Introduction

Monay Pay, Inc. ("Monay," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and related services.

Please read this privacy policy carefully. By using Monay, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information

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

Name, email address, and phone number
Date of birth and government-issued identification
Social Security Number (for identity verification)
Bank account and payment information
Transaction history and account activity
Device information and IP address

Identity Verification

We use third-party identity verification services to verify your identity. This may include:

Document verification (driver's license, passport, etc.)
Biometric data (facial recognition for document matching)
Background checks as required by law

How We Use Your Information

We use the information we collect to:

Provide, maintain, and improve our services
Process transactions and send related information
Verify your identity and prevent fraud
Comply with legal and regulatory requirements
Communicate with you about products, services, and updates
Respond to your comments, questions, and requests

Information Sharing

We may share your information with:

Service Providers

We work with trusted partners to provide our services:

Stripe - Payment processing, card services, and KYC/KYB verification
Persona - Identity verification and document authentication
Circle - USDC stablecoin infrastructure
Coinbase - Digital asset custody
Fiserv - Enterprise payment processing
Cross River Bank - Banking services and regulatory compliance
Utilli (tilli) - Utility bill payment services
RB2B - Business-visitor identification on our marketing website

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

Cookies & Tracking Technologies

On our marketing website we use cookies and similar technologies to operate the site, remember your preferences (such as your language), and understand who is interested in Monay for business.

Business-Visitor Identification

We use RB2B, a third-party service, to identify business visitors to our marketing website. RB2B may associate your visit with professional information such as your name, employer, work email address, and LinkedIn profile, and transmits this information to RB2B's processing endpoint (hosted on Amazon Web Services). We use this information to understand interest in our products and to follow up with relevant business contacts. This applies to our public marketing website only — it is never used inside your authenticated Monay account, wallet, or product dashboards.

Your Choice

When you first visit our marketing website, we display a consent banner. You may decline at any time by selecting "Decline" on that banner; your choice is stored in a cookie and remembered on future visits. If you decline, RB2B is not loaded. Because identification can occur on the first page you view before you make a choice, you may also contact us at privacy@monay.com to request deletion of any information collected.

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

Data Security

We implement appropriate technical and organizational measures to protect your personal information. This includes encryption, secure data storage, and regular security assessments. However, no method of transmission over the Internet or electronic storage is 100% secure.

Your Rights

Depending on your location, you may have rights regarding your personal information, including:

Access to your personal information
Correction of inaccurate information
Deletion of your information
Data portability
Opt-out of certain data uses

To exercise these rights, please contact us at privacy@monay.com.

Contact Us

If you have questions about this Privacy Policy, please contact us at:

Monay Pay, Inc.

Email: privacy@monay.com