Privacy Policy

Depending on how you use Money in Minutes, we may collect the following categories of information.

A. Identification information

Full name, date of birth, nationality, country of residence, identification document information, passport or national ID information, identification document images where required, verification information, and information concerning the source or purpose of funds where required.

We only request identification information when it is necessary for providing our services, verifying a transaction, preventing fraud, complying with applicable law, or fulfilling regulatory obligations.

B. Contact information

Telephone number, WhatsApp number, email address, residential or mailing address, preferred language, and other information you provide when contacting customer support.

C. Transaction information

Sending country, receiving country, amount sent, currency, exchange rate, fees, recipient's name, recipient's telephone number or account information, payment method, receiving method, transaction reference, date and time of transaction, proof of payment, transaction status, and information provided to or received from payment partners.

D. Payment information

Depending on the payment method used, we may process information necessary to confirm your payment. We generally do not need to receive or store your complete card number, online-banking password, mobile-money PIN, or other authentication credentials. You should never send your PIN, password, one-time password, or banking login credentials to Money in Minutes.

E. Communications

When you contact us through WhatsApp, email, telephone, social media, website forms, or another channel, we may retain your messages, questions, customer-service history, transaction-related communications, and attachments or documents you voluntarily provide.

F. Website and technical information

IP address, browser type, device type, operating system, approximate location derived from technical information, pages visited, referring website, date and time of visits, website interaction information, and cookies and similar technologies. We use this information primarily for security, analytics, website functionality, and improvement.

G. Marketing information

If you choose to receive marketing communications, we may collect information about your communication preferences and interactions with those communications. You may unsubscribe at any time.

We may use personal information for the following purposes:

Providing our services

Process or coordinate requested transfers, verify sender and recipient information, communicate with customers, confirm payments, coordinate payments with relevant partners, provide customer support, provide transaction updates, and resolve transaction problems.

Compliance and financial regulation

Perform customer identification and verification, conduct KYC checks, prevent money laundering and terrorist financing, detect fraud and sanctions violations, identify suspicious or unusual transactions, meet financial-services regulations, respond to lawful requests from regulators and law enforcement, and maintain legally required transaction records. Some of these activities may be legally required and therefore may not depend on your consent.

Security and fraud prevention

Protect customers and our systems, detect unauthorized activity, investigate fraud and suspicious transactions, prevent abuse of our services, and protect our partners and payment networks.

Improving our services

We may use aggregated or appropriately protected information to improve our website and customer support, understand how customers use our services, identify technical problems, improve reliability, and develop new services.

Marketing

Where permitted by applicable law, we may use your contact information to send information about Money in Minutes, promotions, services, or updates. Where consent is required, we will request it, and you may withdraw it or unsubscribe at any time.

Depending on the country and applicable law, we may process personal information on one or more of the following grounds: performance of a contract or requested service; compliance with a legal or regulatory obligation; prevention and detection of fraud and financial crime; legitimate interests, where permitted by law; consent, where consent is legally required; protection of vital interests; establishment, exercise or defence of legal claims; or other lawful grounds recognized by applicable data-protection legislation.

Where we rely on consent, you may withdraw it at any time. Withdrawal of consent does not affect processing that we are legally required or otherwise permitted to continue.

Money in Minutes operates in an environment where financial transactions may be subject to anti-money-laundering, counter-terrorist-financing, sanctions, fraud-prevention, and customer-identification requirements. We may therefore request additional information or documentation before completing a transaction, including identity documents, proof of address, source-of-funds information, purpose of transaction, information concerning the sender or recipient, or additional information required by a payment or financial partner.

We may also screen transactions or customers against sanctions lists, politically exposed person information, fraud databases, and other compliance information where legally permitted or required. A transaction may be delayed, rejected, cancelled, or reported where required by applicable law or our compliance obligations. We may be prohibited by law from informing you that a particular transaction or activity has been reported to a competent authority.

