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MuthoPay Privacy Policy (SoftPOS – Merchant Application)

Effective Date: February 12, 2026

MuthoPay is a SoftPOS mobile application that enables merchants to accept NFC-based card payments securely using certified mobile devices.

1. Information Collection

MuthoPay does not collect or store merchant personal information through the application.

The application processes NFC card transactions in real-time within a PCI-DSS certified environment. The MuthoPay solution is MPoC (Mobile Payments on COTS) certified, ensuring compliance with global payment security standards.

The app does not store:

  • Card numbers
  • CVV/CVC
  • PIN data
  • Cardholder authentication data

All payment data is securely encrypted and transmitted directly to authorized payment processing systems.

2. Use of Information

The application processes transaction data solely for:

  • Authorizing NFC card transactions
  • Completing payment settlements
  • Meeting regulatory and audit requirements

No transaction data is used for marketing or profiling purposes.

3. Data Security

MuthoPay operates within a PCI-DSS compliant infrastructure and follows strict security controls aligned with MPoC standards. All sensitive data is encrypted during transmission and processing.

4. Log Data

We want to inform you that whenever you use our Service, in a case of an error in the app we collect data and information (through third-party products) on your phone called Log Data. This Log Data may include information such as your device Internet Protocol (“IPâ€) address, device name, operating system version, the configuration of the app when utilizing our Service, the time and date of your use of the Service, and other statistics.

5. Data Retention

The application itself does not retain sensitive payment data. Transaction records are maintained within authorized banking/payment systems in accordance with applicable financial regulations.

6. Third-Party Disclosure

Information may be shared only with authorized payment networks, acquiring banks, and regulatory authorities as required to process transactions and comply with legal obligations.

7. Links to Other Sites

This Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

7. Changes to This Policy

This Privacy Policy may be updated from time to time. Updates will be published through official channels.

8. Contact

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us

The helpline for all MTB customers:

In Bangladesh: 16219 (From Mobile) or 096040 16219 (From Mobile or BTCL)

From Overseas: +880 96040 16219

You may also Request Service in MTB Customer Service Portal(https://www.mutualtrustbank.com/about-us/mtb-customer-service-portal/)

Besides calling, we are open and encourage our valued clients to communicate with us as per their convenience. Customers can Email us at customer.service@mutualtrustbank.com or even can Fax us at +88-02-48321919.