ນະໂຍບາຍຄວາມເປັນສ່ວນຕົວ · Privacy Policy

1. Introduction and scope

This Privacy Policy explains how MOUNOY DEVELOPMENT SOLE CO.,LTD. (the “Company”, “we”, “us”) collects, uses, discloses and protects your personal data when you use the moomou app (iOS and Android) and the website moomou.com. The Company is the controller of the personal data described in this Policy. Enterprise Registration No.: 01-00021116-451-6 Registered office: Xokham Village, Xaythetha District, Vientiane Capital.

By registering for or continuing to use the moomou service, you acknowledge that you have read and agree to this Policy.

2. Data we collect

To provide our services fully and in compliance with the law, we collect the following data:

• Registration data: your full name and the phone number you use to open your account.
• Identity verification (KYC) data: photos of your national ID card or passport and a photo of your face (selfie), used to verify your identity.
• Transaction records: details of money transfers, LAO QR and BCEL QR payments, top-ups, cash-in and cash-out, and other services, including dates, times and amounts.
• Device and usage data: device model, operating system, device identifiers, IP address and in-app usage information, used for security and service improvement.

The moomou app requests certain permissions on your device:

• Camera — to scan QR codes and to photograph documents for identity verification (KYC).
• Location — to help you find nearby agents, service counters and power bank rental stations.
• Notifications — to inform you of transaction results and important account updates.

You can revoke these permissions in your device settings, but some app features may then not work fully.

3. How we use your data

• To open your account, process transactions and provide the services in the app;
• To verify your identity (KYC);
• To detect and prevent fraud, money laundering and unusual activity;
• To comply with the laws and regulations of the Lao PDR, including requirements of the Bank of the Lao PDR;
• To analyse and improve the quality of the app and our services.

4. Sharing your data

We share your data only to the extent necessary, with:

• Partner banks such as BCEL, JDB, ST Bank and KBank, to process cash-in, withdrawals and payments;
• Telecom operators and other service partners, to fulfil the transactions you request, such as mobile top-up, game top-up or WiFi;
• The Bank of the Lao PDR and competent state authorities, where required by law.

We never sell your personal data to anyone.

5. Security

We use technical and organisational measures to protect your data, including encryption of data in transit and at rest, PIN confirmation for transactions, and access controls that limit data access to staff who genuinely need it. However, no system is completely secure, so please always keep your PIN and OTP codes confidential.

6. Data retention

We retain your personal data for as long as your account remains active, and afterwards for the periods required by applicable financial and banking laws and regulations. Once the data is no longer needed, it is deleted or anonymised.

7. Your rights

With respect to your personal data, you have the right to:

• Request access to, and a copy of, the personal data we hold about you;
• Request correction of inaccurate or incomplete data;
• Request deletion of your data or closure of your account, subject to data we must keep by law.

To exercise these rights, contact [email protected]. We will respond as quickly as we can.

8. Children

moomou is not directed at children. Persons under the legal age may use the service only with the consent, and under the supervision, of a parent or legal guardian. If we learn that we have collected a child's data without such consent, we will delete it.

9. Changes to this Policy

We may update this Policy from time to time. If we make significant changes, we will notify you through the app or the website before they take effect. The date of the latest update is shown at the top of this page.

10. Contact us

If you have any questions about this Policy or your personal data, please contact:

• MOUNOY DEVELOPMENT SOLE CO.,LTD.
• Email: [email protected]
• Phone: +856 20 58689898
• Address: Xokham Village, Xaythetha District, Vientiane Capital.