Privacy Policy

Effective March 2021

Introduction

Your privacy and keeping your personal information secure are extremely important to us. At WorldRemit, we are committed to protecting and respecting Your privacy and handling Your information in an open and transparent manner.

This Privacy Policy ("Policy") explains among other things: what we do with your personal information; what we do to keep it secure; with whom we share your information; your rights in relation to the personal information we hold about you; and who you can contact for more information. 

We will regularly amend or update this Policy to reflect changes in our practices with respect to the processing of personal information, or changes in applicable law. We encourage you to read this Policy carefully, and to regularly check this page to review any changes we might make to the terms of this Policy.

If you don't want to read all the details. Here are the highlights that you may really wish to know:

• WorldRemit is an online payments business that helps its customers transfer money globally.

• We are bound by the Personal Data Protection Act 2010 (the 'Act'), which requires we protect your information and inform you about how we handle your personal information.

• Where appropriate we share your personal information with our affiliates, partners and other companies. Upon request or where we are legally obliged, we may share your information with public agencies.

• We also collect from You information in relation to other people (for example, details of the recipients of Your money transfers). In providing this information you confirm to us that you have their permission to do so.

• We use some third parties to process your personal information on our behalf to perform our services for you, and due to the international nature of our business some of them are based outside Malaysia.

• You have several rights over your personal information and the manner in which you can exercise those rights are contained in this Policy.

• We will send you direct marketing if we are allowed to. We do this to encourage you to use our services and send you offers or promotions that may interest you. You can ask us to stop sending you marketing information at any time. Details of how to unsubscribe will be included on each marketing email that we send you.

• We will not collect sensitive information about you without your consent unless an exception in the Act applies. For example, if the collection is required or authorised by law.

Who we are?

WorldRemit (Malaysia) Sdn. Bhd ("WorldRemit", "we", "us", "our'') is an affiliate of WorldRemit Group (UK) Limited, having its office at L-2-1 Avenue Business Centre, Block L, Plaza Damas, No. 60, Jalan sri Hartamas 1, 50480, Kuala Lumpur, Malaysia.

We are a data controller for the purposes of Privacy Laws (as defined below). In this Policy, references to "You" and "Your" are references to a user of our website and/or of our Mobile App.

Definitions

To help clarify our meaning, we have used certain capitalised terms in this Policy. These terms and their meaning are:

“Customer” means any individual who has registered with us or used any of our Services or inquired about any of our Services.

“Privacy Laws'' means the Personal Data Protection Act 2010 and other applicable legislation relating to privacy or data protection.

“Marketing” means any action or advertisement or promotion or marketing material like surveys, vouchers, research and events. This list is not exhaustive.

“Services” means WorldRemit Money Transfer Service; WorldRemit Digital Money Account; Airtime Top Up; and such other services or products that we may introduce from time to time.

The personal information we collect about you

We may collect, record and use information about You in physical and electronic form and will hold, use and otherwise process this data in accordance with the Privacy Laws and as set out in this Policy.

The personal information we collect and use may include, amongst other things:

• Your name;

• Your contact information such as Your email address, postal address and telephone number (or any telephone number used to call our customer services);

• Your demographic information such as age, education, gender, and interests;

• evidence of Your identity (for example passport information);

• any correspondence or complaint made to us;

• unique identifiers such as Your username, account number and password;

• Your profiles and postings on any other social media applications and services that we provide or that You make available to us;

• Your payment details and other financial data (for example, Your bank or payment method provider’s name and Your account number and sort code); and

• information about Your visit to our website, including the full Uniform Resource Locators (URL), clickstream to, through and from our website (including date and time), length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs) and methods used to browse away from the page.

We also collect from You information in relation to other people (for example, details of the recipients of Your money transfers), where You provide us with such information. In providing this information you confirm to us that you have obtained all necessary permissions from them to the reasonable use of their information for the purposes and in the manner described in this Policy, or are otherwise permitted to give us this information on their behalf. Please also ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.

Sensitive information

Some information is classed as Sensitive Information. This includes information or an opinion about a person's political opinions, philosophical or religious beliefs or affiliations, membership of a political, trade or professional association or trade union, sexual preferences or practices, criminal record, health or genetic information, biometric information that is used for the purpose of biometric verification or identification, or biometric templates.

