Privacy Policy of Remit Union Limited
United Kingdom
We are dedicated to protecting and respecting your privacy and handling your information openly and transparently.
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 whom You can contact for more information
In this Privacy Policy, your information is sometimes called "personal data". We may also sometimes mutually refer to
Please read this carefully as this policy is legally binding when you use our Services as this privacy policy describes how Remit Union, collects and uses your personal information
Please note that under its MSB license from the FCA, Remit Union can only provide home remittance services. Thus, we do not offer any financial services other than home remittances. We are not financial partners or payment collection partners of companies offering any other products or services. Customers are informed clearly that we only offer remittance services and are advised to acquire products/services from such companies at their own risk. We are not liable for any of their financial losses. We are not taking payments via MOTO (mail order, telephone order)
If you have questions or concerns regarding this policy, you should first contact us at DPO’s email info@remitunion.co.uk
What Kind of information do 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 underthe Data Protection Legislation and as set out in this Privacy Policy
The personal data we collect and process may include, among others:
How We Collect Personal Information
We and our service providers collect personal information in different ways, including:
How Remit Union will use Your information
Our primary purpose in collecting user information isto provide You with a safe,smooth, efficient,and customized 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 most effectively for You and Your computer or device.
Remit Union will Your information for the following specific purposes:
Legal grounds for using Your personal information
The law permits us to process Your data in the way we do because the processing is:
Required for the legitimate interests that we chase, which are:
Required for the performance of our contract with You to provide You with our services; required to comply with a legal commitment to which we are subject; or Allowed 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 reveal data to provide our services, to respond to legal requirements, enforce our policies, link with judicial or governing establishments where required under applicable law, and protect our rights and property.
The personal informationYou provide to usmay also be shared with third-party companies,agents, contractors,service providers, orrelated companies, including without restriction
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 inquiries or for any other related purposes, and
With scam prevention agencies who may use it to prevent scams and moneylaundering and to verify Your identity (please note that those who commit scams can be refused services, finance, or employment.
We may also share Your personal information with:
OurInformation Security
How long we keep Your information
Yourrights:
You have all the right to ask usto stop your data for the processing of payment or not to use it for any kind of social media campaign / Marketing
To be informed about the processing of Your 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;
You can contact us at info@remitunion.co.uk if you want to enforce any of these rights.We will comply with our legal obligations as regards Your rights as a data subject.
User Access, Change, Or Deletion Of Private Information
As per law, you have all the right to access personal data, and your right of access can be exercised under relevant data protection legislation.
Any access request may be subject to a fee to meet our cost in providing you with details of the information we hold about you.
You may request our Authorized agents / Branch to update your private information and you may also, restrict them to use your personal information for any further use
In case of any complaints concerning personal data please contact us at info@remitunion.co.uk
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
How to contact us
If you would like to ask any questions regarding t h e privacy policy, please feel free to write to us at
Phone: 00441614140203 / 00443302292188
Whatsapp: +44 7824064171
Email: info@remitunion.co.uk
Europe
This Privacy Policy is presented on behalf of Remit Union Limited ("Remit Union"), located at The Black Church, St. Mary's Place, Dublin, Ireland, D07 P4AX.
In this Privacy Policy, when we use terms such as "Remit Union," "we," "us," or "our," we are specifically referring to the pertinent company within the Remit Union organization responsible for the processing of your data. "Personal information" encompasses data that pertains to you or enables us to identify you. This privacy notice elucidates how we manage your personal information. As it pertains to your data within the scope of our business relationship, we assume the role of the data controller under the applicable data protection laws. This entails that we make determinations about how and for what purposes this information is processed, as elaborated in this privacy notice.
We can be contacted at any time including if you have queries about this privacy notice or wish to exercise any of the rights mentioned in it
You will see at the end of this privacy notice that we mention the privacy notices of relevant third parties. We do need to share these with you. Please read them carefully and contact those organizations if you have questions (their details are in their notices).
Please be aware that this privacy notice is subject to periodic updates. We encourage you to visit our website at https://remitunion.co.uk/en/privacy_policy.php regularly to access the most current version. Depending on the regulatory requirements and the nature of the changes made, we may also provide you with an updated copy for your reference.
We may gather specific personal information that, either on its own or when amalgamated with other data within our possession, facilitates the identification of you as an individual and pertains to you. The subsequent section delineates the categories of personal information that we typically handle in the context of all our products and services.
This includes:
When you download our Mobile App, in addition to the information mentioned above we collect and process:
We typically collect your personal information directly from you. If you are referred to us by a broker or another intermediary, we may also obtain some of your personal information indirectly from them during the introduction process.
Furthermore, we source your personal information from various other channels, including Fraud Prevention Agencies, Identity verification service providers, and other entities, all of which aid in the prevention and detection of criminal activities, as well as law enforcement agencies to fulfill our legal obligations in accordance with local regulations.
