers.
• Bill payment, airtime and data purchase records.
• Exchange or conversion details, where applicable.
• Information relating to failed, disputed, reversed or suspicious transactions.

We use this information to execute and record transactions, display account activity, provide customer support, prevent fraud and meet applicable legal obligations.

3.4 Device and Technical Information

When you access our website or application, we may collect certain technical information, including:

• Device type and operating system.
• Application version.
• IP address.
• Log data, crash reports and diagnostic information.
• Security events and session information.
• General usage information relating to app performance.

We use this information to maintain service reliability, troubleshoot technical issues, protect accounts and improve the user experience.

We will collect precise location information, contacts or other sensitive device information only where a feature requires it and the appropriate permissions and disclosures have been provided.

3.5 Communications and Support

If you contact us, we may collect your email address, account identifier, the contents of your message, attachments you choose to provide and relevant support history.

We use this information to respond to enquiries, investigate issues and improve our services.

3.6 Information from Third Parties

Depending on the services you use, we may receive relevant information from:

• Identity verification providers.
• Payment processors and banking partners.
• Blockchain analytics and fraud prevention providers.
• Financial service providers supporting transactions.
• Compliance and screening services.
• Technical infrastructure, analytics and security providers.

We use third-party information only for relevant service, security, verification, compliance and other disclosed purposes.

We may use personal information to:

1. Create, maintain and secure your MoyoPay account.
2. Verify your identity and eligibility to use particular services.
3. Process supported deposits, withdrawals, transfers and payments.
4. Display balances and transaction histories.
5. Provide available bill payment and other financial features.
6. Detect, investigate and prevent fraud, scams, money laundering and other prohibited activity.
7. Respond to questions, complaints and transaction disputes.
8. Send essential account, security and service notifications.
9. Improve the performance, reliability and usability of our products.
10. Diagnose errors and maintain our systems.
11. Comply with applicable laws, regulatory requirements and valid legal requests.
12. Enforce our terms and protect MoyoPay, our users and relevant third parties.
13. Send product updates, announcements or promotional communications where permitted by law and, where required, with your consent.

We do not use personal information for purposes incompatible with those disclosed to you without an appropriate legal basis or further notice where required.

Where applicable data protection law requires a legal basis, we may process personal information on one or more of the following grounds:

• Contract: To create your account and provide services you request.
• Legal obligation: To comply with applicable financial, tax, anti-money laundering, recordkeeping and other legal requirements.
• Legitimate interests: To secure our platform, prevent fraud, maintain our services and improve reliability, provided those interests do not override your applicable rights.
• Consent: Where you have given consent for a specific purpose and consent is the appropriate legal basis.
• Other lawful grounds: Where recognised by applicable law.

You may withdraw consent where processing relies on consent. Withdrawal does not affect processing lawfully carried out before withdrawal, and some services may no longer be available if the information is necessary to provide them.

We do not sell your personal information to third parties for money.

We may share relevant information with the following categories of recipients when necessary and lawful:

6.1 Payment and Financial Service Providers

We may share information with payment processors, banking partners, on-ramp and off-ramp providers, bill payment providers and other financial infrastructure partners to deliver the services you request.

These providers may process information under their own privacy policies and applicable legal obligations.

6.2 Identity Verification and Compliance Providers

We may share relevant identity and transaction information with providers that assist with identity verification, fraud prevention, sanctions screening, transaction monitoring and compliance.

6.3 Technical and Security Providers

We may use hosting providers, cloud infrastructure, customer support systems, security services, diagnostic tools and other technical providers to operate and maintain MoyoPay.

These providers should receive only the information reasonably necessary for their assigned functions, subject to applicable agreements and laws.

6.4 Blockchain Networks

Transactions involving public blockchains may expose wallet addresses, transaction amounts, timestamps and other transaction details on the relevant network.

Public blockchain records may be visible to anyone and may be difficult or impossible to remove. Depending on the information available, a wallet address or transaction may be associated with an identifiable person.

MoyoPay cannot control the public availability or alteration of records maintained by independent blockchain networks.

6.5 Legal and Regulatory Authorities

We may disclose information where reasonably necessary to comply with applicable law, respond to valid legal processes, meet regulatory obligations, investigate suspected unlawful activity or protect the rights and safety of MoyoPay and others.

6.6 Business Transfers

If MoyoPay undergoes a merger, acquisition, restructuring, financing or transfer of business assets, relevant information may be disclosed to the parties involved, subject to appropriate safeguards and applicable law.

