Our Privacy Policy ("Policy") applies to Remitify.app, the Remitify mobile applications, and any other programs, websites, or applications owned
and operated by Remitify that direct you to this Policy. This Policy governs the collection and handling of personal data for both natural and legal persons.
This Policy, in conjunction with our Terms & Condition (including any additional terms of use referenced in our Terms & Condition), governs your
use of our Services, whether you are a natural person or a legal entity.
In this Policy, capitalized words and phrases (such as Agreement, Profile, Services, and Transaction) have the same meaning as in our Terms &
Condition unless we define them
differently in this Policy.
What Personal Data do we collect?
The personal data we collect from you depends on how you engage with us and our products and services. When we refer to "personal data" or
"personal information," we mean any
information related to an identified or identifiable natural or legal person. The following are the categories and specific types of personal data or information we may gather:
- Basic Identifying Information: This includes the full name of natural persons (including aliases) and the name of legal persons, postal address, email address, phone number,
date of birth of natural persons, registration details of legal persons, gender of natural persons, occupation and employer of natural persons, username or social media handle,
or other similar identifiers (including a customer ID auto-generated by us to identify you in our systems).
- Customer Support Information: Information provided when contacting customer services or our offices, including call recordings (such as when we record customer service calls
for quality assurance).
- Government-Issued Identification or Records: This encompasses the driver's license and state or country government-issued identification card of natural persons (such as a
passport, driver's license, military or immigration identity cards or visas, national identification cards), as well as a picture or recording of natural persons with their
identification documentation, records of proof of address (e.g., utility bill, loan or mortgage statement), or evidence of how you will fund your Transaction (e.g., bank
statement or pay slip). For legal persons, this includes relevant business registration and identification documents.
- Marketing & Communications Information: This covers the preferences of natural persons for receiving marketing material from us and our third parties, communication
preferences, and information lawfully obtained from market research, advertising networks, or analytics providers. For legal persons, this includes contact information for
receiving business-related communications.
- Payment Information: This includes the financial or payment instrument details of natural persons (e.g., debit/credit card) or bank account details. For legal persons, this
includes financial details relevant to transactions.
- Promotions & Competitions Information: This consists of the names and email addresses of natural persons and contact information for legal persons, along with certain other
personal information that may be asked to be provided to participate in promotions or competitions.
- Recipient Information: This involves the full names, postal addresses, and phone numbers of natural persons, and, depending on the chosen disbursement method, certain financial
institution or financial account details such as bank account or mobile wallet account. In case of disputes about whether money has been received by the recipient, we may
request additional information to verify their identity with the financial institution. For legal persons, this includes information related to payment recipients.
- Referral Information: Information provided about friends, associates, or business contacts, such as their names and email addresses, to inform them about our services, whether
they are natural or legal persons.
- Sensitive Personal Data: This encompasses biometric data, primarily face scan information from photos and videos provided for identity verification purposes, monitoring login
activity, and tracking interactions with our site to safeguard accounts and identify suspicious or fraudulent activity, whether the account belongs to a natural or legal
person.
- Survey & Feedback Information: This category includes information such as the name, email address, or other contact information of both natural and legal persons. It also
covers responses to surveys, reviews, feedback, testimonials, and certain other personal information that you may be asked to provide, including participation in our survey.
- Technical Information: We collect technical information from both natural and legal persons, including details about the hardware and software used to access our Services,
network information, internet service provider, operating system, the type of browser used, unique device identifiers (e.g., device's IMEI number, MAC address, or mobile
number), IP address, and other similar unique identifiers. Additionally, we may collect your current location using GPS technology, which is required for some of our
location-enabled Services to function effectively.
- Transaction Information: This category encompasses transaction-related data for both natural and legal persons, including transaction history/logs (including a unique
Transaction reference number), transaction receipts, the purpose of transfers, the relationship with the recipient, the average transaction amount, how often you intend to use
our Services, whether you intend to send to multiple recipients, and information related to referral rewards.
- Usage Information: We gather information on the interactions with our Services, browsing activity, and search activity from both natural and legal persons.
- Please note that regardless of whether you are a natural person or a legal entity, we handle and protect your personal data with the utmost care and in compliance with
applicable data protection laws and regulations. Your privacy and data security are our priorities.
The way of collecting your personal data
We gather personal data about both natural and legal persons from various sources, ensuring the utmost care and compliance with applicable data
protection laws and regulations. For
instance, we collect and obtain information through the following means:
- Directly from You:
We collect personal data provided by both natural and legal persons when they use our Service. This includes creating a profile, contacting us (including via chat), responding
to surveys, interacting with us at events, participating in sweepstakes, contests, or similar campaigns or promotions, posting reviews, or signing up to receive emails, text
messages, and/or postal mailings.
- Using Cookies and Other Automatic Data Collection Technologies:
When you, whether as a natural person or a legal entity, visit our websites, use our app, open or click on emails we send you, or interact with our advertisements, we or third
parties we collaborate with automatically collect specific information using technologies like cookies, web beacons, clear GIFs, pixels, internet tags, web server logs, and
other data collection tools. For more detailed information, please review our Cookie Policy.