We will only collect, hold or disclose Sensitive Information if:

• You have consented; or

• the collection is required or authorised by or under Privacy Laws or a court / tribunal order.

How we collect your personal information

• Information You give to us when You use our services.

  If You use our services You will need to provide certain information including Your name, address and card number, as well as the name and other details of the recipients of the money transfers that you instruct us to carry out.

   

  This information must be complete and accurate, and if not we may have to take additional steps to complete the transaction.

• Other information You give to us.

  This is information about You that You give us by filling in forms on our website (for example, the ‘contact us’ section) or when you communicate with us by phone, e-mail or otherwise. It includes, for example, information You provide when You register on the website for us to contact You, when You inquire about any of our Services, and when You report a problem with our website. The information You give us may include, among other data, Your name and email address.

• Social Media.

  Depending on Your settings or the privacy policies for social media and messaging services such as Facebook, Linkedin and Instagram, You might give us permission to access information from those accounts or services.

• Other Sources.

  We may receive information about You from other sources, including publicly available databases and combine this data with information we already have about You. This helps us to update, expand and analyse our records and provide services that may be of interest to You.

• Information we collect about You.

• • Like most websites, we use "cookies" to help us make our site – and the way You use it – better. Cookies mean that a website will remember You. They are small text files that websites transfer to Your computer (or phone / tablet). They improve website use and speed – for example by automatically filling Your name and address in text fields. Please see our

    Cookies Policy

    for further information.

  • Log Files.

    In addition, with regard to each of Your visits to our site, we will automatically collect certain information (for example, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data). We may combine this automatically- collected log information with other information we collect about You.

  • Social Media Widgets.

    Our website includes Social Media Widgets or Features, such as the Facebook Like button and Twitter button which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal information, such as Your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

  
  

• Personal information from third parties.

  If we receive personal information about you that we do not request directly from you or from another party, we will decide whether we could have collected the information in accordance with this Policy and Privacy Laws. If so, we will keep the information and handle it in accordance with this Policy and applicable Privacy Laws. If we decide that we could not have collected the personal information in accordance with this Policy and applicable Privacy Laws, we will destroy or anonymise the information if it is reasonable and lawful to do so.

• Mobile App.

  When You download our Mobile App, in addition to the information mentioned above we:

• • automatically collect information on the type of device You use, operating system version, and system and performance information. We may send You push notifications from time-to-time in order to update You about events or promotions that we may be running. If You no longer wish to receive these types of communications, You may turn them off at the device level. To ensure You receive proper notifications, we will need to collect certain information about Your device such as operating system and user identification information;

  • may collect Your location-based information for the purpose of locating a place that You may be searching for in Your area. We will only share this information with our mapping provider for the sole purpose of providing You with this service. Your geo-location data may be shared with third parties for the purpose of serving You ads for places (such as restaurants) in Your area. You may opt-out of location-based services at any time by editing the setting at the device level or by emailing us at

    dataprivacy@worldremit.com

    ; and

  • may use mobile analytics software to allow us to better understand the functionality of our Mobile Software on Your device. This software may record information such as how often You use the Mobile App, the events that occur within it, aggregated usage, performance data, and where the Mobile App was downloaded from. We do not link the information we store within the analytics software to any personal information You submit within the Mobile App

Cookies and similar technologies

When you visit our site or use a Mobile App we may place Cookies onto your device, or read Cookies already on your device, subject always to obtaining your consent, where required, in accordance with applicable law. We use Cookies to record information about your device, your browser and, in some cases, your preferences and browsing habits. We may use your personal information through Cookies and similar technologies, in accordance with our Cookie Policy.

How we use your personal information

Our primary purpose in collecting user information is to provide You with a safe, smooth, efficient, and customised experience and to provide the services You have requested from us. We may also use the information that You have provided to ensure that the content on our site is presented in the most effective manner for You and Your computer or device.

