1. Introduction
Monetiflow ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our payment processing services and website.
By using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
2. Information We Collect
2.1 Personal Information
We may collect personally identifiable information that you voluntarily provide to us when you:
- Register for an account
- Use our payment processing services
- Contact our customer support
- Subscribe to our newsletter or marketing communications
This information may include:
- Name and contact information (email address, phone number, postal address)
- Business information (company name, tax ID, business type)
- Financial information (bank account details, payment card information)
- Identification documents (for KYC/AML compliance)
- Transaction data and payment history
2.2 Automatically Collected Information
When you access our services, we may automatically collect:
- Device information (IP address, browser type, operating system)
- Usage data (pages visited, time spent, features used)
- Cookies and similar tracking technologies
- Log data (access times, error logs, system activity)
3. How We Use Your Information
We use the collected information for various purposes:
- Service Delivery: To process payments, maintain your account, and provide customer support
- Compliance: To verify your identity, prevent fraud, and comply with legal and regulatory requirements
- Communication: To send you service updates, security alerts, and administrative messages
- Improvement: To analyze usage patterns, improve our services, and develop new features
- Marketing: To send promotional communications (with your consent)
- Security: To detect, prevent, and address technical issues and fraudulent activities
4. Information Sharing and Disclosure
We may share your information in the following circumstances:
4.1 Service Providers
We may share information with third-party service providers who perform services on our behalf, including:
- Payment processors and banking partners
- Cloud hosting providers
- Customer support platforms
- Analytics and monitoring services
- Identity verification services
4.2 Legal Requirements
We may disclose your information if required by law or in response to valid requests by public authorities, including:
- Compliance with legal obligations
- Protection of our rights and property
- Prevention of fraud or security issues
- Protection of users' safety
4.3 Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
5. Data Security
We implement appropriate technical and organizational security measures to protect your information:
- Encryption of data in transit and at rest (AES-256, TLS 1.3)
- Regular security audits and penetration testing
- Access controls and authentication mechanisms
- PCI DSS Level 1 compliance for payment data
- Employee training on data protection
- Incident response procedures
However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.
6. Data Retention
We retain your information for as long as necessary to:
- Provide our services and maintain your account
- Comply with legal and regulatory requirements
- Resolve disputes and enforce our agreements
- Prevent fraud and ensure security
Transaction data is typically retained for 7 years in accordance with financial regulations. You may request deletion of your data subject to our legal obligations.
7. Your Rights
Depending on your location, you may have the following rights:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information (subject to legal obligations)
- Portability: Request transfer of your data to another service provider
- Objection: Object to processing of your information for certain purposes
- Restriction: Request restriction of processing in certain circumstances
- Withdraw Consent: Withdraw consent for marketing communications
To exercise these rights, please contact us at privacy@monetiflow.io
8. 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 relevant authorities
- Adequacy decisions where applicable
- Binding corporate rules for intra-group transfers
9. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience. You can control cookies through your browser settings. For more information, see our Cookie Policy.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us.
11. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by:
- Posting the updated policy on our website
- Sending an email notification to your registered email address
- Displaying a notice on our platform
Your continued use of our services after changes become effective constitutes acceptance of the revised policy.
12. Contact Us
If you have questions or concerns about this Privacy Policy or our data practices, please contact us: