Privacy Policy

Digital Wallet Services (DWS) S.A.R.L is the data controller responsible for your personal data.

• Company Registration: RC 555123 | IF: 52656326
• Registered Address: 39 Av Lalla Yacout, 1er Etage, Apt 1, Casablanca, Morocco
• Contact: contact@digital-wallet-services.com | +212 689 510 698

• Identity data: Full name, national ID or passport number (for KYC verification)
• Contact data: Email address, phone number, business address
• Financial data: Bank account details, transaction history, payment amounts
• Business data: Company name, registration number, business type
• Technical data: IP address, browser type, device information, cookies
• Usage data: How you interact with our platform and services

• To verify your identity and complete the KYC onboarding process
• To process payments and manage your merchant account
• To settle funds to your designated bank account
• To detect and prevent fraud and unauthorized transactions
• To comply with Moroccan financial regulations and legal obligations
• To communicate service updates, security alerts, and account notifications
• To improve our platform and develop new features

• Contract performance: Processing your data to provide our payment services
• Legal obligation: Compliance with Moroccan financial regulations (Bank Al-Maghrib, CNDP)
• Legitimate interests: Fraud prevention and platform security
• Consent: For marketing communications (you may withdraw at any time)

• Banking partners for transaction processing and fund settlement
• CMI (Centre Monetique Interbancaire) for card payment processing
• Visa and Mastercard networks for international card transactions
• Regulatory authorities (Bank Al-Maghrib, CNDP) as required by law
• Cloud infrastructure providers (data stored within Morocco or EU-equivalent regions)

We never sell your personal data to third parties for marketing purposes.

• PCI-DSS Level 1 compliance - the highest international standard for payment security
• 3DS2 (3D Secure 2) authentication for all card transactions
• AES-256 end-to-end encryption for all data in transit and at rest
• Regular security audits and penetration testing
• Strict access controls - only authorized personnel can access sensitive data
• Incident response plan and 72-hour breach notification procedure

• Account data: Retained for the duration of your account and 5 years after closure
• Transaction records: Retained for 10 years as required by Moroccan financial law
• KYC documents: Retained for 5 years after account closure
• Technical/log data: Retained for 12 months

Under Moroccan data protection law (CNDP), you have the following rights:

• Right to access: Request a copy of your personal data
• Right to rectification: Correct inaccurate or incomplete data
• Right to erasure: Request deletion of your data (subject to legal obligations)
• Right to restrict processing: Limit how we use your data
• Right to data portability: Receive your data in a structured format
• Right to object: Object to certain types of processing

To exercise your rights, contact: contact@digital-wallet-services.com

• Essential cookies: Required for platform functionality and security
• Analytics cookies: Used to understand how merchants use our platform (can be disabled)

You can manage cookie preferences through your browser settings. We do not use cookies for third-party advertising.

We may update this Privacy Policy from time to time. You will be notified of significant changes by email. The updated policy will be published on our website with the revision date. Continued use of our services after changes constitutes acceptance.

For privacy questions: contact@digital-wallet-services.com

To file a data protection complaint, contact the CNDP at: www.cndp.ma