Privacy Policy

1. Introduction

Welcome to Mwslaty. We respect your privacy and are committed to protecting your personal information.

This Privacy Policy explains how Mwslaty ("Mwslaty," "we," "us," or "our") collects, uses, stores, shares, and protects information when you use our mobile application, website, and related services (collectively, the "Services").

By accessing or using Mwslaty, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

Depending on how you use our Services, we may collect the following categories of information:

A. Information You Provide

We may collect information that you provide directly to us, including:

• Full name
• Email address
• Mobile phone number
• Date of birth, where required
• Residential or billing address
• Username and account credentials
• Profile information
• Identity verification information and documents, where required
• Information you provide when contacting customer support
• Other information you choose to submit through the Services

B. Financial and Transaction Information

When you use payment, money transfer, or other financial features, we may collect information relating to your use of those Services, including:

• Payment and transaction details
• Transfer recipient information
• Transaction amounts, dates, and reference information
• Payment method information
• Currency and account-related information
• Transaction history
• Information necessary to prevent fraud, comply with legal obligations, and provide the requested Services

We may use trusted payment processors and financial service providers to process certain transactions.

C. Automatically Collected Information

When you access or use Mwslaty, we may automatically collect certain technical and usage information, including:

• Device type and operating system
• Unique device identifiers
• IP address
• Browser type
• App version
• Language and regional settings
• Log information
• Dates and times of access
• Features and pages used
• Diagnostic and performance information
• Security and fraud-prevention information

D. Location Information

We may collect approximate or precise location information only when permitted by your device settings and applicable law, and where necessary to provide specific features, improve security, prevent fraud, or comply with legal requirements.

You may be able to control location permissions through your device settings.

3. How We Use Your Information

We may use your information to:

• Create and manage your Mwslaty account
• Provide, operate, and maintain our Services
• Process payments and transfers
• Verify your identity where required
• Provide transaction history and account information
• Send transaction confirmations and service notifications
• Detect, investigate, and prevent fraud and unauthorized activity
• Protect the security and integrity of our Services
• Respond to customer support requests
• Improve and develop our Services
• Personalize your experience
• Monitor usage and performance
• Comply with legal, regulatory, tax, accounting, and financial obligations
• Enforce our terms, policies, and legal rights
• Send marketing communications where permitted by law and subject to your preferences

4. Legal Basis for Processing

Where applicable data protection laws require a legal basis for processing personal information, we may process your information based on:

• Your consent
• The performance of a contract with you
• Compliance with legal obligations
• Our legitimate business interests, including security, fraud prevention, and service improvement
• Other lawful grounds permitted under applicable law

5. How We Share Information

We do not sell your personal information in exchange for money.

We may share your information with:

Service Providers

Third-party companies that provide services on our behalf, including:

• Cloud hosting providers
• Payment processors
• Identity verification providers
• Security and fraud-prevention providers
• Customer support providers
• Analytics and technology providers
• Professional advisers

These providers may access personal information only as necessary to perform services for us and subject to appropriate contractual or legal safeguards.

Financial and Transaction Partners

Where necessary to process payments, transfers, verification, or other financial services, we may share relevant information with banks, payment networks, payment processors, financial institutions, and other authorized partners.

Legal and Regulatory Authorities

We may disclose information when we reasonably believe disclosure is necessary to:

• Comply with applicable laws or regulations
• Respond to lawful requests from government authorities or courts
• Prevent fraud, money laundering, or other illegal activities
• Protect the rights, safety, and property of Mwslaty, our users, or others
• Enforce our agreements and policies

Business Transfers

If Mwslaty is involved in a merger, acquisition, financing, restructuring, sale of assets, or similar business transaction, your information may be transferred as part of that transaction, subject to applicable law.

6. Cookies and Similar Technologies

Our website and Services may use cookies, SDKs, pixels, and similar technologies to:

• Keep you signed in
• Remember your preferences
• Understand how our Services are used
• Improve performance
• Maintain security
• Detect and prevent fraudulent activity
• Measure the effectiveness of communications, where applicable

You may be able to manage certain cookies through your browser or device settings. Please note that disabling certain technologies may affect the functionality of our Services.

7. Data Security

We implement reasonable administrative, technical, and organizational measures designed to protect your personal information against unauthorized access, loss, misuse, alteration, and disclosure.

These measures may include, where appropriate:

• Encryption and secure communications
• Access controls
• Authentication measures
• Security monitoring
• Fraud detection systems
• Restricted access to sensitive information

However, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security of your information.

You are responsible for keeping your account credentials confidential and should notify us immediately if you believe your account has been accessed without authorization.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

• Provide our Services
• Maintain your account
• Process transactions
• Meet legal, regulatory, accounting, tax, and compliance requirements
• Resolve disputes
• Prevent fraud and abuse
• Enforce our agreements

The retention period may vary depending on the type of information and applicable legal requirements.

When information is no longer required, we will delete, anonymize, or securely dispose of it in accordance with applicable law.

9. International Data Transfers

Your information may be processed or stored in countries other than the country in which you live.

When we transfer personal information internationally, we will take appropriate measures to protect it in accordance with applicable data protection laws.

10. Your Privacy Rights

Depending on your location and applicable law, you may have rights regarding your personal information, including the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of certain personal information
• Request restriction of certain processing
• Object to certain processing
• Request portability of certain information
• Withdraw consent where processing is based on consent
• Opt out of certain marketing communications

To exercise applicable rights, please contact us using the contact information provided below.

We may need to verify your identity before processing certain requests.

11. Marketing Communications

Where permitted by applicable law, we may send you information about Mwslaty, our Services, updates, and promotional offers.

You may opt out of marketing emails by using the unsubscribe instructions included in the communication or by contacting us.

Please note that you may continue to receive important non-promotional communications, including transaction confirmations, security alerts, and account-related notices.

12. Third-Party Services

Mwslaty may contain links to or integrate with third-party websites, applications, payment services, or other services.

We are not responsible for the privacy practices of third parties. We encourage you to review the privacy policies of any third-party service before providing your personal information.

13. Children's Privacy

Mwslaty is not intended for children under the age required by applicable law to independently use our Services.

We do not knowingly collect personal information from children in violation of applicable law. If you believe that a child has provided us with personal information improperly, please contact us so we can take appropriate action.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

If we make changes, we will update the "Last Updated" date at the top of this Privacy Policy. Where required by applicable law, we will provide additional notice or obtain consent before material changes take effect.

We encourage you to review this Privacy Policy periodically.

15. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our handling of personal information, please contact us: