Moneta Privacy Policy Statement

Moneta is helping you to make smart decisions by giving all the necessary information and guidance. To show that we value your privacy, we are empowering you to decide on the personal information you share with us, and let you in on how we use it.

After all, making intelligent decisions is what Moneta is all about.

Moneta respects the privacy of our consumer users and commitment to protecting our users privacy. As an individual who is a user of our website or otherwise as a user of the services provided by Moneta, this Privacy Policy is intended to describe for you. This policy statement details how Moneta collects and uses your personal data, and informs you about the personal data protection measures we have put in place. When using our Service, you consent to the collection, transfer, manipulation, storage, disclosure and other uses of your information only as described in this Privacy and Personal Data Protection Policy.

In General

We may collect personal information that can identify you such as your NIC, Name, Phone No, E-mail Address and Salary Details as well as other information that does not identify you. When you provide personal information through our websites or otherwise provide to us, the information may be sent to servers located in the Singapore and other countries around the world.

Information You Provide

We may collect and store any personal information you enter on our websites or otherwise provide to us. This includes identifying information (such as your name, nic, home or mailing address, e-mail address and telephone number), personal information (such as your gender and age) and personal documents required for the financial product applications.

Use of Cookies and Other Technologies to Automatically Collect Information

We use various technologies to collect information from your computer and about your activities on our websites. We automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below) and the referring website address.

Cookies

When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.

Information Collected by Third Parties

We may allow third parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our websites. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to our websites. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies.

We may use information that we collect about you to:
  • Deliver the products and services that you have requested;
  • Manage your customer relationship and provide you with customer support;
  • Communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you;
  • Develop and display content and advertising tailored to your interests on our websites and other websites;
  • Manage our business and Perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
  • Enforce our terms and conditions and
  • Perform functions as otherwise described to you at the time of collection.

Moneta may disclose and transfer personal data to third parties including financial institutions, whose products are listed on the Moneta website, and/ or their authorized representatives. These transactions will only be made with third parties that were consented by you, the user.

At no point will we sell, distribute, or lease your personal information to third parties unless we have your permission, or are required to do so under the law.

Credit Checks

When applying for any Financial products through Moneta.lk, we collect your Personal Identification details such as NIC No, Name, Phone Number and Your Salary to submit to Financial Institute. The Financial Institute will performe the preliminary verification and credit checks based on your Personal Information. To do so, Financial Institute will be obtaining credit and relevant information on you from other parties (internal / external sources), including but not limited to credit reference agencies. Your submission application will be deemed as your consent for Financial Institute to perform such checks. Further, we will treat the information provided in the application as correct and complete, as such you are advised to verify the information before submitting.

We shall share your inforamtion to the following parties:

  • Financial product providing Financial Institute you applies to
  • Third parties, including but not limited to service providers to banks and outsourced agents, regulatory authorities, law enforcement agencies, as deem fit; for the purposes of processing your application, record keeping, demographical analysis, fraud prevention and such other purposes as may arise from time to time.

Third-party websites

There are a number of places on our websites where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click on an advertisement or a search result on our websites, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites.

If you decide to enter into a contract with a third party provider through this Website, the information you have provided to us together with any further information requested by, and supplied by you or us to the third party provider will be held by the provider for the purposes set out in that provider's privacy policy. Therefore, you are strongly advised to read your chosen provider's privacy policy and satisfy yourself as to the purposes for which the provider will use your personal information before entering into the contract. We have no responsibility for the uses to which a provider puts your personal information.

Here at Moneta, your personal data and the information that you share with us in confidence, is treated with the utmost respect and care. Thus, the safety of your personal data is important to us and it is our policy to respect the confidentiality of information and the privacy of every individual.

We regard breaches of privacy very seriously and we have implemented measures to secure and protect information, such as training our employees who handle personal data to respect the confidentiality of such personal data, storing personal data in a combination of secure computer storage facilities and paper based files and other records, taking steps to protect the personal data we hold from misuse, loss, unauthorised access, modification or disclosure.

We cannot however, secure personal data from cyber attacks, such as hacking, spyware and viruses. Individuals cannot hold Moneta liable for any unauthorized disclosure, loss or destruction of personal data arising from such risks.

To be informed of the personal data we possess, as given to us by individuals, a verification of identity will be required of the party requesting the information. Disclosure is made only to the individual whom the personal data pertains to.

To make a request to withdraw consent previously given, please contact us directly at https://www.moneta.lk/contact-us

We take any and every complaint against personal data very seriously and endeavor to ensure the address and satisfaction of all complaints that come through. Again, such complaints can be lodged via https://www.moneta.lk/contact-us

All requests to have personal data removed from our databases or physical storage facilities will be entertained and performed within the company's reasonable abilities.

You agree that we shall be entitled to advise you via email, post, telephone or by text of products, services and other offers we think may interest you.

Any electronic marketing communications we send you will include clear and concise instructions to follow should you wish to unsubscribe at any time.

Should you no longer wish to be contacted by us, you can advise us at any time by contacting us directly at https://www.moneta.lk/contact-us.

You can also ask us at any time to stop passing your information to third parties for marketing purposes, which we will do.

In order to ensure the Services we provide you continue to meet your needs we may ask you for feedback on your experience of using the website. Any feedback you provide will only be used as part of our program of continuous improvement and will not be published on the website.

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us at https://www.moneta.lk/contact-us.

Last updated on 17 October 2016