How MIAOMEME collects, uses, stores, shares, and protects data.

Effective date: 29 March 2026. This Privacy Policy explains how MIAOMEME processes personal information for account creation, card applications, merchant onboarding, partner operations, payments, support, fraud controls, and virtual reward experiences.

Data categories we may collect

Registration details such as name, email, phone number, account identifiers, referral information, and login metadata.
Identity and compliance information such as ID documents, liveness data, proof of address, screening records, beneficial-owner data, and onboarding submissions.
Transaction and service data such as card activity, merchant onboarding records, settlement records, dispute records, support tickets, and product usage logs.
Reward and engagement data such as invitations, blind box eligibility, virtual cat activity, point balances, and campaign participation.

Why we use data

To create and maintain accounts, deliver cards and payment services, process onboarding, and run merchant or partner operations.
To verify identity, prevent fraud, investigate abuse, review disputes, and protect platform, customer, and partner integrity.
To satisfy legal, regulatory, audit, sanctions, tax, risk, and payment-partner obligations.
To provide support, improve products, communicate updates, and operate campaigns, rewards, and virtual collectible experiences.

How data may be shared

With payment processors, issuing or settlement partners, identity and screening providers, cloud vendors, analytics vendors, logistics partners, and customer-support providers where needed for lawful service delivery.
With professional advisers, auditors, regulators, law enforcement, or courts where disclosure is required or reasonably necessary.
Within the MIAOMEME operating structure and approved service partners on a need-to-know basis.

Retention, transfers, and security

We retain information for as long as needed to provide services, resolve disputes, enforce terms, and meet legal, compliance, and audit obligations.
Data may be processed or accessed across multiple jurisdictions where our infrastructure, vendors, or partners operate, subject to reasonable safeguards.
MIAOMEME uses technical and organizational controls to reduce unauthorized access, loss, misuse, and disclosure, but no online system can be guaranteed risk-free.

Your rights

Depending on your region, you may request access, correction, deletion, restriction, portability, or objection, subject to contractual, legal, and compliance limits.
You may also contact us to update inaccurate contact or account information, or to ask questions about our data handling.

Contact

Questions about privacy, data rights, or account information can be sent to bzfc@miaomimi.net.
Additional local notices may apply where region-specific privacy laws require them.