Momint Limited (Company number: 13316351) (“Momint”) is committed to protecting your privacy. There are various ways that you might interact with our platform, and the information you provide when doing so allows us to improve our services.
What information we collect, and why we collect it;
How we use that information;
How we protect that information;
How you can control your information, including accessing, updating and deleting what we store; and
How we share information collected.
Information we collect
How We Use Information
Updating Your Information and Opting Out
Momint as Data Processor
Disclosure of Your Personal Data to Third Parties
Security of Your Personal Data
Data Retention: How Long We Keep Your Personal Data
Links to Third Party Websites and Third Party Applications
Changes to This Policy
1. Information we collect
Information Voluntarily Provided
We may collect or record basic personal information which you voluntarily provide through our Site, through questions you send to us, or through other means of communication between you and us. The categories of personal information you provide may include:
first and last name;
password to register with us;
Date of birth;
any other identifier that permits us to make contact with you.
any other personal information that may be necessary for us to carry out our Know-Your-Customer obligations.
Information from Site Visits
We collect, store and use information about your visits to the Sites and about your computer, tablet, mobile or other device through which you access the Sites. This includes the following information:
technical information, including the Internet protocol (IP) address, browser type, internet service provider, device identifier, your login information, time zone setting, browser plug-in types and versions, operating system and platform, and geographical location;
information about your visits and use of the Site, including the full Uniform Resource Locators (URL), clickstream to, through and from our Site, pages you viewed and searched for, page response times, length of visits to certain pages, referral source/exit pages, page interaction information (such as scrolling, clicks and mouse-overs), and Site navigation and search terms used.
2. How We Use Information
As a data controller, we will only use your personal information if we have a legal basis for doing so. The purpose for which we use and process your information and the legal basis on which we carry out each type of processing is explained in the table below.
If you do not wish to provide us with your personal data and processing such data is necessary for the provision of our services to you and to fulfil our contractual obligations with you, we will not be able to provide our services to you or perform our obligations under the contract between us and yourselves. Where you provide consent, you can withdraw your consent at any time and free of charge, but without affecting the lawfulness of processing based on consent before its withdrawal.
3. Updating Your Information and Opting Out
To review, correct, update, delete, object or otherwise limit our use of your personal information that has been provided to us, or request portability and/or details of your personal information that is held by us, please contact us using the contact information listed below in the “Contacting Us” section and clearly describe your request.
If you have registered for an account with us, you can help to ensure that your personal information is accurate and up to date by logging into your account.
You may unsubscribe from marketing communications at any time by clicking the “Unsubscribe” button available at the bottom of any electronic communication we may send to you. You may also unsubscribe from any medium of communication by contacting us using the information set out in the “Contacting Us” section below.
4. Momint as Data Processor
In certain cases, we also operate as a data processor and we collect and process personal information on behalf of a Client of ours in the provision of our services. In these circumstances, Momint is acting as a data processor and our Client remains the data controller in respect of personal information they provide to us.
Our Client remains the data controllers with respect to any personal information that they provide to us for the provision of our services. To the extent that we are acting as data processor, we therefore act in accordance with the instructions of our Client regarding the collection, processing, storage, deletion and transfer of personal information, as well as other matters such as the provision of access to and rectification of personal information. We will only use such personal information for the purposes of providing the services for which our Client has engaged us.
Our Client is responsible for ensuring that your privacy is respected, including communicating to you in their own privacy policies who their personal information is being shared with and processed by. Where Momint is acting as a data processor, we will refer any request from you for access to personal information which we hold about you to our Client. We will not respond directly to the request.
As a data processor, we may share personal information where instructed by our Client. Where authorized by the Client, we may also share personal information with third party service providers who work for us and who are subject to security and confidentiality obligations.
5. Disclosure of Your Personal Data to Third Parties
We may share your personal information with our affiliates, subsidiaries or contractors as necessary to carry out the purposes for which the information was supplied or collected (i.e. to provide the services you have requested from us). Personal information will also be shared with our third party service providers and business partners who assist with the running of the Sites and our services and products including hosting providers, email service providers and payment processing partners. Our third party service providers and business partners are subject to security and confidentiality obligations and are only permitted to process your personal information for specified purposes and in accordance with our instructions.
In addition, we may disclose information about you when we believe that such use or disclosure is reasonably necessary to: comply with any legal or regulatory obligation; establish, exercise or defend the rights of Momint, our staff, customers or others; and protect our rights, property or safety, or the rights, property or safety of our users, or others.
