Moneta Privacy Policy

1. What data Moneta collects

Moneta may collect organization and account information (such as organization name, admin names, email, and phone), user profile details, End User / Payor details required for payment receipts and records, transaction metadata, notification logs, device and access logs, and support communications.

2. How Moneta uses data

We use data to provide and secure the Services, authenticate users, process workflows, maintain audit logs, detect and prevent fraud, send operational notifications, generate billing and account records, support customers, and improve product reliability and performance.

3. Payment Providers and subprocessors

Payments are processed by Payment Providers such as Paystack. Moneta receives transaction status, references, and related metadata (including webhook data) required to operate payment workflows.

Moneta may use third-party service providers (including email and SMS providers) to deliver notifications and support platform operations. We do not store full card details in Moneta; sensitive card processing is handled by the Payment Provider.

4. Data retention

Moneta retains data for as long as your account is active and for a reasonable period afterward where needed for legal, tax, audit, fraud prevention, security, or dispute handling obligations.

5. How data is shared

Moneta may share data with subprocessors and Payment Providers, where required to comply with law, to investigate fraud or security incidents, to enforce terms, or based on your account instructions.

6. Security

Moneta implements reasonable administrative, technical, and organizational safeguards designed to protect personal and account data. No method of transmission or storage is fully secure.

7. User choices and rights

You may request updates or corrections to account data through your admin controls. You may also request access or deletion of certain data, subject to legal, security, and compliance retention requirements.

8. International data transfers

Moneta infrastructure or subprocessors may process data outside Ghana. Where cross-border processing occurs, Moneta applies reasonable safeguards appropriate to the type of data and processing involved.

9. Relationship to Terms

This Privacy Policy should be read together with the Moneta Terms of Service, including statements on payment processing responsibility and billing model.

10. Contact

For privacy or legal questions, contact support@moneta.ikobgh.com and include your organization name.