We do not sell your personal information. We may disclose personal information where necessary to provide our services or comply with legal obligations. Recipients may include:

Payment and financial partners

Banks, mobile-money operators, payment service providers, money-transfer partners, foreign-exchange providers, settlement providers, receiving agents, and other financial institutions involved in a requested transaction.

Technology and service providers

Third-party providers for website hosting, cloud storage, customer support, communications, WhatsApp or messaging services, identity verification, fraud detection, analytics, cybersecurity, and transaction processing — who may process information only as necessary to provide their services, subject to appropriate contractual or legal safeguards.

Regulators and authorities

Central banks, financial-intelligence units, data-protection authorities, law-enforcement agencies, tax authorities, courts, regulators, and government authorities, where disclosure is required or permitted by applicable law.

Professional advisers

Lawyers, auditors, accountants, insurers, and other professional advisers where reasonably necessary.

Because Money in Minutes facilitates international transactions, personal information may need to be transferred to or accessed from countries other than the country where you live — potentially including countries in Africa, Europe, North America, Asia, or other locations in which our partners or service providers operate.

Where applicable law imposes requirements on international transfers, we will use appropriate safeguards, contractual protections, approvals, adequacy mechanisms, or other lawful transfer mechanisms. The exact requirements may differ depending on your country — for example, the EU's GDPR contains specific rules governing transfers outside the European Economic Area, and other jurisdictions including Rwanda, Kenya, Tanzania, Uganda, Türkiye, and China also impose their own requirements. Where a local law requires authorization or another specific transfer mechanism, we will seek to comply with that requirement.

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, unless a longer period is required or permitted by applicable law.

For financial transactions, we may need to retain information for longer periods because of AML, KYC, financial-services, tax, or accounting requirements, fraud investigations, dispute resolution, legal claims, regulatory investigations, court orders, or other legal obligations. Consequently, requesting deletion of your information does not necessarily mean that all information can immediately be deleted. Where information is no longer required, we will seek to delete, anonymize, or securely dispose of it in accordance with our retention procedures and applicable law.

Depending on where you live and which law applies, you may have rights including: the right to know whether we process your personal information; access it; request correction of inaccurate information; request deletion; object to certain processing; restrict certain processing; withdraw consent; data portability; complain to a data-protection authority; and rights concerning automated decision-making, where applicable.

These rights are not absolute. For example, we may be legally required to retain certain transaction or identification information and therefore may not be able to delete it immediately upon request. We may also need to verify your identity before fulfilling a privacy request.

We may use automated systems or rules to help identify fraud, suspicious transactions, security risks, sanctions concerns, unusual transaction patterns, or other compliance risks.

Where applicable law gives you rights concerning solely automated decisions that have legal or similarly significant effects, we will provide the rights and safeguards required by that law, including the right to request human review of a decision, where required.

Our website may use cookies and similar technologies for essential website functionality, security, remembering preferences, analytics, understanding website usage, improving performance, and marketing where permitted. Where applicable law requires consent for non-essential cookies, we will request that consent.

You can also manage cookies through your browser settings. Disabling certain cookies may affect the functionality of our website. See our Cookie Policy for the specific cookies this site uses.

Our website may contain links to third-party websites, applications, or services. These third parties have their own privacy policies and terms. Money in Minutes is not responsible for the privacy practices of websites or services that we do not control. You should review the privacy policy of any third-party service before providing personal information.

Money in Minutes may communicate with customers through WhatsApp, telephone, email, SMS, or other electronic channels. Information exchanged through third-party communication platforms may also be subject to the privacy policies and terms of those platforms.

Please do not send sensitive authentication information — passwords, mobile-money PINs, banking passwords, one-time passwords, or security codes — to Money in Minutes through WhatsApp, email, or any other communication channel. Where identity documents or payment evidence are required, use only the official Money in Minutes communication channel provided by us.

