Privacy Policy

MTM E-Wallet ('we', 'our', or 'us') is committed to protecting your privacy and ensuring the security of your personal and financial information.

This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

By using our e-wallet service, you agree to the collection and use of information in accordance with this policy.

We collect several types of information: (1) Personal Information: Name, email address, phone number, date of birth, government-issued ID numbers, and address for identity verification and compliance with financial regulations.

(2) Financial Information: Bank account details, transaction history, wallet balances, and payment card information for processing transactions.

(3) Device Information: Device ID, operating system, app version, and device location for security and fraud prevention.

(4) Usage Data: App usage patterns, transaction patterns, and preferences to improve our services.

(5) Biometric Data: Fingerprint or facial recognition data (with your consent) for secure authentication.

We use your information to: (1) Process financial transactions and maintain your digital wallet.

(2) Verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.

(3) Detect and prevent fraud, money laundering, and other illegal activities.

(4) Provide customer support and respond to your inquiries.

(5) Send transaction notifications and important service updates.

(6) Improve our app functionality and user experience.

(7) Comply with legal obligations and regulatory requirements.

(8) Marketing communications (only with your explicit consent, and you can opt-out anytime).

We implement industry-leading security measures: (1) End-to-end encryption for all data transmission.

(2) Advanced encryption (AES-256) for data storage.

(3) Multi-factor authentication and biometric security options.

(4) Regular security audits and penetration testing.

(5) PCI DSS compliance for payment processing.

(6) Secure data centers with 24/7 monitoring.

(7) Employee background checks and security training.

(8) Regular security updates and patches.

Your financial data is tokenized and never stored in plain text.

We do not sell your personal information.

We may share your information only in these circumstances: (1) With your explicit consent.

(2) With financial institutions and payment processors to complete transactions.

(3) With identity verification services for KYC compliance.

(4) With regulatory authorities when required by law.

(5) With law enforcement agencies to prevent fraud or illegal activities.

(6) With our trusted service providers who are bound by strict confidentiality agreements.

(7) In case of merger, acquisition, or sale of assets (users will be notified).

All third parties must meet our strict data protection standards.

We retain your information for as long as necessary to provide our services and comply with legal obligations: (1) Account information: Retained while your account is active and for 7 years after closure for regulatory compliance.

(2) Transaction data: Retained for 7 years as required by financial regulations.

(3) Identity verification data: Retained for the duration required by KYC/AML regulations.

(4) Device and usage data: Retained for 2 years for security and service improvement.

You can request deletion of certain data, subject to our legal and regulatory obligations.

You have the following rights regarding your personal information: (1) Access: Request a copy of your personal data we hold.

(2) Correction: Request correction of inaccurate or incomplete information.

(3) Deletion: Request deletion of your data (subject to legal and regulatory requirements).

(4) Portability: Request transfer of your data to another service provider.

(5) Restriction: Request limitation of processing in certain circumstances.

(6) Objection: Object to processing for direct marketing purposes.

(7) Withdraw consent: Withdraw consent for data processing where consent was the legal basis.

To exercise these rights, contact us through the app or email our Data Protection Officer.

Your information may be transferred to and processed in countries other than your residence.

We ensure adequate protection through: (1) European Commission adequacy decisions.

(2) Standard contractual clauses approved by regulatory authorities.

(3) Binding corporate rules for intra-group transfers.

(4) Your explicit consent where required.

We maintain the same level of protection regardless of the processing location.

Our service is not intended for individuals under 18 years of age.

We do not knowingly collect personal information from children under 18.

If we discover that a child under 18 has provided us with personal information, we will immediately delete such information from our servers.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

We use cookies and similar technologies to: (1) Remember your preferences and settings.

(2) Analyze app usage and performance.

(3) Provide personalized content and recommendations.

(4) Ensure security and prevent fraud.

(5) Comply with regulatory requirements.

You can manage cookie preferences through your device settings.

Some features may not function properly if you disable certain cookies.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors.

We will notify you of any material changes by: (1) Posting the updated policy in our app with a new effective date.

(2) Sending you a notification through the app or email.

(3) Requiring your acceptance for significant changes that affect your rights.

We encourage you to review this policy regularly to stay informed about how we protect your information.

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: Email: privacy@mtm-ewallet.com | Phone: +1-800-MTM-WALLET | Address: MTM E-Wallet Data Protection Office, [Your Company Address] | In-App: Use the 'Contact Support' feature in the app settings.

Our Data Protection Officer is available to assist with any privacy-related inquiries and will respond within 30 days.