Your privacy matters

At Moola, we believe privacy is a fundamental human right. As such, we are committed to ensuring your personal information is protected, handled with discretion, and is never misused.

Our Privacy Policy is part of our commitment to recognizing your right to privacy. We have made it easy to understand at a glance what information we collect, what we use it for, and how we use it.

You can also find the full document below for your review which includes the control you have over your personal information and the procedures we have in place to protect it. Our Privacy Policy works in conjunction with our Terms of Service.

What we use your information for

Moola’s Privacy Policy

Last Updated: April 11, 2022.

At Moola Inc. (“Moola”, “we”, “our”), your privacy is important to us. We have created this Privacy Policy to cover:

1. the information we collect, use and share about you when you use the various mobile or web services or mobile or web software owned, controlled, or offered by Moola, including the Moola App (the “Services”) and why we collect it;
2. how we use and share that information; and
3. some of the features that we have built into the Services to protect your privacy.

This Privacy Policy, as updated from time to time, is incorporated into and is subject to our Terms of Service. Your use of the Services indicates your consent to this Privacy Policy and our Terms of Services. If you do not want to be bound by these agreements, you may not use our Services. Any capitalized terms not defined in this Privacy Policy have the meaning given in the Terms of Services.

We work very hard to preserve your privacy and security, and we do our best to be as transparent as possible in explaining how we use your data in providing our Services. Please contact us if you have any questions at privacy@moola.com

Information We Collect

We collect information from you in the following ways:

1. Information that is provided automatically through your device (“Logged Information”)

Logged Information is device-specific information such as your hardware model, operating system version, unique device identifiers, browser, language, and wireless or mobile network information, if applicable; and the date and time that you submit data to us or receive data from us.

2. Information that you manually submit to us (“Submitted Information”)

When you register for an account, you will have the option to register using your Facebook account or your Gmail account, or to register through a separate Moola account. When you register a separate Moola account, we receive your phone number and email address, and other personal information that we ask for and that you provide and we receive. We also ask for, and you may at your discretion provide, other personal information, such as your birthday or shopping preferences.  Depending on your settings, we may also collect information about your location through your device’s GPS functionality.

3. Information from third-party providers (“Third-Party Information”)

If you create your account or log in to your account using Facebook or Gmail, you will be forwarded to their respective login pages to connect to your Facebook or Gmail profile (note that your login information is not disclosed to us). Once you are logged in, you will be asked to connect your Facebook or Gmail profile with your Moola account. You will also be notified about what information from your Facebook or Gmail profile will be visible and available to Moola. This is the “Third-Party Information” that we collect, and it includes personal information that you have submitted to Facebook or Gmail and depending on your settings, may also include personal information about your friends or information that Facebook or Gmail has determined about you based on your use of their services. If you do not want Moola to have access to this information, we suggest that you create a separate Moola account and refrain from logging into our Services via Facebook or Gmail.

4. Information that you provide about third parties (“Recipient Information”)

In connection with Moola+, our B2B online marketplace, Business Members may provide us with the names and email addresses of the intended recipients of the Cards purchased through such program. Prior to providing Moola with any Recipient Information, Business Members must obtain the consent of the applicable Recipient to disclose such Recipient’s personal information to Moola. We may store and use the Recipient Information as necessary to deliver Codes for the Recipient to claim its Purchased Cards. Recipients must register an Account and agree to the terms of this Privacy Policy to claim Purchased Cards.

5. Information about your use of Services (“Use Information”)

In addition to Logged Information, we also collect information about your use of our Services, including, but not limited to:

• information about the Cards that you store on the Moola app, such as the name of the Card Merchant, the dollar value of the Card, and barcode number
• the number and type of transactions that you make, and for what amounts;
• your frequency of use, including how long you spend on the Moola App, or the length of your sessions; and
• Point of Sale provider information, such as barcode type and contact information.

The Logged Information, Submitted Information, Third-Party Information, Recipient Information, and Use Information, together, are the “Collected Information”.

How We Use the Information

Provide, improve and develop our Services

We compile statistics (the “Aggregate Data”) based on the Collected Information. Aggregate Data does not include information that is personally identifiable to you. We use both Collected Information and Aggregate Data to deliver and enhance our Services, including through personalization of our Services. For example, based on your Collected Information, we might show you offers that you are more likely to enjoy based on your preferences.

Communicate with you

We may use the Collected Information to keep you posted on Moola’s latest product announcements, sales, promotional offers, software updates, and any messages you have waiting on Moola.

Modification or Removal or Personal Information

Applicable privacy laws may give you the right to review the personal information we keep about you (depending on the jurisdiction, this may be called right of access, right of portability, or variations of those terms). You can request a copy of your personal information by contacting privacy@moola.com. If you believe that the information we hold about you is inaccurate or that we are no longer entitled to use it and you want to request its rectification or deletion you may do so by contacting privacy@moola.com.

For your protection and the protection of all of our users, we may ask you to provide proof of identity before we can provide you with a copy of your personal information or rectify or delete your personal information.

We may reject requests for certain reasons, including if the request is unlawful or if it may infringe on trade secrets or intellectual property, or the privacy of another user. We may not be able to accommodate certain requests to object to the processing of personal information, notably where such requests would not allow us to provide our service to you anymore.

Related Party, Sale, etc.

Our systems may allow access to the Collected Information with our related companies, including our parent company, affiliates, or subsidiaries who are also required to honor this Privacy Policy. We may share personal account, device, and payment information with a third-party fraud prevention service to promote the safety, security, and integrity of our Services and to protect you and our other customers from harmful conduct. 

We may at our discretion share or sell the Aggregate Data with our merchants, partners, vendors, service providers, or other business entities for business or commercial reasons.

If another company acquires our business or assets, that company will have the Collected Information and the Aggregate Data and will assume the rights and obligations regarding such information as allowed by this Privacy Policy. 

Safety and Security Features

We store, use, and maintain the Collected Information and Aggregate Data using procedures designed to limit its loss, theft, or unauthorized access, use, modification, copying, or disclosure.

When you enter your login authentication on Moola, we encrypt the transmission of that information between the app and the server. We provide physical, electronic, and procedural safeguards to protect the Collected Information and Aggregate Data. For example, we limit access to this information to authorized employees who need to know that information in order to operate, develop, or improve our Services. As well, when applicable, we have contracts in place with our third-party suppliers that obligate such suppliers to protect the confidentiality of the Collected Information and Aggregate Data. You are also responsible for helping to protect the security of your information and having a strong password that you’ve not used in other places is important.

When This Policy Applies

Our Privacy Policy applies to all the Services offered by Moola, its parent, subsidiaries, and affiliates.

Changes and Updates to this Privacy Policy

We may change this Privacy Policy periodically with or without notice to you and this will be reflected by the “Last Updated” date above. Please revisit this page to stay aware of any changes. Your continued use of the Services constitutes your agreement to this Privacy Policy and any amendments.

Privacy Questions

If you have any questions, comments, complaints, or suggestions, please contact our Privacy Officer at privacy@moola.com.