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Website Terms and Conditions of Use:

These Terms of Use ("the Terms of Use") govern your ("the User" / "You") use of the (moni365.com, owned and run by MONI LIMITED (Registration Nr.: 3050154, Tax Nr.: 73006437) doing business as Moni365 ("MONI", "we" or "us" and terms of similar meaning) and they govern Your use of the MONI services (the "Services") offered through Moni365 online platform (the "Platform"). The MONI Platform may be either accessed directly through the MONI website (https://moni365.com/en-CA/). By accessing and using the Website, the User agrees to be bound by the Terms of Use set out in this legal notice. If the User does not wish to be bound by the Terms of Use, the User may not access, display, use, download, and/or otherwise copy or distribute any Content obtained from the Website. The Terms of Use become effective when you access the site for the first time and constitute a binding agreement between MONI LIMITED and the User, which will always prevail. The current version of the Terms of Use will govern our respective rights and obligations each time you access this site.

By accessing and using the Website the User agrees and acknowledges that MONI LIMITED will be processing the User’s personal information and / or use of the Website in order to render the Online Services. MONI LIMITED confirms that it will process the personal information of the User in accordance with the provisions of the Protection of Personal Information Act, Act 4 of 2013, and that appropriate security safeguard measures have been implemented to protect the personal information. Personal information will only be processed for a legitimate business purpose and will only be shared with a third party where it is necessary to render the Online Services or is required by law.

The User accordingly consents to:

1) MONI LIMITED processing their personal information in order to provide the Online Services which includes, but is not limited to, processing the information with risk information agencies (where applicable), for the purposes of evaluating and processing the User’s request, to ensure that the most competitive rates are received; and

2) MONI LIMITED transmitting the information provided by the User, on the electronic e-quote form –

• to the provider whose illustrative quote the User wishes to discuss, for the purposes of the provider to contact the User and conclude the relevant offer; and

• to affiliated partners, for the purposes of them responsibly marketing their products and services to the User.

In the event that the User’s session on the Website is suspended and / or the User does not finalise a transaction, MONI LIMITED will attempt to contact the User in order to establish whether MONI LIMITED can be of any further assistance and / or whether the User experienced any difficulties. Should the User so request, his / her details will be removed and / or not processed further by MONI LIMITED. Should the User wish to receive a quote, the User will be prompted further to agree to the processing of the User’s information in order for MONI LIMITED to render the Online Services. Should the User not agree to such processing, MONI LIMITED will suspend the service and will not be able to provide the User with the Online Services. The User will be prompted as to whether the User wishes to receive further marketing material, updates or direct marketing from MONI LIMITED and / or its affiliates by providing his / her consent. Should such consent be withheld, MONI LIMITED and / or its affiliates undertakes not to direct any such marketing material, updates or direct marketing to the User.

Where a User has previously agreed to MONI LIMITED processing their personal information and / or to receiving marketing or marketing related material from moni365.com, this consent will remain in force until the User has requested moni365.com to refrain from such processing.

Online Services:

MONI LIMITED's online products and services ("Online Services") are subject to registration procedures and approvals, which MONI LIMITED may accept or reject at their sole discretion.

Costs and Commissions Payable:

moni365.com is free to use, and commission free. We make money simply by charging our partners a fee when a customer chooses to find out more about their products. This fee does not influence the price you pay. The price you see is sourced real-time whenever possible from the providers' database and does not include any hidden fees or charges.

Privacy and Security:

MONI LIMITED receives various types of information ("the Information") from Users who access the Website. MONI LIMITED makes every effort to protect any Information received by it. Despite such undertaking, it is possible for Internet-based communications to be intercepted. Without the use of encryption, the Internet is not a secure medium and privacy cannot be ensured. Internet e-mail is vulnerable to interception and forging. MONI LIMITED will not be responsible for any damages the User or any third party may suffer as a result of the transmission of confidential or personal information that the User submits to MONI LIMITED through the Internet, or that the User expressly or implicitly authorises MONI LIMITED to receive, or for any errors or any changes made to any transmitted information. To ensure acquaintance with and awareness of the privacy measures and polices of MONI LIMITED, the User is urged to read and understand MONI LIMITED's Privacy and Security Policy, outlining MONI LIMITED's commitment to the User's privacy and the security of their personal information.

