Privacy Policy

Effective Date: 28-09-2025

Last Updated: 28-09-2025

At MoniCard, your privacy and data security are very important to us. This Privacy Policy explains how we collect, use, store, and share your personal information when you use our services. By creating a MoniCard account or using our services, you agree to this Privacy Policy.

We collect the following categories of information:

1. Personal Information: Name, phone number, email address, physical address, date of birth, ID documents (for KYC).
2. Financial Information: Wallet balance, card usage, funding history, vouchers, transaction details.
3. Technical Information: Device type, browser, IP address, and usage logs.
4. Communications: Emails, support chats, and in-app messages.

We use your data to:

• Provide wallet, card, airtime, voucher, and travel services.
• Verify your identity (KYC/AML compliance).
• Process transactions securely and instantly.
• Communicate with you about your account, transactions, and support requests.
• Improve MoniCard services and user experience.
• Detect and prevent fraud, misuse, or illegal activity.

We may share your data with:

• Licensed PSP partners/issuers (to issue and operate your virtual card).
• Payment operators (MTN, Orange, gift card suppliers, travel partners).
• Regulatory authorities (when required by law, BEAC, or courts).
• Service providers (IT, hosting, analytics, support tools).

We never sell your personal information.

• Your data is encrypted at rest and in transit.
• Cardholder information is tokenized and PCI DSS compliant.
• We retain your data only as long as necessary to provide services and meet regulatory obligations.

You have the right to:

• Access and review your data.
• Request corrections of inaccurate information.
• Request deletion of your account and data (where permitted by law).
• Restrict or object to certain processing activities.
• File a complaint with regulators if you believe your rights are violated.

• We use cookies and similar technologies to improve performance, analyze traffic, and personalize your experience.
• You can manage cookies in your browser settings.

If your data is transferred outside Cameroon, we ensure it is protected with appropriate safeguards (e.g., GDPR-compliant measures where applicable).

We may update this policy from time to time. Significant updates will be communicated via email or in-app notification.

For questions about privacy or to exercise your rights, contact:

MoniCard
[LEGAL_COMPANY_NAME]
[Full Company Address]
Email: [SUPPORT_EMAIL]