We are sensitive to the scenario that we would be dealing with data and information of a personal nature. By using our Website www.dmoney.com.bd and related mobile applications (also referred as “we”, “us”, “our” and “Dmoney” or “Dmoney Wallet”, as the context may necessitate), you tend to provide Personal Information of you and your family (also referred as “you”, “your”, “yours” or the “User”, as the context may necessitate). You consent to the terms of our online Privacy Policy and to our processing of such Personal Information for the purposes explained in this policy by registering on the Website or by subscribing to our services. We request you to read this Policy in accordance with Terms and Conditions and to use these to make informed decisions.

This Privacy Policy sets out how Dmoney uses and protects any information that you provide when you use Our Website for any transaction. We are committed to ensuring that information shared by you is protected and we assure You that it shall solely be used in accordance with this Privacy Policy.

Your privacy is of utmost importance to us. We follow systematic and stringent procedures to protect the security of the information / data shared with us and stored on our Website/App. The information that you have shared on our Website/App is stored in secure server with encryption and can be accessed only for official purposes. Any of our employees who violate our privacy and/or security policies related to customer’s data is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.

Your privacy is of utmost importance to us. We follow systematic and stringent procedures to protect the security of the information / data shared with us and stored on our Website/App. The information that you have shared on our Website/App is stored in secure server with encryption and can be accessed only for official purposes. Any of our employees who violate our privacy and/or security policies related to customer’s data is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.

You must take all reasonable precautions to keep safe and prevent fraudulent use of your mobile device and security information.

Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as:
  • Your full name, address, e-mail address, mobile number, date of birth and bank or payment card details and any proof of your identity and/or address that we may request
  • Details of any transactions that you carry out through our Website or application using your Dmoney wallet and of the fulfillment of your requests
  • Details of any credit, debit or other card used by you for transactions
  • Keeping your security details unique to Other (Online or Physical) Banking and the Dmoney App;
  • Details of any bank account (including but not limited to, account holder, account name, account number, sort code, online banking PIN, and password, available balance and transaction history of your bank account), TAX certificates or any other income documents as necessary by us
  • Any correspondence sent by you to us
  • Survey that you complete through the Website/App or based on our request
  • Your participation in any promotion sponsored by us
  • Calls that we make to you or you make to us
  • Information collected through Cookies
  • Your IP address, log-in times, operating system and browser type
  • Details of your visits to our Website/ mobile application including, but not limited to, Traffic Data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise and the resources that You access whilst visiting our Website or mobile application

Dmoney shall engage independent merchants to provide certain services and products related to our Website/App. Access to any of your Personal Information by these merchants is limited to the information reasonably necessary in order for the merchants to perform their limited services for us. We also insist that these merchants protect your Personal Information in a manner consistent with this Privacy Policy and that the merchants shall not use or disclose your personal information for any purpose other than providing us with the products or services for which We have contracted. We will not sell, distribute or lease your Personal Information to merchants unless:

  • Required by law such as to comply with AML/CFT, or similar legal process. To the extent we are legally permitted to do so, we will take commercially reasonable steps to notify you in the event that we are required to provide your personal information to Merchants as part of legal process
  • When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud or respond to a written government request.
  • If Dmoney becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, We will provide notice before personally identifying information becomes subject to a different privacy statement
  • To any other Merchant with Your prior consent to do so.

Third-party ad servers or ad networks may serve advertisements on the Website/App. These third-party ad servers or ad networks use technology to send, directly to your browser, the advertisements and links that appear on Dmoney wallet. They automatically receive Your IP address when this happens. They may also use other technologies (such as cookies, JavaScript, or Web Beacons) to measure the effectiveness of their advertisements and to personalize the advertising content. Dmoney wallet does not provide any personally identifiable information to these third-party ad servers or ad networks without your consent. However, please note that if an advertiser asks us to show an advertisement to a certain audience or audience segment and you respond to that advertisement, the advertiser or ad-server may conclude that you fit the description of the audience they are trying to reach. You should consult the respective privacy policies of these third-party ad servers or ad networks. This Privacy Policy does not apply to, and we cannot control the activities of, such advertisers.

To carry out Your instructions for making and receiving payments and undertake transactions using our services, including verifying that you have sufficient funds in your Dmoney wallet to make such payments

To operate and administer your Dmoney wallet for providing services that you have requested

To notify you about changes to our service(s)

To comply with financial services regulations including retention of financial information and transactions

For customer service, including answering questions and responding to feedback and complaints

To provide you with information, products or services that you request from us or which we feel may interest you.