Updating of these Terms and Conditions:

MONI LIMITED reserves the right to, amend, change, modify, add to or remove from portions or the whole of the Terms of Use from time to time. Changes to the Terms of Use will become effective upon such changes being posted to the Website. By accessing the Website You are bound to the version of the Terms of Use published here at the time of any visit to the Website. You agree to view the current version each time you access the Website. The User's continued use of this Website following the posting of changes or updates will be considered notice of the User's acceptance to abide by and be bound by the Terms of Use, including such changes or updates. MONI LIMITED reserves the right to make any changes to the Website, the Content, or to products and/or services offered through the Website at any time and without notice. A certificate signed by the administrator responsible for maintaining the Website will be prima facie proof of the date of publication and content of the current version and all previous versions of the Terms of Use.

Copyright and Intellectual Property Rights:

MONI LIMITED provides certain information (“the Content”) on the Website. Content currently or anticipated to be displayed at this Website is provided by MONI LIMITED, its affiliates and/or subsidiary, or any other third party owners of such content, and includes but is not limited to Literary Works, Musical Works, Artistic Works, Sound Recordings, Cinematograph Films, Sound and Television Broadcasts, Program-Carrying Signals, Published Editions and Computer Programs. All such proprietary works, and the compilation of the proprietary works, are copyright of MONI LIMITED, its affiliates or subsidiary, or any other third party owner of such rights (“the Owners”), and is protected by South African and International copyright laws. Accordingly, any unauthorised copying, reproduction, retransmission, distribution, dissemination, sale, publication, broadcast or other circulation or exploitation of the Content or any component thereof will constitute an infringement of such copyright and other intellectual property rights; save that you may use the materials or any component thereof for your own internal purposes and for the purposes of ordering service/s from MONI LIMITED.

Without limiting the generality of the aforementioned, the User is authorised to view, download and copy to a local hard drive or disk, print and make copies of such printouts, provided that:

• the Content is used exclusively for considering the use of the Online Services and for no other commercial purposes; and

• any reproduction of the proprietary Content from the Website or a portion/s of it must include MONI LIMITED’s copyright notice in its entirety.

The trademarks, names, logos and service marks (collectively "Trademarks") displayed on the Website are the registered and unregistered Trademarks of MONI LIMITED, its affiliates and/or subsidiary, or any other third party owners of such content. Nothing contained on the Website should be construed as granting any license or right to use any Trademark without the prior written permission of MONI LIMITED and / or its affiliates and/or subsidiary, or any other third party owners of such content. Except as specified in the Terms of Use, the User is not granted a license or any other right including without limitation under Copyright, Trademark, Patent or other Intellectual Property Rights in or to the Content and Trademarks. All rights in and to the Content and Trademarks is reserved and retained by MONI LIMITED and/or the Owners, as the case may be.

Irrespective of the existence of Copyright, the User acknowledges that MONI LIMITED and/or the Owners, as the case may be are the proprietors of all the Content and Trademarks on the Website, whether it constitutes confidential information or not, and that the User has no right, title or interest in any such material.

Limited License to General Users:

• MONI LIMITED grants to the User, subject to the further terms of the Terms of Use, a non-exclusive, non-transferable, limited and revocable right to access, display, use, download and otherwise copy the current and future Content for personal, non-commercial and information purposes only.

• This Website and the Content may not be reproduced, duplicated, copied, resold, visited or otherwise exploited for any commercial purpose without the express prior written consent of MONI LIMITED.

• The license does not allow the User to collect product or service listings, descriptions or other information displayed here, and does not allow any derivative use of this Website or the Content for the benefit of another merchant.

