Privacy Policy | KemetMoney

1. Introduction

KemetMoney is committed to protecting your privacy and personal data. This privacy policy explains how we collect, use, share, and protect your information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and the requirements of the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC).

2. Information We Collect

We collect the following types of information: (a) Identification information: full name, date of birth, address, phone number, email address; (b) Identity documents: copy of your Canadian driver's license or passport; (c) Financial information: payment details, transaction history; (d) Recipient information: name, Mobile Money number, destination country; (e) Technical information: IP address, browser type, operating system, login data.

3. How We Use Your Information

We use your information to: (a) Process your money transfers; (b) Verify your identity in accordance with KYC/AML requirements; (c) Prevent fraud and suspicious activities; (d) Comply with our legal and regulatory obligations (FINTRAC); (e) Improve our services and your user experience; (f) Communicate with you regarding your transactions and our service; (g) Analyze platform usage for statistical purposes.

4. Sharing Your Information

We never sell your personal data. We may share your information with: (a) Mobile Money operators (MTN, Orange) to process transfers; (b) Payment processors to process your payments; (c) Identity verification service providers; (d) Government authorities and regulatory bodies (FINTRAC) when required by law; (e) Legal advisors and auditors in connection with our legal obligations.

5. Data Retention

In accordance with FINTRAC requirements, we retain your personal data and transaction history for at least 5 years after closing your account or your last transaction. After this period, we securely delete or anonymize your data, unless we are legally required to retain it longer.

6. Data Security

We implement robust security measures to protect your data: (a) TLS 1.3 encryption for all communications; (b) AES-256 encryption for storing sensitive data; (c) Multi-factor authentication for accounts; (d) Continuous system monitoring to detect intrusions; (e) Restricted access to personal data (principle of least privilege); (f) Regular security audits and penetration testing.

7. Your Rights

You have the right to: (a) Access your personal data that we hold; (b) Correct any inaccurate or incomplete information; (c) Request deletion of your data (subject to our legal obligations); (d) Withdraw your consent to data processing; (e) File a complaint with the Office of the Privacy Commissioner of Canada; (f) Receive a copy of your data in a structured, commonly used format.

8. Cookies and Tracking Technologies

We use cookies and similar technologies to: (a) Maintain your login session; (b) Remember your preferences (language, etc.); (c) Analyze site usage (Google Analytics); (d) Improve security and prevent fraud. You can disable cookies in your browser settings, but this may affect certain features of our site.

9. International Data Transfers

Your data is primarily stored in Canada. If we need to transfer your data abroad (e.g., to cloud service providers), we ensure that appropriate protections are in place in accordance with Canadian privacy laws.

10. Protection of Minors

Our services are intended for individuals aged 18 and over. We do not knowingly collect personal information from minors. If we discover that a minor has provided us with personal information, we will delete it immediately.

11. Changes to This Policy

We may update this privacy policy from time to time. We will notify you of any significant changes by email or via a notification on our site. The date of the last update is indicated at the top of this page. Your continued use of our services after posting of modifications constitutes your acceptance of the updated policy.

12. Contact

For any questions regarding this privacy policy or to exercise your rights, contact us at: Email: support@kemetmoney.com. We are committed to responding to your requests within 30 days.

This privacy policy was last updated on December 27, 2025. We encourage you to review it regularly to stay informed about how we protect your data.