- From Other Sources:
We may acquire information about both natural and legal persons from various other sources. These sources may include data analytics providers, marketing or advertising service
providers, social media platforms or networks, fraud prevention or identity verification service providers, electronic databases, credit reporting agencies, vendors that
provide services on our behalf, or publicly available sources.
Rest assured that regardless of whether you are a natural person or a legal entity, we handle your personal data with the highest level of
security and compliance with data protection laws, ensuring the privacy and confidentiality of your information.
HOW DO WE USE OR PROCESS YOUR PERSONAL DATA?
We utilize your personal data, whether you are a natural person or a legal entity, in accordance with applicable data protection laws. Depending
on your location, we rely on the
following legal bases to process your personal data:
1. COMPLY WITH LEGAL OBLIGATIONS:
- Compliance with Legal or Regulatory Obligations: We use personal data to fulfill our legal or regulatory obligations, exercise our rights, and defend against legal claims.
- Security and Fraud Prevention: Personal data is employed to detect, investigate, prevent, or respond to potential malicious, deceptive, fraudulent, or illegal activities,
including fraudulent transactions, attempts to manipulate or violate our policies, security incidents, and protection of the rights, property, or safety of Remitify and its
users, customers, employees, or others.
- Compliance with Applicable Laws: Your personal data is used to comply with relevant laws and regulations, including those related to "know-your-customer," anti-money laundering
requirements, sanctions legislation, risk investigation, risk scoring, fraud prevention, counter-terrorist financing, consumer protection, and complaint handling.
2. TO PERFORM A CONTRACT:
- Providing Our Services: We process your personal data when you access or use our Services, including processing your Transaction(s), managing your account, delivering
promotional offers or rewards (including our referral program), and handling payments.
- Communication: We use your personal data to communicate with you, respond to your requests, inquiries, issues, or feedback, and provide customer service.
3. CONSENT OR LEGITIMATE INTEREST:
- Marketing and Promotional Purposes: Personal data is employed for marketing and promotional activities, such as sending marketing, advertising, and promotional communications
via email, text message, or postal mail; displaying tailored advertisements for products and services on social media and other websites; and administering new customer
promotions, sweepstakes, contests, and similar initiatives.
- Analytics and Personalization: We use personal data for research and analytics to improve our services and product offerings. This includes understanding how you interact with
our websites, mobile apps, advertisements, and communications in order to enhance our websites, apps, and marketing campaigns. We also use this data for personalization to
provide you with a customized experience, save you time during your visits, and tailor the marketing and advertising content that we display to you.
- Other Business or Commercial Purposes: With your consent or as per your instructions, we may process specific personal data to fulfill other business or commercial
objectives.
WHO DO WE SHARE YOUR PERSONAL DATA WITH?
We take the utmost care when sharing your personal data, whether you are a natural person or a legal entity. Beyond the specific scenarios
outlined elsewhere in this privacy policy, we disclose personal data in the following circumstances:
1. Corporate Affiliates:
- We may share personal data with our corporate affiliates, including our parent company, affiliates, and subsidiaries. These corporate affiliates process personal data on our
behalf to provide services or under circumstances where you have given your consent or as allowed or required by law.
2. Service Providers:
- We collaborate with third parties that provide essential services to support our core business functions and internal operations. This includes banks, disbursement providers,
or other financial institutions handling your transfers or other financial service requests (including payment processors), identity verification or KYC service providers,
third-party providers of software and tools for sending postal mail, emails, and text messages, as well as analyzing customer data, offering marketing assistance, managing
reviews, investigating fraudulent activities, conducting customer surveys, and outsourced customer service providers.
3. Third Party Partners:
- Your personal data may be shared with third parties with whom we have entered into partnerships to jointly create and offer products, services, or joint promotions. In certain
cases, we may also share your personal data with our banking or distribution partners if we suspect a violation of our terms or fraudulent behavior related to our business.
Their use of your information is governed by their own respective privacy policies and not by this privacy policy.
4. Social Media Platforms and Networks:
- Some of our websites incorporate features like plugins, widgets, or other tools provided by third parties. This may result in the collection or sharing of information between
us and the third party. For example, if you use our referral feature to refer individuals via WhatsApp, Facebook, email, or SMS, your information may be subject to the privacy
policies of these third parties.
5. Business Transactions:
- If we engage in a merger, corporate transaction, or other situations involving the transfer of some or all of our business assets, we may share your information with business
entities or individuals involved in the negotiation or transfer.
6. Legal Process:
- We may disclose personal data in response to subpoenas, warrants, court orders, government inquiries or investigations, or to comply with relevant laws and regulations. We may
also disclose information to establish, exercise, or protect our rights or the rights of others; to defend against a legal claim; to protect the safety and security of our
visitors; to detect and prevent fraud; and to take action in response to potential illegal activities or violations of our policies.
7. Other Instances:
- We may seek your permission to share your information with other third parties not explicitly covered elsewhere in this Policy.
Rest assured that we adhere to strict data protection practices when sharing personal data, with your privacy and security as our top
priority.
