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Privacy Policy

Last Updated: January 16th, 2023

Introduction

At Motito, we are committed to protecting the privacy of our customers who use our Buy Now, Pay Later services. This Privacy Policy explains how we collect, use, share, and retain personal information of our customers, as well as the rights and choices available to them regarding their personal information.

Information We Collect

We collect personal information from customers when they sign up for our services, including their name, contact information, SMS Logs, financial information and images. Images could be a photograph or a scanned copy of any government-issued ID card, passport or utility bill that we may use for identity verification and fraud prevention purposes. SMS logs may include information about the phone number, date and time of the SMS, and the content of the SMS. We may also collect information about customers' transaction history, preferences, and other information related to their use of our services.

In addition to the information collected during the sign-up process, we may also collect information about customers when they use our services. This information may include:

Use of Information

We use the personal information we collect to provide and improve our services, including to:

Sharing of Information

We may share personal information with third parties for the following purposes:

Data Storage

We store personal information on servers that are hosted by Amazon Web Services (AWS) and take appropriate measures to protect the security of personal information stored on these servers, including implementing industry-standard security protocols and regularly monitoring for unauthorized access.

Data Retention

We retain personal information for as long as necessary to provide our services, comply with our legal obligations, and enforce our agreements. We will delete or anonymize personal information that is no longer needed for these purposes.

Consent

By using our services, you consent to the collection, use, retention, and sharing of your personal information as described in this Privacy Policy. We will seek your explicit consent before using your personal information for any purpose that is not outlined in this Privacy Policy. We will also seek your consent before sharing your personal information with any third party, except as required by law or as necessary to provide our services to you. You may withdraw your consent at any time by contacting us at hello@motito.co. However, withdrawing your consent may limit our ability to provide our services to you.

Security

We take reasonable measures to protect personal information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction. We use encryption, firewalls, and other security technologies and procedures to help protect personal information. Any personal information or data transmitted through the mobile application is protected by secure socket layer (SSL) encryption.

Access to Personal Information

Customers have the right to access, correct, update, or request deletion of their personal information. They also have the right to object to the processing of their personal information for certain purposes, such as for direct marketing. Customers have the right to request a copy of their personal information that we hold and can request it to be provided in a structured, commonly used and machine-readable format. They also have the right to lodge a complaint with a supervisory authority if they believe that we have violated their rights with regard to their personal information. To exercise these rights, please contact us at hello@motito.co. We will respond to requests in accordance with applicable laws.

Information We Receive From Others

We may receive personal information from other sources, such as credit bureaus, social media platforms, and partners. We may combine this information with the information we collect directly from customers to provide and improve our services, including to verify customers' identities and prevent fraud.

Cookies

We may use cookies and similar technologies, such as pixels and web beacons, to collect information about customers' use of our website and mobile application. Cookies are small text files that are placed on customers' devices when they visit our website or mobile application. We use cookies to understand how customers interact with our services, to remember their preferences, and to improve their experience. Most web browsers allow customers to control the use of cookies through their browser settings. Customers can choose to accept or reject cookies, or to receive notifications when a cookie is set. However, please note that disabling cookies may limit customers' ability to use certain features of our website and mobile application.

Disclosure of Your Information

We may disclose your personal information in the following circumstances:

Limitation of Liability

We will not be liable for any damages arising from the use of our services or the loss of personal information, including but not limited to direct, indirect, incidental, special, consequential, or punitive damages, regardless of whether we were advised of the possibility of such damages. We will also not be liable for any damages resulting from the unauthorized access to or alteration of customers' transmissions or data, or any other matter relating to our services.

In no event shall our total liability to you for all damages exceed the amount of fees paid by you to us in the previous 12 months.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. We will notify customers of any changes by posting the new Privacy Policy on our website and mobile application.