At BMONI (operated by Bkey Inc.), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mobile application and services.

By using BMONI, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.

1. Information We Collect

Personal Information

We collect personal information that you provide directly to us, including:

• Full name, email address, and phone number
• Date of birth and identification documents (for KYC compliance)
• Biometric data for authentication (processed locally on your device)
• Financial information including transaction history
• Device information and location data

Automatically Collected Information

When you use BMONI, we automatically collect:

• Device type, operating system, and unique device identifiers
• IP address and location information
• Usage data, including pages viewed and features accessed
• Transaction data and payment information

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Verify your identity and prevent fraud
• Comply with legal and regulatory requirements
• Send you technical notices, updates, and security alerts
• Respond to your comments, questions, and customer service requests
• Develop new features and services
• Monitor and analyze trends, usage, and activities

3. Biometric Data and Security

BMONI uses advanced biometric authentication technology secured by 22 patented AI technologies:

• Biometric data is processed locally on your device and never stored on our servers
• We generate cryptographic keys from your biometric data that cannot be reverse-engineered
• No passwords or PINs are stored, eliminating the risk of password theft
• All transactions are secured with cryptographic proofs

Your biometric information is never shared with third parties and is used solely for authentication purposes.

4. Information Sharing and Disclosure

We may share your information in the following circumstances:

• Service Providers: With licensed banking and technology partners who perform services on our behalf
• Legal Requirements: When required by law, court order, or governmental authority
• Fraud Prevention: To detect, prevent, or address fraud, security, or technical issues
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you explicitly authorize us to share your information

5. Data Security

We implement industry-leading security measures to protect your information:

• End-to-end encryption for all transactions and data transmission
• Cryptographic bookkeeping using blockchain technology
• Regular security audits and penetration testing
• Secure data storage with licensed banking partners
• Multi-factor authentication and biometric verification

6. Your Rights and Choices

You have the following rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Opt-out: Opt-out of marketing communications
• Data Portability: Request a copy of your data in a portable format

To exercise these rights, please contact us at support@bmoni.com

7. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure that such transfers comply with applicable data protection laws and implement appropriate safeguards to protect your information.

8. Children’s Privacy

BMONI is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the “Last Updated” date. You are advised to review this Privacy Policy periodically for any changes.

10. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, please contact us: