This Privacy Policy explains how Persia Money collects, uses, stores and protects your personal information when you use our website, web application, mobile application, account, orders, SMS messages, notifications, emails and other official communication channels.

This document relates only to privacy and the processing of users’ personal information. It does not replace Persia Money’s Terms and Conditions, Acceptable Use Policy or any other applicable policies. Use of Persia Money’s services remains subject to the Terms and Conditions and other relevant policies.

By using Persia Money’s services or providing information to us, you confirm that you have read this Policy and understand how we use your information.

1. Data Controller

The data controller for users’ personal information is Persia Money.

For any questions, requests or concerns relating to privacy or personal information, you may contact our privacy team at:

Privacy team email: privacy@persia.money

2. Information We Collect

Persia Money may collect and process information that is necessary to provide services, verify identity, review orders, process payments, manage risk, prevent fraud, provide support and comply with legal requirements.

This information may include identity and contact information, account information, order and payment information, information about recipients and beneficiaries, documents and information required for identity verification, information about source of funds and source of wealth, facial images and liveness detection information, technical information relating to your use of our website and application, cookie and analytics data, support communications, and information required for sanctions, fraud, money laundering, terrorist financing, risk and internal policy checks.

Persia Money may receive this information directly from you, through your use of the services, from documents you submit, through support channels, from identity verification and security screening providers, from payment and settlement partners, or from other reliable sources.

If you provide information about another person, such as a recipient, beneficiary, family member, friend or other connected person, you are responsible for ensuring that the information is accurate and, where necessary, that you have permission to provide it.

3. How We Use Information

Persia Money uses users’ information to create and manage accounts, verify identity, review and process orders, process payments, check recipients and payment destinations, review source of funds and source of wealth, prevent fraud, conduct sanctions, money laundering, terrorist financing and other risk checks, and prevent misuse of the services.

We also use information to provide support, respond to requests and complaints, maintain the security of our website and application, analyse service performance, improve user experience, comply with legal and internal requirements, defend Persia Money’s rights, and enforce our Terms and Conditions and policies.

The basis for using information may include providing the services requested by the user, performing or enforcing our Terms and Conditions, complying with legal and security requirements, Persia Money’s legitimate interests, or the user’s consent where separate consent is required.

4. Identity Verification and Biometric Data

To use the services, users may be required to complete identity verification and provide required documents or information.

Persia Money may store and process identity documents, facial images, liveness detection information and the results of identity verification checks on its systems. This information is used to verify identity, prevent impersonation, prevent fraud, carry out security, sanctions and anti-money laundering checks, handle disputes and maintain necessary records.

Persia Money may use identity verification, document checking, facial recognition or liveness detection providers to perform some of these checks. Biometric data and identity documents are not sold, rented or used for advertising purposes.

5. SMS, Notifications and Service Communications

Persia Money may send users SMS messages, emails, in-app notifications or other service communications about orders, account status, account security, document requests, payment status, support messages and account management.

Persia Money uses SMS messages and notifications to provide order and account-management information. They are not used for general advertising or mass marketing unless Persia Money introduces this separately in the future and, where required, obtains the user’s consent.

6. Cookies and Analytics

Persia Money’s website, web application and mobile application use cookies and analytics tools to make the services work properly, keep users signed in, improve security, identify errors, analyse user activity, improve user experience and prevent misuse.

Some cookies are necessary for the services to function. Others are used for analytics and service improvement. Where applicable law requires consent for cookies or analytics tools, Persia Money may request consent or provide a way to manage cookie settings.

7. Sharing Information

Persia Money does not sell users’ personal information.

However, where necessary to provide services, verify identity, review orders, process payments, manage risk, provide support, analyse services, comply with legal requirements or defend its rights, Persia Money may share information with identity verification, document checking, liveness detection, sanctions, risk and fraud screening providers; payment and settlement partners; technical, hosting, storage, SMS, email, notification, support and analytics providers; professional advisers; banks, payment networks, merchants, platforms or other third parties required to process an order; and competent authorities where disclosure is required or permitted.

