📄 Maal Pay – Privacy Policy

Effective Date: 06-29-2025

This Privacy Policy describes how Maal Pay (“we”, “our”, “us”) collects, uses, and shares your personal information when you use our mobile app and related services. By using Maal Pay, you agree to the collection and use of information in accordance with this policy.

1. Information We Collect

We may collect the following types of personal and non-personal information:

a. Personal Information:

Name
Phone number
Email address
Date of birth (if required for verification)
Government-issued ID (for KYC purposes)
Location data (for agent and vendor discovery, only with permission)

b. Financial & Transactional Information:

Wallet balance and activity
Money transfers and top-ups
Crypto and currency conversions
Referral rewards and usage patterns

c. Device Information:

IP address
Device model & OS version
App usage logs and crash reports

2. How We Use Your Information

Register and manage your wallet account
Process payments, transfers, and exchanges
Facilitate referrals and reward campaigns
Improve app performance and usability
Prevent fraud and comply with regulations
Send important updates or promotions (with opt-out options)

3. Data Sharing & Third Parties

We do not sell your personal data.

We may share information:

With regulated partners (e.g. banks, crypto platforms) for processing services
With law enforcement or authorities as required by law
With third-party analytics or crash monitoring tools (e.g. Firebase, Sentry)

Each partner must comply with data protection obligations.

4. Data Retention

We retain user data only as long as necessary for:

Legal and compliance purposes
Transaction history
Customer support and audit logs

You may request account deletion or data export at any time by contacting us.

5. Security Measures

We use industry-standard encryption, secure APIs, and limited access protocols to protect your data. However, no method of transmission over the internet is 100% secure.

6. User Controls and Rights

You have the right to:

Access your personal data
Request corrections
Delete your account and associated data
Opt out of non-essential communications

7. Children's Privacy

Maal Pay is not intended for users under 13. We do not knowingly collect data from children.

8. Changes to This Policy

We may update this policy. Material changes will be communicated via in-app notifications or email.

9. Contact Information

If you have any questions or concerns about this policy:

Maal Pay Support
📧 Email: support@maal-pay.com
📞 Phone: 0989311113
🌐 Website: https://maal-pay.com