Privacy Policy

The Privacy Policy MoneyPigeon, establishes how and when MoneyPigeon will collect, use, share and protect customer privacy and personal information across our software applications (“apps”), website and other solutions provided by MoneyPigeon.

1. Objective

The Privacy Policy (the “Policy”) forms part of MoneyPigeon’s governance compliance system and is geared towards meeting the provisions of the Federal Reserve, global regulations such as the GDPR, and requirements set forth by partners.

We are dedicated to protect the privacy and security of our customers, and all personal data from customers will be processed transparently and fairly in accordance with this policy.

2. Scope

This policy applies to all activities related to all MoneyPigeon customers, staff, contractors, and service providers.

3. Definitions

Personal Data: This refers to data in any format that identifies, or can be used with other data available to MoneyPigeon to identify an individual.

Processing: Processing refers to any action taken with Personal Data, including but not limited to the collecting, storing, altering, accessing, transferring, receiving, sharing, deleting, or destruction of personal data.

Privacy Risk: Privacy risk is the financial loss, reputational harm, or regulatory/legal action arising out of decisions related to the violation of laws, regulations, contractual obligations, or adherence to this Privacy Policy that applies to the processing of personal data.

Cookies: A cookie is a small data file that is transferred to your computer or mobile device. It enables us to remember your account log-in information, IP addresses, web traffic, number of times you visit, browser type and version, device details, and date and time of visits.

Platform: means any platform including but not limited to mobile applications, websites, and social media platforms provided or maintained by

4. Principles Guiding our Privacy Commitment

The following key principles are at the core of MoneyPigeon’s commitment to the privacy and security of your personal information.

We want you to be in charge of your personal information and to make your own voluntary choices about your personal data.
We do not take your trusting us with your information for granted. We take responsibility to ensure that appropriate security measures are put in place and your personal information is protected.
We want you to know what personal information is, how we collect personal information, for what purpose and how we secure personal information.

MoneyPigeon is a global company with local privacy expertise. Our privacy practices may vary among the countries in which we operate to reflect local practices and legal requirements. Specific privacy notices may apply to some of our products and services. Please visit the webpage or digital asset of the specific product or service to learn more about our privacy and information practices in relation to that product or service.
MoneyPigeon collects personal information to perform its services for you. We work to have measures in place to prevent collecting and storing personal data beyond what we need.
We do not collect any special category personal information such as sexual orientation, race, religion, and ethnicity. If we do collect such information, we will ensure compliance with applicable laws.

5. The Policy

The Privacy Policy sets forth how MoneyPigeon will collect and process personal data from customers, as well as the rights afforded to MoneyPigeon customers and how customer data may be disclosed to third parties.

5.1 Collection of Data

We will collect customers’ data that is provided as part of accessing MoneyPigeon’s services. The following are the forms of data that may be collected as you use our services:

Personal Data We May Collect

We may collect, record and use information about you in physical and electronic form and will hold, use and otherwise process this data in accordance with the Data Protection Legislation and as set out in this Policy.

The Personal Information we collect and use may include, amongst other things:

Identity Data: Information such as, your full name(s), your government-issued identity number, bank verification number (BVN) and your date of birth. This data is to enable us to verify your identity in order to offer our services to you.

Contact Data: This is data that is needed to reach out to you, such as your contact address, email address, telephone number, details of the device you use and billing details.

Identification Documents: This includes your passport or any Government-issued identity card, a photograph (if applicable), and any other registration information you may provide to prove you are eligible to use our service.

Usage Data: When you access the Services, our servers automatically record information about how you use our Services including links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location and other device details.

Log/Technical Information: When you access our services, our servers automatically record information that your browser sends whenever you visit a website, links you have clicked on, length of visit on certain pages, unique device identifier, log-in information, location, and other device details.

Financial Data: Information, such as personal account number, the merchant’s name and location, the date and the total amount of transaction, and other information provided by financial institutions or merchants when we act on their behalf.

Transactional Data: This is information containing details of the transactions you carry out when using our Services, including geographic information.

Marketing and Communications Data: This includes both a record of your decision to subscribe or to withdraw from receiving marketing materials from us or from our third parties, records of your discussions with us; if we contact you and/or if you contact us, information about your visit to our website, including the full Uniform Resource Locators (URL), clickstream to, through and from our website (including date and time), length of visits to certain pages, page interaction information (such as scrolling, clicks and mouse-overs) and methods used to browse away from the page.

