Legal
Privacy policy
This policy describes how Morapay (“we”, “us”) handles personal information when you use morapay.io, the Morapay app, hosted checkout, and the business dashboard.
Who we are
Morapay operates payment and payout services from Accra, Ghana. For privacy questions, email hi@morapay.io or support@morapay.io.
What we collect
- Account data: name, email, phone, company, and KYB/KYC documents you submit
- Transaction data: amounts, currencies, rails, wallet addresses, MoMo numbers, references
- Technical data: IP address, device, logs, and cookies needed to run the site
- Support data: messages you send via the contact form or email
How we use it
We use this information to provide checkout and payouts, prevent fraud, meet AML/KYC obligations, send transactional email (including contact confirmations), and improve the product. We do not sell personal data.
Who we share with
We share data with payment partners and infrastructure providers only as needed to move money or host the service (for example mobile-money processors, on-ramps, cloud, email delivery). Lawful requests from regulators may also require disclosure.
Retention
We keep transaction and identity records for as long as required by payments and AML rules, then delete or anonymise them. Marketing-site contact tickets are kept to handle your request and for a reasonable support history.
Your choices
You can ask for a copy of your data, a correction, or deletion where the law allows — some records must be kept for compliance. Cookie banners, where shown, let you limit non-essential cookies.
Security
We use access controls, encryption in transit, and least-privilege ops access. No method of transmission is perfectly secure; protect your dashboard credentials and never share wallet recovery phrases with anyone claiming to be Morapay.
Ambassador Program and Telegram bot
Version: 1.0
Effective date: 2 November 2026
Last updated: 28 October 2026
Contact: hi@morapay.io
This section explains how Morapay handles personal data in the Morapay Ambassador Program and in the Morapay Ambassador bot on Telegram, @MorapayAmbassadorsBot (the "Bot"). The rest of this Privacy Notice applies to ambassadors and applicants too.
What we collect
| When | Data |
|---|---|
| When you use the Bot | Your Telegram user ID, username and first name, and the messages and button choices you send to the Bot. |
| When you apply | Your full legal name, country, the email address of your Morapay account, your preferred payout method, your one line reason for joining, and your answer on whether you work at Morapay or live with someone who does. |
| When you agree to the program documents | A record of your Telegram user ID, the time, and the version of the Terms, Code of Conduct and Brand and Posting Guide you agreed to. |
| While you are an ambassador | Your referral code and link, the Referred Users attributed to you, Eligible Payments, Rewards, Clawbacks and withdrawals. |
| Before your first withdrawal | Identity verification (ID document and selfie) and payout details in your own name: a USDC wallet address, or for ambassadors in Ghana, a GHS mobile money number. |
Why we use it
- To review your application, including the 6 digit one time code that confirms your email belongs to your Morapay account.
- To run the program under the Ambassador Program Terms: attributing referrals, calculating Rewards, sending statements and paying withdrawals.
- To keep a record of what you agreed to and when.
- To verify identity, prevent fraud and meet our legal obligations before we pay you.
- To send you program notices in the Bot and by email.
What other people see
- The people you refer never see your personal details beyond your referral code or link.
- You see counts and masked details of the people you refer and their Rewards. Their full identities and payment details stay private.
- Your application reaches Morapay's reviewers in a private admin chat without your email or legal name; the full details stay in Morapay's admin system.
- Telegram carries your messages with the Bot under Telegram's own privacy policy.
- We share data with service providers that help us verify identity and send payouts, under contract and only for those purposes.
How long we keep it
- Unsent application drafts: 7 days, then deleted.
- Applications, agreement records, Rewards and withdrawals: for as long as you take part in the program and afterwards for as long as the law and our records of payments require.
- Identity verification data: as set out in the rest of this Privacy Notice for identity checks.
Your choices
- Leave the program at any time in the Bot with /leave. Your referrals stop earning from that date, and you can withdraw an available balance of USD 5 or more for 90 days.
- Ask to see, correct or delete your data by writing to hi@morapay.io with your Telegram username. We keep the records the law requires.
- Your other rights are set out in the rest of this Privacy Notice.
Last updated: 28 October 2026