Privacy Policy

Last Updated: September 10, 2025
This is the privacy statement of Moniepal, Inc. (“Moniepal,” “we,” “us,” or “our”), a U.S.-registered company (Registration No. 10267201). This statement describes how Moniepal collects and processes data about you, the end user (“you,” “your”). This privacy statement forms part of a legal contract between Moniepal and you, together with our Terms of Service. Capitalized terms not defined here have the meanings given in the Terms of Service
1. Purposes of Data Processing
Moniepal uses the information you provide to us or that we collect about you for the following purposes:
  • Compliance Purposes: To comply with applicable laws, including obligations to prevent money laundering, terrorist financing, and fraud; to ensure the security of our Services; and to respond to lawfli requests by regliators or authorities
  • Contractual Purposes: To provide the Services you request, such as setting up your account, processing transactions, and providing customer support.
  • Analytical Purposes: To understand how our customers use our Services, improve functionality, and develop new features.
  • Marketing Purposes: To provide you with relevant information about our Services, promotions, and updates.
2. Categories of Data and Legal Basis
Contact Information (name, email, phone number):
  • Contractual purposes: managing your account and providing customer support
  • Marketing purposes: sending updates, offers, and promotions
Wallet & Identity Data (wallet addresses, ID documents, verification data)
  • Contractual purposes: enabling transactions
  • Compliance purposes: meeting KYC/AML requirements
Transaction Data (amount, currency, counterparties, timestamps)
  • Contractual purposes: fulfilling your transactions
  • Compliance purposes: regulatory and anti-fraud obligations
  • Analytical purposes: monitoring usage patterns to improve our platform
Technical Data (device information, IP address, cookies, app usage logs)
  • Contractual purposes: ensuring functionality and security
  • Analytical purposes: performance optimization
  • Marketing purposes: tailoring content or promotions
3. Legal Basis for Processing
Moniepal processes your data under the following grounds:
  • Compliance Purposes – GDPR Art. 6(1)(c): required by law to which Moniepal is subject.
  • Contractual Purposes – GDPR Art. 6(1)(b): necessary for performing our Terms of Service and delivering Services.
  • Analytical Purposes – GDPR Art. 6(1)(f): legitimate interest in understanding and improving our Services.
  • Marketing Purposes – GDPR Art. 6(1)(f): legitimate interest in offering relevant products and services (you may opt out at any time)
4. Retention
We do not retain your data longer than necessary to fulfill the purposes for which it was collected.
  • Contact, technical, and identity data: generally retained for 2 years after account closure, unless required longer by law.
  • Transaction data: retained as long as required by financial regulations (typically 5-7 years).
5. Promotion & Marketing
If you consent, we may send you marketing communications via email, SMS, or push notifications. You can opt out at any time through app settings or unsubscribe links.

We may also run promotional campaigns, surveys, or referral programs requiring limited personal data (e.g., name, email). Any third-party involvement will be disclosed at the time.
6. Sharing Information with Third Parties
Moniepal may share your data with:
  • Service providers: identity verification, payment processors, cloud hosting, analytics
  • Law enforcement/regulators: if required under applicable law. Services.
  • Business partners: when necessary for providing features (on/off-ramp providers, swaps, etc.).
  • Blockchain networks: to complete crypto transactions (public ledger records are pseudonymous, not personal data).
We do not sell your personal information.
7. Your Rights
Depending on your jurisdiction, you may have the right to:
  • Access, correct, or delete your personal data
  • Restrict or object to processing
  • Receive a copy of your data in a portable format
  • Withdraw consent for marketing communications
Requests can be made by contacting hello@moniepal.co
8. International Transfers
Your data may be transferred and stored outside your home country. Where legally required, we use safeguards such as standard contractual clauses to ensure adequate protection.
9. Children’s Privacy
Moniepal’s Services are not intended for individuals under 18 years old. We do not knowingly collect personal information from minors.
10. Changes to This Policy
We may update this Privacy Statement from time to time. Updates will be posted with a revised effective date. Your continued use of the Services means you accept the updated terms.
11. Contact Us
Moniepal Inc is very open about privacy and recognizes your trust as a great value. If you have any questions about this statement or any privacy issues in Blueboard applications or Services, feel free to contact us via this email hello@moniepal.co in such a case we will process your email address for the purpose of your inquiry.