Persia Money shares information only where necessary and for specific purposes, and seeks to ensure that recipients protect the confidentiality and security of the information.

8. International Transfers

Users’ information may be processed, transferred or stored in countries outside the user’s country of residence, because some service providers, technical infrastructure, payment partners or analytics tools may be located in different countries.

In such cases, Persia Money seeks to use appropriate measures to protect the information, maintain confidentiality and limit access to the information.

9. Retention of Information

Persia Money keeps users’ information for as long as necessary to provide services, manage accounts, process orders, handle disputes, prevent fraud, comply with legal, financial, tax, security, sanctions, anti-money laundering and record-keeping requirements, or defend Persia Money’s rights.

In general, Persia Money keeps information relating to accounts, identity verification, identity documents, facial images, liveness detection, orders, transactions, recipients, source of funds, source of wealth, support records and risk and compliance checks for up to 6 years after the user’s last transaction.

In some cases, information may need to be retained for a longer or shorter period, including because of law, disputes, complaints, security checks, sanctions checks, fraud prevention, an order from a competent authority, investigations or the defence of Persia Money’s rights.

10. Information Security

Persia Money seeks to use appropriate technical, organisational and security measures to protect users’ information against unauthorised access, disclosure, alteration, loss, misuse or unauthorised processing.

However, no internet, communication or technical system is completely risk-free. Users are also responsible for keeping their account, password, login codes, devices, email address and mobile number secure.

11. Users’ Rights

Depending on the user’s country of residence and applicable laws, users may have rights in relation to their personal information, including the right to request access to personal information, receive a copy of information held by Persia Money, correct inaccurate or incomplete information, request deletion of an account or information where legally and practically possible, restrict the use of information, object to certain types of processing, or withdraw consent where processing is based on consent.

These rights may be limited in certain circumstances, especially where retaining or processing information is necessary to provide services, process orders, comply with legal requirements, prevent fraud, conduct sanctions checks, keep records, handle disputes, defend Persia Money’s rights or for other lawful reasons.

To exercise rights relating to personal information, users may contact the Persia Money privacy team at: privacy@persia.money

12. Requests for a Copy of Information or Account Deletion

A user may request a copy of the personal information that Persia Money holds about them, or request deletion of their account or certain information.

Persia Money will review the request and, where legally, practically and securely possible, take appropriate action.

However, Persia Money may remove or withhold certain information from any copy provided, including internal information, risk assessments, confidential review methods, security information, information received from external sources where disclosure is not permitted, communications with competent authorities, information about other persons, or information whose disclosure could harm security, confidentiality, investigations or Persia Money’s rights.

A request to delete an account or information does not automatically result in immediate deletion of all information, particularly where the user has carried out transactions, an order remains open, a dispute is unresolved, security or sanctions checks are ongoing, or retention is required for the 6-year period after the user’s last transaction or for another necessary period.

13. Links to Other Websites or Services

Persia Money’s website, application or messages may contain links to websites, platforms, merchants or third parties.

Those third parties have their own privacy policies and terms of use. Persia Money is not responsible for how third parties outside Persia Money’s control collect, use, disclose or retain information.

14. Changes to This Policy

Persia Money may update this Privacy Policy at any time. The updated version will take effect when published on Persia Money’s website, web application or mobile application.

If there are material changes to how users’ information is collected, used, stored or processed, Persia Money may notify users through the website, application, email, notification or other appropriate channels.

15. Complaints to a Supervisory Authority

If a user believes that their privacy or data protection rights have been breached, they may first contact Persia Money’s privacy team at privacy@persia.money so the matter can be reviewed.

Depending on the user’s country of residence and applicable laws, the user may also have the right to complain to the relevant data protection or privacy supervisory authority.