Privacy Policy

Last Updated: November 16, 2023

At Maillet, we take data privacy very seriously. We aim to be completely transparent about the information we store, how we use it, and how we protect it.

Moneroo is provided as a SaaS by Axa Zara LLC, an American legal entity registered in Delaware under number 7814835.

For any access requests, questions, or inquiries about how we use your personal information, please contact us at [email protected]

Axa Zara LLC and its subsidiaries (collectively, "Axa Zara") do not take for granted the trust you place in them by entrusting your information. Our users' privacy is important to us, and we are committed to protecting it.

That's why this privacy policy explains the personal information we collect, the reasons we collect it, and what we do with it.

Overview

This privacy policy outlines your privacy rights regarding how and when we collect, use, store, share, and protect your information on our website, platforms, APIs, software applications ("Apps"), email notifications, and tools, regardless of how you use or access them.

Definitions

The following terms used in this privacy policy have the following meanings:

Account: refers to a Moneroo account
Cookies: A cookie is a small data file that is transferred to your computer or mobile device. It allows us to remember your account login information, IP addresses, web traffic, number of visits, type and version of the browser, device details, date and time of visits.
Axa Zara refers to Axa Zara LLC and its subsidiaries or affiliated companies.
Personal Information: Any information that can be used to identify a living person, including email address, company name, password, financial information such as bank account number, etc., government-issued ID. It may also be anonymous information linked to you, for example, your Internet Protocol (IP), your login information, your address, your location, your device, or your transaction data.
Sites: any platform, including but not limited to, mobile applications, websites, and social media platforms.
User: refers to a person who uses the services or accesses the sites and has agreed to use Axa Zara's final services
Special Categories of Personal Information: details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data.
Affiliate: An entity that controls, is controlled by, or is under common control with another entity, where “control” implies ownership of 50% or more of the voting shares or similar interests.
Business (CCPA/CPRA context): Axa Zara LLC, responsible for collecting and processing personal information of consumers in California.
CCPA/CPRA: California Consumer Privacy Act and California Privacy Rights Act of 2020.
Company: Axa Zara LLC, 16192 Coastal Highway Lewes, DE 19958, also referred to as “We”, “Our”, or “Us”.
Consumer (CCPA/CPRA context): A resident of California as legally defined.
Country: Delaware, United States.
Data Controller (GDPR context): The Company, determining the processing of Personal Data.
Device: Any device that can access the Service, such as a computer, a mobile phone, or a tablet.
Do Not Track (DNT): A concept for internet users to control the tracking of their online activity, promoted by the U.S. FTC.
GDPR: EU General Data Protection Regulation.
Personal Data: Information related to an identifiable individual.
Service: The Website.
Service Provider: Third party processing data on behalf of the Company, also considered Data Processors under the GDPR.
Usage Data: Data collected automatically through the use of the Service or its infrastructure (e.g., duration of a page visit).
Website: Moneroo, available at https://www.moneroo.io
You: The individual or legal entity using the Service. Under GDPR, also known as the Data Subject or User.

Objective

This privacy policy statement aims to provide all individuals and organizations whose personal data we hold with a description of the types of personal information we collect, the reasons why we collect this personal information, the other parties with whom we may share it, and the measures we take to protect data security.

Information We May Collect From You

Information you provide us: These details may be provided by filling out forms on our website, or by corresponding with us by email, live chat, telephone, or other means. This includes information provided when you register for our service, responding to surveys we send to you, and when you contact us for any reason. When registering for our service, we will ask for a range of information necessary to set up your account and engage one or more of our email service providers to manage your emails. If you contact us, we may keep a record of any information contained in the correspondence.
Information about your visits to our website: At each visit, we will collect your IP address. This information is used for fraud detection and abuse.
Data collection for retargeting: See the 'Retargeting' section below for more details.
Payment Information: When using our paid service, you will be asked to provide financial details such as credit/debit card information. The processing of these payments is carried out by our payment processor, Moneroo. We do not store any credit or debit card information on our servers. Moneroo, as a payment orchestration service, ensures the security and confidentiality of transactions, collaborating with various payment service providers.

How Do We Use Your Personal Information?

We use the information we hold about you for the following purposes:

To provide you with information or services that you request from us, including to respond to any requests for assistance with the service.
To send you newsletters about our service and inform you of any changes to the service.
To fulfill our obligations arising from any contract entered into between you and us.
For the administration of our website and for internal operations, including troubleshooting.
To help optimize and develop our service, for example through statistical analysis and research on your use of our service.
As part of our efforts to maintain the security of our website, and to monitor actual or suspected fraudulent activity.
To determine your regional location for the purpose of recommending a billing currency.
To carry out retargeting advertising (see the 'Retargeting' section below).

