1. Introduction

Moneti Finance ("we", "our", or "us") is committed to protecting your privacy and ensuring the confidentiality of your personal information. This Privacy Policy outlines our practices concerning the collection, use, disclosure, and protection of your personal data when you use our services or interact with our website.

By using our services or visiting our website, you consent to the practices described in this policy. We encourage you to read this document carefully to understand how we handle your personal information.

2. Information We Collect

We collect various types of information to provide and improve our services:

3. How We Collect Information

• Direct collection: When you apply for our services, create an account, or communicate with us
• Automated collection: Through cookies, web beacons, and other tracking technologies
• Third-party sources: As mentioned in section 2.3

4. How We Use Your Information

We use your personal information for the following purposes:

• To provide and maintain our services
• To process and complete transactions
• To assess creditworthiness and make lending decisions
• To verify your identity and prevent fraud
• To communicate with you about our services, updates, and promotional offers
• To improve our services and develop new features
• To comply with legal and regulatory requirements
• To enforce our terms of service and other agreements

5. Information Sharing and Disclosure

We may share your information with:

• Service providers who perform services on our behalf
• Financial institutions and partners for loan processing and servicing
• Credit reporting agencies to report account activity
• Government agencies, as required by law
• Potential buyers or investors in the event of a corporate sale, merger, or acquisition

We do not sell your personal information to third parties for marketing purposes.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

7. Data Security

We implement industry-standard technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and penetration testing
• Access controls and authentication mechanisms
• Employee training on data protection and security practices
• Incident response and disaster recovery plans

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

8. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Right to access and receive a copy of your personal information
• Right to rectify inaccurate or incomplete personal information
• Right to erase your personal information in certain circumstances
• Right to restrict or object to the processing of your personal information
• Right to data portability
• Right to withdraw consent at any time, where processing is based on consent

To exercise these rights, please contact us using the information provided in the "Contact Us" section.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us, and we will take steps to remove that information from our systems.

10. International Data Transfers

Your personal information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. We take appropriate safeguards to ensure that your personal information remains protected in accordance with this Privacy Policy and applicable data protection laws.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. We encourage you to review this Privacy Policy periodically for any changes.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us.

13. Governing Law and Jurisdiction

This Privacy Policy shall be governed by and construed in accordance with the laws of [Insert Relevant Jurisdiction]. Any disputes arising under or in connection with this Privacy Policy shall be subject to the exclusive jurisdiction of the courts in [Insert Relevant Jurisdiction].