• The User may not frame nor use framing technologies to enclose the Website or the Content nor any part thereof without the express written consent of MONI LIMITED

• The User is restricted to use the Website and Content, only for lawful purposes and warrants that he/she shall not:

• use the Website to transmit material which is in violation of any law or regulation, which is obscene, threatening, racist, menacing, offensive, defamatory, in breach of an duty of confidence, in breach of any intellectual property rights, or otherwise objectionable or unlawful; and

• other than for personal and non-commercial use, store on a computer, or print copies of extracts from the Website, and other than for personal and non- commercial use, "mirror" or cache any of the Content of Website on a server, or copy, adapt, modify or re-use the text or graphics obtained from the Website, without the prior written permission of MONI LIMITED.

• MONI LIMITED does not offer products or services to minors. If you are under the age of 18, you may not respond to or otherwise accept or act upon any offers in the Website.

• MONI LIMITED, their affiliates or subsidiaries reserve the right to refuse service, terminate accounts, remove or edit Content, or cancel orders at their sole discretion.

• Any unauthorised use terminates this license.

Permission for Hyperlinks, Deep Linking, Crawlers and Metatags:

No User may establish a hyperlink, frame, metatag or similar reference, whether electronically or otherwise (collectively referred to as “Linking”), to the Website or any subsidiary pages before receiving MONI LIMITED’s prior written approval, which may be withheld or granted subject to the conditions MONI LIMITED may specify from time to time.

An application for Linking must be submitted to info@moni365.com . Once received MONI LIMITED will do its best to respond and enter into further discussions with the User. If the User does not receive a written response from MONI LIMITED within five business days, the User must consider the request as having been rejected.

A breach of this provision entitles MONI LIMITED to take legal action without prior notice to the User and the User agrees to reimburse MONI LIMITED with the costs associated with such legal action, on an attorney and own client scale.

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Hyperlinks: :

Notwithstanding the fact that hyperlinks exist, in the Terms and Conditions, to facilitate access to notices, policies and legislation that are incorporated into the Terms and Conditions, the User agrees that in those instances, where some or all of the hyperlinks malfunction or are not operational, such occurrence shall not affect the validity or enforceability of the Terms and Conditions. The User undertakes to, at their own convenience and discretion, review and acquaints themselves with necessary documents and/ or terms.

External Links:

A cookie is a piece of information that is placed automatically on your computer’s hard drive when you access the site. The cookie uniquely identifies your browser to the server. Cookies allow us to store information on the server to help make the Web experience better for you and to conduct site analysis and Web site performance review as well as optimize marketing. Most Web browsers are set up to accept cookies, although you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Note, however, that some portions of our site may not work properly if you refuse cookies. The personal information they collect is aggregated and does not link to personal information.

Cookies:

A cookie is a piece of information that is placed automatically on your computer’s hard drive when you access the site. The cookie uniquely identifies your browser to the server. Cookies allow us to store information on the server to help make the Web experience better for you and to conduct site analysis and Web site performance review as well as optimize marketing. Most Web browsers are set up to accept cookies, although you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Note, however, that some portions of our site may not work properly if you refuse cookies. The personal information they collect is aggregated and does not link to personal information.

Crawlers and Spiders:

The User undertakes not to use any technology to search and /or gain information from the Website without MONI LIMITED’s written consent.

Software Downloads:

Software, if any, made available for download on or via the Website may be governed by license conditions that establish a legal relationship with the licensor. The User indemnifies MONI LIMITED against any breach of these license conditions. MONI LIMITED gives no warranty and makes no representation, whether express or implied, as to the quality or fitness for purpose of the use of such software.

No warranty, whether express or implied, is given that any files, downloads or applications available via the Website is free of viruses, Trojans, bombs, time-locks or any other data or code which has the ability to corrupt or affect the operation of the User’s computer, database, network or other information system.

Termination, Suspension and Limitation:

MONI LIMITED reserves the right to:

• modify, suspend or discontinue the Website, whether temporarily or permanently, without notice;

• impose limits or conditions on certain services, features or functions; and

• restrict access to parts of or all of the services on the Website.

Disclaimer and Limitation of Liability:

Although MONI LIMITED has taken reasonable care to ensure that the Content on the Website is accurate and that the User will not suffer loss or damage as a result of their use of the Website, the Website is provided on an “as is” basis. Use of the Website is entirely at the User’s own risk. The User assumes full responsibility for any loss or damage resulting from their use of the Website and their reliance on any of the Content or a part/s thereof, contained on the Website.

