Last Updated: April 6th, 2023
Motito Inc. (referred to as "Motito Inc.", "Motito Paylater" or "Motito") is a Buy Now, Pay Later services registered in Delaware with a subsidiary in Ghana, where we conduct our operations. We provide an online lending service which is use to purchase physical or tangible assets, and this service is primarily available through our mobile application and website, http://www.motito.co. At Motito, we are committed to protecting the privacy of our customers who use our 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. You should read this Privacy Policy in its entirety.
By using Motito, you ("User") consent to the following: Before accessing certain features of the app, 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 Statement. 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 authorize 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, credit bureaus, 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 loan for which you are applying. If you decide to decline consent or revoke any permissions, the app will gracefully degrade its functionality, allowing you to continue using Motito with limited features. This may involve disabling specific features that require permissions or the use of relevant data. We are committed to ensuring a transparent and user-friendly consent process in compliance with Google Play's User Data policy and best practices.
This Privacy Policy applies to your use of: 1. Motito mobile application software (“App”) available on our site or hosted on the Google Play Store (“App Site”), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (“Device”). 2. Any of the services accessible through the App which are available on the App Site or other sites of ours (“Services Sites”).
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 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 the sign-up process, we may also collect information about customers when they use our services. This information may include:
We use the personal information we collect to provide and improve our services, including to:
We may disclose your personal information in the following circumstances:
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 creditworthiness. 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.
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.
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.
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.
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.
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.
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.
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.
