October 2025
This Privacy Notice explains how NALA Inc., Nala Payments LLC, and Mufasa Payments LLC (collectively known as “NALA”, “we”, “our”, “us”) collects, uses, discloses, and otherwise processes your personal information when you interact with any of our services (collectively, the “Services”). This includes situations where you:
This Privacy Notice applies to information collected online and offline and governs how we handle your personal information in connection with our Services.
We may update this Privacy Notice from time to time to reflect changes in our business practices, technology, legal obligations, or for other reasons. When we update the Privacy Notice, we will revise the “Last Updated” date at the top of this page.
If we make material changes, we will notify you by reasonable means. This may include:
We encourage you to review this Privacy Notice periodically to stay informed about our privacy practices. Your continued use of the Services following the posting of any updates constitutes your acceptance of those changes, unless otherwise stated.
We may be required or choose to provide additional notices to individuals in certain states or countries. Please refer below for disclosures that may apply to you:
We collect certain personal information about you in relation to your use of our services. This may include:
When registering, transacting, or contacting us, you may provide:
Also:
If you wish to participate in our referral program, please refer to the details of our Referral Program Terms and Conditions here. This forms the contractual agreement between you and us for the purposes of benefitting from our referral program.
Communications you send to us, (by telephone, email or otherwise), for example, to report a problem or to submit queries, concerns or comments regarding the Website, our service, or general comments.
Information Collected Automatically:
When you use the Services, we may automatically collect:
If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Notice, the Terms of Service, and applicable law.
Third-Party Data Sharing
To operate our services and comply with legal and regulatory obligations, NALA shares personal data with trusted third-party service providers only where necessary and under written contractual safeguards. These providers include:
2. How Do We Use Your Information?
We process your personal information for the following purposes:
i. Service Relationship, which includes:
ii. Communicating with you to provide you with information about our Services.
For example, to respond to your inquiries, resolve your problems and concerns, and in order to take steps prior to entering into a service engagement.
iii. Performing Service enhancement activities.
We use data like your activity on our Website and App, your device details, and your browsing behavior to make our Services better and easier to use. For example, we collect and look at clickstream data — things like which pages you visit, what you click on, and how you move through our site. This helps us understand what’s working (and what’s not), so we can improve how everything runs, personalize your experience, and show you content and offers that are more relevant to you.
iv. Ensuring proper administration of our business
which includes keeping appropriate records, training and quality assurance purposes, resolving complaints and managing our business relationships and opportunities.
v. Preventing, detecting and fighting fraud or other illegal or unauthorized activities
which includes monitoring operations, user activity, and networks for fraud prevention and crime detection purposes, including information from third parties who may monitor our Website and systems and alert us about suspicious activities, auditing our systems and deploying security measures.
vi. Request and verify by automated means your financial-related information,
as well as share it, where required, with the relevant authorities to comply with our legal obligations related to financial, Anti-Money Laundering and tax regulations, among others. When you enter in your personal details to obtain an initial quote using our service, we will check your identity and credentials provided through our third-party Know Your Customer / Anti-Money Laundering provider.
vii. Providing you with marketing communications about our Services:
We may use your personal information to provide you with information on related products and services that you may be interested in, such as other e-money and related payment services . This information will be provided electronically, either via our Website, App, or email. We will not transfer any of your personal data to third parties for this purpose unless you give us your explicit consent. You may opt out of this at any time by telling us, or if we have contacted you via email, you will be given an option to opt out by clicking the relevant email link.
viii. Product & advertising profiling:
We analyse your personal data to create profiles about your likely preferences and to inform how we develop our product and advertising. This may include segmenting users, tailoring in-product communications, prioritising features and otherwise improving our services. This processing does not involve sharing your personal data with third parties for them to create their own profiles.
