• info@maalmicrofinance.com

Privacy Policy 

Last Updated: March 2026

1. Introduction

Maal Microfinance LTD operates the e-Maal Mobile Wallet application. This Privacy Policy explains how we collect, use, disclose, and protect user information when you use our mobile application. By installing or using the e-Maal app, you agree to the collection and use of information in accordance with this Privacy Policy.

2. Information We Collect

a) Personal Information

When you register or use the e-Maal wallet, we may collect:

  • Full name
  • Phone number
  • Email address (if provided)
  • Identification details (such as national ID)
  • Date of birth
  • Address (if required for verification)

b) Financial Information

To provide wallet services, we may collect:

  • Wallet account information
  • Transaction records
  • Payment and transfer history

c) Usage Information

We may collect limited information about how the application is used, such as:

  • Login activity
  • Transaction activity
  • Customer support interactions

3. How We Use Your Information

  • Create and manage user accounts
  • Process wallet transactions
  • Provide customer support
  • Improve the functionality of the application
  • Detect and prevent fraud or unauthorized activity
  • Comply with financial regulations and legal obligations

4. Sharing of Information

Maal Microfinance LTD does not sell, trade, or rent personal information to third parties.

We may share limited information with:

  • Payment processing partners
  • Identity verification services
  • Legal or regulatory authorities when required by law
  • All partners are required to protect user data and maintain confidentiality.

5. Data Security

  • Secure systems and servers
  • Controlled access to sensitive information
  • Monitoring systems to detect suspicious activities

Despite these measures, no digital system can guarantee absolute security.

6. Data Retention

User information will only be retained for as long as necessary to:

  • Provide wallet services
  • Meet legal and regulatory obligations
  • Prevent fraud and resolve disputes

7. Children’s Privacy

The e-Maal Mobile Wallet is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

8. User Rights

Users may request to:

  • Access their personal data
  • Correct inaccurate information
  • Request closure of their wallet account

Requests can be submitted through our support channels.

9. Updates to This Privacy Policy

Maal Microfinance LTD may update this Privacy Policy from time to time. Any updates will be published within the application or on our official website.

10. Contact Information

For any questions or concerns regarding this Privacy Policy or our data practices, please contact us at: info@maalmicrofinance.com
Address: Maal Microfinance LTD, Mogadishu, Somalia

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