6. International Transfers
If you are based in the EU or EEA
We may share your personal data outside the European Economic Area (EEA) to Momint’s affiliates and third party service providers internationally, including but not limited to, South Africa. Whenever we transfer your personal data outside the EEA to the countries identified above which have not been deemed by the EU to have an adequate level of protection for personal data, and specifically to the US, we ensure a similar degree of protection is afforded to it by using standard data protection clauses approved by the European Commission (as permitted under Article 46(2)(c)) that are designed to help safeguard your privacy rights.
7. Security of Your Personal Data
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. We use appropriate measures to safeguard personally identifiable information, which measures are appropriate to the type of information maintained, and follow applicable laws regarding the safeguarding of any such information under our control. No method of transmission over the Internet, or method of electronic storage, can be 100% secure. Therefore, we cannot guarantee the absolute security of your information. The Internet by its nature is a public forum, and we encourage you to use caution when disclosing information online. Often, you are in the best situation to protect yourself online. You are responsible for protecting your username and password from third party access, and for selecting passwords that are secure.
8. Data Retention: How Long We Keep Your Personal Data
We will retain personal information which we process for as long as needed to provide services to you and in accordance with your use of the Site and any agreement in place with you. When you contact us, we may keep a record of your communication to help solve any issues that you might be facing. Your information may be retained for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirement.
9. Your Rights
You may request from us access to, correction of, blocking of and/or deletion of your personal data in line with applicable data protection law. You may also withdraw your consent for us to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. Where your personal data is processed by us with your consent or for the performance of a contract by automated means, we will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format upon request.
Responding to Requests
We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response. We try to respond to all legitimate requests within one month. Occasionally it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances. Also, please note that we may refuse a request for blocking and/or deletion where the processing is necessary to comply with a legal obligation or necessary for the establishment, exercise or defence of legal claims.
We may collect data in connection with your use of our Sites using small files commonly known as “cookies”. A cookie is a small amount of data which often includes a unique identifier that is sent to your computer or mobile phone (your “device”) from the Sites and is stored on your device’s browser or hard drive. We may also collect data that your browser sends to us, such as your IP address, browser type, location, language, access time and referring website addresses. Such data may be used to analyze trends, to administer the Site, to track your movements around the Site and to gather demographic data about our visitor base as a whole. The data gathered by these cookies is in the form of aggregated anonymous data.
You can find more information about how to manage cookies for all the commonly used internet browsers by visiting www.allaboutcookies.org. This website will also explain how you can delete cookies which are already stored on your device.
We currently use the following cookies:
We are obliged by Google Analytics to state the following:
IP Addresses and Aggregate Information
An Internet Protocol (“IP”) address is associated with your computer’s connection to the internet. We may use your IP address to help diagnose problems with our server, to administer the Site and to maintain contact with you as you navigate through the Site. Your computer’s IP address also may be used to provide you with information based upon your navigation through the Site. Aggregate information is used to measure the visitors’ interest in, and use of, various areas of the Site and the various programs that we administer. We will rely upon aggregate information, which is information that does not identify you, such as statistical and navigational information. With this aggregate information, we may undertake statistical and other summary analyses of the visitors’ behaviours and characteristics. Although we may share this aggregate information with third parties, none of this information will allow anyone to identify you, or to determine anything else personal about you.
11. Links to Third Party Websites and Third Party Applications
Our Sites may contain links to third party websites. These third party websites are operated by companies that are outside of our control, and your activities at those third party websites will be governed by the policies and practices of those third parties. Momint does not in any way endorse or make any representations about such third-party websites and applications. As such, Momint is not responsible for the privacy practices or content of such third-party websites and applications that are subject to their own privacy policies. If you choose to access such links, we encourage you to review all third-party site privacy policies before submitting any of your data.
We do not sell our services to children and the Site is not intended for or directed at Users under the age of 18 years. As such, our Sites are designed for adult user interaction. We do not intentionally collect personally identifiable information from Users under the age of 18. If you believe that we may have collected personal information from someone under the age of 18 (or the applicable age of consent) without proper consent, please let us know using the methods described in this policy.
If we receive formal written requests or complaints, we will follow up with the party making the request or complaint. To the extent permitted by applicable law, where we have not properly addressed your request, you have the right to lodge a complaint with the competent data protection authority in your locality (for example, in the UK, the supervisory authority would be the Information Commissioner’s Office, whose website can be found here https://ico.org.uk/).
14. Contacting Us