The Website and all Content on the Website, including any current or future offer of products or services, are provided on an “as is” basis, and may include inaccuracies or typographical errors. MONI LIMITED makes no warranty or representation as to the availability, accuracy or completeness of the Content. Neither MONI LIMITED nor any holding company, affiliate or subsidiary of MONI LIMITED, shall be held liable for any direct or indirect, special, consequential or other damage of any kind whatsoever suffered or incurred, related to the use of, or the inability to access or use the Content or the Website or any functionality thereof, or of any linked website, even if MONI LIMITED is expressly advised thereof.

Without derogating from the generality of the above, MONI LIMITED will not be liable for:

• any interruption, malfunction, downtime or other failure of the Website or related database, system or network, for whatever reason;

• any loss or damage in respect of customer data or other data, directly or indirectly, caused as a result of any malfunction of the Website or related database, system or network, power failures, unlawful access to or theft of data, computer viruses or destructive code on MONI LIMITED’s Website or related database, system or network, programming defects or negligence; or

• any event over which MONI LIMITED has no direct control.

Indemnity:

The User unconditionally and irrevocably indemnifies and holds MONI LIMITED harmless against all and any loss, liability, actions, lawsuits, proceedings, costs, demands and damages of all and every kind, (including direct, indirect, special or consequential damages), and whether in an action based on contract, negligence or any other action, arising out of or in connection with the failure or delay in the performance of the services offered on the Website, the use of the services offered on the Website, the Content available on the Website or any other matter, directly or indirectly, related to the User’s use of the Website, whether due to MONI LIMITED’s negligence or not.

Choice of Law:

This Website is controlled, operated and administered by MONI LIMITED from its offices as set out below. MONI LIMITED makes no representation that the Content is appropriate or available for use in any other locations or countries than the Republic of South Africa. Access to the Website from territories or countries where the Content is illegal, is prohibited. The User may not use this Website in violation of South African export laws and regulations. If the User accesses this Website from locations outside of South Africa, that User is responsible for compliance with all local laws. These Terms and Conditions shall be governed by the laws of the Republic of South Africa.

If any of the provisions of these Terms and Conditions are found by a court of competent jurisdiction to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions, and the remainder of these Terms and Conditions shall continue in full force and effect.

General:

The headings of the clauses in the Terms of Use are provided for convenience and ease of reference only and will not be used to interpret, modify or amplify the terms of the conditions.

The Terms of Use are severable, in that if any provision is determined to be illegal or unenforceable by any court of competent jurisdiction, then such provision shall be deemed to have been deleted without affecting the remaining provisions of the Terms of Use.

MONI LIMITED’s failure or delay to exercise any particular right or provision of the Terms of Use shall not constitute a waiver of such right or provision, whether this is done expressly or implied, nor will it affect the validity of any part of the Terms of Use or prejudice MONI LIMITED’s right to take subsequent action against the User, unless acknowledged and agreed to by MONI LIMITED in writing.

Neither the User nor MONI LIMITED, shall be bound by any express, tacit or implied representation, warranty, promise or the like not recorded herein. The Terms of Use supersede and replace all prior commitments, undertakings or representations, whether written or oral, between the User and MONI LIMITED in respect of the subject matter hereof.

MONI LIMITED shall be entitled to cede, assign and delegate all or any of its rights and obligations in terms of these Terms and Conditions.

Should MONI LIMITED be prevented from fulfilling any of its obligations to you as a result of any event of force majeure, then those obligations shall be deemed to have been suspended to the extent that and for as long as MONI LIMITED is so prevented from fulfilling them and your corresponding obligations shall be suspended to the corresponding extent. In the event that force majeure continues for more than fourteen days after it has fist occurred then MONI LIMITED shall be entitled (but not obliged) to terminate all of its rights and obligations in terms of or arising out of these Terms and Conditions by giving notice to the User. An "event of force majeure" shall mean any event or circumstance whatsoever which is not within the reasonable control of including, without limitation, vis major, casus fortuitus, any act of God, strike, theft, riots, explosion, insurrection or other similar disorder, war (whether declared or not) or military operations, the downtime of any external telecommunications line, power failure, international restrictions, any requirement of any international authority, any requirement of any government or other competent local authority, any court order, export control or shortage of transport facilities.

