MoneyHome Privacy Notice (Switzerland)

Last updated: 14 January 2026

This Privacy Notice forms part of, and should be read together with, the MoneyHome Terms and Conditions. It explains how MH World GmbH (“MoneyHome”, “we”, “us”, “our”) collects, uses, stores, shares, and protects personal data when you use our services via our mobile application (“App”), website (“Website”), or at our physical office.

We process personal data in accordance with applicable data protection laws, including the Swiss Federal Act on Data Protection (FADP / revFADP) and, where applicable, the EU/EEA GDPR.

1. Who is the data controller and how to contact us

Controller:
MH World GmbH (MoneyHome)

Registered office:
c/o IncoSwiss AG, Bahnhofplatz, 6300 Zug, Switzerland

Operational office:
Bubenbergplatz 8, 3011 Bern, Switzerland

Company registration:
CHE-439.152.781

Privacy contact:
customerservice@mhwswiss.ch (please write “Privacy” in the subject)

Phone/WhatsApp:
+41 76 621 14 30

Mail:
MH World GmbH, Bubenbergplatz 8, 3011 Bern, Switzerland

Contact Details:
MH World GmbH
Bubenbergplatz 8
3011 Bern
Switzerland
Email: contact@mhwswiss.ch

2. Scope

This Privacy Notice applies to personal data processed in connection with:

• creating and managing your MoneyHome profile and access to the App/Website;

• identity verification and compliance checks (including AML, sanctions screening, and biometric liveness checks);

• sending and receiving money transfers, including transaction tracking and delivery;

• customer service and complaint handling;

• fraud prevention, security and integrity of our systems;

• marketing communications (where permitted);

• Website cookies and similar technologies (see Cookie Notice).

This Notice does not cover third-party websites/services that you may access via links on our Website or App (they have their own notices).

3. Personal data we collect

3.1 Data you provide to us

Depending on how you use MoneyHome, we may collect:

Identification and profile data:
full name, date of birth, nationality/citizenship (where required), address, email, phone number, account identifiers.

KYC/AML data:
identification document details/copies (as required), biometric data (e.g., selfie or video liveness checks), verification results, information on the purpose of transfers, and where required information relating to source of funds.

Recipient data (provided by you):
recipient name and payout details (e.g., bank account details, mobile wallet details, or cash pickup information).

Transaction data:
send/receive amount, currencies, exchange rate applied, fees, reference number, timestamps, payment status, delivery/collection status.

Customer support data:
communications and documents you share with us (messages, email, call notes, complaint details). 

3.2 Data collected automatically (Website/App)

When you use the Website/App, we may collect:

Device and technical data:
IP address, device identifiers, OS/browser type, app version, log data and error/crash diagnostics.

Usage data:
pages/screens visited, interactions, timestamps, referral sources, performance metrics.

Cookies and similar technologies (Website):
as explained in Section 11 and our Cookie Notice. 

3.3 Data received from third parties

We may receive personal data from:

• payment service providers, banks, and financial infrastructure involved in processing payments;

• payout partners/agents and banks in destination countries (delivery/collection status and processing details);

• verification/fraud prevention/sanctions screening providers (verification outcomes and risk indicators);

• public/official sources where permitted or required (e.g., for compliance checks or when responding to lawful requests). 

4. Why we process your data (purposes)

We process personal data for the following purposes:

A) Providing the Service (contract performance)

• to create and manage your Profile;

• to process and execute transfers and provide confirmations/updates;

• to provide customer support and resolve service issues.

B) Legal and regulatory compliance (legal obligation)

• to meet Swiss anti-money laundering obligations (KYC, due diligence, monitoring);

• to perform sanctions/PEP screening and compliance checks;

• to maintain legally required records;

• to respond to lawful requests from competent authorities;

• to detect, clarify, and report suspicious activity where required (see Section 6).

C) Security and fraud prevention (legitimate interests)

• to secure our Website/App and protect accounts;

• to prevent fraud, misuse, and prohibited activity;

• to enforce our Terms and protect our legal rights.

D) Improving our services (legitimate interests)

• analytics, debugging, performance measurement, and service improvements.

E) Marketing communications (consent or legitimate interests, depending on rules)

• to send marketing communications where permitted and based on your preferences; you can opt out at any time (Section 10). 

5. Legal bases (where applicable)

Where GDPR applies, our legal bases may include:

Contract performance:
to provide transfers and account services

Legal obligation:
AML/compliance recordkeeping and reporting

Legitimate interests:
security, fraud prevention, improvement

Consent:
certain cookies/marketing where required

If you do not provide data required to comply with law or to execute a transfer, we may not be able to provide the Service. 

6. Sharing of personal data (including authorities and suspicious activity)

We do not sell personal data. We share personal data only when necessary, including with:

6.1 Service providers (processors)

IT hosting, identity verification (including biometric processing by providers such as Veriff), security, analytics (where enabled), customer support tools, payment processing and other vendors—subject to contractual safeguards and access limitations.

6.2 Payment and payout partners

To execute transfers, we share necessary data with:

• banks/payment providers/PSPs,

• payout agents/partners,

• recipient banks/mobile wallet providers,

• other intermediaries required to complete the transaction.

