Last Updated: February 6, 2026
Morsal is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our mobile application and related services (“Service”).
By using MorsalPay, you consent to the practices described in this Privacy Policy.
Account Information
Full legal name (first and last name)
Email address
Phone number
Password (stored securely using encryption)
Identity Verification (KYC) Information
Government-issued identification documents (passport, national ID, driver’s license)
Selfie photographs for identity verification
Date of birth
Nationality
Document numbers and expiration dates
Transaction Information
Sender and recipient details
Bank account information
Mobile money account numbers
Transfer amounts and currencies
Payment method details
Pickup location addresses
Proof of payment documents
Recipient Information
Recipient names
Bank account numbers and bank names
Phone numbers
Addresses (for cash pickup)
Device Information
Device type and model
Operating system version
Unique device identifiers
Mobile network information
Usage Information
App usage patterns
Features accessed
Transaction history
Login times and frequency
Location Information
IP address
General geographic location
Pickup location coordinates (when cash pickup is selected)
We may receive information from:
Identity verification service providers
Banking and payment partners
Fraud prevention services
Public databases for compliance purposes
Process money transfers
Verify your identity (KYC compliance)
Maintain and improve the Service
Develop new features
Prevent unauthorized transactions
Detect and prevent fraud
Comply with Anti-Money Laundering (AML) laws
Transaction confirmations and updates
Customer support responses
Security alerts and notifications
Promotional messages (only with consent)
Comply with applicable laws
Respond to legal or regulatory requests
Enforce our Terms of Service
Understand user behavior
Improve user experience
Measure service performance
If you are located in the European Economic Area (EEA), we process your data based on:
Contract performance
Legal obligations
Legitimate interests
Your consent (where required)
We share information with trusted partners for:
Payment processing
Identity verification (KYC)
Cloud hosting and storage (Firebase / Google Cloud)
Email delivery (Mailgun)
Analytics and customer support
Including:
Banks and financial institutions
Mobile money operators
Payment processors
Cash pickup partners
We may disclose information to law enforcement, courts, or regulators when legally required.
Your data may be transferred in the event of a merger, acquisition, or sale of assets.
We may share information for other purposes with your explicit consent.
We retain personal data as follows:
Data Type
Retention Period
Account Information
Account lifetime + 7 years
Transaction Records
7 years
KYC Documents
7 years after account closure
Identity Photos
Until verification is completed
Login and Security Logs
2 years
Marketing Preferences
Until you opt out
After the retention period, data is securely deleted or anonymized.
Encrypted data transmission (TLS/SSL)
Encrypted data storage
Secure password hashing
One-Time Password (OTP) verification
Biometric authentication support (Face ID / Touch ID)
Role-based access control
Employee data protection training
Regular security audits
Incident response procedures
Secure Google Cloud infrastructure
Firestore security rules
Firebase Authentication
You may have the right to:
Access your personal data
Correct inaccurate information
Request deletion (subject to legal obligations)
Request data portability
Restrict or object to processing
Withdraw consent
To exercise your rights, contact:
privacy@morsalpay.com
Processed locally on your device
Not collected or stored by MorsalPay
Used only for identity verification
Securely stored as required by KYC regulations
Essential cookies for security and functionality
Analytics cookies for service improvement
You can manage cookies through your browser settings.
Morsal is not intended for individuals under 18 years old. We do not knowingly collect children’s data.
Your information may be processed outside your country of residence, including the United States. We apply appropriate safeguards such as:
Standard Contractual Clauses
Adequacy decisions where applicable
We are not responsible for the privacy practices of third-party websites or services.
We may send notifications related to:
Transactions
Security alerts
Account activity
Promotions (with consent)
You can disable notifications in your device or app settings.
Updates will be posted on this page and, if significant, communicated via email or in-app notifications.
Morsal Privacy Team
Email: pay@morsalpay.com
Support: pay@morsalpay.com
Website: https://morsalpay.com
Data Protection Officer (DPO)
Email: pay@morsalpay.com
Morsal complies with:
Anti-Money Laundering (AML) laws
Know Your Customer (KYC) regulations
Financial reporting obligations
You may lodge a complaint with your local data protection authority if necessary.
By using Morsal, you confirm that you have read and understood this Privacy Policy.