LEGAL
Privacy Policy
How Moni Plus handles personal information and protects your privacy.
Last updated: 16 July 2026
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01
Introduction
Moni Plus (“Moni Plus”, “we”, “us” or “our”) is committed to protecting the privacy and security of the personal information of our customers, website visitors and other individuals. This Privacy Policy explains how we collect, use, disclose, store and protect your personal information when you visit our website, contact us, or use our products and services.
This Policy applies to the Moni Plus website and to our financial services provided to individuals and businesses in Papua New Guinea. By using our Website or providing us with your personal information, you consent to the practices described in this Policy.
02
Information We Collect
Moni Plus may collect when a person uses the website, contacts the company, or submits an application.
Information you provide
- Identity and contact details such as your full name, email address, phone number, and branch or location;
- Customer type (personal or business) and the nature of your enquiry;
- Details relating to enquiries, support requests, feedback, complaints and applications, including account or reference numbers, transaction type, transaction date and amount;
- Supporting documents you choose to upload through our forms; and
- Any other information you choose to provide when communicating with us.
Information relating to products and services
- Financial information necessary to assess and administer products, such as income, employment, assets, liabilities and identification documents (collected as part of a formal application, not through general website use); and
- Records of your interactions and transactions with us.
Information collected automatically
- Technical data such as your IP address, browser type, device information, and operating system;
- Usage data such as pages visited, time spent, and links clicked; and
- Information collected through cookies and similar technologies (see Section 8).
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How We Use Your Information
We use your personal information for purposes connected with providing our services and operating our business, including to:
- Respond to your enquiries, support requests, feedback and complaints;
- Assess, process and administer applications for our products and services;
- Verify your identity and carry out due diligence and credit assessments;
- Provide, manage and improve our products, services and Website;
- Communicate with you about your accounts, applications or requests;
- Detect, investigate and prevent fraud, unauthorised transactions and other unlawful activity;
- Comply with our legal, regulatory and reporting obligations; and
- Send you information about products, services or updates where you have agreed to receive them or where otherwise permitted by law.
04
Legal Basis and Consent
We collect and process personal information where it is necessary to provide our services, to comply with legal and regulatory obligations, to pursue our legitimate business interests, or where you have given your consent. Where you provide us with personal information about another person, you confirm that you are authorised to do so and that they are aware of how their information will be used.
05
Disclosure of Your Information
We treat your personal information as confidential and do not sell it. We may disclose your information to:
- Members of our staff and authorised representatives who need it to perform their duties;
- Service providers and partners who assist us in operating our business, such as IT, hosting, payment, identity verification and professional advisers, subject to appropriate confidentiality obligations;
- Credit reporting bodies, financial institutions and referees, where relevant to a product or service;
- Regulators, law enforcement, courts and government authorities where required or permitted by law; and
- Any party in connection with an actual or proposed sale, merger or reorganisation of our business.
06
Data Security
We take reasonable technical and organisational measures to protect your personal information against loss, misuse, unauthorised access, disclosure, alteration and destruction. These measures include access controls, secure storage and staff confidentiality obligations. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
If you upload documents or submit sensitive information through the Website, you do so understanding that transmission over the internet carries inherent risks. Please avoid sending highly sensitive information through unsecured channels.
07
Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy any legal, regulatory, accounting or reporting requirements. When information is no longer required, we take reasonable steps to securely delete or de-identify it.
08
Cookies and Website Analytics
Our Website may use cookies and similar technologies to help it function correctly, remember your preferences, and understand how visitors use the Website so we can improve it. You can control or disable cookies through your browser settings, although some features of the Website may not function properly if you do so.
09
Your Rights
Subject to applicable law, you may have the right to:
- Request access to the personal information we hold about you;
- Request that we correct or update inaccurate or incomplete information;
- Request that we delete your information where there is no lawful reason for us to retain it;
- Withdraw your consent to certain uses of your information; and
- Opt out of receiving marketing communications from us at any time.
To exercise any of these rights, please contact us using the details in Section 12. We may need to verify your identity before acting on your request.
10
Third-Party Links
Our Website may contain links to third-party websites. This Privacy Policy does not apply to those websites, and we are not responsible for their privacy practices. We encourage you to review the privacy policy of any third-party website you visit.
11
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The current version will always be available on the Website, and the “Last updated” date at the top indicates when it was last revised. Your continued use of the Website after any change constitutes acceptance of the updated Policy.
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Contact Us
If you have any questions, concerns or requests regarding this Privacy Policy or how we handle your personal information, please contact us:
- Moni Plus
- Phone: (+675) 313 2900
- Email: info@moniplus.com
- Branches: Port Moresby, Lae, Mt. Hagen, Kokopo, Alotau and Goroka