Personal Identification Information: Full name, address, email, phone number, date of birth, nationality, and government-issued ID (e.g., passport, driving licence, national ID card).
Financial Information: Bank account details, payment card information, transaction history, and source of funds.
Verification Data: Proof of address, employment details, and other information required for anti-money laundering (AML) and counter-terrorism financing (CTF) checks.
Technical Information: Device type, browser type, IP address, login activity, and location data.
Communication Records: Any correspondence with us by email, phone, or in-app chat.
2. How We Use Your Information
To provide and process money transfer services.
To verify your identity and comply with AML/CTF and regulatory requirements.
To detect and prevent fraud, unauthorized transactions, and illegal activity.
To communicate with you about your account, transactions, or support inquiries.
To improve our services, website, and mobile app.
To send you marketing and promotional offers (where permitted by law, and with your consent where required).
3. Legal Basis for Processing
Contract: To perform our services and manage your account.
Legal Obligation: To comply with AML, CTF, tax, and regulatory requirements.
Legitimate Interest: To improve services, maintain security, and prevent fraud.
Consent: For marketing communications and optional services.
4. Sharing Your Information
Payment and Banking Partners: To process your transactions.
Identity Verification Providers: For KYC and compliance checks.
Regulators and Authorities: To meet legal, regulatory, or reporting obligations.
Service Providers: IT, customer support, analytics, and marketing partners who act on our behalf.
Corporate Affiliates: Within our business group, if applicable.
We will never sell your personal data to third parties.
5. International Data Transfers
If we transfer your information outside the UK/EEA, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses, adequacy decisions, or other lawful mechanisms.
6. Data Retention
We retain your personal data only as long as necessary:
- To provide our services.
- To comply with legal and regulatory requirements (typically 5–7 years under AML rules).
- To resolve disputes and enforce agreements.
7. Security
We apply strict technical and organizational measures to protect your data, including:
- Encryption of sensitive information.
- Secure servers and firewalls.
- Access controls and regular monitoring.
8. Your Rights
Access the personal data we hold about you.
Request correction or deletion of your data.
Restrict or object to certain processing.
Request data portability.
Withdraw consent (where processing is based on consent).
To exercise these rights, please contact us at the details below.
9. Marketing and Opt-Out
You may opt out of receiving marketing messages at any time by clicking “unsubscribe” in our emails or contacting us directly.
10. Children’s Privacy
Our services are intended for individuals aged 18 and over. We do not knowingly collect data from minors.
11. Cookies and Tracking
We use cookies and similar technologies on our website and app to improve user experience, security, and analytics. For details, please see our Cookie Policy.
12. Updates to this Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website and app, with the updated date at the top.
We use cookies to improve your experience on our site and to show you relevant information. To
find
out more, read our Updated
Privacy
Policy and Terms & Conditions.