Fiatmo LLC ("Fiatmo," "we," "us," or "our") operates the Fiatmo website, mobile application, and related services (collectively, the "Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you access or use our Services. It also covers people who use parts of the Services without an account, such as someone who opens a share link (Section 6) or an anonymous chat link (Section 7).
By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree, please discontinue use of our Services immediately.
We collect information that you provide when you:
When you use our Services, we automatically collect:
We may receive information about you from:
Some features (such as the verified shield or running a personal site) require you to verify your identity, and we may ask you to verify it to meet our legal obligations. Verification is carried out by our identity verification providers. Depending on your country and the document you use, the provider collects images of your government-issued ID; your ID number (for example a national identification number, bank verification number, passport number, or driving licence number); a photograph or short video of your face; and a liveness check, and compares your face to your document. The number may be checked against the issuing authority's records.
Face images and liveness data are biometric data. We process them only with your explicit consent, which you give when you start a check, and only to confirm that you are who you say you are. You can use the Services without verifying your identity; features that require it will not be available.
The provider holds the images and the biometric data under its own terms. We receive and keep the result, your legal name as it appears on the document, the type of document and its country, and a one-way, keyed cryptographic hash of your ID number. We never keep the number itself or any image. The hash lets us tell when the same document is used on more than one account and enforce bans. Your legal name is shown on your profile only if you choose to show it. If you verify a business, we keep the registration documents you upload in private storage.
When you delete your account we delete our verification records and, where we have arranged it with the provider, ask the provider to delete theirs. A provider may retain records where the law requires it.
We use your information to:
Translation of posts, comments, and messages happens on your device. The content is not sent to us for that purpose.
We share your information in the following circumstances:
We do not sell your personal information, and we do not share it with advertising networks.
We retain your information for as long as your account is active or as needed to provide you the Services, comply with our legal obligations, resolve disputes, and enforce our agreements. Some periods are fixed:
Deleting your account. You can delete your account from the app's settings. Deletion takes effect after a 30-day grace period, during which you can sign back in to cancel it. After that we remove or anonymise your profile information: your name, username, email address, phone number, bio, location, photos, date of birth, and sign-in identifiers. Content you posted remains, shown as from a deleted user, unless you delete it first. Messages you sent remain in the other people's conversations. Share links you created stop being connected to you (Section 6). Records listed above as kept after deletion are kept.
When you share something from Fiatmo to somewhere outside Fiatmo — a messaging app, a social network, a printed QR code — we may create a share link: a short address that points at whatever you shared. The link records what you shared, that you were the one who shared it, and which app you said you were sending it to.
When someone opens one of your share links, we record the open. If they are signed in to Fiatmo we record which account opened it; if they are not, we record only a pseudonymous identifier from a cookie, which is not linked to any identity they have not established themselves. We also record the country their network reports, a salted and shortened one-way value derived from their network address, and whether the request came from a person or from a link-preview bot.
We do not tell you who opened your links. You are shown how many opens a link has received — never a list of people. That is a deliberate limit on the product, not only on this policy.
A share link cannot tell who a link was sent to. It only knows who opened it, and a link posted to a large group is indistinguishable from one sent to a single person.
Retention: open records are kept for 13 months, and the value derived from a network address is deleted after 30 days. Aggregate counts may be kept longer. Holding a share link never grants access to anything — whatever it points at applies its own privacy settings to whoever opens it.
If you delete your account, your share links stop being connected to you: the links keep working for people who already have them, but nothing records that they were yours, and the open records are stripped of anything identifying you.
A user can create an anonymous chat link. Anyone who opens it can chat with that user without revealing who they are, and without an account. If you open one, we create a temporary anonymous identity for you. We store a cookie in your browser, a keyed one-way value derived from your network address, your browser's identifying string, and the messages you send.
If you are signed in to Fiatmo when you open the link, we also record which account you are, so that abuse can be dealt with. The link's owner is never shown this and cannot identify you unless you choose to reveal yourself. If you do reveal yourself, the chat becomes part of your account.