We use Your information for the following specific purposes:

• to carry out our obligations arising from any contracts entered into between You and us or from applicable law, and to provide You with the Services in accordance with our

  terms and conditions

  and with this Policy;

• to register You with a WorldRemit account;

• to fulfil Your Transaction / (Airtime Top Up) Request;

• to send You confirmations;

• to notify You about temporary or permanent changes to our services or other service-related messages;

• to assist you where online applications are not completed;

• to prevent fraud, money laundering, and any other illegal activity that may cause you, us or others harm including in relation to the Services;

• comply with our legislative and regulatory requirements in any jurisdiction;

• to ensure that content from our site is presented in the most effective manner for You and for Your computer;

• to promote our business;

• to send You Marketing communications except you tell us not to do so.

• to administer our site and for internal operations, including troubleshooting, data analysis, profiling and segmentation analysis, testing, research, statistical and survey purposes;

• as part of our efforts to keep our site, Mobile App and our services safe and secure;

• to measure or understand the effectiveness of advertising we serve to You and others, and to deliver relevant advertising to You;

• to make suggestions and recommendations to You and other users of our site about services that may interest You or them;

• to train, monitor and assess the effectiveness of the manner in which we provide the Services to You;

• to consider and investigate any concerns or complaints you may have; and

• to display personal testimonials of satisfied customers on our website in addition to other endorsements, where You have agreed with a third-party review site that we may do so. If You wish to update or delete Your testimonial, You can contact us using

  this form.

Our legal grounds for processing your personal information

We only use your personal information for a specific purpose, and before we do so we must have a legal reason. Subject to applicable law, we will use your personal information where:

• We have obtained your prior consent to the processing.

• Processing is necessary:

• • for the performance of a contract, or to take steps prior to entering a contract with us;

  • for compliance with any legal obligation which we are subject to other than the obligation imposed by a contract;

  • to protect your vital interest;

  • for the administration of justice;

  • for the exercise of any functions conferred on any person by or under any law; or

  • for our legitimate interests (to the extent that such legitimate interests are not overridden by your interests).

Direct Marketing

We may use your personal information to contact you via email, telephone, direct mail or other communication formats to offer you products and services we believe may be of interest to you but we will not do so if you tell us not to. When we market products and services to you, we will comply with applicable Privacy Laws to obtain your consent if required.

You can ask us to stop sending you Marketing information by contacting us at any time. Details of how to unsubscribe will be included on each electronic mailing we send you. Alternatively, simply send an email to dataprivacy@worldremit.com with “URGENT - UNSUBSCRIBE REQUEST” in the subject line and the email address that you wish to be removed within the email.

Please note that if you request that we stop sending you Marketing messages, we will not stop sending you service and administrative communications (such as transfer updates and other important or transactional information).

We partner with third parties who may use technologies such as cookies to gather information about Your activities on this site and other sites in order to provide You advertising based upon Your browsing activities and interests (see Who we may share your personal information with). If You do not want to receive any information used for the purpose of serving You interest-based ads, You may opt-out by sending an email to dataprivacy@worldremit.com with “URGENT - UNSUBSCRIBE REQUEST”. You may continue to receive generic advertisements.

Who we might share your personal information with

Your personal information is very important to us. However there are circumstances where it is necessary for us to share your information in accordance with applicable law and subject to applicable professional and regulatory requirements regarding confidentiality and professional secrecy. In addition, we may disclose your personal information to:

• Our affiliates

  We share your information with our affiliates and other companies within the WorldRemit Group:

• • for our internal business, operational, management and service needs;

  • for compliance, regulatory and audit activity and in connection with legal, regulatory and tax claims and investigations;

  • to understand and support our Customers who use our services, apps and sites, as well as visitors to those apps and sites; and

  • to send Marketing communications.

  
  

• Third party processors

  which include

  people with whom we do business or who provides services to us. If we engage a third party processor to process your information, the Processor will be subject to binding contractual obligations to: only use the personal information in accordance with our prior written instructions; and use measures to protect the confidentiality and security of the personal information, together with any additional requirements.

  We may disclose data to provide our services, to respond to legal requirements, enforce our policies, liaise with judicial or regulatory authorities where required under applicable law, and protect our rights and property.

