Effective January 1, 2025

What Is the Purpose of Our Privacy Policy?

Moneco France SAS, the company managing the Moneco App mobile application, places a high value on protecting and safeguarding your personal data, which we view as a cornerstone of trust and reliability.

Our Privacy Policy reflects our commitment to complying with applicable data protection laws, particularly the General Data Protection Regulation (GDPR), within Moneco France SAS.

Specifically, our Privacy Policy aims to inform you about how and why we process your personal data in connection with the services we provide to you.

Who Is Our Privacy Policy For?

Our Privacy Policy is intended for you, regardless of your place of residence, as long as you are at least 15 years old and a user of our Moneco App mobile application.

If you are under the age specified above, you are not permitted to use our services without the prior explicit consent of one of your parents or your legal guardian, which must be sent to us by email at [email protected].

If you believe we hold personal data about your children without your consent, please contact us at the dedicated email address provided above.

Why Do We Process Your Personal Data, and On What Basis?

We process your personal data primarily for the following reasons:

• To use and benefit from our service and its full functionality, based on our terms of use.
• To manage user accounts (e.g., account creation, service access, and account deletion), based on our terms of use.
• To send you technical emails (e.g., password changes), essential for the proper functioning of our service, based on our terms of use.
• To interact with our teams via our chatbot, based on our terms of use and the chatbot’s terms of use.
• To enable you to upload and import documents to our platform, based on our terms of use.
• To establish a fraud prevention score, based on our terms of use.
• To ensure and enhance the security and quality of our services on a daily basis (e.g., statistics, data security), based on our legal obligations, our terms of use, and our legitimate interest in maintaining our services.

Your data is collected directly from you as a user of our mobile application. We commit to processing your data solely for the reasons outlined above.

What Personal Data Do We Process, and For How Long?