Links stop accepting new chats 7 days after they are created, and a chat's records are deleted 7 days after it ends, unless they are needed for a report that is being reviewed. Anonymous chats are subject to our Terms and can be reported and blocked like any other conversation.
When you make a voice or video call, the audio and video travel through our calling provider and are encrypted in transit. We do not record calls, and we do not transcribe them.
We keep call records — who called, the conversation or community the call was in, whether it was audio or video, and when each participant rang, answered, joined, and left — and, during a call, technical quality measurements such as latency, packet loss, network type, and mobile network operator, which we use to diagnose problems. Call records are kept with your account.
Payments on Fiatmo (tickets, Premium, and other purchases) are processed by our payment providers. Card numbers are handled by the provider, not by us. When you save a card we keep a reference token, the last four digits, the card brand, its expiry, and its country so that you can use it again.
To withdraw a balance we collect your bank account number and the account name confirmed by your bank, and pass them to our payment provider to make the transfer. We keep records of your balances, transactions, withdrawals, and the exchange rate applied to each, and we may ask you to verify your identity (Section 2.4) before a withdrawal. Withdrawals are currently available in Nigerian naira only.
Our Services are not directed to children under the age of 13 (or such higher age as required by applicable law). We ask for your date of birth when you sign up and refuse accounts for anyone under the minimum age. Accounts created before we asked for a date of birth are asked to confirm it. We do not knowingly collect personal information from children under the minimum age; if we learn that we have, we delete it. If you believe a child has provided us with personal information, please contact us (Section 17) or write to childsafety@fiatmo.com.
Teen accounts. We derive an age band from your date of birth. The date itself is shown only to you; other users never see it. Accounts in the 13–17 bands receive protective defaults: direct messages only from accounts they follow, and, for 13–15 year olds, exclusion from search and suggestions. Some of these settings are locked for the teen.
Family Pairing. A parent or guardian can pair their account with a teen's. The parent can see and adjust the teen's privacy settings, set screen-time limits and quiet hours, and see how much time the teen spends in the app (a figure for today and for the last seven days). The parent cannot see the teen's messages or private content. Both sides are notified of every change.
Our Child Safety Standards describe how we handle concerns about a child's safety.
We implement commercially reasonable administrative, technical, and physical security measures to protect your information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.
We use cookies and similar technologies to collect and store information. These technologies help us:
We do not use cookies for advertising. You can manage your cookie preferences through your browser settings or through our cookie consent tool. Disabling certain cookies may affect the functionality of our Services.
Depending on your jurisdiction, you may have the following rights regarding your personal information:
Where the law requires a lawful basis for processing, we rely on: the performance of our contract with you (providing the Services you use); your consent (precise location, biometric identity checks, promotional messages), which you may withdraw; our legitimate interests (keeping the Services safe, preventing fraud, and improving them), balanced against your rights; and compliance with our legal obligations (tax, financial regulation, and child safety reporting).
To exercise any of these rights, please contact us at the information provided in Section 17. We will respond to your request within the time period required by applicable law. You may also complain to the data protection authority where you live. In Nigeria that is the Nigeria Data Protection Commission; we process personal data in accordance with the Nigeria Data Protection Act 2023 where it applies.
Your information may be transferred to, stored, and processed in countries other than your country of residence, including the United States and countries in Europe where our providers operate. These countries may have data protection laws that differ from the laws of your jurisdiction. By using our Services, you consent to the transfer of your information to countries outside your country of residence. We take appropriate safeguards to ensure that your information is treated securely and in accordance with this Privacy Policy.
Our Services may contain links to third-party websites, services, or applications that are not operated by us, including links that organisers add to their events. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party services. We encourage you to review the privacy policy of every site or service you visit.
We reserve the right to update or modify this Privacy Policy at any time at our sole discretion. When we make changes, we will update the "Last updated" date at the top of this page and, where required by law, provide you with notice of material changes. Your continued use of the Services after any modifications indicates your acceptance of the updated Privacy Policy. We encourage you to review this page periodically.
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at:
Fiatmo LLC
Email: privacy@fiatmo.com
Child safety: childsafety@fiatmo.com
Website: fiatmo.com/contact