Privacy Policy

1. Introduction

At MyMoolah, we are committed to protecting your personal information and ensuring your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal data in compliance with the Protection of Personal Information Act, 2013 (POPIA) of South Africa and the General Data Protection Regulation (GDPR) of the European Union.

 

2. Information We Collect

We may collect the following types of personal information:

• Personal Identification Information: Name, surname, date of birth, and identification number.
• Contact Information: Email address, phone number, and physical address.
• Financial Information: Bank account details and transaction history.
• Technical Information: IP address, browser type, and browsing behavior on our website.

 

3. How We Collect Information

We collect personal information through:

• Direct Interactions: When you register on our website, complete forms, or contact us directly.
• Automated Technologies: Through cookies and similar tracking technologies when you use our website.

 

4. Purpose of Processing

We process your personal information for the following purposes:

• Service Delivery: To provide and manage our financial services.
• Communication: To send updates, respond to inquiries, and provide customer support.
• Compliance: To adhere to legal and regulatory requirements.
• Marketing: To inform you about our products, services, and promotions, subject to your consent, and to measure the effectiveness of our advertising (see section 11).

 

5. Legal Basis for Processing

Our processing of your personal information is based on:

• Consent: Where you have provided explicit consent.
• Contractual Necessity: To fulfill our contractual obligations to you.
• Legal Obligation: To comply with applicable laws and regulations.
• Legitimate Interests: To pursue our legitimate business interests, provided they do not override your rights.

 

6. Data Sharing

We may share your personal information with:

• Service Providers: Third-party vendors who assist in our operations, under strict confidentiality agreements. For our AI phone support line, see section 7A.
• Advertising partners: With your consent, Meta Platforms (Meta Pixel) and LinkedIn (LinkedIn Insight Tag), for ad measurement. See sections 6 and 11.
• Regulatory Authorities: When required by law or regulatory obligations.
• Business Partners: With your consent, for joint marketing initiatives.

When you sign up through one of our adverts, we share limited information with Meta Platforms so that we can measure how well our adverts work. This is your email address and phone number in scrambled (hashed) form, an internal reference number, the advert click ID, your IP address and your device or browser type. Meta may process this outside South Africa under its business terms. We don’t share your ID number, balances or transactions. You can opt out at any time in the wallet or by emailing legal@mymoolah.africa.

LinkedIn. When you sign up or ask for a demo after clicking one of our LinkedIn adverts, we share limited information with LinkedIn so we can measure how well our adverts work: your email address in scrambled (hashed) form, the advert click ID, your IP address and an event reference. We do this in our legitimate interest in measuring our advertising. LinkedIn may process this information outside South Africa under its advertising and data-processing terms, which protect it to a standard similar to POPIA. We never share your ID number, balances or transactions. You can object at any time in the wallet or by emailing legal@mymoolah.africa, and we will stop.

 

7. International Data Transfers

If we transfer your personal information outside of South Africa or the European Economic Area (EEA), we will ensure appropriate safeguards are in place to protect your data in accordance with POPIA and GDPR requirements.

When you sign up through one of our adverts, we share limited information with Meta Platforms so that we can measure how well our adverts work. This is your email address and phone number in scrambled (hashed) form, an internal reference number, the advert click ID, your IP address and your device or browser type. Meta may process this outside South Africa under its business terms. We don’t share your ID number, balances or transactions. You can opt out at any time in the wallet or by emailing legal@mymoolah.africa.

LinkedIn. When you sign up or ask for a demo after clicking one of our LinkedIn adverts, we share limited information with LinkedIn so we can measure how well our adverts work: your email address in scrambled (hashed) form, the advert click ID, your IP address and an event reference. We do this in our legitimate interest in measuring our advertising. LinkedIn may process this information outside South Africa under its advertising and data-processing terms, which protect it to a standard similar to POPIA. We never share your ID number, balances or transactions. You can object at any time in the wallet or by emailing legal@mymoolah.africa, and we will stop.

 

7A. AI Phone Support Line

When you call our support line on 021 300 0537, your call is answered by an AI assistant named Thandi. Calls to this line are recorded. You can ask to speak to a person; calls are transferred to our team between 09:00 and 17:00. Please never share your PIN, OTP or password on a call.