   

  Processors may include:

• • Credit reference agencies or other service providers to verify Your identity or the identity of recipients of the money transferred through our services or for any other purpose related to providing our services;

  • Debt collectors;

  • Professional advisers, such as our auditors and lawyers;

  • Companies that capture or analyse information to help us understand how our services, sites and Mobile Apps are used and perform or to tailor our services and promotions, including for the purpose of allowing us to improve the services we provide;

  • Companies that provide us with marketing assistance, including: the management of email marketing operations, SMS and other services that deploy marketing on the internet or social media platforms (such as Facebook and Google); the running of surveys and other feedback activity; as analysis of the effectiveness of any marketing or customer engagement we do;

  • Banks, payment card processors and other service providers that process bank transfers, credit and debit card payments or otherwise provide financial infrastructure services to enable us to provide our services;

  • Our service providers, including those who provide data hosting services, fraud prevention services; technology services, and technology tools that allow us to monitor, test and improve our services, sites and Mobile Apps;

  • Companies that we have instructed to provide services to or for us for those purposes that may be reasonably ascertained from the circumstances in which the information was submitted;

  • Other business entities should we plan to merge with, or be acquired by, or be invested in by that business entity, or if we undergo a corporate reorganisation; and

  • Any successor in business to us.

  
  

• Fraud Prevention Agencies

  Where we have a good reason to suspect fraud, money laundering, counter terrorist financing or any other illegal activity, we can upon request or where legally obliged share your personal information with crime prevention agencies and other third parties for the purpose of detecting, preventing or reporting crime or for actual or suspected breach of any applicable law or regulation. These third parties may include business partners and companies that provide services to us, law enforcement bodies, regulatory and supervisory authorities, providers of fraud prevention and detection services. Please note, we may suspend activity on your account or any transaction, refuse access to your account or cancel any transaction you may want to make, if we think there is a risk of any illegal activity.

• Public Agencies

  We release accounts or other personal information when we consider it appropriate to comply with the law or an order of a court or tribunal, to enforce our Terms and Conditions and any other agreement to protect the rights, property, health or safety of WorldRemit, our employees or Customers, our business partners or others or the public. In these circumstances, we will only provide them with the information they require to perform their function.

• Research companies

  We may share personal information in a secure way to allow research companies and feedback providers to contact you directly on our behalf to get your opinions on or refuse to take part in the research or surveys.

International transfer of your personal information

Due to the international nature of our business, we may need to transfer your personal information to other WorldRemit entities, to other third parties as stated in the “Who we might share your information with” section of this policy, and recipients, in connection with the purposes set out in this Policy. For this reason, we may transfer your personal information to other countries that may have different laws and data protection compliance requirements to those that apply in the country in which you are located.

Where recipients are outside Malaysia we ensure that the information will be protected by: safeguards comparable to Malaysia’s Privacy Laws; or by methods including using contractual clauses; or by ensuring the recipient is subject to laws of another jurisdiction that provide comparable protection to the Privacy Laws.

When we do disclose / or store personal information overseas, we protect that information using the security measures set out below and require overseas recipients to do the same. 

We also ensure that our data protection and information security controls applying to your personal information in Malaysia continue to apply in the hands of our affiliates or contracted service providers located overseas.

How we keep your personal information secure

We have implemented appropriate technical and organisational security measures designed to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, unauthorised access, and other unlawful or unauthorised forms of Processing, in accordance with applicable law.

Unfortunately, the transmission of information via the internet (including by email) is not completely secure. Although we will do our best to protect Your personal information, we cannot guarantee the security of Your data transmitted to our site; and any transmission is at Your own risk. Once we have received Your information, we will use strict procedures and security features to try to prevent unauthorised access.

Your Rights

Subject to applicable law, you may have a number of rights regarding our processing of your relevant personal information, including:

• the right not to provide your personal information to us (however, please note that we may be unable to provide you with the full benefit of our site, our Mobile App, or our services, if you do not provide us with your personal information);

• the right to request access to your personal information, together with information regarding the nature, Processing and disclosure of those personal information;

• the right to request for the correction of any inaccuracies in your personal information;

• the right that we restrict our use of your personal information if continued use is likely to cause damage or distress;

• the right to prevent processing for direct marketing purposes as stated in the “Direct Marketing” section of this policy;

• where we use your personal information on the basis of your consent, you have the right to withdraw that consent (noting that such withdrawal does not affect the lawfulness of any processing performed prior to the date on which we receive notice of such withdrawal, and does not prevent the processing of your personal information in reliance upon any other available legal basis);

• the right to freedom from automated processing and

• the right to lodge complaints with the Department of Personal Data Protection

  regarding the use of your personal information by us or on our behalf.

