Updated at 2022-10-03

Em@ney Plc (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by Em@ney Plc.

This Privacy Policy applies to our website and its associated subdomains (collectively, our “Service”) alongside our application, Em@ney Plc. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, they are defined as:

  • -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, and remember information about you, such as your language preference.
  • -Company: When this policy mentions “Company,” “we,” “us,” or “our,” it refers to Em@ney Plc, Triq ix-Xatt ta’ Xbiex, Msida that is responsible for your information under this Privacy Policy.
  • -Country: where Em@ney Plc or the owners/founders of Em@ney Plc are based, in this case, is Malta.
  • -Customer: refers to the company, organisation or person that signs up to use the Em@ney Plc Service to manage the relationships with your consumers or service users.
  • -Device: any internet-connected device such as a phone, tablet, computer or another device that can be used to visit Em@ney Plc and use the services
  • -IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often identify the location from which a device is connecting to the Internet
  • -Personnel: refers to those individuals employed by Em@ney Plc or are under contract to perform a service on behalf of one of the parties
  • -Personal Data: any information that, directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.
  • -Service: refers to the service provided by Em@ney Plc as described in relative terms and on this platform.
  • -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.
  • -Website: Em@ney Plc's site, accessed via this URL: www.emoney.mt.
    This includes our content on the websites located at https://emoney.mt, http://banking.emworld.eu, www.emoneyplc.eu (the “Sites”) or when you use the Mobile Apps and the Cards (referred to collectively hereinafter as “Services”).
  • -You: a person or entity registered/accessing one of the webpages of Em@ney Plc to use/view the Services.

Definitions and key terms

We've updated our Privacy Policy to provide complete transparency into what is being set when you visit our site and its use. You hereby consent to the Privacy Policy and agree to its terms using our website.

Changes To Our Privacy Policy

We may change our Services and policies, and we may need to make changes to this Privacy Policy so that they accurately reflect our Services and policies; please check this privacy policy frequently to check for any updates.

What Information Do We Collect?

Personal Identification Information: name and surname, date of birth, nationality, gender, signature, utility bills, photographs, phone or fax number, home address, and/or email address. Special types of personal data (e.g. information about racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership or sexual orientation) will not be requested.

We automatically receive and store certain information, such as when you interact with the Sites or use the Services. This information helps us address customer support issues, improve the performance of our Sites and applications, provide you with a streamlined and personalised experience, and protect your Payment User Account from fraud by detecting unauthorised access. Information collected automatically includes:

  • (i)Online Identifiers: Geo location/tracking details, operating system, browser name and version, and/or personal IP addresses;
  • (ii) Usage Data: Authentication data, security questions, and other data collected via cookies and similar technologies. Please read our Cookie Policy for more information.

How Do We Use The Information We Collect?

Any of the information we collect from you may be used in one of the following ways:

  • -To personalise your experience (your information helps us to better respond to your individual needs)
  • -To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
  • -To improve customer service (your information helps us to respond to your customer service requests and support needs more effectively)
  • -To administer a contest, promotion, survey or other site feature
  • -To send periodic emails

When does Em@ney Plc use end-user information from third parties?

Em@ney Plc will collect End User Data necessary to provide services to our customers.
End users may voluntarily provide us with the information they have made available on social media websites. If you provide us with any such information, we may collect publicly available information from the social media websites you have indicated. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

When does Em@ney Plc use customer information from third parties?

We receive some information from third parties when you contact us. For example, when you submit your email address to us to show interest in becoming an Em@ney Plc customer, we receive information from a third party that provides automated fraud detection services to Em@ney Plc. We also occasionally collect information that is made publicly available on social media websites. You can control how much of your information social media websites make public by visiting these websites and changing your privacy settings.

Do we share the information we collect with third parties?

We may share the information that we collect, both personal and non-personal, with third parties such as advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you. We may also share it with our current and future affiliated companies and business partners, and if we are involved in a merger, asset sale or other business reorganization, we may also share or transfer your personal and non-personal information to our successors-in-interest.

