Welcome to the online and mobile financial services of UUMOO App and Website ("we," "our, “company”, “us”, “UUMOO”). This Privacy Policy explains how we collect, process, use, share, and protect your personal information. It applies to UUMOO's collection of information on our app, websites, services, and tools (collectively, our "Service(s)"). Please remember we may have a varied base of users, customers, and clients as well as we provide many of our services to companies, firms, startups, small and large businesses, schools, colleges, institutes, and other related fields. This Privacy Policy only applies to our own data practices, and not to the practices of third parties that we do not control.

By using our services, you agree to the terms of this Privacy Policy and our Terms Of Service. All references applicable to a “User (Pocket) and Merchants (Dokan),” as defined in the Terms of Service, apply to you. For purposes of this Privacy Policy, “YOU” may mean the representative of a company, firm, business, an owner of a startup/business, or an institute that uses any of our services.


The information we collect may include a variety of personal data collected about our users so we can provide you with a good user experience. Some of the information that is collected may be automatically for the different protocols that have been introduced over the years.

The range of information that we may collect from our users may include:

1.1 Information that is collected at the time of registration

  • Your NID Info

  • Your phone number

  • Your phone's IMEI number.

  • Your E-mail ID

  • Your contacts (only if you grant us access to contacts)

  • Search strings when queried from within the App, your location and IP address at the time of the query

  • SIM Serial number

  • Network Operator

  • Device ID; Internet Operating System and its Version

  • Your activities within the App

  • SMS permission

  • Contacts Permission

  • Storage Permission

  • Popup Permission

  • Geo-Location permission


Furthermore, we may collect personal information such as a username, first and last name, e-mail address, and other personal information when you register for a UUMOO account.


Note: UUMOO Application does use third-party services that may collect information used to identify you, which we do not take responsibility for. Link to the privacy policy of third party service providers  used by the app are stated below:

Google Play Services

 1.2. Data Collected During The Use Of Services

After you have set up your account with your phone, you may need to provide additional personal information such as bank details along with your VISA/Mastercard details, without which transactions would be impossible.

1.3. Personal Information means and includes all information that can be linked to a specific individual or to identify any individual, such as:

  • 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 UUMOO 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 UUMOO 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 billing purposes or otherwise, and the resources that You access whilst visiting our Website or mobile application

1.4. Monitoring User Activity

We may, at our discretion, monitor the user activity and communications that take place on our service, such as messaging or notes, to protect our users and monitor the workflow of our service. You do hereby confirm that you have no expectation of privacy to any such communications or postings, and you expressly consent to such monitoring.

We use all of the information from and about you to handle, maintain, operate, and provide to you the features of the app and our website services. We may use this collected information to communicate with you, such as to send you pop-up messages, email messages, opt-in text messages, and push notifications. We may also send emails and messages related to our services such as account verification, payment confirmation messages, account update message, other important messages that may become necessary such as heads up for system upgrade or downtime in the future for some reason. Since these messages are related to our important updates and services and a warning that you may not opt-out of these messages.


UUMOO 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 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 if we are required to provide your personal information to Merchants as part of the legal process

  • When we believe in good faith that disclosure is necessary to protect our rights, protect our safety or the safety of others, investigate fraud, or respond to a written government request.

  • If UUMOO 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.


3.1. What Is A Cookie?

Our website UUMOO ( uses cookies. A cookie is a file containing an identifier that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server. Cookies may be either “persistent” cookies or “session” cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

3.2. Cookies & Data have Collected Automatically

We may automatically collect certain types of usage information when you use UUMOO and its services. For example let’s say, when you visit our website we may send one or more cookies to your phones that identifies your browser and lets us help you log in faster and enhance your navigation through the site. A cookie may also convey information to us about how you use the service  (e.g., how often you access the service, and other actions you take on the service), and allow us to track the usage of your account of our service over time. This only helps us to make your experience better and gives us insights on how to improve our service quality for the future. We may also collect log files information about your mobile device each time you log in to access the service. The information in the log file may include information such as your web Internet Protocol ("IP") address, information about your cell phone device, domain address, and other such information. The information allows us for more accurate reporting and improvement of the service.

3.3. Data Analytics

In short data analytics is the science of examining data and conclude that information by applying algorithms to derive insights. Thus, to do that we may also collect analytics data, or use third-party analytics tools, to help us measure traffic data and users trends for the services. These software and tools may collect information sent by your cellphone, including the trends you have been associating with, and other information that assists us in analyzing and improving the service.

When you access our Service through a cellphone app, we may receive or collect and store a unique identification number associated with your cellphone, mobile network, device type (cellphone, tablet, etc) and manufacturer, your phone number, and, depending on your cellphone settings, your geographical location data, including GPS coordinates or similar information regarding the location of your cellphone.

We may use this data collected through cookies and cellphone usage, log file, device identifiers, location data, and clear gifs information to:

  1. remember this information so, you will not have to re-enter and re-login every time you visit or use our services;

  2. provide custom, personalized information, and content, including pop up messages and notifications;

  3. monitoring of our service and find out how effective it is;

  4. monitor traffic reports and visitors information  and finding out the key demographics patterns to see the global usage of our service and products;

  5. diagnose or fix problems that are related to our services; and

  6. other work that may enhance the quality of our service.


We know that data security is important. It’s important to us, it’s important to you. We use specific safeguards to protect and secure your personal information and other information. This goes for both the app and the website’s data protection. We care and protect your information with extreme caution and with high focus. However, no security system is unreachable and thus we cannot guarantee the safety of your personal information. Please read more about it in our Disclaimer.


We reserve the right to amend, change, delete, exchange any information from time to time. All the changes will be notified through our website. ( We encourage you to keep checking this Privacy Policy page from time to time. You will be deemed to be in acceptance of any new changes that we do and after that, you continue to use any or all of our services.