Privacy Policy

Moneta Privacy Policy Statement

Moneta is helping you to live your life beyond your current limits by enabling you with smart financial products, tools, products and services. 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.

This Privacy Policy describes how FinTech Hive (Pvt) Ltd (the "Service Provider") collects and uses the personal information you provide to the Service Provider through this website accessible at: https://www.moneta.lk (the "Websites"), Moneta Mobile App (the "App") available through Google Playstore or by other means. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information. By accessing or using the Website and Mobile App you signify that you have read this Privacy Policy, and you expressly consent to our collection, use, disclosure, storage and protection of your personal information as described in this Privacy Policy.

No sale of personal information

Service Provider will not rent or sell your personal information to third parties.

Personal Data About You That We Collect

We collect your personal data in order to provide and improve, where appropriate, our services offered through the App to you. The information we collect about you includes the following;

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 give us about you

We may collect and store any personal information you enter on our Website or App 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:

• Your name, postal and physical address, phone number and email address;
• Your National Identity Card or Passport Number;
• Your financial transaction information and related financial information;
• Your contact with us which includes messages, correspondences and call recordings when you make a call to our centre;
• Your Personal Identity Number (PIN);
• Your credit and debit information which includes your bank account number and other financial information;
• Your account information on the App;
• Your salary range;
• Your responses to our online surveys.

Information we collect about you and your device

In addition to the above when you use the App, it may use technology to automatically collect;

• Usage details - This includes traffic data, location data, logs and other communication data and the resources that you access and use on or through the App.
• Device information - This is information about your internet connection including the unique device identifier, IP address, operating system, browser type and your device's telephone number, if access is through a mobile device.
• Location information - The web site may collect real-time information about your location.
• Behavioural tracking - The web site may collect information about your activities over time and across third party websites or other online services.

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.

Use And Disclosure Of Your Personal Data

We may use information that we collect about you to:

• To accomplish our business purposes. We engage in this activity where we have a legitimate interest to do so or to comply with a legal obligation.
• 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 Apps;
• 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.

With Whom We Share Your Information

• To our service partners and third-party service providers;
  Including those who provide services such as our agents or contractors, merchants, banks, Credit Reference Bureau and our dealers.
• To permit them to send you marketing communications, consistent with your choices.
• To business partners in the context of a corporate transaction.
• If we are involved in a sale or business transaction (e.g., merger or acquisition), we will retain a legitimate interest in disclosing or transferring your personal data to a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings). Such third parties may include, for example, an acquiring or target entity and its advisors.
• For the purposes of fraud prevention and to business scoring agencies.
• When requested for by regulatory and law enforcement agencies.

How We Protect 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.

Right to Access the Personal Data We Hold

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 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 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.

Keeping You Informed

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 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.

Improving our Service to You

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.

Changes To The Privacy Policy

We may update our Privacy Policy from time to time. We will notify you prior to any changes becoming effective and update the "effective date" and "version" at the top of this Privacy Policy. By continuing to access of use the App after those changes have become effective, you agree to be bound by the revised Privacy Policy.

How To Contact Us

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 contact us.