Privacy Policy
Last Updated: June 20, 2026
At MonzoReserve, protecting your financial data is our highest priority. We believe your data belongs to you. This policy explains how we collect, use, and safeguard your information.
1. Information We Collect
- Personal Identification Data: Full name, email address, physical address, date of birth, and government-issued ID numbers (required for KYC).
- Financial Data: Transaction history, account balances, routing numbers, and connected external bank accounts.
- Technical Data: IP addresses, browser types, device identifiers, and login timestamps to detect and prevent fraud.
2. How We Use Your Information
We strictly use your data to provide, secure, and improve our banking services. This includes processing transactions, providing customer support, generating real-time analytics for your dashboard, and complying with international anti-money laundering (AML) laws.
3. Data Sharing and Third Parties
We do not sell your personal data to advertisers. We only share data with trusted third parties essential to our operations, such as:
- Identity verification networks.
- Payment processing gateways and clearinghouses.
- Law enforcement agencies (only when compelled by a valid legal subpoena).
4. Bank-Grade Security
All data transmitted between your device and our servers is secured via TLS 1.3 encryption. Data at rest, including your personal identification and password hashes, is protected using AES-256 encryption. We employ active network monitoring to block unauthorized access attempts instantly.
5. Your Data Rights
Depending on your jurisdiction, you have the right to access the data we hold about you, request corrections to inaccurate data, and request the deletion of your account and associated data (subject to legal data retention requirements for financial institutions).