To allow you to participate in interactive features of the website or mobile application

To improve our internal customer training

For financial and identity checks, fraud prevention checks, anti-money laundering and credit checks

To enhance the security of our services

To send you offers based on your previous orders and interests

To complete optional online surveys which may ask you for contact information and demographic information (like zip code, age, gender)?

Dmoney wallet is required, under applicable laws, to retain certain records for a period as suggested by regulatory authorities even after closure of your Dmoney wallet, which will include your personal data such as your name, contact details, customer number and transaction history, ("Retained Data"). Other than the Retained Data, We will delete and destroy all Personal Information that we hold about you when you (or we) terminate your Dmoney wallet. We do not store your online banking login PIN, and/or password. Please note that we will not store your credit card information.

Please note that we will never ask you to disclose your personal or security details by e-mail. If you receive any e-mail purportedly from us requesting your personal or security details, please do not respond to it ("Such E-mail"). Please forward any Such E-mail to info@dmoney.com.bd and thereafter delete the e-mail immediately.

We may share your Personal Information with third parties to provide you with services that we offer through Dmoney wallet, conduct quality assurance testing, facilitate creation of accounts, provide technical and customer support, or provide specific services, such as synchronization of your contacts with other software applications, in accordance with your instructions. These third parties are required not to use your personal information other than to provide the services requested by you.

We may share your personal information with our subsidiaries, joint ventures, or other companies under a common control that we may have now or in the future, in which case we will require them to honor this Privacy Policy. If another company acquires our company or our assets, that company will possess your personal information, and will assume the rights and obligations with respect to that information as described in this Privacy Policy.

We may disclose Your personal information to third parties in a good faith belief that such disclosure is reasonably necessary to

  • Take action regarding suspected illegal activities
  • Enforce or apply our Terms and Conditions and Privacy Policy
  • Comply with legal process, such as a search warrant, statute, or court order; or protect Our rights, reputation, and property, or that of our users, affiliates, or the public

If you choose not to provide your Personal Information that is mandatory to process your request, Dmoney may not be able to provide the corresponding services.

Dmoney has drawn up stringent security measures to protect the loss, misuse, and alteration of the information provided by you under control. At any point of time, when you change or access your account information, we offer the use of a secure server. Once your information is in our possession, we adhere to strict security guidelines, protecting the information against unauthorized access. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online. For example

  • We use Secure Socket Layer (SSL) to encrypt the transmission of data on our Website/Portal.
  • We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.
  • We restrict access to Personal Information to our employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.
  • We are not responsible for third party circumvention of any privacy settings or security measures on Dmoney wallet. You can reduce these risks by using common sense security practices such as choosing a strong password, using different passwords for different services, and using up to date antivirus software.

In order to ensure easy and comfortable surfing on our Website/App, each time you visit our Website/app, the computer collects certain statistical information. These statistics are only used to provide us information in relation to the type of user using our Website by maintaining history of page requests and at no point they identify the personal details of the user. We may make use of this data to understand as to how our Website is being used.

The Website is hosted in Bangladesh. If you are accessing the Website from outside Bangladesh, your use of the Website is governed by laws of Bangladesh. You are transferring your Personal Information to Bangladesh, and you consent to that transfer.

If you would like to view the information we have collected from you or you want to correct your information, please go to our Login page and log into your account to view the above details and to review your personal information or you can call to our call center for any support.

If you believe that any information we are holding about you is incorrect or incomplete, please email us at info@dmoney.com.bd

We will promptly correct any information found to be incorrect.

We may change this policy from time to time by updating this page.

Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your wallet.

This policy is effective from the date last updated.

You consent to the collection and use of the information you disclose on Dmoney in accordance with this Privacy Policy, by using Dmoney wallet and/or by providing your information, including but not limited to your consent, for sharing your information as per this Privacy Policy.

Our Privacy Policy may change at any time without prior notification. To make sure that you are aware of any changes, kindly review the policy periodically. This Privacy Policy shall apply uniformly to Dmoney website & mobile applications.

We may use the information collected, in connection with your use of Dmoney wallet (including Your personal information) in order to investigate, enforce, and apply our Terms of Use and Privacy Policy.

If you believe that Dmoney has not adhered to this Privacy Policy please email to us at E-mail: info@dmoney.com.bd

(In your email, please describe in as much detail as possible ways in which you believe the Privacy Policy has not been complied with. We will investigate your complaint promptly)

Your use of the website/mobile application confirms your agreement to the privacy policy.