It's important to note that certain personal information used for account verification purposes may have originated from publicly accessible sources. This information may encompass data from court records, bankruptcy registers, and the electoral register, also referred to as the electoral roll.
INFORMATION THAT YOU FURNISH ABOUT THIRD PARTIES
Upon your request, in cases where you supply us with details pertaining to third parties, such as recipients of transfers, we will additionally gather personal information concerning these individuals, referred to as "Receiver Information." By providing us with such information, you affirm that you have acquired any requisite authorizations from these individuals to reasonably utilize the Receiver Information for the purposes outlined in accordance with this notice. Alternatively, you confirm that you are authorized to provide us with Receiver Information on their behalf. It is crucial to ensure that these other individuals are well-informed about this notice, and that the stipulations contained herein are effectively communicated to them.
WHAT DO WE DO WITH YOUR DATA AND WHO DO WE SHARE IT WITH?
We will only use your personal information when the law allows us to do so. Most commonly we use your personal information in the following purposes:
Any third party that receives or has access to Information is required to protect such Information and use it only to carry out the services they are performing for you or for MONSAS, unless otherwise required or permitted by law. We shall ensure any such third party is aware of our obligations under this Policy and we enter into contracts with such third parties by which they are bound by terms no less protective of any Information disclosed to them than the obligations we undertake to you under this Policy or which are imposed on us under applicable data protection laws.
We will transfer your Information to our subcontractor solely for the purposes of providing our services to you. Our main subcontractor for the services, Remit Union Limited, is a British Company incorporated in the United Kingdom with registration number 12562683 and registered address Saxon House 27, Duke Street, Chelmsford Essex, England, CM1 1HT. Each transfer will be protected by appropriate safeguards of the relevant legally binding obligations of the recipient to protect and handle your Information in accordance with this Policy. For sole purpose of providing our services to you, Remit Union Limited with its subsidiaries, associates or partners.
Data protection laws require us to explain what legal grounds justify our processing of your personal information (this includes sharing it with other organisations). For some processing more than one legal ground may be relevant (except where we rely on a consent). Here are the legal grounds that are relevant to us:
Where we consider that it is appropriate for us do so, processing is necessary for the following legitimate interests which apply to us and in some cases other organisations (who we list below) are:
Processing necessary to comply with our legal obligations:
Processing with your consent:
Much of what we do with your personal information is not based on your consent, instead it is based on other legal grounds. For processing that is based on your consent, you have the right to take back that consent for future processing at any time. You can do this by contacting us using the details below. The consequence might be that we cannot send you some marketing communications (but this outcome will be relevant only in cases where we rely on explicit consent).
We are based in the Irland but sometimes your personal information may be transferred outside the European Economic Area. If it is processed within Europe or other parts of the European Economic Area (EEA) then it is protected by European data protection standards. Some countries outside the EEA do have adequate protection for personal information under laws that apply to us. We will make sure that suitable safeguards are in place before we transfer your personal information to countries outside the EEA which do not have adequate protection under laws that apply to us.
From time to time, your personal information may be transferred to, stored in or accessed from a destination outside the EEA. It may also be processed by staff operating outside of the EEA who work for us, or one of our Partners.
We share your personal information with Remit Union Limited (UK). This will involve transferring your personal data to their central office function, based in Pakistan. We ensure your personal data is protected by requiring all our group companies to follow the same rules when processing your personal data
Whenever we transfer your personal data out of the EEA, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:
All information you provide to us is stored on our secure servers. Our servers are hosted in the United States and the information is encrypted.
Our service facilitates the transfer of currency to jurisdictions across the globe. The recipient payout partner will request information to verify the identity of the sender. Your personal information will therefore be transferred to the jurisdiction to which you choose to transfer the currency.
For more information about suitable safeguards and (as relevant) how to obtain a copy of them or to find out where they have been made available you can contact us using the details above. Unfortunately, the transmission of information via the Internet cannot be considered completely secure. We do our utmost to protect your personal information, however, we cannot guarantee the security of those transfers. Any transmission of your personal information is at your own risk. Once we have received your personal information, we will use strict procedures and security controls to try to prevent unauthorized access.
You should tell us without delay so that we can update our records.
We are unable to provide you with products and services or to process your application without having personal information about you. Your personal information is required before you can open an account with us, or it is required during the life of that contract, or it is required by laws that apply to us.
In cases where providing some personal information is optional, we will make this clear. For instance, we will say in application forms, on our website if alternative (such as work) telephone number contact details can be left blank.
In this section monitoring means any listening to, recording of, viewing of, intercepting of, or taking and keeping records (as the case may be) of calls, email, text messages, social media messages, in person face to face meetings and other communications.
