Privacy Policy

Definitions and Scope

In this Policy, "user" or "you" refers to any person who visits the mospay website and application or creates an account. "Personal information" means any information that can directly or indirectly identify you, such as your name, email address, mobile number, financial transaction details, and so on.

This Policy has been prepared in accordance with the applicable laws and regulations of Bangladesh. All users who register on the mospay platform and use its services are required to follow this Policy. mospay's Terms and Conditions and this Privacy Policy should be read together; they complement each other.

Types and Sources of Information Collected

mospay collects your information in several ways. The main categories are listed below:

2.1 Information You Provide Directly

Information you provide yourself during registration and account management is collected:

• Full name, date of birth, and national identity card details
• Email address and mobile number
• Payment information related to deposits and withdrawals (for bKash, Nagad, Rocket, Upay, or bank transfers)
• Details you provide when seeking support via live chat or email

2.2 Automatically Collected Information

Certain technical information is recorded automatically while you use the mospay platform:

• IP address, browser type and version
• Device type (mobile/desktop), operating system
• Time spent on the platform, pages visited, and links clicked
• Session logs and server log files

2.3 Information Collected from Third Parties

On occasion, additional information about you may be received from payment partners or identity verification services, but this is used solely for account verification and security purposes.

Purpose of Using Your Information

mospay uses the information it collects for the following purposes:

• Account creation and management: To complete the registration process and ensure account security.
• Identity verification: To confirm eligibility for services and the age requirement (21+).
• Transaction processing: To correctly complete deposits and withdrawals.
• Customer support: To provide support in Bengali and English via live chat and email.
• Fraud prevention: To identify suspicious activity and protect accounts.
• Service improvement: To analyse user experience and raise the quality of the platform.
• Legal compliance: To maintain records as required by applicable law.

mospay never sells your information to third parties. However, limited information may be shared with payment processing partners or technology providers as needed to operate the service, and only within the scope of the relevant service.

Data Storage and Security

mospay applies industry-standard technical and procedural measures to keep your personal information secure.

4.1 Encryption and Technical Safeguards

Your information is transmitted using SSL (Secure Socket Layer) encryption. Stored data is also kept in an encrypted state. Firewalls and access controls are in place to prevent unauthorised access to servers.

4.2 Data Retention Period

Information is retained for as long as the account is active and for as long as necessary after the service ends to meet legal obligations. When no longer needed, information is securely deleted or anonymised.

4.3 Access Controls

Only authorised staff may access personal information, and only to carry out specific responsibilities. All staff are bound by confidentiality agreements and receive regular security training.

Cookies and Tracking Technologies

The mospay platform uses cookies and similar technologies to provide a smooth and personalised experience.

5.1 Essential Cookies

These cookies are required to keep login sessions active, manage security tokens, and run the platform's basic functions. They cannot be disabled.

5.2 Functional Cookies

These cookies are used to remember your preferred language, theme, and settings. Disabling them may limit certain features.

5.3 Analytical Cookies

Analytical cookies are used to understand which sections of the platform are used most and to improve the quality of the service. The data collected is aggregated and anonymous.

You can control or delete cookies from your browser settings, but disabling certain cookies may cause some parts of the platform to not work correctly.

Sharing Information with Third Parties

mospay does not sell or rent your personal information for commercial purposes. Limited information may be shared with third parties only in the following circumstances:

• Payment processing: To complete transactions via bKash, Nagad, Rocket, Upay, or bank transfer.
• Identity verification: To complete the KYC (Know Your Customer) process in accordance with regulatory guidance.
• Technology providers: For server hosting, cloud storage, and cybersecurity services; however, these providers may not share the information with anyone else.
• Legal obligations: In response to a court order or a lawful request from a government authority.
• Fraud prevention: With the relevant authorities to investigate fraudulent activity.

Our agreements with any third-party partners include clear data protection terms.

User Rights

Every user registered on mospay has the following rights regarding their personal information:

7.1 Right to Access

You can contact our support team at any time to find out the details of the information we hold about you.

7.2 Right to Correction

If your information is incorrect or outdated, you can request a correction through account settings or via the support team.

7.3 Right to Deletion

In certain cases you may request that your information be deleted. However, information related to legal obligations or ongoing transactions may need to be retained.

7.4 Right to Object to Processing

You may object to marketing communications or certain types of data processing. Such requests can be sent to our support team by email.

Protection of Minors' Information

The mospay platform is for persons aged 21 and over only. We do not knowingly collect information from minors. Age verification is in place during the registration process.

If a person under the age of 21 has registered using false information and this is brought to our attention, the relevant account and any collected information will be deleted immediately. You can read more about this in our Responsible Gaming Guidelines.

International Data Transfers

Some of mospay's technical services may be operated on servers located outside Bangladesh. In such cases, data transfers are carried out in accordance with international data protection standards, and the receiving party is also required to ensure an equivalent level of protection.

Wherever your information is stored, mospay is responsible for its security. Even when information is held on third-party servers, it remains governed by this Privacy Policy.

Policy Changes and Notice

mospay reserves the right to update this Privacy Policy as needed. When an important change is made:

• A notice will be displayed on the platform
• A notification may be sent to your registered email or mobile number
• The "Last Updated" date at the top of this page will be changed

Continuing to use the platform after a change means you agree to the new Policy. We recommend visiting this page regularly to stay up to date with the latest Policy.

Contact and Complaints

If you have any questions, concerns, or objections about this Privacy Policy, please get in touch with us. mospay provides support in both Bengali and English, 24 hours a day, seven days a week.

11.1 How to Contact Us

• Live Chat: Direct chat support is available from any page on the platform.
• Email: [email protected] — please use the subject line "Privacy Request" for privacy-related matters.

11.2 Complaints Process

Upon receiving a complaint related to data protection, mospay will review it within a reasonable time and respond to you in writing. We believe all complaints can be resolved through direct discussion.

To learn more about mospay, visit our About Us page.