We may require proof of your identity before we can give effect to these rights. You should also be aware that some of these rights are qualified and not absolute; therefore exemptions or limitations may apply. For example, we can refuse to provide information if fulfilling your request would reveal the personal information about another person, or if you request that we delete information which we are required to retain by law, have compelling legitimate interests to keep, or need access to fulfil our legal obligations.

You can contact us at dataprivacy@worldremit.com if you want to enforce any of these rights. We will comply with our legal obligations as regards Your rights as a data subject. 

Any request for access to Your personal information must be in writing and we will endeavour to respond within a reasonable period. Generally, this will be within 21 days from the date of your request. We may extend this period for another 14 days in compliance with Privacy Laws. We reserve the right to charge a reasonable fee (reflecting the costs of providing the information) or to refuse to respond where requests are manifestly unfounded or excessive: in this case, we will explain the situation to You and we will inform You about Your rights.

How long will we keep your personal information for

We take every reasonable step to ensure that your personal information is only retained for as long as it is required for the purposes set out in this Policy. Therefore, we will only keep the information we collect about You for as long as required for the purposes set out above, or as required to comply with any legal or regulatory obligations to which we are subject. This will involve us regularly reviewing our files to check that information is accurate, up-to-date and still required.

The period for which we will retain information about You will vary depending on the type of information and the purposes that we use it for. In general, unless applicable law requires a longer retention period, we will keep our records for up to seven years after you have terminated your relationship with us, in order to comply with our legal and regulatory obligations.

How to make a privacy complaint?

WorldRemit takes all complaints seriously and will investigate your complaint accordingly.

If you believe that there has been a breach of the Act or elements of this Policy, or if you have any concerns about WorldRemit's handling of your personal information, please contact us using the contact us tab on our website or by emailing us at dataprivacy@worldremit.com. Your privacy complaint should be directed and addressed to the Privacy Officer.

Please note that we aim to respond to complaints within ____ working days of receipt. If you are not satisfied with our response to your complaint, you can also refer your complaint to the Department of Personal Data by:

• Writing to: Aras 6, Kompleks Kementerian Komunikasi dan Multimedia, Lot 4G9, Persiaran Perdana, Presint 4 Pusat Pentadbiran Kerajaan Persekutuan,62100 Putrajaya, Malaysia

• Telephone: 03-8000 8000

• Email: webmasterpdp@pdp.gov.my

Contact us

Questions, comments and requests regarding your personal information and our Policy are welcome and should be sent to: dataprivacy@worldremit.com or you can send it by post addressed to: WorldRemit (Malaysia) Sdn Bhd, L-2-1 Avenue Business Centre, Block L, Plaza Damas, No. 60, Jalan sri Hartamas 1, 50480, Kuala Lumpur, Malaysia or via email at:dataprivacy@worldremit.com

You may also use these contact details if You wish to make a complaint to us relating to Your privacy.

Version: effective on 22 May 2018

Privacy Policy

This website is operated and provided by WorldRemit Ltd ("WorldRemit", "we", "us", "our") having its registered office at 51 Eastcheap, London, EC3M 1DT, United Kingdom and, if you reside in a country where we provide our services to You and are a user of our website https://www.worldremit.com/ (“our site”) and/or of our mobile application (the “Mobile App”), we are a data controller for the purpose of Data Protection Legislation (as defined below). In this Privacy Policy, references to "You" and "Your" are references to a user of our website and/or of our Mobile App.

Introduction

We are committed to protecting and respecting Your privacy and handling Your information in an open and transparent manner.

This policy ("Privacy Policy") explains what information we collect from You, or You provide to us, what we will use it for and with whom we share that information. The Privacy Policy also sets out Your rights and who You can contact for more information. Please read the following carefully to understand our views and practices regarding Your personal data and how we will treat it.

In this Privacy Policy, Your information is sometimes called "personal data". We may also sometimes collectively refer to handling, collecting, protecting and storing Your personal data as "processing" such personal data.

In this Privacy Policy the term "Data Protection Legislation" means the EU General Data Protection Regulation 2016/679; together with all other applicable legislation relating to privacy or data protection.

What information we collect about You

We may collect, record and use information about You in physical and electronic form and will hold, use and otherwise process the data in accordance with the Data Protection Legislation and as set out in this Privacy Policy.

