MoiPay, operated by Rubaai Technologies (Pvt) Ltd, respects your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data when you use our MoiPay mobile app, merchant portal, and website.
1. What Information We Collect
- Identity Data: Name, NIC/passport, gender, date of birth
- Contact Data: Phone number, email, address
- Financial Data: Bank account details, wallet balances, biller information
- Transactional Data: Bill payments, QR scans, recharges, donations, CRIB reports
- Device Data: OS, device ID
2. How We Use Your Data
- Facilitate financial transactions (wallet, QR, bills, donations, loans, taxation)
- Verify your identity (KYC, CRIB checks)
- Comply with legal obligations (e.g., Anti-Money Laundering)
- Offer personalized features and services
- Communicate updates and offers via SMS, push notifications, or email
3. Data Sharing & Disclosure
We may share your data with:
- Licensed banks and LankaPay network (e.g., JustPay, CEFT)
- CRIB (Credit Information Bureau)
- Government and regulatory authorities (as required by law)
- Telecom operators for mobile recharges
- Third-party service providers under strict confidentiality
We do not sell your data to advertisers or other third parties.
4. Data Retention & Security
- We retain your data as long as your account is active or as required by law
- Data is stored on secure cloud servers with encryption
- Access is restricted to authorized personnel under strict controls
- We follow the Sri Lanka Personal Data Protection Act, No. 9 of 2022
5. Your Rights
- Request access to your personal data
- Request corrections to incorrect data
- Request account/data deletion (subject to financial clearance)
- Withdraw consent for marketing at any time
6. Children's Privacy
MoiPay is not intended for users under the age of 18. We do not knowingly collect data from children.
7. Changes to This Policy
We may update this Privacy Policy. The latest version will always be available at https://moipay.lk/privacy-policy.
8. Contact Us
For questions, requests, or complaints: