Privacy Policy

Telekom Digital Limited ("TDL", "we", "us", or "our"), a subsidiary of Solomon Telekom Company Limited, operates the M-SELEN mobile money service. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use M-SELEN services, including our USSD platform (*123#), mobile applications, website, and agent network.

By registering for or using M-SELEN services, you consent to the practices described in this policy.

We collect the following types of information:

• Registration Information: Full name, date of birth, mobile phone number, identification documents (as required by the Central Bank of Solomon Islands), and next-of-kin details.
• Transaction Data: Records of all financial transactions including send money, cash-in, cash-out, bill payments, and merchant payments.
• Device & Access Information: Device type, operating system, app version, IP address, and session data when accessing M-SELEN via the mobile app or website.
• Location Data: Approximate location when accessing services through agents or the mobile app (for fraud prevention purposes).
• Communication Records: Records of your communications with our support team via phone (123), email, or WhatsApp.

Your personal information is used to:

• Provide, maintain, and improve M-SELEN mobile money services
• Process transactions and send service notifications via SMS
• Verify your identity and comply with Know Your Customer (KYC) requirements
• Detect, prevent, and investigate fraud and unauthorized transactions
• Comply with applicable laws, regulations, and directives from the Central Bank of Solomon Islands
• Communicate important service updates, security alerts, and promotional offers
• Improve our products and develop new features

We do not sell your personal information. We may share your information with:

• Regulatory Bodies: The Central Bank of Solomon Islands (CBSI) and other regulators as required by law.
• Partner Institutions: Banks and financial institutions for the purpose of processing transactions (e.g., foreign remittance partners).
• Service Providers: Technology partners who help us deliver services, bound by strict confidentiality agreements.
• Law Enforcement: When required by law, court order, or to protect the safety of our users.
• Solomon Telekom (STCL): Our parent company, for operational and compliance purposes.

We implement bank-grade security measures to protect your personal and financial information, including:

• Encryption of data in transit and at rest
• Secure PIN-based authentication for all transactions
• Automated fraud detection and monitoring systems
• Access controls limiting employee access to customer data
• Regular security audits and vulnerability assessments

We retain your personal information for as long as your M-SELEN account is active and for a minimum of 7 years after account closure, as required by applicable financial regulations and the Central Bank of Solomon Islands.

You have the right to:

• Access your personal information held by M-SELEN
• Request correction of inaccurate information
• Request account closure (subject to regulatory retention requirements)
• Opt out of promotional communications

To exercise these rights, contact us at info@mselen.com.sb or call 123.

Our website may use cookies and similar technologies to improve user experience, analyze traffic, and personalize content. You can manage cookie preferences through your browser settings.

M-SELEN services are available to individuals aged 15 and above (with parental consent for those under 18). We do not knowingly collect information from children under 15.

We may update this Privacy Policy from time to time. Significant changes will be communicated via SMS or through our app. Continued use of M-SELEN services after changes constitutes acceptance of the updated policy.

For privacy-related questions or concerns:

• Phone: 123 (toll-free)
• Email: info@mselen.com.sb
• WhatsApp: (+677) 7433113
• Visit: Our Telekom Phone Shops, Mendana Avenue, Honiara, Solomon Islands