Privacy Policy
Effective Date: June 1, 2025
At Moneo LLC ("Moneo," "we," "us," or "our"), we value your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you use the Moneo mobile application, website, and associated services ("Services"). This policy is designed to comply with privacy requirements for both the Apple App Store and Google Play Store.
We may collect the following types of information:
Personal Identification Information
Full name
Date of birth
Social Security Number (SSN) or Tax Identification Number (TIN)
Government-issued ID
Address, phone number, and email
Financial Information
Bank account details
Transaction history
Payment method metadata
Device & Usage Information
IP address
Device identifiers
Location data (if permission granted)
App usage logs and activity
Crash logs and diagnostic data
Permissions and Mobile Data Access
We may request access to:
Location (to verify activity consistency)
Camera (for identity document capture, if needed)
Notifications (to send alerts and updates)
Device storage (for secure caching or ID verification images)
Users can manage these permissions via their device settings at any time.
We use your information to:
Verify your identity and comply with legal obligations (KYC/AML)
Provide, operate and improve our Services
Process and settle transactions, including wallet funding
Detect and prevent fraud, chargebacks, unauthorized activity, and financial crime
Communicate with you (support, updates, offers)
Maintain audit trails and regulatory logs
We obtain user consent at the time of data collection through app onboarding screens, transaction flows, and relevant permission dialogs.
We do not sell your personal data. We may share your information with:
Service providers to perform identity verification, fraud prevention and process payments
Regulatory authorities or law enforcement to comply with legal obligations or fraud
investigationResolve disputes, respond to reversals, and enforce our agreements
Our vendors, consultants, and agents under binding contractual confidentiality
requirements
Other users when you initiate or receive a transaction
Moneo may also share information when necessary to enforce our rights, respond to chargebacks or ACH returns, or freeze accounts under review.
We retain your information for as long as needed to:
Fulfill the purposes described above
Comply with legal obligations (e.g., 5-year AML recordkeeping requirement)
Resolve disputes, respond to reversals, and enforce our agreements
Mitigate fraud and comply with industry standards
Depending on your location, you may have rights to:
Access the personal data we hold about you
Request correction or deletion, subject to applicable law
Opt out of certain uses of your data
File a complaint with a regulator
To exercise any of these rights, email us at [email protected]. We may request identity verification prior to fulfilling requests.
If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including:
The right to know what personal information we collect, use, disclose, or sell
The right to request deletion of your personal information
The right to opt out of the sale or sharing of your personal information (note: we do not sell your personal information)
The right to non-discrimination for exercising any of your privacy rights
You or your authorized agent may submit CCPA-related requests by contacting us at [email protected]. We may verify your identity before processing your request and will respond within 45 days.
We use reasonable administrative, technical, and physical safeguards to protect your data. These measures include encryption, access controls, secure storage, and ongoing risk assessments. While we strive to protect your information, no method of transmission or storage is 100% secure.
Moneo does not knowingly collect data from anyone under 18. Our Services are intended only for adults legally able to enter into contracts. If we learn we have inadvertently collected data from a minor, we will delete it promptly.
We may update this Privacy Policy at any time. We will notify you of significant changes by updating the effective date or through other means.
If you have questions about this Privacy Policy, please contact:
Email: [email protected]
Moneo LLC© 2025 All rights reserved.
This Privacy Policy aligns with our obligations under U.S. federal and state laws and is structured to meet Apple App Store and Google Play Store distribution requirements.