The Terms of Use, as varied by MONI LIMITED from time to time, constitutes the entire and sole agreement between MONI LIMITED and the User with regard to the use of the Content and this Website.

MONI LIMITED provides an electronic platform that facilitates the aggregation of quotes from various different providers and industries. This facility allows the consumer to efficiently compare quotes from the different service providers.

Consumers can access a full record of the transaction via submitting an email request to info@moni365.com The quotes presented, are based on limited information, provided by the User on the electronic e-quote form.

The quotes are therefore only illustrative and not a binding offer. The quotes are subject to change, based upon the verification and further consideration of more comprehensive risk related information that you will be required to disclose, when you agree to the provider contacting you.

Any reference to or use of a product, service or process of a third party does not imply recommendation, approval or affiliation of the product, services or process by moni365.com.

Last Updated: March 28, 2021

Introduction
At MONI LIMITED (Registration Nr.: 3050154, Tax Nr.: 73006437), doing business as Moni365 ("MONI", "we" or "us" and terms of similar meaning), we are committed to your privacy. This policy (the "Privacy Policy") outlines how we collect, use, transfer and disclose your Personal Information (as defined below) in using our online platform (the "Platform") and/or utilizing the services offered through the Platform ("Services"). The MONI Platform may be either accessed directly through the MONI website (https://moni365.com/en-CA/) or through the website of our network of referral partners and affiliates (the "Referral Partners")
MONI has developed policies and procedures consistent with the Personal Information Protection and Electronic Documents Act ("PIPEDA"), and other relevant privacy laws. By accepting this Privacy Policy in registration or by visiting and using the Platform and/ utilizing the Services, you accept this Privacy Policy and expressly consent to our collection, use and disclosure of your Personal Information in accordance with this Privacy Policy. This Privacy Policy is incorporated into and subject to our Terms of Service.

Scope
This Privacy Policy governs our practices to the collection, use and disclosure of Personal Information that we collect from identifiable individuals, including users of the Services, and any individual that provides us with their Personal Information, for example visitors to our website ("Users").

Information We Collect
a. Personal Information
Personal Information is any information recorded in any form that identifies or can identify an individual and includes any information provided to us by you, including in using the Platform or Services.
Personal Information about you that we may collect includes, but is not limited to:

• Contact information such as your name, address, title, phone number, email address.
• Information to verify your identity such as date of birth, driver’s licence, passport number, and social insurance number.
• Financial information such as housing status, total annual income, total monthly debt payments and employment status.
• Credit file information, including credit account and collection information.
• Loan information such as loan amount, loan term, and purpose.
• Your communications – this includes any communications and personal information that you provide through our messaging system, email or other correspondence directed to us, or comment and feedback forms.

Please note that disclosure of your social insurance number is not required to use our Services, but providing it will increase the likelihood of us correctly verifying your information.

b. Non-Personally Identifiable Information
Personal Information does not include information that is aggregated or anonymized in such a manner that it cannot be connected to you or any User ("Non-Personally Identifiable Information" or "NPI"). Such information by itself or together cannot be tracked to a specific individual’s Personal Information.
We collect NPI about Users when they interact with the Platform or use the Services. NPI may include, but is not limited to, device information, IP address, geo-location information, browser name, type of computer or device, and technical information about a User’s means of connecting to the Platform, such as operating system, Internet service provider utilized, and mobile network information.

Definitions
To better understand this Privacy Policy, MONI has set out some basic definitions to use when reading and interpreting it.