The personal data we collect and process may include, among others:

• Your name;

• Your contact information such as Your email address and telephone number (or any telephone number used to call our customer services);

• Your demographic information such as age, education, gender, and interests;

• Evidence of Your identity (for example passport information);

• unique identifiers such as username, account number and password;

• Your profiles and postings on any other social media applications and services that we provide or that You make available to us;

• Your payment details or other financial data, e.g.: Your bank or payment method provider’s name, or your account number, sort code and billing address; and

• information about Your visit to our website, including the full Uniform Resource Locators (URL), clickstream to, through and from our site (including date and time), length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs) and methods used to browse away from the page.

We also collect from You information in relation to other people (e.g.: details of the recipients of Your money transfers), where You provide us with such information. By providing us with such information you confirm that you have obtained any necessary permissions from such persons to the reasonable use of their information for such purposes in accordance with this notice, or are otherwise permitted to give us this information on their behalf. Please also ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.

How we collect information about You

• Information You give to us when You use our services

  If You use our services You will need to provide certain information including Your name, address and card number, as well as the name and other details the recipients of the money transfers that you instruct us to carry out.

• Other information You give to us.

  This is information about You that You give us by filling in forms on our site (e.g.: the ‘contact us’ section) or by corresponding with us by phone, e-mail or otherwise. It includes, for example, information You provide when You register on the site for us to contact You, and when You report a problem with our site. The information You give us may include, among other data, Your name and e-mail address.

• Social Media

  Depending on Your settings or the privacy policies for social media and messaging services such as Facebook, LinkedIn and Instagram, You might give us permission to access information from those accounts or services.

• Other Sources.

  We may receive information about You from other sources, including publicly available databases and combine this data with information we already have about You. This helps us to update, expand and analyse our records and provide services that may be of interest to You.

• Information we collect about You.

  • Like most websites, we use "cookies" to help us make our site – and the way You use it – better. Cookies mean that a website will remember You. They're small text files that sites transfer to Your computer (or phone / tablet). They improve website use and speed – for example by automatically filling Your name and address in text fields. Please see our Cookie Policy for further information.

  • Log Files. In addition, with regard to each of Your visits to our site, we will automatically collect certain information (e.g.: browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data). We may combine this automatically-collected log information with other information we collect about You.

  • Social Media Widgets. Our website includes Social Media Widgets or Features, such as the Facebook Like button and Twitter button which are interactive mini-programs that run on our site to provide specific services from another company (e.g.: displaying the news, opinions, music, etc). Personal information, such as Your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

  
  

• Mobile App: When You download our Mobile App, in addition to the information mentioned above we:

  • automatically collect information on the type of device You use, operating system version, and system and performance information. We may send You push notifications from time-to-time in order to update You about any events or promotions that we may be running. If You no longer wish to receive these types of communications, You may turn them off at the device level. To ensure You receive proper notifications, we will need to collect certain information about Your device such as operating system and user identification information;

  • may collect Your location-based information for the purpose of locating a place that You may be searching for in Your area. We will only share this information with our mapping provider for the sole purpose of providing You with this service. Your geo-location data may be shared with third parties for the purpose of them serving You ads for places (such as restaurants) in Your area. You may opt-out of location-based services at any time by editing the setting at the device level or by emailing us at;

  • and may use mobile analytics software to allow us to better understand the functionality of our Mobile Software on Your phone. This software may record information such as how often You use the Mobile App, the events that occur within it, aggregated usage, performance data, and where the Mobile App was downloaded from. We do not link the information we store within the analytics software to any personal data You submit within the Mobile App.

How we use Your information

Our primary purpose in collecting user information is to provide You with a safe, smooth, efficient, and customised experience and to provide the services You have requested from us. We may also use the information that You have provided to ensure that the content on our site is presented in the most effective manner for You and Your computer or device.

