1.1. Introduction

This Privacy Policy explains how Monetiva (“Monetiva”, “we”, “us”, or “our”) collects, uses, stores, shares, and protects personal information when you access or use monetiva.am, create an account, participate in affiliate campaigns, create or use referral links, communicate with us, or otherwise use our services.
Monetiva operates an affiliate marketing platform that enables creators, publishers, influencers and other approved partners to access promotional offers, generate referral links and potentially earn commissions for qualifying transactions or other approved actions.
By using Monetiva, you acknowledge that your personal information may be processed as described in this Privacy Policy.

1.2. Information We Collect

Depending on how you interact with Monetiva, we may collect the following categories of information.
Account and identification information
We may collect:

• first and last name;
• username;
• email address;
• telephone number;
• country of residence;
• preferred language;
• account credentials;
• account status;
• date of registration;
• information required to verify your identity or eligibility.

Where required for payments, compliance or fraud prevention, we may request additional identification information.
Creator and professional information
If you apply to participate as a creator or affiliate, we may collect:

• social media profile URLs;
• website URLs;
• Telegram channels or other promotional channels;
• audience size;
• audience geography;
• content categories;
• promotional methods;
• information about your business or professional activities;
• information provided in your affiliate application.

Payment information
Where applicable, we may collect or process information required to send commissions, including:

• beneficiary name;
• payment method;
• bank or payment account information;
• tax-related information where required;
• payment history;
• payout status.

Payment information may be processed directly by third-party payment providers. Monetiva may not receive or store complete payment credentials where payment processing is performed by such third parties.
Referral and transaction information
When referral links, tracking technologies or affiliate attribution systems are used, we may receive information such as:

• referral link ID;
• affiliate or creator ID;
• advertiser or campaign ID;
• click timestamp;
• conversion timestamp;
• order or transaction reference number;
• order value;
• commission amount;
• currency;
• transaction status;
• pending, approved, rejected, cancelled or refunded status;
• attribution data;
• campaign performance data.

We generally do not require or intend to receive customers' full payment card details through affiliate tracking systems.
Technical information
We may automatically collect:

• IP address;
• browser type;
• device type;
• operating system;
• language settings;
• referring URL;
• pages visited;
• timestamps;
• session information;
• approximate location derived from IP address;
• cookie identifiers;
• advertising identifiers where applicable;
• security and fraud-detection information.

Communications
If you contact us, we may collect:

• email correspondence;
• support requests;
• complaints;
• feedback;
• documents or information submitted to customer support.

1.3. How We Use Information

We may use personal information to:

• create and maintain user accounts;
• review creator and affiliate applications;
• provide access to campaigns and referral tools;
• generate and manage referral links;
• track clicks, referrals, conversions and commissions;
• validate transactions;
• calculate affiliate earnings;
• process commission payments;
• investigate rejected, cancelled or disputed transactions;
• prevent fraud, abuse and artificial traffic;
• detect self-referrals and prohibited activity;
• communicate about accounts, campaigns and payments;
• provide technical and customer support;
• improve our platform and user experience;
• produce analytics and statistical reports;
• protect Monetiva, advertisers, creators and users;
• enforce our Terms and other agreements;
• comply with legal, tax, accounting and regulatory obligations;
• resolve disputes;
• send service-related communications;
• send marketing communications where legally permitted.

1.4. Affiliate Tracking

Affiliate marketing requires tracking in order to determine whether a transaction or other qualifying action should be attributed to a particular creator or affiliate.
When a person clicks a Monetiva referral link, tracking technologies may record information including the referral source, affiliate identifier, campaign identifier, click time and other technical information.
If that person later completes a qualifying action, an advertiser, merchant, affiliate network or tracking provider may send Monetiva transaction information so that the commission can be calculated.
Attribution may depend on factors including:

• advertiser tracking rules;
• cookie duration;
• attribution window;
• last-click or other attribution models;
• device and browser configuration;
• whether cookies are blocked;
• use of different devices;
• advertiser or affiliate-network validation.
• A click does not guarantee that a commission will be generated.

1.5. Cookies and Similar Technologies

We use cookies and similar technologies for purposes including:

• authentication;
• security;
• remembering preferences;
• analytics;
• affiliate attribution;
• fraud prevention;
• measuring campaign performance.
• Further information is available in our Cookie Policy.

1.6. How We Share Information

We may share information with:

Advertisers and merchants
Information may be shared where necessary to track or validate referrals, investigate transactions, prevent fraud or administer affiliate campaigns.

Affiliate networks and tracking providers
Where an offer is provided through an external affiliate network or technology provider, relevant tracking and transaction information may be exchanged with that provider.

Service providers
We may use third-party providers for:

• website hosting;
• cloud infrastructure;
• analytics;
• email delivery;
• customer support;
• payment processing;
• fraud detection;
• accounting;
• security;
• technical infrastructure.

Such providers receive information only as reasonably necessary to perform services for us.

Professional advisers
Information may be shared with lawyers, accountants, auditors, financial institutions or consultants where reasonably necessary.

Authorities
We may disclose information if required by law, court order, regulatory requirement or lawful governmental request.

Business transfers
If Monetiva or its business is sold, merged, reorganized or transferred, personal information may be transferred as part of that transaction, subject to applicable law.

1.7. International Data Transfers

Some advertisers, affiliate networks, analytics providers, payment providers or technology vendors may operate outside Armenia.
As a result, personal information may be processed in countries other than the country in which it was originally collected.
Where required by applicable law, Monetiva will take reasonable steps to ensure that appropriate safeguards are used for such transfers.

1.8. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including:

• maintaining your account;
• administering commissions;
• resolving disputes;
• preventing fraud;
• maintaining accounting records;
• complying with tax or legal requirements;
• enforcing contractual rights.

Some information may be retained after an account is closed where required for legitimate business or legal purposes.

1.9. Data Security

We use reasonable administrative, organizational and technical measures designed to protect personal information from unauthorized access, loss, misuse, disclosure, alteration or destruction.
However, no internet-based service can guarantee absolute security.
Users are responsible for maintaining the confidentiality of their account credentials.

1.10. Your Rights

Depending on applicable law, you may have rights concerning your personal information, including the right to:

• request information about processing;
• access personal data concerning you;
• request correction of inaccurate information;
• request deletion where legally permitted;
• object to or request restriction of certain processing;
• withdraw consent where processing is based on consent;
• request information about recipients of your data;
• submit a complaint to the competent authority.

Requests may be sent to:
info@monetiva.am
We may request reasonable verification of your identity before processing a request.

1.11. Marketing Communications

Where legally permitted, we may send information about Monetiva services, campaigns, platform updates or opportunities.
You may unsubscribe from promotional email communications by using the unsubscribe mechanism included in those messages or contacting us.
Administrative, security, account and payment-related messages may still be sent where necessary.

1.12. Children's Privacy

Monetiva is not intended for children.
Users must meet the minimum age required under applicable law and, unless otherwise approved by Monetiva, must be at least 18 years old to participate as an affiliate and receive commissions.
We do not knowingly create affiliate accounts for children.

1.13. Third-Party Websites

Referral links and campaign pages may direct you to websites operated by advertisers, merchants or other third parties.
Monetiva does not control the privacy practices of such third parties.
Users should review the privacy policies of the relevant third-party websites.

1.14. Changes to This Policy

We may update this Privacy Policy from time to time.
The updated version will be published on monetiva.am and the “Last updated” date will be changed accordingly.
Material changes may also be communicated through the platform or by email where appropriate.