We may engage trusted third party service providers to perform functions and provide services to us, such as hosting and maintaining our servers and the website, database storage and management, e-mail management, storage marketing, credit card processing, customer service and fulfilling orders for products and services you may purchase through the website. We will likely share your personal information, and possibly some non-personal information, with these third parties to enable them to perform these services for you and for us.

We may share portions of our log file data, including IP addresses, for analytics purposes with third parties such as web analytics partners, application developers, and ad networks. If your IP address is shared, it may be used to estimate general location and other technographics such as connection speed, whether you have visited the website in a shared location, and the type of device used to visit it. They may aggregate information about our advertising and what you see on the website and provide auditing, research and reporting for us and our advertisers. We may also disclose personal and non-personal information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate in order to respond to claims, legal process (including subpoenas), to protect our rights and interests or those of a third party, the safety of the public or any person, to prevent or stop any illegal, unethical, or legally actionable activity, or to otherwise comply with applicable court orders, laws, rules and regulations.

Where and when is information collected from customers and end users?

Em@ney Plc will collect personal information that you submit to us. We may also receive personal information about you from third parties as described above.

How Do We Use Your Email Address?

By submitting your email address on this website, you agree to receive emails from us. You can cancel your participation in any of these email lists at any time by clicking on the opt-out link or other unsubscribe options included in the respective email. We only send emails to people who have authorised us to contact them directly or through a third party. We do not send unsolicited commercial emails because we hate spam as much as you do. By submitting your email address, you also agree to allow us to use your email address for customer audience targeting on sites like Facebook, however, you have provided the same email to us through another method, and we may use it for any of the purposes stated in this Policy.

Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How Long Do We Keep Your Information?

We keep your information only so long as we need it to provide you with and fulfil the purposes described in this policy. This is also the case for anyone with whom we share your information and who carries out services on our behalf. When we no longer need to use your information, and there is no need for us to keep it to comply with our legal or regulatory obligations, we’ll either remove it from our systems or depersonalise it so that we can't identify you.

How Do We Protect Your Information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted only to be accessible by those authorised with special access rights to such systems and are required to keep the information confidential.

Could my information be transferred to other countries?

Em@ney Plc is incorporated in Malta. Information collected via our website, through direct interactions with you, or from our help services may be transferred from time to time to our offices, personnel, or third parties in Europe.

Is the information collected through the Em@ney Plc Service secure?

We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorised access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. We use reasonable efforts to protect your personal information, and the user hereby indemnifies and holds harmless Em@ney Plc against any data loss unless done by intentional misconduct.

Sale of Business

We reserve the right to transfer information to a third party in the event of a sale, merger or other transfer of all or substantially all of the assets of Em@ney Plc or any of its Corporate Affiliates (as defined herein), or that portion of Em@neyPlc or any of its Corporate Affiliates to which the Service relates, or in the event that we discontinue our business or file a petition or have filed against us a petition in bankruptcy, reorganisation or similar proceeding, provided that the third party agrees to adhere to the terms of this Privacy Policy.


We may disclose information (including personal information) about you to our Corporate Affiliates. For purposes of this Privacy Policy, "Corporate Affiliate" means any person or entity which directly or indirectly controls, is controlled by or is under common control with Em@neyPlc, whether by ownership or otherwise. Any information relating to you that we provide to our Corporate Affiliates will be treated by those Corporate Affiliates in accordance with the terms of this Privacy Policy.

Governing Law

This Privacy Policy is governed by the laws of Malta without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy except for those individuals who may have rights to make claims under Privacy Shield, or the Swiss-US framework.

The laws of Malta, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your use of the website may also be subject to other local, state, national, or international laws.

By using Em@ney Plc or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our website, or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy will mean that you accept those changes.


Em@neyPlc uses "Cookies" to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.

