Privacy Policy

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Last Updated: January 8, 2026

At Moovha, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, share, and protect your data when you use our services.

1. Information We Collect

1.1 Personal Information

When you create an account or use our services, we may collect:

• Identity Information: Full name, date of birth, nationality, and identification documents
• Contact Information: Phone number, email address, and physical address
• Financial Information: Transaction history, account balance, and payment methods
• Verification Information: Documents and information required for identity verification and compliance purposes

1.2 Automatically Collected Information

We automatically collect certain information when you use our services:

• Device Information: Device type, operating system, unique device identifiers
• Usage Information: How you interact with our app, features used, and time spent
• Location Information: General location based on IP address (not precise GPS location)
• Log Data: Technical information including IP address, browser type, and access times

2. How We Use Your Information

We use the information we collect to:

• Provide Our Services: Process transactions, maintain your account, and deliver requested services
• Verify Your Identity: Comply with regulatory requirements and prevent fraud
• Improve Our Services: Analyze usage patterns and enhance user experience
• Communication: Send transaction notifications, updates, and customer support messages
• Security: Detect and prevent fraud, security threats, and illegal activities
• Compliance: Meet legal and regulatory obligations, including anti-money laundering (AML) and know-your-customer (KYC) requirements

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third-party companies that help us operate our services (e.g., payment processors, cloud storage providers)
• Financial Partners: Banks and financial institutions necessary to process your transactions
• Regulatory Authorities: Government agencies and regulators when required by law
• Legal Compliance: Law enforcement or other parties when necessary to comply with legal obligations or protect our rights

4. Data Security

We implement industry-standard security measures to protect your information, including:

• Encryption of sensitive data in transit and at rest
• Regular security assessments and audits
• Strict access controls and authentication procedures
• Continuous monitoring for suspicious activity

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

5. Your Rights and Choices

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information, subject to legal and regulatory obligations
• Objection: Object to certain processing of your information
• Data Portability: Request transfer of your information to another service provider

To exercise these rights, please contact us at privacy@moovha.com.

6. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. When you close your account, we may retain certain information as required by law or for legitimate business purposes, such as fraud prevention and regulatory compliance.

7. International Data Transfers

Your information may be transferred to and processed in countries other than South Africa. We ensure appropriate safeguards are in place to protect your information in accordance with this Privacy Policy and applicable data protection laws.

8. 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 believe we have collected information from a child, please contact us immediately.

9. Third-Party Links

Our services may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the updated policy.

11. Contact Us

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

• Email: business@moovha.com
• Phone: +27 64 780 2238
• Address: Studio 02C, Devonbosch Lifestyle Estate, Bottelary Road, Stellenbosch, Cape Town, South Africa, 7605

12. Regulatory Information

Moovha is regulated by the Financial Sector Conduct Authority (FSCA) in South Africa. We comply with the Protection of Personal Information Act (POPIA) and other applicable data protection regulations.

By using Moovha, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and sharing of your information as described herein.