• Collection: the act of gathering, acquiring, recording, or obtaining Personal Information from any source, including third parties, by any means.
• Consent: voluntary agreement to the collection, use and disclosure of Personal Information for defined purposes. Consent can be either express or implied and can be provided directly by the individual or by an authorized representative. Express consent can be given orally, electronically or in writing, but is always unequivocal and does not require any inference on the part of MONI. Implied consent is consent that can reasonably be inferred from the circumstances or from an individual’s action or inaction.
• Disclosure: making Personal Information available to a third party for that party’s own use.
• Personal Information: information about an identifiable individual that is recorded in any form.
• Transfer: making Personal Information available to a third party for processing, storage or otherwise, solely to be used on behalf of MONI.
• Use: the treatment, handling and management of Personal Information by and within MONI.

Principles
ADC’s Privacy Policy is organized along the ten privacy principles of PIPEDA.

Principle #1 - Accountability
MONI is responsible for the Personal Information under our possession and control. We have designated a Privacy Officer to be responsible for our compliance with this Privacy Policy and privacy legislation.
Accountability for MONI's compliance with the provisions of MONI's Privacy Policy rests with the Privacy Office within MONI, which shall designate one or more persons to be accountable for compliance with the MONI policy. Other individuals within MONI may be delegated to act on behalf of designated person(s) or to take responsibility for the day-to-day collection and processing of Personal Information. The Privacy Office has been created to ensure Users have a designated avenue to answer their privacy-related inquiries.
MONI shall make known, upon request, the title of the person or persons designated to oversee MONI's compliance with this policy.
MONI is responsible for Personal Information in its possession or custody, including information that has been transferred to a third party for processing. MONI shall use contractual or other means to provide a comparable level of protection while the information is being processed by a third party. MONI shall implement policies and practices to give effect to these principles, including:

• Implementing procedures to protect Personal Information;
• Establishing procedures to receive and respond to complaints and inquiries;
• Training staff and communicating to staff information about the organization’s policies and practices; and
• Developing information to explain the organization’s policies and procedures.

Principle #2 – Identifying Purposes
Personal Information
MONI collects Personal Information for the following purposes:

• to provide Services to our Users;
• to establish and maintain responsible commercial relations and to communicate with you in order to provide service. This includes, but is not limited to, communications relating to advertising, promotion and verification;
• to respond to any correspondence you may direct to us;
• to understand, research, and improve our Services, including User feedback;
• to communicate with you regarding customer service issues and/or product or service issues;
• to direct advertisements to you about our company and our products and services that may be of interest to you;
• to enforce our Terms of Service and other legal agreements;
• to provide you with system or administrative messages;
• to meet legal and regulatory requirements; and
• for any other reasonable purposes for which you may have provided your express consent or in which your consent can be reasonably implied.

Non-Personally Identifiable Information
In an ongoing effort to better understand and serve the users of our Services and improve our Service and user functionality, we conduct research on our customer and User demographics, and behavior based on Personal Information and other information that we have collected. This research may be used by MONI to analyze and improve our services to our customers, including the usage and evolution of the Platform. This research will be compiled and analyzed on an aggregate basis and this aggregate does not identify any individual and therefore is considered and treated as Non-Personally Identifiable Information under this Privacy Policy. We may share such information to third party business partners.

Principle #3 - Consent
The knowledge and consent of the individual are required for the collection, use, or disclosure of Personal Information, except in certain circumstances as described below.
In certain circumstances, Personal Information can be collected, used, or disclosed without the knowledge and consent of the individual. For example, legal, medical or security reasons may make it impossible or impractical to seek consent. When information is being collected for the detection and prevention of fraud or for law enforcement, seeking the consent of the individual might defeat the purpose of collecting the information. Seeking consent may be impossible or inappropriate where there is an emergency threatening the individual's life, health or security, or where the individual is a minor, seriously ill, or mentally incapacitated. In other instances, information may be publicly available.
Where appropriate, MONI will generally seek consent for the use or disclosure of the information at the time of collection. In certain circumstances, consent with respect to use or disclosure may be sought after the information has been collected but before use (for example, when MONI wants to use information for a purpose other than those identified above).
In obtaining consent, MONI will use reasonable efforts to ensure that a User is advised of the identified purposes for which Personal Information collected will be used or disclosed.
The form of consent sought by MONI may vary, depending upon the circumstances and type of information disclosed. In determining the appropriate form of consent, MONI shall take into account the sensitivity of the Personal Information and the reasonable expectations of its customers and users.
MONI will seek consent when the information is likely to be considered sensitive, such as obtaining a credit check. Implied consent will generally be appropriate where the information is less sensitive. In certain circumstances, your consent may be implied by your actions. For example, indicating that you wish to compare loan options, and then providing us with your relevant financial and credit information and proceeding with an affirmative action (for example pressing the ‘Apply’ button), is implied consent to use such information to provide you with the associated services including disclosing this information to third party lenders (see Principle #5 – Limiting Use, Disclosure and Retention).
With respect to Personal Information already collected by MONI prior to the publication of this Privacy Policy, this Privacy Policy will constitute reasonable notice to MONI's current Users of the purposes and uses for which such Personal Information has been collected. Should an individual object to these ongoing uses or disclosures, consent may be withdrawn upon providing notice to MONI in writing.
You may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice, however, withdrawing consent may result in our inability to provide you with certain Services. In order to withdraw consent, you must provide notice to MONI in writing.

