Privacy Policy

A legal disclaimer

Last updated: 07 November, 2025

MonEsmart Pty Ltd (ABN 661773388) (“MonEsmart”, “we”, “our”, “us”) is committed to protecting

the privacy of personal information in accordance with the Privacy Act 1988 (Cth) and the Australian

Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, store, and disclose personal information when you

use our mobile app, website, and services (Services). By using our Services, you agree to this

1. Personal Information We Collect

• Full name, date of birth, address

• Email and phone number

• Bank account and card details for deposits and withdrawals

• Device information: IP address, device identifiers, OS, location data

• Biometrics for authentication (facial/fingerprint recognition)

We do not collect sensitive or government ID data.

2. How We Collect Information

• User input forms in app/website

• API integrations with financial institutions

• Device permissions (camera, location, biometrics)

• Cookies and analytics tracking

3. Why We Use Information

• Identity verification and fraud prevention

• Make and receive payments

• Customer support and service improvements

• Usage analytics and marketing communications

4. Sharing Information

We share information with third parties including:

• Commercial banks

• Stripe (payment processing)

• AWS & Google Cloud (secure cloud hosting)

• Regulatory authorities where required by law

We do not sell personal information. No cross-border transfers currently occur.

5. Marketing Communications

We may send emails, push notifications, and SMS messages. Users may opt out anytime.

6. Cookies & Tracking

We use cookies to maintain secure sessions, improve performance, and analyse usage. Cookie

consent is requested where legally required.

7. Security

We implement strong protections including:

• Encryption in transit and at rest

• Multi-factor authentication

• Biometric access options

• ISO27001-certified providers

8. Data Retention

We retain personal information during account lifecycle and as required to comply with laws. Data

no longer required is securely deleted or de-identified.

9. Access, Correction & Deletion

Users may access, update, or delete data through the app or by contacting us. Some limits apply

due to compliance obligations.

10. Complaints

escalated to the Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au | 1300

363 992

11. Changes to This Policy

Updates may occur and will be posted in-app and on our website.

12. Contact

MonEsmart Pty Ltd — Privacy Officer: Dixon Kumis

65 Bisschop Street, Deception Bay, QLD 4508

Email: info@monesmart.com | Phone: 0455 670 896