As described in our Terms and Conditions, some of these intermediaries form part of our global payout network and their specific identities may vary by transaction corridor.

6.3 Authorities, regulators, and law enforcement

We may disclose information when we are required to do so by applicable law, regulation, a lawful request, or a court order, or when necessary to protect our legal rights. Swiss AML rules require records to be kept so we can respond within a reasonable time to requests from competent authorities.

6.4 Suspicious activity reporting (MROS)

If we know or have reasonable grounds to suspect money laundering, terrorist financing, or other prohibited activity, we may conduct additional clarification checks and, where required, submit a suspicious activity report to the Money Laundering Reporting Office Switzerland (MROS) and share relevant information with competent authorities.

6.5 Corporate transactions

In case of merger/acquisition/restructuring, data may be shared under confidentiality and legal safeguards. 

7. International transfers of data

Because MoneyHome provides international transfers, personal data may be processed in countries outside Switzerland (e.g., by payout banks/agents or service providers). Where cross-border transfers occur, we apply appropriate safeguards and share only what is necessary for:

• executing transfers,

• compliance (including AML/sanctions),

• fraud prevention,

• customer support and operations. 

8. Where data is hosted (Infomaniak) and processing locations

Primary hosting/storage:
Our core systems are hosted on servers located in Switzerland, including infrastructure hosted with Infomaniak (Switzerland). Even with Swiss hosting, certain processing may still occur outside Switzerland when needed to execute international transfers or where specialized service providers are located (see Section 7). 

9. Data retention

We retain personal data only as long as necessary for the purposes described, including legal obligations.

9.1 AML/transaction record retention (minimum 10 years)

Under Swiss anti-money laundering rules, financial intermediaries must retain relevant records (including identification and transaction records) for a minimum of ten (10) years after termination of the business relationship or completion of the transaction. In practice, this means we keep identity verification and transaction records for at least 10 years after your last transaction (or after the end of the relationship), unless a longer period is required.

9.2 Technical and system logs

Technical logs, crash reports, and non-transactional system data are generally retained for a shorter period (e.g., 6 to 12 months) for security and debugging purposes, unless required for an active investigation.

9.3 Longer retention in specific cases

We may retain data longer where required by law, or where needed to:

• support investigations or regulatory matters,

• manage chargebacks/disputes,

• establish, exercise, or defend legal claims. 

10. Your rights and how to exercise them

Depending on your location and the applicable law (Swiss FADP and, where applicable, GDPR), you may have the right to:

Access / right to information:
confirmation whether we process your data, a copy of your data, and related information.

Rectification:
correction of inaccurate or incomplete data.

Erasure/deletion:
deletion where legally possible (note: AML retention may prevent deletion).

Restriction / objection:
restriction of processing or objection to processing where the law provides.

Data portability (where applicable):
receive certain data in a commonly used electronic format and/or request transfer in cases provided by law.

Withdraw consent:
where processing is based on consent (e.g., certain marketing or optional cookies).

How to submit a request:
Email: customerservice@mhwswiss.ch
with subject Privacy Request. We may ask you for information to verify your identity.

Timing and fees:
In principle, information is provided within 30 days and free of charge, although a fee may apply in limited cases involving disproportionate effort (as permitted under Swiss practice).

Automated individual decisions (human review right)
If we make an automated individual decision (i.e., a decision based exclusively on automated processing that has legal effects or significantly affects you), we will inform you as required. You may request that such a decision be reviewed by a human, and you may express your point of view, where applicable. 

Complaints

We encourage you to contact us first to resolve concerns. You may also have the right to lodge a complaint with the Swiss Federal Data Protection and Information Commissioner (FDPIC/EDÖB) or, where applicable, your local supervisory authority. 

Marketing choices

You can opt out of marketing at any time using the unsubscribe link in our messages or by changing communication preferences in the App (where available). Service/transactional messages (e.g., transfer status, security alerts) may still be sent as they are necessary to provide the Service. 

11. Cookies and similar technologies (Website) + Cookie Notice

Our Website uses cookies and similar technologies for:

• Strictly necessary purposes (security, core functionality),

• Preferences (e.g., language),

• Analytics (only if enabled/consented where required),

• Marketing/measurement (only if enabled/consented where required and if used).

For details and to manage preferences, please read our Cookie Notice and use the Cookie Settings link on the Website (typically in the footer). 

12. Security

We apply technical and organizational measures designed to protect personal data (access controls, logging/monitoring, encryption where appropriate, vendor controls). No method of transmission or storage is completely secure, but we continuously work to protect our systems and data. 

13. Children

MoneyHome is intended for users 18 years or older. We do not knowingly collect personal data from children. 

14. Changes to this Privacy Notice

We may update this Privacy Notice from time to time. The updated version will be posted on our Website and/or in the App, with an updated “Last updated” date. Where appropriate, we may also provide additional notice. 

15. Contact

MH World GmbH (MoneyHome)
Bubenbergplatz 8, 3011 Bern, Switzerland
Email: customerservice@mhwswiss.ch
Phone/WhatsApp: +41 76 621 14 30

By using MoneyHome’s services, you acknowledge that you have read and understood this Privacy Notice.

Thank you for trusting MoneyHome with your personal data. We are committed to protecting your privacy.