Principle #4 – Limiting Collection
MONI will limit the collection of Personal Information to that which is necessary for the purposes identified by MONI. MONI will collect information by fair and lawful means.
MONI collects Personal Information from its Users for the purposes described under Principle #2. MONI may also collect Personal Information from such third parties as employers of Users or other third parties that represent they have the right to disclose the information.

Principle #5 – Limiting Use, Disclosure and Retention
Unless required by law, or in connection with a business transaction, MONI shall not use or disclose or transfer Personal Information for any purpose other than those described above without first identifying and documenting the new purpose and obtaining your consent, where such consent may not reasonably be implied.
MONI may disclose or transfer your Personal Information in the following instances:

• To Provide Services – as part of our Services, we may disclose your Personal Information to third-party financial lenders for the purpose of evaluating your eligibility to receive financing pre-approval from their financial institutions.
• Our Service Providers – we may provide your Personal Information for processing and handling to our service providers that help us with our business operations and developing our products and services. We require our service providers to keep your Personal Information secure. In addition, our service providers may not use or disclose Personal Information for any purpose other than providing the services on our behalf unless we or they have obtained your consent. MONI takes reasonable contractual or other measures to protect your Personal Information while processed or handled by such service providers.
• Our Referral Partners – in the event that you access the Platform using or through the website of a Referral Partner ("Your Referral Partner"), we may, at the request of the Referral Partner, disclouse your Personal Information to Your Referral Partner. The treatment of such disclosed Personal Information will be governed by the privacy policy of Your Referral Partner.

Third Party Services
The Services may allow you to connect with other websites, products, or services to enhance your experience. Your use of these third party services is entirely optional. We are not responsible for the privacy policies and/or practices of these third party services, and you are responsible for reading and understanding those third party services’ privacy policies.

Principle #6 - Accuracy
Personal Information will be as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used.
The extent to which Personal Information will be accurate, complete and up-to-date will depend upon the use of the information, taking into account the interests of the individual. Information will be sufficiently accurate, complete, and up-to-date to minimize the possibility that inappropriate information may be used to make a decision about that individual.
MONI will update Personal Information about Users as and when necessary to fulfill the identified purposes or upon notification by the individual.

Principle #7 - Safeguards
MONI will protect Personal Information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. The nature of the safeguards will vary depending on the sensitivity of the information that has been collected, the amount, distribution and format of the information, and the method of storage.
We take administrative, technical and physical measures to safeguard your Personal Information against unauthorized access, unauthorized disclosure, theft and misuse. This includes limiting access of employees to, and the use of, your Personal Information through the use of passwords and graduated levels of clearance. We do not publish all of our security measures online because this may reduce their effectiveness. We take physical precautions to ensure that the computer servers on which your Personal Information is stored and archived are secure and in a controlled environment with limited access. We utilize access and firewall controls for our computer services and encrypt Personal Information where appropriate. We educate our employees with respect to their obligations to protect your Personal Information.
MONI makes its employees aware of the importance of maintaining the confidentiality of Personal Information. All of MONI's employees with access to Personal Information will be required as a condition of employment to contractually respect the confidentiality of Personal Information.
MONI will protect Personal Information it discloses to third parties through contractual agreements stipulating the confidentiality of the information and the purposes for which it is to be used.
Although we take precautions against possible breaches of our security systems, no company can fully eliminate the risks of unauthorized access to your Personal Information and no website is completely secure. We cannot guarantee that unauthorized access, hacking, data loss or breaches of our security systems will never occur.