Personal Information of Third Party: We may also collect Personal Information including financial information of any individual, other than yourself, that receives payment from you during your use of our Services. In such case, you confirm to us that you have obtained requisite consent from such individual to disclose his/her Personal Information to us for the use and processing of such Personal Information by us for the purpose of providing the Services to you.

Information from Third Parties or Other Sources: We may also receive Personal Information about you from third parties or other sources such as your financial institution, to confirm the basic Personal Information about you or our identity verification partners, in line with the fulfilment of our Anti Money Laundering and Combating the Financing of Terrorism (AML/CFT) obligations.

We may also collect, store, use and transfer non-personal information or anonymized data such as statistical or demographic data.

5.2 Mode of Collections and Reasons for Collecting Personal Information

The Personal Information we have about you is directly made available to us when you:

Use any of our services.

Contact our customer support team.

Fill out our online forms.

Other sources, including publicly available information.

The Lawful Basis We Rely on for Processing Your Personal Information are:

Your Consent: Where you agree to us collecting your Personal Information by using our Services or obtain your permission through third parties such as Google for targeted advertising.

Contractual Obligation: Without your Personal Information, we cannot provide our Services to you.

Legal Obligation: To ensure we are fully compliant with all applicable financial legislations such as Anti-Money Laundering and Counter Terrorist Financing Laws, we must collect and store your Personal Information. We protect against fraud by checking your identity with your Personal Information.

5.3 How We May Use Your Personal Information

We may use your Personal Information we collect to:

Create and manage any accounts you may have with us, verify your identity, provide our services, and respond to your inquiries.

Process your payment transactions (including authorization, clearing, and other related dispute resolution activities).

Protect against and prevent fraud, unauthorized transactions, claims and other liabilities.

Provide, administer and communicate with you about products, services, offers, programs and promotions of MoneyPigeon, financial institutions, merchants and partners.

Evaluate your interest in employment and contact you regarding possible employment with MoneyPigeon.

Evaluate and improve our business, including developing new products and services.

To target advertisements, newsletter and service updates.

As necessary to establish, exercise and defend legal rights.

As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over MoneyPigeon or MoneyPigeon’s affiliates.

To use data analytics to improve our website, products or services, and user experiences.

For other purposes for which we provide specific notice at the time of collection.

We will only use Your Personal Information for the stated purposes for which we collected it, unless we reasonably consider that we need to use it for another purpose and that purpose is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us. If we need to use your Personal Information for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so. Please note that we may process your Personal Information without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.

5.4 Data Security and Retention

The security of your Personal Information is important to us. We are committed to protecting the information we collect. We maintain administrative, technical and physical controls designed to protect the Personal Information you provide, or we collect against loss or theft, as well as against any unauthorized access, risk of loss, disclosure, copying, misuse, or modification. Other security measures include but not limited to, secure servers, firewalls, data encryption, and granting access only on a need-to-use basis. Where you use a password for any of your Accounts, please ensure you do not share this with anyone, and the password is kept confidential at all times. We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of your Personal Information is protected and maintained. Transmitting information online is not entirely secure. As such, we cannot guarantee that all information provided online is secure. We would take all reasonable steps to ensure that your Personal Information is secured and well protected. We will only retain personal information on our servers for as long as is reasonably necessary as long as we are providing Services to you. Where you close your Account, your information is stored on our servers to the extent necessary to comply with regulatory obligations and for the purpose of fraud monitoring, detection and prevention. Where we retain your Personal Data, we do so in compliance with limitation periods under the applicable law.

5.5 Disclosing Your Personal Information

We may disclose or share your Personal Information with third parties, which include our affiliates, employees, officers, service providers, agents, suppliers, and subcontractors as may be reasonably necessary for the purposes set out in this policy.

MoneyPigeon only shares personal information with External Third parties in the following limited circumstances:

We have your consent. We require opt-in consent for the sharing of any personal information; we share Personal Information with third parties directly authorized by you to receive Personal Information, such as when you authorize a third-party application provider to access your account. The use of your Personal Information by an authorized third party is subject to the third party’s privacy policy and MoneyPigeon shall bear no liability for any breach which may arise from such authorization by you.

We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.

