Privacy Policy
Last updated: February 2026
1. Introduction
Monet OS ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our cash flow acceleration and receivables recovery platform.
2. Information We Collect
We collect information you provide directly to us, including:
- •Account information (name, email, phone number, company details)
- •Financial information (bank account details, invoice data, payment history)
- •Identity verification documents (trade license, Emirates ID, passport)
- •Communication records (emails, support tickets, call logs)
- •Usage data (how you interact with our platform)
3. 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
- •Communicate with you about products, services, and updates
- •Comply with legal obligations and regulatory requirements
- •Analyze usage patterns to improve user experience
4. Information Sharing
We may share your information with:
- •Service providers who assist in our operations
- •Financial institutions for payment processing
- •Legal authorities when required by law
- •Business partners with your consent
- •Debt collection agencies when recovering receivables
5. Data Security
We implement industry-standard security measures to protect your data, including encryption, secure servers, and regular security audits. All financial data is encrypted both in transit and at rest using AES-256 encryption.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are retained for a minimum of 7 years as required by UAE regulations.
7. Your Rights
You have the right to:
- •Access your personal data
- •Correct inaccurate information
- •Request deletion of your data (subject to legal requirements)
- •Object to processing of your data
- •Data portability
- •Withdraw consent at any time
8. Cookies and Tracking
We use cookies and similar technologies to enhance your experience, analyze usage, and assist in our marketing efforts. You can control cookie preferences through your browser settings.
9. International Data Transfers
Your information may be transferred to and processed in countries other than the UAE. We ensure appropriate safeguards are in place to protect your data in accordance with this policy.
10. Contact Us
If you have questions about this Privacy Policy or our data practices, please contact us at privacy@monet.ae or through our support portal.
11. Security and Technical Data
We may collect and process technical information, including IP addresses, device information, browser type, access logs, and usage activity, for security, fraud prevention, system monitoring, abuse detection, and protection against unauthorized access, cyberattacks, hacking attempts, and other unlawful activity.
We may retain and disclose such information where necessary to comply with applicable laws, regulatory obligations, security requirements, legal claims, investigations, or operational needs.