We may monitor where permitted by law and we will do this where the law requires it. In particular, where we are required by the regulatory regime to record certain telephone lines or in person meetings (as relevant) we will do so.
Some of our monitoring may be to comply with regulatory rules, self-regulatory practices or procedures relevant to our business, to prevent or detect crime, in the interests of protecting the security of our communications systems and procedures, to have a record of what we have discussed with you and actions agreed with you, to protect you and to provide security for you (such as in relation to fraud risks on your account) and for quality control and staff training purposes.
Some of our monitoring may check for obscene or profane content in communications. We may conduct short term carefully controlled monitoring of your activities on your account(s) where this is necessary for our legitimate interests or to comply with our legal obligations. For instance, where we suspect fraud, money laundering or other crimes.
Email exchanges, web chat, telephone calls and in person meetings between us and you in connection with your application and/or your account(s) may be recorded to make sure that we have a record of what has been discussed and what your instructions are. We may also record these types of calls for the quality control and staff training purposes.
This section is relevant where we make decisions about you using only technology, and where none of our employees or any other individuals have been involved in the process. For instance, in relation to transactions, triggers and events such as account opening anniversaries and maturity dates. We may do this to decide what marketing communications are suitable for you, to analyse statistics and assess lending and insurance risks.
We can do this activity based on our legitimate interests (and they are listed in the section about legal grounds above) only where the profiling and other automated decision making does not have a legal or other significant effect on you. In all other cases, we can do this activity only where it is necessary for entering into or performing the relevant contract, is authorised by laws that apply to us, or is based on your explicit consent. In those cases, you have the right to obtain human intervention to contest the decision (see ‘rights in relation to automated decision making which has a legal effect or otherwise significantly affects you’ below). Profiling for direct marketing can mean there is a separate right to object (see ‘rights to object’ below).
Unless we explain otherwise to you, we will hold your personal information for up to 5 years, in accordance with local regulations as applicable, following the termination of our relationship in case of:
If you would like further information about our data retention practices, please contact us. 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 data from us.
Here is a list of the rights that all individuals have under data protection laws. They do not apply in all circumstances. If you wish to exercise any of them, we will explain at that time if they are engaged or not.
You have the right to complain to the Office of The President of the Personal Data Protection Office (UODO) which enforces data protection laws: https://uodo.gov.pl
In addition, you have the right, at any time, to object to the processing of personal data for direct marketing purposes. If you wish to exercise any of these rights against the Credit Reference Agencies or any other intermediary who is the data controller in its own right, you should contact them separately
Your personal information may be converted into statistical or aggregated data which cannot be used to re-identify you. It may then be used to produce statistical research and reports. This aggregated data may be shared and used in all the ways described in this privacy notice
We will only share anonymised and encrypted data with third parties. We may also provide our partners with anonymous aggregated data about our customers for marketing and analytical purposes, to help optimise our marketing communications.
We may use your home address, phone numbers, email address and social media (e.g. Facebook, Google and message facilities in other platforms to contact you to send you communications about offers or promotions that we believe are relevant for you based on your previous use. We will only do this if we have a legal ground which allows it under data protection laws – see above for our legal ground for marketing. You can opt out of our marketing at any time by contacting us or by following the instructions on how to do that in the marketing email or other communication.
We have mentioned that we share your personal information with receiver banks, partners who help us to complete your transactions and Credit Reference Agencies. They require us to pass on to your information about how they will use your personal information to perform their services or functions as data controllers in their own right. These notices are separate to our own.
In addition, when you log into your account via Facebook, Google, YouTube, Instagram, Twitter or LinkedIn your data will be processed by these policies and as such your personal information will also be subject to these third-party privacy notices.
In circumstances where you use your Facebook or Google login credentials to create and/or log in to your account your personal information may be processed by Facebook or Google marketing tools. These tools identify individuals with reference to their particular interests or behaviours to those of our customers.
Remit Union Limited reserves the right to modify this Privacy Policy periodically. Such modifications become effective upon their publication on this page. In cases where substantial alterations are made to the policy, we will notify you through email and/or by displaying a prominent notice on our website. The date of the most recent update will be prominently featured at the top of this page.
Please note that any dispute or claim arising in connection with this Privacy Policy will be exclusively considered in relation to the English version thereof.
You may reach out to Remit Union Limited through the following contact methods:
Mailing Address:
Remit Union Limited
The Black Church
St. Mary's Place
Dublin, Ireland
D07 P4AX
Website:
For online inquiries and information, please visit our official website at https://remitunion.co.uk/en/.
Data Protection Officer Contact:
If you have any inquiries or require additional information pertaining to this notice, or if you wish to exercise your rights, please do not hesitate to contact our Data Protection Officer. The contact details for our Data Protection Officer are as follows:
Email: info@remitunion.co.uk
Your communication is important to us, and we are committed to providing prompt and professional assistance.
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