Remit Choice Pty Ltd (`Remit Choice`) of 380 St Kilda Road melbourne 3004 , Australia is a data controller of your personal information. This privacy policy is issued on behalf of the Remit Choice Limited (Remit Choice UK), parent company of `Remit Choice`.
When we mention `Remit Choice`, `we`, `us` or `our` in this privacy policy, we are referring to the relevant company in the `Remit Choice UK` Group responsible for processing your data. `Personal information` means information that is about you or from which we can identify you. This privacy notice describes how we deal with your personal information. We are the data controller of this information under relevant data protection laws because in the context of our business relationship with you we decide how and why it is processed in the ways explained 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 organisations if you have questions (their details are in their notices).
This privacy notice may be updated from time to time. You should check https://www.remitchoice.com/privacy. this webpage is regularly updated so that you can read the up-to-date version. We may send you an updated copy (depending on whether we are required to do that or not).
· Basic Personal Data
o Your title, full name, signature, and contact details, including for instance your email address, home and mobile telephone;
o Your home address;
o Your date of birth and/or age;
o Your place of birth, nationality;
o Demographic information such as age and gender;
· Data to comply with Money Laundering Regulations:
o Proof of your identity, such as a passport, driving licence, national ID card or residence permit;
o Proof of address, such as a utility bill or bank statement;
o Details on the source of funds being sent, for example occupation details, payslips, credit card statements, tax rebate receipts or bank loan agreements.
· Personal information obtained from third party sources (where you have provided the relevant permission), including:
o Facebook, Twitter and Google profile contact information, images and names;
o Banks and payment service providers used to transfer money to us;
o advertising networks; and
o search engine providers (such as Yahoo or Google).
· Technical data, including:
o information about your visit to our website, including page views, the length of visits to certain pages;
o app downloads;
o operating system;
o IP address; and
o browser type.
We may collect certain personal information which (either on its own or when combined with other information we hold about you) allows us to identify you as an individual and which is about you. We set out below personal information that we generally process in connection with all our products and services.
PERSONAL INFORMATION THAT WE GENERALLY PROCESS IN CONNECTION WITH ALL OUR PRODUCTS AND SERVICES
This includes:
When you download our Mobile App, in addition to the information mentioned above we collect and process:
· Information you give us.
· This is the information that you consent to give to us about you when you download or register to use the Mobile App or website, subscribe to our services or by corresponding with us. This information includes identity, contact, financial and marketing and communications data. If you contact us, we will keep a record of that correspondence.
· Information we collect about you and your device.
· Each time you use our Mobile App/Website we will automatically collect information on the type of device you use, operating system version, and system and performance indication. 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.
· Location Data.
· Mobile Analytics Data.
· We may collect this data 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.
We will generally collect your personal information from you directly. If you are introduced to us by a broker or other intermediary, we will obtain some personal information about you indirectly from them when they introduce you to us.
In addition, we obtain your personal information from other sources such as Fraud Prevention Agencies, and other organisations to assist in prevention and detection of crime, police and law enforcement agencies.
Some of the personal information obtained to verify your account will have originated from publicly accessible sources. In particular, the information will draw on court decisions, bankruptcy registers and the electoral register (also known as the electoral roll).
At your request, where you provide us with information about third parties, e.g., recipients of transfers, we will also collect personal information in relation to those people (`Receiver Information`). By providing us with such information you confirm that you have obtained any necessary permissions from such persons to the reasonable use of the Receiver Information for such purposes in accordance with this notice, or are otherwise permitted to give to us the Receiver Information on their behalf. Please ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.
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:
Transactional Purposes
We need to collect your personal information in order to process your transactions. To do so we require you and your receivers bank account details or full name and address. Without the Receiver Information we would not be able to fulfil your transactions.
Regulatory Purposes
As a regulated institution, Remit Choice must comply with the Money Laundering, Terrorist Financing Regulations. As a result, Remit Choice (and its partners) must conduct Know Your Customer (`KYC`) and Customer Due Diligence (`CDD`) checks to comply with legal and regulatory obligations. Any personal information obtained for the purposes of preventing money laundering or terrorist financing is only used for that purpose. There may be occasions where use of the data is permitted under another enactment. All of this helps us keep our service safe and secure.
Marketing Purposes
We may process your personal information to provide you with certain types of marketing communication that we believe will be relevant and of interest to you. This helps us to provide a more personalised service. We will always endeavour to make these communications relevant and un-intrusive, and you are able to object to marketing communication from us at any time.
Analytical Purposes
We may collect and analyse data such as website or app visit logs, on our own or by using services of third parties, in order to improve the quality of our service.
In addition, we may share your personal data with third parties when it is necessary for the fulfilment of the service or to comply with applicable laws. We set out below some purposes for which we may share your personal information with third parties:
we may share your personal information with third parties, such as our partners and intermediaries, when they are necessary for the fulfilment of the service; and
· we may share your personal information when required by law, for example for the purposes of security, taxation and criminal investigations.
· We may also, from time to time, ask you for your consent for other purposes, which we will explain to you at the time. Much of what we do with your personal data is not based on your consent and is instead based on other legal grounds. However, for processing that is based on your consent, you have the right to revoke that at any time.
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:
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).
From time to time, your
personal information may be transferred to, stored in or accessed from a
destination outside Australia. It may also be processed by staff operating
outside of the Australia who work for us, or one of our partners.
We share your personal
information within the Remit Choice UK Group. This will involve
transferring your personal data to our 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 Australia, 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 Kingdom and the information is encrypted.
Our service facilitates
the transfer of currency to jurisdictions across the globe. The recipient
pay-out 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.
Unfortunately,
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 unauthorised 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 website or on in our mobile
app if alternative (such as work) telephone number contact details can be
left blank.
DO WE DO ANY MONITORING INVOLVING
PROCESSING OF YOUR PERSONAL INFORMATION?
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.
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 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 7 years, in accordance with
local regulations as applicable, following the termination of our relationship
in case of:
queries from you;
legal claims by you; and/or
legal and/or regulatory
requirements to which we are subject.
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.
The right to be informed about your
processing of your personal information;
The right to have your personal
information corrected if it is inaccurate and to have incomplete personal
information completed;
The right to object to processing
of your personal information;
The right to restrict processing of
your personal information;
The right to have your personal
information erased (the `right to be forgotten`);
The right to request access to your
personal information and to obtain information about how we process it;
The right to move, copy or transfer
your personal information (`data portability`);
Rights in relation to automated
decision making which has a legal effect or otherwise significantly affects
you.
If you are unhappy with our
response, Under the Privacy Act you may complain to the Office of the
Australian Information Commissioner about the way we handle your information.
The Commissioner can be contacted
at: GPO Box 5218 Sydney NSW 2001 Phone: 1300 363 992
Email: [email protected] www.oaic.gov.au
In addition, you have the right, at
any time, to object to 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 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 Choice may change this
Privacy Policy from time to time. All changes to this Privacy Policy are
effective when they are posted on this page. When we change the policy in a
material manner, we will let you know via email and/or a prominent notice on
our Site. The date of the most recent update is displayed at the top of the
page.
Any dispute or claim arising in
connection with this Privacy Policy will be considered in relation to the
English version only.
You can contact Remit Choice:
By post: 380 St Kilda Road melbourne 3004 , Australia
Via our website: https://www.remitchoice.com
You can also contact our Data Protection Officer if you have any questions about this notice, would like further information about the points raised or to exercise any of your rights. Contact details for our Data Protection Officer are:
Email: [email protected]
Phone No : +61383623121