Moki Systems Privacy Policy

The Moki Systems Privacy Policy describes how we treat personal information when you use Moki’s website.

Information that we collect and how we use it

  • Credit Card Information – When you use Moki Online Bill Payment, we ask for your personal information so that we can provide you with the service. When you use a credit or debit card, the information that we require to includes your name, credit or debit card number, card expiry date, card verification number (CVN), address, phone number and email address. Any information we collect is securely discarded after the payment transaction is processed.
  • Information obtained from third parties – In order to protect you from fraud or other misconduct, we may obtain information about you from third parties to verify the information you provide. For example, we may use card authorization and fraud screening services to verify that your credit or debit card information and address match the information that you provided to us.
  • Transaction information – When you use Moki Online Bill Payment to conduct a transaction, we collect information about each transaction, including the transaction amount and an invoice number.
  • Cookies – When you access a Moki’s website, we send one or more cookies – a small file containing a string of characters – to your computer to uniquely identify your browser. We use cookies to improve the quality of our service by storing user preferences and tracking user trends. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. Please note that you will not be able to access Moki Online Bill Payment if your cookies are disabled.
  • Log information – When you access Moki’s website, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
  • User communications – When you send an email or other communication to us, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.

Information sharing

We will not sell or rent your personal information to companies or individuals. We will only share your personal information with other companies or individuals in the following circumstances:

  • As necessary to process your Moki Online Bill Payment transaction. As with any credit card payment, if you process a credit card transaction through the service, we need to share some information (for example, your name and credit card number) with the banks and other entities in the financial system that process credit card transactions.
  • To detect, prevent or otherwise address fraud, security or technical issues.
  • We have your consent. We require opt-in consent for the sharing of any sensitive personal information.
  • We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, © detect, prevent or otherwise address fraud, security or technical issues or (d) protect against imminent harm to the rights, property or safety of Moki Systems, its users or the public as required or permitted by law.
  • If you are using a credit card issued by the merchant from whom you are making a purchase (a ‘private label credit card’), that merchant will receive your entire credit card number in association with your purchase.

Information security

We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical and technical security measures to guard against unauthorized access to systems where we store personal data. For example, your credit card number will always be stored in an encrypted form (except when you provide it to us in a communication outside our web page interface).

Changes to this policy

Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Policy without your explicit consent. We will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including notification in your account interface or email notification). Each version of this Policy will be identified at the top of the page by its effective date and we will also keep prior versions of this Privacy Policy in an archive for your review.

If you have any questions about this Policy, please feel free to contact us at

Last modified: 11 February 2011