Privacy Policy

Introduction

This Privacy Policy (the Policy) explains how Move Money Ltd ("Move", "we", "our", "us") collects, uses, stores, and shares your information when you use the Move mobile app, USSD (*718#), website, and related services (the Services).

We are committed to protecting your privacy and handling your information responsibly and in compliance with Ghana's Data Protection Act, 2012 (Act 843). By your information, we mean any information about you that you provide to us.

We will only collect, process and share your information so that we can provide you with the Services that you are applying for. We will obtain your consent for any other processing that is not related to this purpose.

Information We Collect

Information you provide:

• Name, phone number, email, date of birth, ID details, address, business name, business registration number and other personal and business information as Move may deem necessary.
• Payment and transaction details.
• Messages or notes attached to transactions.
• Account login credentials.
• Any other information that Move may request from time to time.

Information collected automatically:

• Device information (e.g., phone model, OS).
• Location (where required for compliance).
• Usage data (e.g., frequency of app/USSD use).

How We Use Your Information

We use your information to:

• Provide and improve the Services.
• Process transactions (payments, airtime, escrow).
• Authenticate identity and prevent fraud.
• Comply with legal and regulatory requirements.
• Communicate service updates and promotional offers (with your consent).
• Resolve disputes and provide customer support.
• For historical, statistical or research purposes where the outcomes will not be published in an identifiable format.

Sharing Your Information

We may share your information with:

• Financial institutions (banks, telcos, payment service providers).
• Third-party vendors who support our operations (hosting, security, analytics).
• Regulators and law enforcement where required by law.
• Business partners for joint services, subject to your consent.

We do not sell your personal data.

Data Storage & Security

Your data is stored on secure servers in Ghana (and, where necessary, in other jurisdictions with adequate protection).

We use encryption and security safeguards but cannot guarantee 100% security.

Data Retention

We retain your personal data as long as necessary for service provision, legal compliance, and dispute resolution. When no longer required, data is securely deleted.

Your Rights

You have the right to:

• Access and request a copy of your data.
• Request correction or deletion of your data.
• Restrict or object to certain processing.
• Withdraw consent (where processing is based on consent).
• Lodge complaints with Ghana's Data Protection Commission.

Cross-Border Data Transfer

If data is transferred outside Ghana, we ensure it is protected in line with applicable law.

Updates to This Policy

We may update this Policy from time to time. Material changes will be communicated through the app, USSD, or email.