Munify Privacy Policy
We collect information you provide directly, including:This Privacy Policy describes how Munify Corporation (“Munify,” “we,” “us,” or “our”) collects, uses, discloses, and safeguards information in connection with your access to and use of our websites, mobile applications, accounts, wallets, cards, payment services, and related features (collectively, the “Services”). It also explains rights and choices that may be available to you under applicable law.
By accessing or using the Services, you acknowledge that information relating to you will be handled as described in this Privacy Policy and in accordance with our Terms and Conditions
1. Information We Collect
We collect information that you choose to provide when using the Services, such as when you create or manage an account, complete identity verification or other compliance steps, initiate or authorize transactions, communicate with us, or otherwise interact with the Services. This information may include personal identifiers, contact information, government-issued identification, financial or payment details, transaction instructions, and documentation required to meet legal or regulatory obligations.
When you access or use the Services, we may also automatically collect information associated with your device, browser, and interactions with the Services. This may include IP address, device identifiers, approximate location, usage data, log files, and information collected through cookies or similar technologies.
In addition, we may receive information about you from third parties, such as financial institutions, identity verification and compliance partners, analytics providers, public sources, service vendors, or regulatory authorities, where necessary to support service delivery, security, compliance, and risk management. If you transact with or otherwise interact with another user through the Services, information relating to you may also be provided to us by that user in connection with the interaction.
2. Categories of Information We Process
Depending on how you use the Services, the information we process may include identifiers and contact details, financial and transaction information, technical and usage data, business-related information, communications, and information required to comply with legal, regulatory, or contractual obligations. Certain categories of information may be considered sensitive under applicable law and are processed only as necessary and as permitted.
3. How Information Is Used
We use information as reasonably necessary and appropriate to operate, maintain, and improve the Services; to facilitate accounts, payments, transfers, and other transactions; to verify identity and meet legal and compliance requirements; to communicate with you regarding your account, transactions, updates, or support inquiries; to detect, prevent, and investigate fraud, misuse, or unauthorized activity; to analyze usage and system performance; to enforce our agreements and policies; and to comply with applicable legal, regulatory, or contractual obligations.
Where permitted by law, information may also be used in aggregated or de-identified form for analytics, reporting, research, and service improvement purposes.
4. Legal Bases for Processing (Where Applicable)
Where applicable privacy laws require a legal basis for processing personal information, our processing activities are based on one or more lawful grounds, including performance of a contract with you, compliance with legal obligations, legitimate interests such as security and fraud prevention, and consent where required. The applicable legal basis may vary depending on the nature of the information and the context in which it is processed.
5. Sharing and Disclosure of Information
We may disclose information to service providers, vendors, and partners who perform services on our behalf or support the operation of the Services, including payment processors, banking partners, verification providers, and analytics services. Information may also be shared with financial institutions and payment networks involved in processing transactions, with regulators, courts, law enforcement, or other authorities where required or permitted by law, and with other users where necessary to complete transactions or interactions you initiate.
We may further disclose information in connection with corporate events such as mergers, acquisitions, restructurings, or asset transfers, or where disclosure is necessary to protect the rights, safety, and integrity of Munify, our users, or others, or to enforce our agreements. We do not sell personal information to third parties for their own marketing purposes.
6. Cookies and Similar Technologies
We use cookies and similar technologies to support essential functionality of the Services, enhance security, remember user preferences, analyze usage, and improve performance. You may manage or disable cookies through your browser or device settings; however, limiting certain technologies may affect how the Services function.
7. Information Security and Retention
We maintain reasonable administrative, technical, and organizational measures designed to protect information against unauthorized access, loss, misuse, or alteration. While we take appropriate steps to safeguard information, no security controls are infallible, and absolute security cannot be guaranteed.
We retain personal information for as long as reasonably necessary to provide the Services, comply with legal and regulatory requirements, resolve disputes, enforce agreements, and pursue legitimate business purposes. Retention periods may vary depending on the nature of the information and applicable obligations.
8. Your Rights and Choices
Subject to applicable law and certain limitations, you may have rights to access, correct, delete, or restrict the processing of your information, to object to certain processing activities, to withdraw consent where processing is based on consent, or to request data portability. Requests may be made using the contact details below, and we may require verification of your identity and evaluate requests in accordance with legal requirements before responding.
9. Children’s Information
The Services are not intended for individuals under the age of eighteen (18), and we do not knowingly collect personal information from children under that age. If we become aware that such information has been collected, we will take reasonable steps to delete it.
10. International Data Transfers
Your information may be processed or stored in jurisdictions outside your place of residence. Where cross-border transfers occur, we take measures intended to ensure that information is protected in a manner consistent with applicable law.
11. Links to Third-Party Services
The Services may contain links to third-party websites or services that are not operated or controlled by Munify. This Privacy Policy does not apply to those third parties, and we are not responsible for their privacy practices.
12. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. Updates will be posted and where required by law, we will provide additional notice. Continued use of the Services after updates are posted constitutes acceptance of the revised Privacy Policy.
13. Contact Information
If you have questions or concerns about this Privacy Policy or our information practices, please contact us at:
Munify Corporation
Email: complaints@munify.ai