What data might we collect?

We may collect personal information about you when you use this website. This could include information about your behaviour on the website such as links that you click on and the pages that you enter, as well as your IP address and device information.

We may also collect personal information about you when you contact us, which could include your name and your email address.

When you register for an account in order to use our remittance services then we may also have to collect various types of personal data about you in order to provide you with the services that you have requested. This could include:

1. Personal data such as your name, address, phone number, email address, date of birth and your nationality. We may also need to see copies of your ID documentation which we would need in order to satisfy our security checks as part of our Know Your Customer (KYC) obligations.
2. We will also need personal information about your chosen recipient, including their name, address and phone number. When you provide us with details about your recipient then you guarantee that you have obtained their consent to provide their information to us.
3. We may also collect some technical data such as the IP address that you use to log in to your account or to submit a transaction, information about the device you are using to access the website such as the device manufacturer.

Why do you have to give us personal information?

In order to provide you with the remittance services then we need you to provide us with, as a minimum, your email address and phone number in order to provide you with the services that you have requested from us. We will also need your full legal name, date of birth, address and nationality in order to provide you with remittance services.

We may also require that you provide us with further information about yourself or the person that you plan to send money to such as an address and phone number, nationality, identity documentation and proof of address.

When you provide us with information we will inform you at the point of collection whether this information is necessary in order for us to provide you with our products and services.

Why might we process your data?

We strive to provide you with a safe and personalised experience when you use our services. In order to do this then we may process your data for the following reasons which are necessary for the purpose of legitimate interests in accordance with lawful requirements for processing data. These include:

1. We need to collect your financial details and details about you recipient in order to complete any money transfers on your behalf.
2. As a financially regulated company we are obliged to know who our customers are as well as perform anti-money laundering checks on them as well as combating terrorism financial checks.
3. We might also process some of the technical information about the way in which you use this website to be able to improve our products and services. We may use anonymous data to do this and not your personal information. We will never sell or trade any of your personal information to third party companies.

How do we keep your personal data safe?

Making sure that your personal data is safe is very important to us. We have a number of physical, electronic and procedural safeguards in place in order to comply with all applicable laws to protect you and your information from any unauthorised access. Our security measures include:

1. We use network and application firewalls and when you send us personal information or financial information then your information is protected by both a firewall as well as industry standard SSL (Secure Socket Later) encryption.
2. Once your data reaches our servers then we store it in a secure and protected location where only certain people can access it.
3. We regularly check and update our security systems in order to ensure the security of your personal data.

Even though we will do everything that we can to try and protect your personal data, you must accept that we can not guarantee complete security when you send any information over the internet. All transmissions of data are at your own risk. In order to minimise your risk then we strongly advise that you do not share your personal data or log in information with anyone else.

How long will we keep your data?

We will only keep your data for as long as is reasonably necessary to fulfil the purposes for which it was collected. This includes holding your personal data until we are lawfully required to do so. In order to comply with relevant KYC checks as well as anti-money laundering and counter-terrorism financing we are required to keep your personal information for at last five years after you have completed your last transaction with us. We might also keep your data for a longer period if we are instructed to do so by the relevant authorities.

Who might we share your personal data with?

We might share some of your personal data with the following third party providers which help us to provide you with remittance services:

1. Payment service providers which we use to enable us to process your bank card for payments.

2. KYC service providers who we work with to help us verify the identity of our customers.

3. We may also share this information with regulatory authorities and enforcement agencies in order to comply with the relevant laws and regulations.

What are your data rights?

When you share your personal data with us you have the following rights:

1. The right to withdraw consent: at any time you can withdraw your consent to allow us to process your personal information.

2. The right to be informed: you have the right to be informed about what data we collect and how we use it and who we share it with.

3. The right to access: you can ask us to give you a copy of all of the data we have collected about you as well as how we use it and who we share it with.

4. The right to rectify: you have a right to rectify incomplete or inaccurate personal information about you.

5. The right to erasure: you have the right to require that we erase the personal data concerning you under certain circumstances.

6. The right to data portability: you have the right to receive the personal information that we hold about you in a format which can then be sent on to someone else.

7. The right to restriction of processing: you have the right to request that we stop processing your personal data.

8. The right to object to direct marketing: you have the right to object to the processing of your personal information for the purposes of direct marketing.

9. The right to object: you have the right to object to the processing of your personal information concerning you in certain circumstances.

Cookies

A cookie is a small file of information which is placed on to your computers hard drive when you visit a website. This is to help the website remember important information about the website so that it can run better. We use cookies on this website to gather important information about you as a user and it also allows us to provide you with a smooth experience when you use our services as well as to better understand and improve our services.

You do not need to have cookies enabled in order to use this website, however it may affect the quality of your browsing experience if cookies are disabled.

Questions

If you have any questions about the information in this privacy policy then please get in touch with us.