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🔒 Privacy Policy

MOM Finance  ·  Effective: 27 February 2026  ·  Version 2.0

🛡️ MOM Finance (“we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our money transfer platform at https://momfinance.to.

1. Introduction

As a licensed money transfer operator regulated by the National Reserve Bank of Tonga (NRBT) and operating in partnership with AUSTRAC-registered JATF & T Pty Ltd, we are bound by strict data protection, AML/CTF, and financial services privacy obligations. This policy explains your rights and our responsibilities under these frameworks.

2. Information We Collect

2.1 Personal Identification Information

  • Full legal name and date of birth
  • Residential address (current and previous)
  • Email address and phone number
  • Government-issued identification (passport, driver’s licence, national ID)
  • Photograph (where required for KYC)

2.2 Financial and Transaction Information

  • Bank account details for sending and receiving funds
  • Transaction amounts, dates, and reference numbers
  • Beneficiary name, contact details, and bank information
  • Source of funds declarations
  • Purpose of transfer

2.3 Technical and Usage Information

  • IP address and device identifier
  • Browser type, version, and operating system
  • Access times, pages visited, and session data
  • Referring website or app

3. How We Use Your Information

  • Processing and completing your money transfer transactions
  • Verifying your identity in compliance with KYC requirements
  • Screening transactions for money laundering and terrorism financing (AML/CTF)
  • Complying with NRBT, AUSTRAC, and other applicable regulatory obligations
  • Providing customer support and resolving disputes
  • Improving our services, Platform security, and user experience
  • Sending transactional notifications, receipts, and important service updates
  • Detecting and preventing fraud, unauthorised access, and abuse

4. Information Sharing and Disclosure

We do not sell or rent your personal information. We may share it only in these circumstances:

4.1 Our Regulated Partner — JATF & T Pty Ltd

For transaction processing in Australia, we share necessary information with our AUSTRAC-registered partner. JATF & T Pty Ltd is bound by strict confidentiality obligations and Australian Privacy Act requirements.

4.2 Regulatory and Law Enforcement Authorities

  • National Reserve Bank of Tonga (NRBT) — our primary regulator
  • NRBT Financial Intelligence Unit (for AML/CTF Suspicious Matter Reports)
  • AUSTRAC (Australian Transaction Reports and Analysis Centre)
  • Law enforcement agencies when required by court order or law
  • Tax authorities as required by applicable tax law

4.3 Technology Service Providers

Trusted third-party providers who assist with platform hosting, payment processing, and security. These providers are contractually bound to protect your information and may only use it for the specified purpose.

5. Data Security

We implement industry-standard and regulatory-grade security measures:

  • ✅ SSL/TLS encryption for all data transmissions (256-bit)
  • ✅ Data encryption at rest in secure cloud storage
  • ✅ Two-factor authentication (2FA) for all accounts
  • ✅ Regular security audits and penetration testing
  • ✅ Role-based access controls — staff see only what they need
  • ✅ Geographic data redundancy for disaster recovery
  • ✅ Automated fraud detection and AML/CTF screening systems

Despite our security measures, no internet transmission is 100% secure. You are also responsible for keeping your login credentials confidential.

6. Data Retention

We retain your personal information for a minimum of 7 years from the date of your last transaction to comply with NRBT regulatory requirements and AML/CTF obligations. After this period, information is securely deleted unless required for ongoing legal proceedings or regulatory investigations.

📌 This 7-year retention period is a mandatory regulatory requirement, not a choice — it applies to all licensed money transfer operators in Tonga and Australia.

7. Your Rights

Subject to applicable law and regulatory obligations, you have the right to:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request corrections to inaccurate or incomplete information
  • Deletion: Request deletion of your data (subject to regulatory retention requirements)
  • Objection: Object to certain processing activities
  • Withdrawal: Withdraw consent where processing is consent-based

To exercise any of these rights, contact us at info@momfinance.to. We will respond within 30 days.

8. Cookies

We use essential, functionality, analytics, and security cookies on our Platform. For full details on the specific cookies we use and how to manage them, please see our Cookie Policy.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Significant changes will be communicated via email or a prominent notice on the Platform. The Effective Date at the top of this policy will always reflect the most recent version. Continued use of the Platform after changes constitutes acceptance of the updated policy.

10. Contact Us

For any privacy questions, data requests, or to exercise your rights:

🇹🇴 Tonga Office

MOM Finance
3 Tupoulahi Rd, Fasi & Afi
Nukuʻalofa, Tongatapu, Tonga
📞 +676 7774600 / +676 7711961
📧 info@momfinance.to

🇦🇺 Australia Office

JATF & T Pty Ltd
6 Northall Rd, Mickleham VIC 3064
📞 +61 4 1234 5678
📧 info@momfinance.to

Last Updated: 27 February 2026. This policy is reviewed annually and whenever there are significant regulatory changes.

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