Privacy Policy

Last updated: May 30, 2026

Monet Holdings Group, Inc. ("Monet," "we," "us," or "our") operates the Monet mobile application and the website at monet.family (the "Service"). This Privacy Policy explains how we collect, use, disclose, and protect your information when you use the Service.

1. Information We Collect

We collect information you provide directly to us, including:

• Name, email address, and phone number when you create an account
• Identity verification information (date of birth, SSN last 4, government-issued ID) required by our banking partner for KYC compliance
• Financial account information, including bank account details you link through Plaid
• Transaction history and usage data
• Contacts you choose to access for friend payments and invites
• Photos or camera images you choose to upload for profile photos, QR scanning, or bank detail capture
• Approximate or precise location when you use location-based features such as nearby cash deposit or ATM discovery

We also collect information automatically, including device identifiers, IP address, app usage data, diagnostics, fraud signals, and marketing attribution data.

2. How We Use Your Information

• To provide, maintain, and improve the Service
• To process transactions and send related notices
• To verify your identity and prevent fraud
• To comply with legal and regulatory obligations
• To send account-related communications
• To administer our referral rewards program
• To measure marketing performance and attribution
• To provide support, security alerts, and account recovery

3. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Card services — Rain Cards, Inc., as required to provide card issuance and payment services
• Service providers — Plaid or other bank verification providers, Circle, Bridge, wallet infrastructure providers, Twilio, AppsFlyer, analytics providers, support vendors, and other vendors who help us operate the Service
• Legal requirements — When required by law, court order, or governmental authority

4. Data Security

We use industry-standard encryption and security practices to protect your information. Card numbers and sensitive financial data are never stored on our servers — they are handled directly by our payment processors.

5. Your Rights

You may request access to, correction of, or deletion of your personal information by contacting us at [email protected]. Note that some data may be retained as required by law or regulation.

6. Cookies

Our website uses minimal cookies necessary for operation. We do not use third-party advertising cookies.

7. Children's Privacy

The Service is not directed to children under 18. We do not knowingly collect personal information from minors.

8. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notice. Continued use of the Service after changes constitutes acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy, contact us at:
[email protected]
Monet Holdings Group, Inc.