Privacy policy.

Identity data (name, date of birth, address, ID documents and a selfie for verification), contact data (email, phone), account and transaction data, linked bank data you consent to share, and device and security data such as sign-in events and sessions.

To open and operate your account, to move money and convert currency, to meet KYC and AML obligations, to detect fraud, and to support you when something goes wrong. Some processing is required by law and cannot be opted out of while your account is open.

When you link a bank we show exactly what will be shared before you approve it. Consent is time-limited and revocable from Settings; revoking stops further data collection immediately and removes the account from your General Balance.

We share data with licensed partner institutions, identity verification and screening providers, card processors, and cloud infrastructure providers acting under contract. We disclose data to regulators and law enforcement where legally required. We do not sell personal data or use it for third-party advertising.

Account and transaction records are retained for the period required by financial regulation after closure. Data is encrypted in transit and at rest, access is role-based and logged, and staff access to customer records is audited.

You can access your data, correct it, request a copy, or ask for deletion where no legal retention obligation applies. Email privacy@monifuse.com and we will respond within 30 days.