Soni Wallet ("Soni", "we", "us") provides mobile money services in The Gambia. We are committed to protecting your privacy and handling your personal information responsibly and in line with the laws of The Gambia and the requirements of the Central Bank of The Gambia.
This policy explains what information we collect, why we collect it, how we use and protect it, and the choices you have.
1. Information we collect
- Account and identity details — your name, mobile number, email address, date of birth, and the identity documents we need to verify you (KYC), as required by regulation.
- Transaction information — the money you send, receive, and spend, including amounts, recipients, airtime and cash-power purchases, and linked bank accounts.
- Device and usage data — device type, operating system, app version, IP address, and how you use the app, to keep your account secure and improve the service.
- Support information — messages and details you share when you contact us for help.
2. How we use your information
- To create and operate your wallet and process your transactions.
- To verify your identity and meet our legal, regulatory, and anti-money-laundering obligations.
- To detect, prevent, and investigate fraud and unauthorised activity.
- To provide customer support and keep you informed about your account.
- To improve, personalise, and secure our products.
3. When we share information
We do not sell your personal information. We share it only where necessary:
- With regulators and authorities, including the Central Bank of The Gambia, where required by law.
- With banks, networks, and service providers who help us deliver the service (for example, payment processing, identity verification, SMS, and hosting).
- With the other party to a transaction, limited to what is needed to complete it (such as your name when you send money).
4. How we protect your information
We use encryption, access controls, and continuous monitoring to protect your data. No system is ever completely secure, so please keep your PIN and login details private and contact us immediately if you suspect unauthorised access.
5. How long we keep it
We keep your information for as long as you hold an account and for the period afterwards that we are required to by law and financial regulation. After that, we securely delete or anonymise it.
6. Your rights
You may request access to the personal information we hold about you, ask us to correct inaccurate information, or ask us to delete information where we are not required to keep it. To exercise these rights, contact us using the details below.
7. Cookies and the website
Our website uses only essential cookies and standard analytics to understand how the site is used. We do not use advertising trackers.
8. Changes to this policy
We may update this policy from time to time. When we do, we will revise the "last updated" date above and, where appropriate, notify you in the app.
9. Contact us
Questions about your privacy? Email support@soniwallet.com.