Privacy Policy

Last Updated: February 8, 2026

This Privacy Policy describes how Mojo Verify ("we," "us," or "our") collects, uses, stores, and protects information when you use our identity verification and fraud prevention services (the "Service").

We are committed to protecting your privacy. This policy explains what data we collect, how it's used, and confirms that your information will not be shared with third parties for marketing purposes.

1. Information We Collect

1.1 Information You Provide

When you use our Service, you or your customers may provide:

Identity Information: Name, date of birth, address, government-issued ID documents, Social Security Number (if applicable)
Contact Information: Email address, phone number, physical address
Account Information: Username, password, company name, billing information
Custom Fields: Any additional information you choose to collect through our custom data capture features
Biometric Data: Facial images for liveness checks and identity verification
Documents: Government IDs, proof of address, and other verification documents

1.2 Information We Collect Automatically

When you or your users interact with our Service, we automatically collect:

Device Information: IP address, browser type, operating system, device identifiers
Usage Information: Pages viewed, features used, time spent, API calls made
Location Data: Approximate location based on IP address for fraud prevention
Network Information: VPN/proxy detection, ISP information, connection type
Session Data: Login times, session duration, activity logs

1.3 Information from Third-Party Sources

We may collect information from:

Public Records: OFAC sanctions lists, adverse media sources, gaming exclusion databases
Data Providers: Phone/email verification services, address validation services
Government Databases: For identity verification and compliance screening

2. How We Use Your Information

2.1 Primary Service Purposes

We use the information we collect to:

Provide Verification Services: Verify identities, detect fraud, assess risk, and provide confidence scores
Process Requests: Complete verification checks, screening, and analysis requested through our portal or API
AI Analysis: Analyze documents and data using our private LLM to generate automated confidence scores
Improve Accuracy: Train and refine our verification models (using anonymized data only)
Detect Fraud: Identify suspicious patterns, flag high-risk users, prevent account takeovers

2.2 Operational Purposes

We also use information to:

Maintain and improve our Service
Process payments and manage accounts
Provide customer support
Send service-related communications (not marketing)
Comply with legal obligations
Protect against security threats and abuse

2.3 What We DO NOT Do

We will NOT:

❌ Sell your information to third parties
❌ Share your information for marketing purposes
❌ Use your data to market unrelated products or services
❌ Share sensitive verification data with anyone except as required by law

3. How We Share Information

3.1 With Your Consent or Direction

We share information when you direct us to do so, such as when you use our API to verify a customer's identity and we return verification results to you.

3.2 Service Providers

We may share information with trusted third-party service providers who help us operate our Service, including:

Cloud infrastructure providers (for secure data storage)
Identity verification data sources
Payment processors (for billing)
Communication services (for SMS/email verification)

These providers are contractually bound to protect your information and may only use it to provide services to us, not for their own purposes.

3.3 Legal Requirements

We may disclose information if required to do so by law or in response to:

Valid legal process (subpoenas, court orders)
Government or regulatory requests
Protection of our rights, property, or safety
Investigation of fraud or security issues

3.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change and any choices you may have.

4. Data Security

4.1 Security Measures

We implement industry-standard security measures to protect your information, including:

Encryption: All data is encrypted in transit (TLS 1.3) and at rest (AES-256)
Access Controls: Strict role-based access with multi-factor authentication
Private Infrastructure: Our LLM and analysis tools run on private, isolated infrastructure
Security Monitoring: 24/7 monitoring for suspicious activity and intrusion attempts
Regular Audits: Periodic security assessments and penetration testing
Data Isolation: Customer data is logically isolated and cannot be accessed by other customers

4.2 Data Retention

We retain information for as long as necessary to:

Provide our Service to you
Comply with legal obligations (e.g., KYC/AML requirements)
Resolve disputes and enforce agreements
Detect and prevent fraud

Verification records are typically retained for 5-7 years to meet regulatory compliance requirements. You may request deletion of your data, subject to our legal obligations.

5. Your Privacy Rights

5.1 Access and Correction

You have the right to:

Access the personal information we hold about you
Request correction of inaccurate information
Request deletion of your information (subject to legal requirements)
Export your data in a portable format

5.2 Communication Preferences

You may opt out of:

Non-essential service communications
Marketing emails (we don't send these, but you can control any we might send)
SMS notifications (reply STOP to opt out)

SMS Communications

If you provide your phone number during an identity verification session, we may send SMS messages such as verification codes, verification status updates, or identity verification links. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

5.3 Regional Rights

For California Residents (CCPA):

Right to know what personal information is collected
Right to delete personal information
Right to opt out of "sale" of personal information (we don't sell data)
Right to non-discrimination for exercising privacy rights

For EU/UK Residents (GDPR):

Right to access, rectification, erasure, and data portability
Right to restrict or object to processing
Right to withdraw consent
Right to lodge a complaint with a supervisory authority

6. Cookies and Tracking

We use cookies and similar technologies to:

Essential: Maintain your login session and secure your account
Analytics: Understand how you use our Service to improve it
Fraud Prevention: Detect suspicious activity and device fingerprinting

You can control cookies through your browser settings. Disabling essential cookies may limit Service functionality.

7. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover we have inadvertently collected such information, we will delete it promptly.

8. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence. We ensure appropriate safeguards are in place, including:

Standard contractual clauses approved by regulatory authorities
Data processing agreements with third parties
Encryption and security measures during transfer

9. Changes to This Policy

We may update this Privacy Policy from time to time. If we make material changes, we will notify you by:

Email to your registered address
Prominent notice in our portal
Updating the "Last Updated" date at the top of this policy

Continued use of our Service after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: privacy@mojoverify.com
Data Protection Officer: dpo@mojoverify.com

We will respond to your inquiry within 30 days.