Categories used & sources: we use information including identifiers (e.g. name, email, phone number, cookie/advertising ID's), account and transaction metadata, device/usage data, interaction and support history, and inferences we generate (segments such as "active user" and "likely to engage"). We do not use special-category data for this purpose.. Sources include you (when you provide details to us), your device, our service logs and analytics tools acting as our processors. We do not purchase third-party data or share your personal data with third parties for this purpose. Profiles are retained only as long as necessary for these purposes.
Your choices: you can object to profiling based on our legitimate interests at any time by clicking here in-app.
ix. Advertisers, targeting, & lookalike audiences:
We work with advertising platforms and use advertising tools (i) to target our existing customers with specific campaigns, (ii) to exclude our existing customers from certain campaigns, and (iii) to reach people who are similar to our customers (“lookalike” or “audience expansion” features). To do this, we may upload hashed identifiers (such as email or phone number) of our customers to the platform or allow the platform to collect identifiers via our website/app. The platform compares these identifiers to its users and builds or suppresses audiences accordingly. We and the platform each act as independent controllers for our respective processing; in some cases, we may be joint controllers with the platform for targeting and measurement.
Categories used & sources: identifiers (e.g., name, email, phone number, cookie/advertising IDs), commercial history, device/usage data (via cookies/SDKs), and general location. Sources include you (when you provide details to us), your device (when you use our services) and from our advertising partners. When we upload lists, they are hashed during upload for protection.
Your choices: you can manage your consent here at any time, object to our legitimate interests processing by contacting us, or you can also manage ads settings directly with the relevant platform(s).
x. To manage Cookies and Other Tracking Technologies:
Some browsers offer a "Do Not Track" (DNT) feature that lets you signal to websites that you do not want your online activities tracked. Currently, we do not respond to DNT signals. However, you may adjust your cookie preferences through our cookie consent tools and browser settings to control tracking.
Please see our Cookies Policy for more information on why we use cookies and how you can better control their use through your browser settings and other tools.
xi. To comply with our legal obligations,
as part of our general business operations, and for other business administration purposes. Where necessary, we may use your personal information to establish, exercise or defend legal claims in suspected or actual legal proceedings.
3. Sharing Your Information
In order to deliver and improve our Services, we may share your personal information with:
i. Our Service Providers and Partners:
We use third-parties to help us operate and improve our Services and facilitate the fulfilment of essential service functions. This includes trusted financial services partners, such as Priority Commerce, who assist with electronic fund transfers and banking services. When you use our Services involving EFTs, your identity and banking information is shared with these partners and processed according to their own privacy policies.
ii. In Corporate Transactions:
We may transfer your personal information if we are involved, whether in whole or in part, in a merger, sale, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy, or other change of ownership or control.
iii. When Required by Law:
We may disclose your personal information if reasonably necessary with regulators, law enforcement agencies or authorities or where mandatory under a court order:
iv. To Enforce Legal Rights:
We may also share information:
v. With other entities within NALA Group:
When it is necessary for operational reasons such as the use of a group-wide logistics and IT infrastructure and for any administrative purposes to organise, develop and deliver our services and products, run our organisation and decide on future strategies.
In certain circumstances, including where required by applicable law, we may ask for your consent to share your personal information with explicitly identified third-parties, including entities within NALA Group, so that they can contact you for marketing purposes or provide you with their own products or services. You can withdraw your consent at any time by emailing us at support@nala.com.
Note that we do not sell your personal information. Where consent is required, we will seek it in advance and provide opt-out options.
4. How Long Do We Keep Your Information?
We retain personal information for as long as necessary for the purposes set out above. When no longer needed, information is securely deleted or anonymized, unless required to be retained for legal or regulatory reasons. Examples include (but are not limited to) compliance with financial, tax, or AML laws, or for dispute resolution and litigation.
In case you have any questions related to personal information retention, please contact us at privacy@nala.money.
5. How Do We Protect Your Information?
We implemented reasonable physical, technical, and organizational security measures to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction.
In the event that any information under our control is compromised as a result of a breach of security, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps, in accordance with applicable laws and regulations.