Principle #8 - Openness
MONI shall make readily available to our Users specific information about its policies and practices relating to the management of Personal Information.
MONI will make information about its policies and practices easy to understand, including:

• The title and address of the person(s) accountable for MONI's compliance with the policy and to whom inquiries or complaints can be forwarded;
• The means of gaining access to Personal Information held by MONI; and
• A description of the type of Personal Information held by MONI, including a general account of its use.

Principle #9 - Individual Access
Upon request, MONI will provide information to a User regarding the existence, use and disclosure of his or her Personal Information. MONI will respond to an application for individual access to Personal Information within a reasonable time and at minimal or no cost to the individual. A User may challenge the accuracy and completeness of the information and have it amended as appropriate.
NOTE: In certain circumstances, MONI may not be able to provide access to all the Personal Information it holds about a User. Exceptions may include information that is prohibitively costly to provide, information that contains references to other individuals, information that cannot be disclosed for legal, security or commercial proprietary reasons, or information that is subject to solicitor-client or litigation privilege. MONI will provide the reasons for denying access upon request.

Principle #10 - Challenging Compliance
An individual may address a challenge concerning compliance with this Privacy Policy to MONI's Privacy Officer.
MONI will maintain procedures for addressing and responding to all inquiries or complaints from Users about MONI's handling of Personal Information. MONI shall investigate all complaints. A User shall direct all inquiries or complaints involving MONI's handling of Personal Information or compliance with this policy or with PIPEDA to MONI's Privacy Officer.
The Privacy Officer will respond to all such inquiries or complaints within 14 business days of receipt. The Privacy Officer will make reasonable efforts to resolve all such complaints within 30 days of receipt of the initial complaint. If MONI finds a complaint to be justified, it will take appropriate measures, including, if necessary, amending its policies and procedures.

For more information, please contact our Privacy Office as follows:
Email: info@moni365.com

Using the Platform & Cookies
In order to improve the Platform, we may use small files commonly known as "cookies". A cookie is a small amount of data, which often includes a unique identifier that is sent to your computer or mobile phone (your "device") from the Platform and is stored on your device’s browser or hard drive. Cookies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may generate reports based on the use of these technologies an aggregated basis.
The cookies we use on the Platform collect personally identifiable information about you in order to improve the user experience. This personally identifiable information is only stored locally, and expires after five minutes and then is deleted. We won't disclose information stored in cookies that we place on your device to third parties. We also use cookies to remember users’ settings, store login addresses, authenticate users, run website experiments, and store analytics data, such as browser, device type and operating system.
Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.
You can find more information about how to do manage cookies for all the commonly used internet browsers by visiting https://www.allaboutcookies.org. This website will also explain how you can delete cookies which are already stored on your device.

Cookies from third parties
We use Google Analytics, a web analytics service provided by Google Inc. ("Google") on the Platform. Google Analytics uses "cookies", which are text files placed on your computer, to help MONI analyse how users use the Platform. The information generated by the cookie about your use of the Platform (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the Platform, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of the Platform. By using the Platform, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
We may use additional third party and such parties will have their own privacy policies describing how they use information that they collect.

Communication
By using Platform, you agree to receive communications from us via email, text message, calls, and push notifications. You may unsubscribe from receiving such communications by using the unsubscrbie mechanism provided in the communication or by contacing MONI at info@moni365.com.

Children and Minors
Our Platform and the Services offered are not directed to children under the age of 18 years. We will not knowingly collect Personal Information about a child under the age of 18.

General
MONI reserves the right to modify and amend this Privacy Policy from time to time in its sole discretion without prior notice. Any such amendment(s) will be posted on our website and will be effective as of the date of posting.