What personal data does Moneda collect, and why?

Moneda collects personal data for several purposes:

• Account Management: your name, email address, and other details necessary to create and authenticate your account.
• Communication: your name, email, and the content of your messages when you contact us, so we can respond and improve support.
• Transaction Facilitation: data needed to facilitate the blockchain transactions you initiate via third-party providers. Moneda itself is not regulated. Regulated financial services are provided by licensed partners.
• Personalisation: preferences, goals, and risk tolerance you configure, used to show general suggestions. This is information, not investment advice.
• AI features: your messages, files you upload, and the account information needed to answer you (such as balances, recent transactions, and verification status), used by Moneda AI, chat support, and receipt scanning.
• Identity verification: an ID document, a selfie, and proof of address, only if you choose features that legally require it.
• Security and fraud prevention: blockchain addresses are monitored so you do not interact with known fraudulent accounts.
• Mandatory Service Notifications: essential account activity, security alerts, system updates, and transaction confirmations. These are service-related, not promotional.
• Newsletters: only if you opt in, and you can unsubscribe at any time.