Privacy Policy

1. Information We Collect

MellaPay LLC collects information necessary to provide secure money transfer services and comply with regulatory requirements:

• •Personal Information: Full legal name, date of birth, Social Security Number (SSN) or Tax ID, government-issued ID details
• •Contact Information: Email address, phone number, mailing address
• •Financial Information: Bank account details and transaction history. Funding runs on bank rails through our sponsor bank, and MellaPay does not store card numbers.
• •Device Information: IP address, browser type, device identifiers for security purposes

2. How We Use Your Information

• •Process and complete money transfers to recipients
• •Verify your identity and prevent fraud (KYC/AML compliance)
• •Comply with legal and regulatory obligations
• •Send transaction confirmations and important account updates
• •Improve our services and customer experience
• •Protect against unauthorized transactions and security threats

3. Information Sharing

We do NOT sell your personal information. We may share information only in the following circumstances:

• •Banking Partners: To complete transfers — licensed and regulated financial institutions in the United States and Ethiopia
• •Regulatory Bodies: As required by law (FinCEN, OFAC, state regulators)
• •Service Providers: Identity verification, fraud prevention, customer support
• •Legal Process: In response to valid legal requests or to protect our rights

4. Data Security

We implement industry-leading security measures to protect your information:

• •256-bit SSL/TLS encryption for all data transmission
• •Funding handled on regulated bank rails through our sponsor bank
• •Multi-factor authentication (MFA) for account access
• •Regular security audits and penetration testing
• •Encrypted storage of sensitive data (card details never stored)

5. Your Rights

You have the following rights regarding your personal information:

• •Access: Request a copy of your personal data
• •Correction: Update inaccurate or incomplete information
• •Deletion: Request deletion of your data (subject to legal retention requirements)
• •Opt-out: Unsubscribe from marketing communications

Note: We are required by law to retain certain records for 5 years after account closure.

6. Cookies & Tracking

We use essential cookies for authentication, security, and fraud prevention. We do not use third-party advertising cookies. Analytics cookies help us improve our service and may be disabled in your browser settings.

7. Contact Us