6.7 With Your Direction

We may share information when you instruct us to do so, initiate a transaction or authorise a service that requires disclosure to another party.

MoyoPay and its service providers may process or store information in countries other than the country where you live.

Where personal information is transferred internationally, we will take steps required by applicable law to ensure that the transfer is lawful and that appropriate safeguards are in place.

The protections available to personal information may differ between jurisdictions.

We take reasonable technical and organisational measures designed to protect personal information against unauthorised access, disclosure, alteration, loss or destruction.

Depending on the system and data involved, these measures may include access controls, authentication safeguards, encryption in transit, monitoring, secure development practices and restricted access to sensitive information.

No website, application, blockchain network or electronic storage system can be guaranteed to be completely secure.

You are responsible for keeping your login credentials, authentication codes and other account security information confidential. Never share passwords, one-time codes or wallet recovery phrases with anyone claiming to represent MoyoPay.

If you suspect unauthorised access to your account, contact us promptly.

We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including providing services, resolving disputes, preventing fraud, maintaining security and meeting applicable legal or regulatory obligations.

Retention periods vary depending on the type of information and the circumstances in which it was collected.

When information is no longer required, we will take appropriate steps to delete it, anonymise it or securely dispose of it, subject to applicable legal requirements.

Some financial and compliance records may need to be retained after an account is closed. Public blockchain records generally cannot be deleted by MoyoPay.

Depending on your location and applicable law, you may have the right to:

• Request access to your personal information.
• Request correction of inaccurate or incomplete information.
• Request deletion of personal information where legally permitted.
• Request restriction of or object to certain processing.
• Request a copy of your information in a portable format, where applicable.
• Withdraw consent where consent is the basis for processing.
• Object to certain direct marketing communications.
• Lodge a complaint with the relevant data protection authority.

These rights may be subject to legal exceptions, including requirements to retain financial records or information needed to prevent fraud and comply with legal obligations.

To exercise a right, email lucky@moyopay.io and describe your request. We may need to verify your identity before responding.

You may request the deletion of your MoyoPay account through the account deletion option in the application, where available, or by contacting us at lucky@moyopay.io.

We will process valid requests in accordance with applicable law and our operational requirements.

Before an account is deleted, you should review your balances and complete or resolve any pending transactions where possible.

Deleting your account does not necessarily remove records that we are legally required to retain, records needed to resolve disputes or prevent fraud, or information already recorded on public blockchains.

Where information must be retained, we will limit its use to the purposes that justify continued retention and delete it when no longer required.

Our website may use cookies and similar technologies to support essential website functions, remember preferences, understand website performance and improve usability.

Where required, we will request consent before using non-essential cookies or similar technologies.

You can manage cookies through your browser settings. Disabling certain cookies may affect how parts of the website function.

Our mobile application may use local storage, diagnostic tools or similar technologies for account functionality, security and performance.

MoyoPay is intended for eligible adults and is not designed specifically for children.

We do not knowingly collect personal information from children in violation of applicable law. If you believe a child has provided personal information to MoyoPay in circumstances where this is not permitted, please contact us so we can review the situation and take appropriate action.

MoyoPay may integrate with or link to third-party services, websites, wallets, payment providers and financial infrastructure.

Those services may have their own terms, security practices and privacy policies. MoyoPay does not control the privacy practices of independent third parties.

You should review the applicable policies before providing information directly to a third-party service.

MoyoPay may provide access to supported stablecoin and digital asset features, depending on availability and eligibility.

Digital assets and related services involve risks, including changes in asset value, loss of access to wallets, blockchain transaction errors, network congestion, service-provider failures, fraud, regulatory changes and stablecoins losing their intended value.

Transaction information may be processed by third-party providers or recorded on public blockchain networks as necessary to deliver the service.

This Privacy Policy explains how information is handled. It does not itself constitute financial advice or guarantee the availability, security or performance of any financial product.

We may update this Privacy Policy as MoyoPay’s products, technology, partners or legal obligations change.

When we make material changes, we will take reasonable steps to notify users, such as publishing the revised Policy on our website or providing an in-app notification where appropriate.

The updated version will state its effective date. Where required by law, we will obtain consent for material changes to processing that require consent.

If you have questions, concerns or requests relating to this Privacy Policy or your personal information, please contact:

Please include sufficient information for us to understand your request. Avoid sending passwords, recovery phrases or unnecessary identity documents by email.

We will review and respond to privacy requests in accordance with applicable law.

MoyoPay — Money that moves with you.