Motito Privacy Policy

1. Introduction

Motito Ltd. (referred to as "Motito", "we", "us", or "our") is a layaway and instalment payment service registered in Delaware with a subsidiary in Ghana, where we conduct our operations. We provide PaySmallSmall, a service that allows customers to pay for physical or tangible assets in instalments. This service is primarily available through our website at motito.co and our partner platforms.

At Motito, we are committed to protecting the privacy of our customers. This Privacy Policy explains how we collect, use, share, and retain personal information, as well as the rights and choices available to you regarding your personal information.

You should read this Privacy Policy in its entirety.

2. Agreement to Use of Personal Information

By using Motito, you ("User") consent to the following: before accessing certain features of the service, we will present you with a clear and prominent disclosure outlining the collection, transmission, processing, and use of your personal information for legitimate business purposes as described in this Privacy Policy. You will have the option to either accept or decline providing consent.

We assure you that all information provided by you is treated with utmost confidentiality. In the event of any misrepresentations or falsity, we reserve the right to take appropriate action. You authorise Motito to verify and investigate the provided information as required, from the references provided and other reasonable sources. For this purpose, you waive your rights regarding the confidentiality of client information and expressly consent to the processing of any personal information and records relating to you that might be obtained from third parties, including government agencies, your employer, business associates, and other entities Motito may deem proper and sufficient in the conduct of your business, sensitive or otherwise, for the purpose of determining your eligibility for a plan for which you are applying.

If you decide to decline consent or revoke any permissions, the service will gracefully degrade its functionality, allowing you to continue using Motito with limited features. We are committed to ensuring a transparent and user-friendly consent process.

3. Scope of Policy

This Privacy Policy applies to your use of:

The Motito website and any associated web applications ("Platform"), accessible at motito.co and shop.motito.co.
Any of the services accessible through the Platform, including PaySmallSmall, Keep My Price, Pay4Me, and related features ("Services").

4. Information We Collect

We collect personal information from customers when they sign up for our services, including their name, contact information, financial information, and images. Images could be a selfie 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. 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 sign-up, we may also collect:

Device information, such as IP address, device type, and operating system
Location information, such as GPS data or IP address
Information about customers' transactions and usage of our services
Payment history and instalment records
Information from partners, such as merchants where customers have used our services

5. Use of Information

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

Improve our products, services, and your user experience
Verify customers' identities and prevent fraud
Process transactions and send receipts
Contact you regarding your account or send you system alert messages
Communicate with customers about their account and transactions
Provide customer support
Improve our website and platform
Calculate RepScore and assess plan eligibility
Meet legal requirements or respond to lawful requests by authorities
Prosecute and defend our rights in a legal proceeding or enforce compliance with any agreement with us

6. Disclosure of Your Information

We may disclose your personal information in the following circumstances:

With your explicit consent: We will only share your personal information outside of Motito after obtaining your explicit consent.
With trusted partners and service providers: We may share your personal information with our affiliates, trusted businesses, or individuals for processing purposes, following our instructions and in compliance with our Privacy Policy, and ensuring appropriate confidentiality and security measures.
For legal reasons: We will share personal information if required or permitted by law, such as complying with regulations, legal processes, or enforceable governmental requests; enforcing our Terms of Service; detecting, preventing, or addressing fraud, security, or technical issues; or protecting the rights, property, or safety of Motito, our users, or the public.
Sharing non-personally identifiable information: We may share non-personally identifiable information publicly and with our partners, such as developers, rights holders, or other third parties assisting us in providing our services.
Business transfers: In case of a merger, acquisition, or sale of assets, we will continue to protect the confidentiality of your personal information and notify affected users before personal information is transferred or becomes subject to a different privacy policy.

7. Consent

By accepting Motito's privacy terms, you agree to the collection, processing, and sharing of your personal information for legitimate business purposes, including but not limited to determining your eligibility for plans and services. We will always seek your explicit consent before using your personal information for purposes not specified in this Privacy Policy or sharing your personal information with any third party. We are committed to respecting your privacy and ensuring your personal information is collected and shared only with your explicit consent.

8. Data Storage

We store personal information on servers 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 unauthorised access.

9. 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 anonymise personal information that is no longer needed for these purposes.

10. Data Deletion Requests

If you want us to delete your Motito account or any personal data we hold about you (including data collected through Motito PaySmallSmall, WhatsApp, Instagram, or other channels), please email hello@motito.co.

Include your full name, phone number, and any relevant details. Once we verify your identity, we will delete or anonymise your data unless we are required to keep certain records for legal or regulatory reasons.

11. Security

We take reasonable measures to protect personal information from loss, misuse, and unauthorised 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 platform is protected by secure socket layer (SSL) encryption.

12. 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.

13. Information We Receive From Others

We may receive personal information from other sources, such as 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.

14. 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 unauthorised 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.

15. 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.

16. Contact

For questions or concerns about this Privacy Policy or your personal data, please contact us at hello@motito.co or through our WhatsApp support.