We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to:

-satisfy any applicable law, regulation, legal process or enforceable governmental request.

-enforce applicable Terms of Service, including investigation of potential violations thereof.

-detect, prevent, or otherwise address fraud, security or technical issues, or

-protect against imminent harm to the rights, property or safety of MoneyPigeon, its users or the public as required or permitted by law.

If MoneyPigeon becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy

5.6 Marketing

We may process your Personal Information in order to contact you or send you marketing content and communication about our products, services, or surveys. You may exercise your right to object to such contact from us or opt-out from the marketing content. Please note however that if you opt-out of marketing content, we may still send you messages relating to transactions and our Services related to our ongoing business relationship. We may ask you for permission to send notifications to you. Our Services will still work if you do not grant us consent to send you notifications.

5.7 Your Data Protection Rights and Choices

Based on your location and applicable laws, below are the rights you have as a user in relation to your Personal Information:

Right to be informed

Right to request access or copies to your Personal Information by signing into your Account or contacting us

Right to request that MoneyPigeon erase your Personal Information. You have the right to ask us to erase your Personal Information. Please note that this is a limited right which applies where the data is no longer required, or the processing has no legal justification. The exceptions to this right is where the applicable law requires MoneyPigeon to retain a historical archive or where we retain a core set of your personal data to ensure we do not inadvertently contact you in future where you object to your data being used for marketing purposes.

Right to correct or rectify any Personal Information that you provide which may be incorrect, out of date or inaccurate. You also have the right to ask us to complete information you think is incomplete.

Right to object to the processing of your Personal Information for marketing purposes. You have a right to ask us not to contact you for marketing purposes by adjusting your notification preference on the settings page or by opting out via the unsubscribe link in marketing emails we send you.

Right to object to processing. You have the right to object to the processing of your Personal Information in certain circumstances. Please note that where you object to us processing your Personal Information, we might be unable to provide these services to you.

To target advertisements, newsletter and service updates;
As necessary to establish, exercise and defend legal rights;
As may be required by applicable laws and regulations, including for compliance with Know Your Customers and risk assessment, Anti-Money Laundering, anti-corruption and sanctions screening requirements, or as requested by any judicial process, law enforcement or governmental agency having or claiming jurisdiction over MoneyPigeon or MoneyPigeon’s affiliates;
To use data analytics to improve our Website, products or services, and user experiences.
For other purposes for which we provide specific notice at the time of collection.

The basis of we processing your Personal Information is your consent. You also have the choice at any time to withdraw consent which you have provided. You also have a choice to deactivate your Account at any time. You may contact us should you wish to de-activate your Account at any time via the Contact Us segment below or send us an email at [email protected]. If you wish to exercise any of the rights set above, please contact us using the contact information provided in the contact us section below. Where we are unsure of your identity, we might ask you for proof of your identity for security reasons before dealing with your request.

5.8 Cookies

Like many other websites, we use cookies to distinguish you from other users and to customize and improve our services. Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when a website wants to place a cookie on your computer. If you do choose to disable cookies, it may limit your ability to use our website.

5.9 Minor

MoneyPigeon’s websites and applications are not directed at persons under the age of eighteen (18) and we do not collect any Personal Information knowingly or directly from minors who fall within this category. Where you have any belief that MoneyPigeon has mistakenly or unknowingly collected information from a minor, contact us using the information provided under the Contact Us section to enable investigation and restriction of such data.

5.10 International Data Transfers

Our business is global with affiliates and service providers located around the world. As such, Personal Information may be stored and processed in any country where we have operations. Also, your Personal Data may be transferred to countries that may not have the same data protection laws as the country you initially provided your Personal Information, but whenever we transfer or transmit your Personal Information internationally, we will ensure or take reasonable steps to ensure your Personal Information is handled securely in line with the applicable data protection laws and standard contractual clauses.

5.11 Updates To Our Privacy Policy

From time to time, we may change, amend or review this Privacy Policy to reflect new services or changes in our Privacy Policy and place any updates on this page. All changes made will be posted on this page and where changes will materially affect you, we will notify you of this change by placing a notice online or via mail. If you keep using our Services, you consent to all amendments of this Privacy Policy.

5.12 Contact Us

All access requests, questions, comments, complaints and other requests regarding the privacy policy should be sent to [email protected]. We may request additional details from you regarding your complaints and keep records of your requests and resolution.