We use Your information for the following specific purposes:

• to carry out our obligations arising from any contracts entered into between You and us or from applicable law, and to provide You with the services in accordance with our terms and conditions and with this Privacy Policy;

• to register You with a WorldRemit account;

• to fulfil Your transfer / (Airtime Top Up) Request;

• to send You confirmations;

• to notify You about changes to our services;

• to prevent fraud;

• to ensure that content from our site is presented in the most effective manner for You and for Your computer;

• to send You marketing communications, provided that You have given us Your contact details in the course of a sale (or of negotiations for a sale) of our products or services and that you do not decide to opt out from this type of communications, in accordance with Data Protection Legislation (including the European Directive 2002/58/EC and The Privacy and Electronic Communications (EC Directive) Regulations 2003).

• to administer our site and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

• as part of our efforts to keep our site and our services safe and secure;

• to measure or understand the effectiveness of advertising we serve to You and others, and to deliver relevant advertising to You;

• to make suggestions and recommendations to You and other users of our site about services that may interest You or them; and

• to display personal testimonials of satisfied customers on our website in addition to other endorsements, where You have agreed with a third-party review site that we may do so. If You wish to update or delete Your testimonial, You can contact us using

Legal grounds for using Your personal information

The law permits us to process Your personal data in the way we do because the processing is:

• necessary for the purposes of the legitimate interests that we pursue, which are:

  • to run and administer our business;

  • to prevent fraud;

  • to provide you with our services;

  • to evaluate, develop or improve our services;

  • to keep you informed about relevant products and services you are using;

  • to discharge our legal obligations to store and disclose information where necessary; and/or

  • to provide You with an efficient and smooth customer experience;

• necessary for the performance of our contract with You to provide You with our services;

• necessary in order to comply with a legal obligation to which we are subject; or

• permitted by You, because You have given us consent.

Sharing Your information

The following categories of recipients may receive Your personal information and process it for the purposes outlined in this Privacy Policy:

• We may disclose data to provide our services, to respond to legal requirements, enforce our policies, liaise with judicial or regulatory authorities where required under applicable law, and protect our rights and property.

• The personal information You provide to us may also be shared with third party companies, agents, contractors, service providers or related companies, including without limitation:

  • with credit reference agencies to verify Your identity or recipients of the money transferred through the Service, if this is necessary to provide You with our services, respond to Your enquiries or for any other related purposes, and

  • with fraud prevention agencies who may use it to prevent fraud and money-laundering and to verify Your identity (please note that those who commit fraud can be refused services, finance or employment. Further details of how Your information will be used by us and these fraud prevention agencies can be found by contacting us at fraud@worldremit.com).

• We may also share Your personal information with:

  • other companies we have instructed to provide services to or for us;

  • other third parties for those purposes that may be reasonably ascertained from the circumstances in which the information was submitted;

  • other business entities, should we plan to merge with, or be acquired by, or be invested in by that business entity, or if we undergo a corporate re-organisation;

  • any successor in interest, in the event of a liquidation or administration of WorldRemit; and

  • to any other third party, but only subject to Your prior consent.

Links to Other Sites

Our website may contain links to other sites, including via our social media buttons. While we try to link only to websites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other websites and a link does not constitute an endorsement of that website. Once You link to another website from our website You are subject to the terms and conditions of that website, including, but not limited to, its internet privacy policy and practices. Please check these policies before You submit any data to these websites.

Behavioural Targeting / Re-Targeting

We partner with third parties to either display advertising on our website or to manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about Your activities on this site and other sites in order to provide You advertising based upon Your browsing activities and interests. If You wish to not have this information used for the purpose of serving You interest-based ads, You may opt-out by clicking here. You will continue to receive generic ads.

How we protect Your information

We ensure that there are appropriate technical, physical, electronic, and administrative safeguards in place to protect Your personal details from unauthorised access. When You enter certain information such as a credit card number on our order forms, we encrypt the transmission of that information using reasonable security measures. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

Unfortunately, the transmission of information via the internet (including by email) is not completely secure. Although we will do our best to protect Your personal data, we cannot guarantee the security of Your data transmitted to our site; any transmission is at Your own risk. Once we have received Your information, we will use strict procedures and security features to try to prevent unauthorised access.

How long we keep Your information

We will only keep the information we collect about You for as long as required for the purposes set out above, or as required to comply with any legal obligations to which we are subject. This will involve us regularly reviewing our files to check that information is accurate, up-to-date and still required.

The period for which we will retain information about You will vary depending on the type of information and the purposes that we use it for. In general, we will keep our records for up to 7 years after you have terminated your relationship with us, in order to comply with our legal obligations.

