Last Updated: December 15, 2025
This Privacy Policy explains how MOA Protocol (“MOA,” “we,” “us,” or “our”) collects, uses, and protects users’ personal information in connection with the services we provide.
MOA is a company incorporated in the British Virgin Islands (“BVI”), and this Privacy Policy is governed by BVI law and applicable international data protection principles.
By accessing or using MOA’s websites, mobile applications, or related services, or by creating an account, you acknowledge that you have read, understood, and agreed to this Privacy Policy.
This Privacy Policy applies to websites, mobile applications, and related services that are directly operated and provided by MOA (the “Services”).
Services, websites, or platforms operated or controlled by third parties or MOA’s partners are governed by their own privacy policies, and this Privacy Policy does not apply to such third-party services.
MOA collects only the minimum information necessary to provide its Services.
Currently, the only personal information collected directly by MOA is:
MOA does not directly collect, store, or process the following types of personal information:
Personal information required for card issuance, payment processing, KYC/AML, or regulatory compliance is collected and processed independently by MOA’s third-party partners (such as card issuers, payment service providers, or KYC providers) in accordance with their own privacy policies.
MOA uses the collected email address solely for the following purposes:
Marketing and promotional emails are sent based on user consent, in accordance with applicable laws and international standards.
Users may opt out of such communications at any time.
Email addresses are retained only for as long as necessary to provide the Services and fulfill the purposes described in this Privacy Policy.
Upon account deletion or a request for deletion of personal information, MOA will delete the relevant information without undue delay, unless retention is required by applicable law.
MOA does not disclose users’ email addresses to third parties as a general rule.
Exceptions may apply in the following cases:
MOA’s servers and infrastructure may be located outside the user’s country of residence.
Accordingly, email addresses may be transferred to, stored, and processed in other jurisdictions.
By using the Services, users consent to such international transfers.
MOA implements reasonable technical and organizational measures to protect personal information, including:
However, due to the nature of the internet and network environments, MOA cannot guarantee absolute security.
Users may exercise the following rights at any time:
Requests may be submitted through the contact details provided below.
MOA’s Services are intended only for users aged 18 or older.
MOA does not knowingly collect personal information from individuals under the age of 18.
If such information is identified, MOA will promptly delete it and restrict access to the Services.
MOA does not collect advertising identifiers (such as IDFA) or engage in user behavior tracking through third-party advertising networks.
However, communications based on the user’s email address for MOA’s own services, updates, and promotional purposesmay be conducted in accordance with this Privacy Policy.
This Privacy Policy may be updated to reflect changes in applicable laws, Services, or internal policies.
Where material changes occur, MOA will provide notice within a reasonable period through the website or application.
For inquiries regarding this Privacy Policy or to exercise your rights, please contact us at:
This Privacy Policy is governed by the laws of the British Virgin Islands (BVI)