Privacy Policy

Last Updated: 4th January, 2026

MuyuLink (“we,” “our,” or “us”) values your privacy and is fully committed to protecting personal data, financial information, and user-generated content across our ecosystem. This Privacy Policy describes in detail how we collect, use, store, protect, and disclose information when you access or use muyulink.com, including all wallet services, peer-to-peer (P2P) exchanges, marketplace tools, job and networking features, content monetization, and social interactions (collectively, the “Platform”).

By using MuyuLink, you consent to the practices described in this Privacy Policy.

1. Scope of This Policy

This Privacy Policy applies to all users, visitors, creators, merchants, employers, job seekers, and partners who interact with MuyuLink through web or mobile platforms. It covers data collected directly from users and data generated through platform activity.

2. Information We Collect

2.1 Personal Identification Information

We may collect personal data necessary to identify and verify users, including:

• Full legal name
• Date of birth
• Nationality and country of residence
• Profile photos and account details
• Government-issued identification documents (for KYC and compliance purposes)

2.2 Contact & Location Information

• Email address
• Phone number
• City, country, and general location
• Language preferences

2.3 Financial & Wallet Information

• Wallet balances and transaction history
• Funding and withdrawal methods
• Payment references and processor confirmations
• Verification documents required for regulatory compliance

MuyuLink does not store full card numbers or sensitive banking credentials.

2.4 User Activity & Content

• Posts, comments, blogs, vlogs, and media uploads
• Messages and in-app communications
• Job applications, listings, and marketplace activity
• Likes, follows, interactions, and engagement data

2.5 Device & Technical Data

• IP address
• Browser type and operating system
• Device identifiers and cookies
• Login timestamps and session logs

3. How We Use Your Information

We use collected data for the following purposes:

• To create, manage, and maintain user accounts
• To enable wallet services, P2P exchanges, and marketplace transactions
• To verify identities, prevent fraud, and ensure platform safety
• To provide customer support, dispute resolution, and moderation
• To personalize content, recommendations, and user experience
• To send service-related notices, updates, and security alerts
• To deliver marketing communications (with opt-out options)
• To comply with legal, regulatory, AML, KYC, and tax obligations

4. Legal Basis for Processing

Depending on jurisdiction, MuyuLink processes personal data based on:

• User consent
• Contractual necessity (providing platform services)
• Legal obligations
• Legitimate interests such as fraud prevention and platform security

5. Sharing & Disclosure of Information

MuyuLink does not sell or rent user data. Information is shared only when strictly necessary:

5.1 Service Providers & Partners

With trusted third parties such as:

• Payment processors
• Identity verification (KYC) providers
• Hosting, analytics, and security vendors

All partners are contractually bound to protect user data.

5.2 User-to-User Interactions

Limited information may be shared with other users solely to complete:

• P2P transactions
• Marketplace sales
• Job or service interactions

5.3 Legal & Regulatory Disclosure

We may disclose data if required by law, court order, or regulatory authority, or to protect the rights, safety, and integrity of MuyuLink and its users.

5.4 Fraud & Dispute Investigations

Information may be used or shared internally to investigate fraud, misuse, or violations of platform policies.

6. Wallet & Financial Privacy

• All financial data is encrypted in transit and at rest
• Wallet balances and transaction details are never publicly visible
• Access to financial systems is strictly restricted and monitored
• Records are maintained for compliance, audits, and dispute resolution

7. Cookies & Tracking Technologies

MuyuLink uses cookies and similar technologies to:

• Maintain login sessions
• Enhance security
• Remember user preferences
• Analyze usage and performance

Users may control cookies through browser settings; however, disabling cookies may limit functionality.

8. Data Retention

We retain personal data only for as long as necessary to:

• Provide services
• Comply with legal and regulatory obligations
• Resolve disputes and enforce agreements
• Maintain security and fraud prevention systems

When retention is no longer required, data is securely deleted or anonymized.

9. User Rights & Choices

Subject to applicable laws, users may:

• Access and review personal data
• Request corrections or updates
• Request account deletion (after clearing wallet balances and disputes)
• Restrict or object to certain processing
• Request a copy of stored personal data

Requests should be sent to: privacy@muyulink.com

10. Security Measures

We implement robust security practices, including:

• Data encryption
• Secure servers and access controls
• Continuous monitoring and fraud detection
• Multi-layer authentication

Users are responsible for safeguarding their passwords, devices, and login credentials.

11. International Data Transfers

MuyuLink may process and store data in multiple jurisdictions. Where data is transferred internationally, we ensure appropriate safeguards are in place to protect user privacy.

12. Children’s Privacy

MuyuLink is intended strictly for users aged 18 years and above. We do not knowingly collect or process data from minors. Accounts identified as belonging to underage users will be suspended and removed.

13. Updates to This Privacy Policy

We may update this Privacy Policy periodically to reflect legal, technical, or operational changes. Updates will be published on muyulink.com with a revised “Last Updated” date. Continued use of the Platform indicates acceptance of the updated policy.

14. Contact Information

For privacy-related questions, concerns, or data requests, please contact:

Email: privacy@muyulink.com

By using MuyuLink, you acknowledge that you have read, understood, and agreed to this Privacy Policy.