Retargeting

Our website uses retargeted advertising provided by Facebook and Google. As a result, you may see advertisements for our services on other sites such as Facebook. This happens in two ways:

Via a Cookie or Pixel: Our retargeting provider will read a cookie already present in your browser, or place an anonymous cookie or 'pixel' in your browser when you visit our site. This can only happen if your browser is configured to allow it – you can control your settings in your browser to stop this.
Using your Email Address: This retargeting method uses your email address to associate advertisements with you when you navigate on other sites. This involves sharing your email address with Facebook and Google. This form of retargeting is generally used to inform you of new features added to the platform.
We also use Facebook to ensure we do not present certain advertisements to our existing customers. This also involves sharing your email address with Facebook.

Security and Data Retention

At Axa Zara LLC, the security of your personal data is a top priority. We are committed to safeguarding the information we collect. Administrative and technical measures are in place to protect your personal data against loss, theft, unauthorized access, as well as against the risks of disclosure, copying, misuse, or modification.

Among our security measures, we use secure servers, firewalls, data encryption, and access to information is strictly limited to employees within the scope of their duties.
For the security of your accounts, it is crucial to keep your password secret and not share it with anyone.
We adhere strictly to these principles to ensure the confidentiality and protection of your personal data. However, it is important to note that the transmission of information over the Internet is never entirely secure, and we cannot guarantee absolute security of data transmitted online. Nevertheless, we take all reasonable precautions to ensure the security of your personal data.
We retain your personal data on our servers only for the period necessary to provide our services. After closing your account, your information is retained as needed to comply with legal obligations, as well as for control, fraud detection, and prevention purposes. The storage of your personal data is done in accordance with the legal retention periods established by applicable legislation.

Disclosure of Your Information

We do not sell, rent, or share your personal information with third parties for marketing purposes without your express consent. We may disclose your personal information to third parties in the following circumstances:

Disclosure to service providers: We may disclose your personal information to third-party service providers who provide us with services such as hosting and maintaining the platform, data analysis, payment processing, infrastructure, customer service, email delivery, auditing, and other similar services.
Disclosure to comply with the law: We may disclose your personal information if required by law or if we believe in good faith that it is necessary to: (a) comply with a legal obligation, (b) protect and defend our rights or property, (c) act in an emergency to protect the personal safety of users of the service or the public, or (d) protect against legal liability.
Disclosure to enforce an agreement: We may disclose your personal information if we believe it is necessary to enforce or apply our terms of use and other agreements, or to protect the rights, property, or safety of the Company, our employees, our users, or others.
Disclosure to affiliates: We may disclose your personal information to our affiliates or to third parties as part of the sale, assignment, or restructuring of our business, in whole or in part.
Disclosure with your consent: We may disclose your personal information to third parties for any other reason with your consent.
During business transitions: In the event that Axa Zara undergoes a merger, sale, acquisition, reorganization, or liquidation, the information we have collected about you may be transferred to a third party as a business asset.

Marketing

We use your personal information to send you marketing materials about our products, services, and surveys. You can opt out of marketing communications, but you may still receive transaction-related messages. We may ask for permission to send notifications, but our services operate without them.

Your Rights and Choices in Data Protection

Depending on your location and applicable laws, you have specific rights regarding your personal information:

Right to be Informed: You have the right to know how we use your personal information.
Right of Access: You can access your personal information or request copies of it by logging into your account or contacting us.
Right to Erasure: You can ask us to erase your personal information under certain conditions. Exceptions apply if the law requires us to retain data or if we need to keep a set of your data for non-commercial purposes.
Right to Rectification: You have the right to correct or update any inaccurate or incomplete personal information.
Right to Object to Marketing: You can unsubscribe from marketing communications through the settings in your account or the unsubscribe link in our emails.
Right to Object to Processing: You can object to the processing of your personal information in specific circumstances. Note that this may affect our ability to provide you with services.
Other Uses: We may use your information for legal rights, compliance with laws, data analysis, and service improvement purposes. We will provide you with specific notice when collecting data for other purposes.
Consent Basis for Processing: Our processing of your personal information is based on your consent, which you can withdraw at any time.
Account Deactivation: You can deactivate your account at any time. Contact us at [email protected]
To exercise your rights, contact us as indicated in the Contact Us section. For security reasons, we may ask for identity verification.

We use cookies to distinguish users and improve our services. You can control cookie settings in your browser, but disabling cookies may limit the functionality of the website.

Policy on Minors

Axa Zara's websites and applications are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us as indicated in the Contact Us section to resolve the issue.

International Data Transfers

Our global operations mean that your personal information may be stored and processed in any country where we operate. Transfers may occur to countries with different data protection laws. We take reasonable steps to ensure the security of your data and comply with applicable laws and standard contractual clauses during international transfers.

We may update this privacy policy periodically to reflect new services or changes. Updates will be posted on this page. If significant changes affect you, we will inform you online or by mail. Continued use of our services implies acceptance of these amendments.

All access requests, questions, comments, complaints, and other inquiries regarding the privacy policy should be sent to [email protected]