We take reasonable technical and organizational measures designed to protect personal information against unauthorized access, loss, destruction, misuse, unauthorized disclosure, alteration, or other unlawful processing. Depending on the nature and risk of the information, measures may include access controls, authentication, secure communications, restricted access, monitoring, and other appropriate safeguards.

However, no method of transmission or electronic storage is completely secure. We therefore cannot guarantee absolute security.

If we become aware of a personal-data breach, we will assess the breach and take appropriate measures as required by applicable law. Where notification to a regulator, affected individual, or other authority is legally required, we will make the required notification within the applicable period.

Our services are intended for persons who are legally permitted to use money-transfer and financial services. We do not knowingly collect children's personal information for marketing purposes. Where a transaction involving a minor is legally permitted, we may process information concerning that minor where necessary to provide the requested service or comply with applicable legal requirements.

You may receive promotional communications from Money in Minutes where permitted by applicable law. You can unsubscribe by following the instructions in the communication, contacting us, or using another method we make available.

We may continue sending essential service-related communications, including transaction confirmations, security alerts, account notices, and important service information.

We may retain and use information where necessary to investigate or prevent fraud, money laundering, terrorist financing, identity theft, account abuse, unauthorized transactions, cybersecurity incidents, or other unlawful activity. We may share relevant information with financial institutions, payment partners, regulators, law-enforcement authorities, and other competent bodies where permitted or required by law.

If you believe that we have handled your personal information improperly, you may first contact Money in Minutes so that we can investigate and attempt to resolve the issue. Depending on your location, you may also have the right to complain directly to the relevant data-protection authority. Nothing in this Privacy Policy prevents you from exercising a legal right to contact a competent regulator or authority.

Privacy laws vary between countries:

• Burundi — processed in accordance with applicable Burundian law, including Law No. 1/03 of 10 March 2026 relating to the protection of personal data, as applicable.
• Rwanda — may be subject to Law No. 058/2021 relating to the Protection of Personal Data and Privacy.
• Tanzania — may be subject to the Personal Data Protection Act, 2022 and applicable regulations, including cross-border transfer requirements.
• Kenya — may be subject to the Data Protection Act, 2019, with rights including access, correction, objection, and deletion, subject to applicable exceptions.
• Uganda — may be subject to the Data Protection and Privacy Act, 2019 and applicable regulations, including registration, security, and international transfer requirements.
• European Union / EEA — where GDPR applies, additional rights may include access, rectification, erasure, restriction, objection, and data portability, subject to applicable legal exceptions.
• Türkiye — may be subject to Law No. 6698 on the Protection of Personal Data (KVKK), with international transfers handled per applicable Turkish requirements.
• Canada — processed in accordance with applicable federal or provincial privacy requirements; regulated money-services-business activities may carry additional financial-crime compliance requirements.
• Nigeria — may be subject to the Nigeria Data Protection Act 2023 and applicable regulations and guidance.
• China — may be subject to the Personal Information Protection Law and applicable cross-border data-transfer requirements.
• Sierra Leone — subject to applicable privacy, telecommunications, financial-services, and other relevant legal requirements.

Because privacy and financial-services frameworks may evolve, this Privacy Policy may be updated when new legislation or regulatory requirements become applicable.

Nothing in this Privacy Policy limits our ability to comply with applicable law; respond to lawful government requests or court orders; comply with AML/KYC obligations; prevent fraud; report suspicious activity where legally required; protect Money in Minutes, our customers, or our partners; or establish, exercise, or defend legal claims. Where applicable law requires us to disclose information without your consent, we may do so.

We may update this Privacy Policy from time to time. When we make material changes, we may update the "Last updated" date and, where required, provide additional notice. You should periodically review this page to remain informed about how we handle personal information.

This Privacy Policy is effective from 29 August 2026. By using Money in Minutes' website or services after this date, you acknowledge this Privacy Policy.