Purpose: We process call recordings and transcripts to answer your support queries and for quality assurance.

Service providers and international transfers: To provide this service, our service providers process call data outside South Africa:

• Hostinger, in France, which hosts our voice service.
• Groq, in the United States, for speech and AI processing.

These transfers are made under written data processing agreements that give protection substantially similar to POPIA, as section 72(1)(a) of POPIA requires, including the EU standard contractual clauses.

Retention: We keep call audio for 90 days and call transcripts for 12 months. Where a call relates to a complaint or suspected fraud, the relevant records are kept with the support ticket until the matter is closed, and then for as long as the law requires.

Your rights: Under sections 23 to 25 of POPIA, you may ask us to confirm whether we hold personal information about you, request access to it, and request its correction or deletion. To exercise these rights, please contact our Information Officer at legal@mymoolah.africa.

Information Officer: André Botes, registered with the Information Regulator (registration number 2026-069735). Email: legal@mymoolah.africa.

Complaints: You have the right to lodge a complaint with the Information Regulator:

• Email: POPIAComplaints@inforegulator.org.za (general enquiries: enquiries@inforegulator.org.za)
• Phone: 010 023 5200 (toll free: 0800 017 160)
• Address: Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191

 

8. Data Security

We implement technical and organisational measures to protect your personal information against unauthorised access, loss, or destruction.

 

9. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. Call recordings and transcripts are kept as set out in section 7A.

 

10. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you.
• Rectification: Request correction of inaccurate or incomplete data.
• Erasure: Request deletion of your personal information under certain conditions.
• Restriction: Request limitation of processing your data.
• Objection: Object to processing based on legitimate interests or for direct marketing purposes.
• Data Portability: Request transfer of your data to another service provider.

For rights relating to calls to our support line, see section 7A. To exercise these rights, please contact us at legal@mymoolah.africa

 

11. Cookies and Tracking Technologies

We use cookies and similar technologies (such as pixels and local storage) on mymoolah.africa and in the MyMoolah wallet (wallet.mymoolah.africa). We group them as follows:

• Necessary: needed for the site and wallet to work, for example security, sign-in and saving your cookie choice. These are always on, because we cannot provide the service without them.
• Analytics: help us understand how visitors use our site so we can improve it. Used only with your consent.
• Marketing: used only with your consent. These include the Meta Pixel, provided by Meta Platforms (Meta Platforms Ireland Limited and Meta Platforms, Inc.). When you consent, the Meta Pixel collects information such as the pages you visit, your browser and device details, your IP address, and actions such as starting or completing wallet registration. We use it to measure how well our Facebook and Instagram ads work and to show our ads to relevant audiences. We do not send your name, ID number, phone number, email address or balances through the Pixel. We do not use the Meta Pixel on signed-in wallet screens.
• LinkedIn Insight Tag (marketing). Set by LinkedIn on mymoolah.africa marketing pages only, never in the wallet, and only after you accept marketing cookies. It tells us when a LinkedIn advert led to a visit, sign-up or demo request. Data may be processed outside South Africa by LinkedIn. You can withdraw consent at any time under Cookie settings.

Your choice: non-essential cookies are off until you click “Accept all” or turn a category on under “Preferences”. You can withdraw or change your consent at any time using the “Cookie settings” link in the website footer. Withdrawing consent stops further collection but does not affect processing done before you withdrew. You can also block or delete cookies in your browser settings.

International transfers: Meta may process Pixel data outside South Africa, including in Ireland and the United States. We share this data only with your consent and under Meta’s written data processing terms, including the EU standard contractual clauses, which provide protection substantially similar to POPIA, as section 72 of POPIA requires. For how Meta uses data, see https://www.facebook.com/privacy/policy.

Retention: we keep your cookie choice for 12 months. Meta keeps Pixel data in line with its own terms. The _fbp cookie expires after 90 days.

Questions about cookies: contact our Information Officer at legal@mymoolah.africa.

 

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of any significant changes by posting the new policy on our website.

 

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Email: legal@mymoolah.africa

Address: Block A, Erasmus Forum, 434 Rigel Ave South, Erasmusrand, Pretoria, 0181

 
 Last updated: 22 October 2026