Blocking and disabling cookies and similar technologies

Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser's help menu for more information.

Information about General Data Protection Regulation (GDPR)

We may be collecting and using information from you if you are from the European Economic Area (EEA). In this section of our Privacy Policy, we are going to explain exactly how and why is this data collected and how we maintain this data under protection from being replicated or used in the wrong way.

What is GDPR?

GDPR is an EU-wide privacy and data protection law that regulates how EU residents' data is protected by companies and enhances the control the EU residents have, over their personal data.

The GDPR is relevant to any globally operating company, not just EU-based businesses and EU residents. Our customers’ data is important irrespective of where they are located, so we have implemented GDPR controls as our baseline standard for all our operations worldwide.

What is personal data?

Any data that relates to an identifiable or identified individual. GDPR covers a broad spectrum of information that could be used on its own or in combination with other pieces of information to identify a person. Personal data extends beyond a person’s name or email address. Some examples include financial information, political opinions, genetic data, biometric data, IP addresses, physical addresses, sexual orientations, and ethnicity.

The Data Protection Principles include requirements such as:

  • -Personal data collected must be processed fairly, legally, and transparently and should only be used in a way that a person would reasonably expect.
  • -Personal data should only be collected to fulfil a specific purpose, and it should only be used for that purpose. Organisations must specify why they need personal data when they collect it.
  • -Personal data should be held no longer than necessary to fulfil its purpose.
  • -People covered by the GDPR have the right to access their own personal data. They can also request a copy of their data and that their data be updated, deleted, restricted, or moved to another organisation.

Why is GDPR necessary?

GDPR adds new requirements regarding how companies should protect individuals' personal data that they collect and process. It also raises the stakes for compliance by increasing enforcement and imposing more significant fines for breaches. Beyond these facts, it's simply the right thing to do. At Em@ney Plc, we strongly believe that your data privacy is paramount, and we already have solid security and privacy practices that go beyond this new regulation's requirements.


You may be able to assert certain rights related to your personal information identified below.

  • -Access and portability: You may request that we provide you with a copy of your personal information. This information will be provided without undue delay, subject to a potential fee associated with the gathering of the information (as permitted by law), unless such provision adversely affects the rights and freedoms of others. In certain circumstances, you may request to receive your personal information in a structured, commonly used and machine-readable format and to have us transfer your personal information directly to another data controller.
  • -Rectification of incomplete or inaccurate personal information: You may request us to rectify or update any of your personal information held by EM@NEY that is inaccurate. You may do this anytime by logging in to your Payment User Account and clicking the profile./li>
  • -Erasure: You may request to erase your personal information, subject to applicable law. If you close your Payment User Account, we will mark your account in our database as “Closed” but will keep certain account information, including your request to erase it, in our database for a period of time, as described above in article 2. This is necessary to deter fraud by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account, opening a new account, and complying with EM@NEY’s legal obligations. However, suppose you close your Payment User Account. In that case, your personal information will not be used by us for any further purposes, nor shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or following this Notice.
  • -Withdraw consent: To the extent the processing of your personal information is based on your consent, you may withdraw your consent at any time. Your withdrawal will not affect the lawfulness of EM@NEY’s processing based on consent before your withdrawal.
  • -Restriction of processing: We may continue to process your personal information if it is necessary to defend legal claims or any other exceptions permitted by applicable law.
  • -Automated individual decision-making, including profiling: EM@NEY relies on automated tools to help determine whether a transaction or a Payment User Account presents a fraud or legal risk.
  • -Right to be forgotten: you may obtain the cancellation of your personal data from our database.
  • -Right to propose a complaint to the supervisory authority: If you believe that we have infringed your rights, we encourage you to first submit a request to Data Protection Authority, Level 2, Airways House, High Street Sliema SLM 1549 Malta.

For the exercise of your rights, you may contact EM@NEY’s DPO by sending an email to dpoemoney.plc.com.