We may retain Your contact information collected for the purposes of sending You marketing communications in accordance with this policy for as long as You do not unsubscribe from receiving the same from us.

Transferring data outside of the EEA

Data that You submit via our site or Mobile App is sent to and stored on secure servers owned by, or operated for, us in the EEA. Data may be transferred to, or stored at, a destination outside the European Economic Area ("EEA") and may also be processed by staff operating outside the EEA who work for us, or for one of our service providers, related companies, agents or contractors. Such transfers may be made in order to operate the service, improve our site, Mobile App or services, or to assist in our security or fraud protection activities.

Where recipients are outside the EEA, we ensure that they provide an adequate level of protection for Your personal data or that the transfer is otherwise permitted under applicable Data Protection Legislation, by methods including using standard contractual clauses, binding corporate rules, registration for the Privacy Shield program, or by relying on a relevant adequacy decision by the European Commission or on other legal grounds or conditions, always in accordance with applicable Data Protection Legislation.

Where we feel it is necessary or appropriate we may seek to rely on Your consent as the legal basis for transferring Your personal data to outside the EEA, however we do not generally do so. Where we do, You may withdraw Your consent at any time.

Opting out

Where required by Data Protection Legislation, You will be given a choice when You provide us with Your personal information to opt in or opt out of receiving marketing communications.

You have the option of "unsubscribing" from our mailing list for marketing communications, alerts and updates at any time, thereby disabling any further marketing e-mail communication from being sent to You.

Details of how to unsubscribe will be included on each electronic mailing we send You. Alternatively, just send an email to dataprivacy@worldremit.com with "URGENT – UNSUBSCRIBE REQUEST" in the subject line and the email address that You wish to be removed within the email.

We will action any opt out request from You without delay.

Your rights

At any time, You have the right:

• to be informed about the processing of Your personal data (i.e., for what purposes, what type of personal data, to what recipients it is disclosed, storage periods, any third-party sources from it was obtained, confirmation of whether we undertake automated decision-making, including profiling, and the logic, significance and envisaged consequences). Reading this Privacy Policy forms part of Your right to be informed;

• to request access to or a copy of any personal data which we hold about You;

• to rectification of Your personal data, if You consider that it is inaccurate or not up-to-date;

• to ask us to delete Your personal data, if You consider that we do not have the right to hold it;

• to withdraw consent to our processing of Your personal data (to the extent such processing is based on previously obtained consent);

• to ask us to stop or start sending You marketing messages at any time by using the below contact details;

• to restrict processing of Your personal data;

• to data portability (moving some of Your personal data elsewhere) in certain circumstances; and

• to object to Your personal data being processed in certain circumstances.

You can contact us at dataprivacy@worldremit.com if you want to enforce any of these rights. We will comply with our legal obligations as regards Your rights as a data subject.

Any request for access to Your personal data must be in writing and we will endeavour to respond within a reasonable period and in any event within one month (three months for complex or numerous requests), in compliance with Data Protection Legislation. We reserve the right to charge a reasonable fee (reflecting the costs of providing the information) or to refuse to respond where requests are manifestly unfounded or excessive: in this case, we will explain the situation to You and we will inform You about Your rights.

We aim to ensure that the information we hold about You is accurate at all times. To assist us in ensuring that Your information is up to date, You will need to let us know if any of Your personal details change. Upon your request, we will take reasonable steps to ensure that the data is accurate, and we will rectify any personal data that is incorrect promptly and in any case within one month of Your request.

Changes to this Privacy Policy

Any changes we make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to You by e-mail. Please check back frequently to see any updates or changes to our Privacy Policy.

Complaints

Questions, comments and requests regarding this Privacy Policy are welcomed and should be addressed to:

WorldRemit Ltd

51 Eastcheap,

London, EC3M 1DT,

United Kingdom

United Kingdom

Email: this form

You may also use these contact details if You wish to make a complaint to us relating to Your privacy.

If You have any concerns about our use of Your information, You also have the right to make a complaint to:

• the Information Commissioner's Office, which regulates and supervises the use of personal data in the United Kingdom, via their helpline on 0303 123 1113; or

• if you are based in a different EU or EFTA country, the national data protection supervisory authority in such country (a list can be found at: http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080).