6. Control Over Your Information
You have the right to:
7. Children’s Personal Information
Our websites and online services are not directed to, and we do not intend to, or knowingly, collect or solicit personal information from children under the age of 13. We do not knowingly collect information from children. If you believe a child has provided us with data, please contact us, and we will delete it promptly.
8. Third-Party Websites
We do not permit third parties to collect personal information about your online activities over time and across different websites when you use our Services. However, please note that when you navigate to third-party websites via links on our Website or App, those third parties may independently collect information, subject to their own privacy policies.
9. How Can You Contact Us?
If you have questions regarding your privacy and rights, please let us know how we can help.
If you are a California resident, you are entitled to certain rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA). These rights apply to personal information that we collect, use, and share in the course of doing business in California.
Right to Know:
You have the right to request that we disclose the following information about our collection and use of your personal information during the 12 months preceding your request (up to twice per 12-month period):
Right to Delete:
You have the right to request the deletion of the personal information we have collected from you, subject to certain limitations under applicable law (e.g., for compliance with legal obligations or internal business needs).
Right to Correct:
You have the right to request that we correct inaccurate personal information we hold about you.
Right to Opt-Out of Sale or Sharing:
We do not sell personal information in exchange for money. However, if in the future we engage in practices that meet the CCPA/CPRA’s definition of a “sale” or “sharing” (such as using cookies for cross-context behavioral advertising), you have the right to opt out.
If applicable, we will provide a clear link on our website labeled “Do Not Sell or Share My Personal Information” to facilitate this right.
Right to Limit Use of Sensitive Personal Information:
If we collect sensitive personal information (such as government ID, financial account information, or geolocation data), you have the right to limit its use to what is necessary for providing the requested service, unless we obtain your consent to use it for other purposes.
Right to Non-Discrimination:
We will not discriminate against you for exercising any of your CCPA/CPRA rights. This means we will not:
How to Submit a Request
To exercise any of your California privacy rights, you may contact us by:
In your request, please specify:
We may need to verify your identity before processing your request. This may include:
Please note: For security reasons, we do not accept privacy requests by fax.
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mamanala@nala.com
Nairobi, Kenya
Mirage Towers Tower 2, Floor 8
USA
NALA Payments LLC
221 River Street 9th Floor Hoboken, New Jersey, 07030
UK
International House, 64 Nile Street, London, United Kingdom, N1 7SR
The Netherlands
Johan Cruijff Boulevard 65, 1101DL Amsterdam
In the United Kingdom, NALA Payments Ltd is a registered EMD agent of Modulr FS Limited, which is an Electronic Money Institution authorised by the Financial Conduct Authority with firm reference number 900573. Electronic Money products are not covered by the Financial Services Compensation Scheme (FSCS). Customer funds will be held in one or more segregated accounts and safeguarded in line with the Electronic Money Regulations 2011. For more information please see Modulr’s UK Safeguarding Explanation here.
In the European Union, NALA Payments Netherlands B.V. is a partner of Modulr Finance B.V., a company registered in the Netherlands with company number 81852401, which is authorised and regulated by De Nederlandsche Bank (DNB) as an Electronic Money Institution (relationship number R182870) for the issuance of electronic money and payment services. Your account and related payment services are provided by Modulr Finance B.V. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act – for more information please see this link.
In the United States, Nala Inc. partners with financial services software company Sila Inc. (“Sila”) and Priority Technology Holdings Inc. (“Priority Commerce”), either directly or through its subsidiary Finxera, Inc. (NMLS #1168701) and/or its authorized affiliates, contractors and partners (including but not limited to the following Banks: Wells Fargo, N.A., Comerica Bank, Axos Bank, and Western Alliance Bank), to offer you electronic fund transfers and provide you with an account. Nala Inc. is a financial technology company, not a bank
Nala Payments LLC (NMLS: 2530895) is registered with the United States Treasury Financial Crimes Enforcement Network as a Money Services Business (MSB: 31000259865843) at 221 River St, 9th Floor, Hoboken, NJ 07030.
Nala Payments LLC is pre-operational and does not currently offer services.
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