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).
WHAT KINDS OF
PERSONAL INFORMATION ABOUT YOU DO WE PROCESS?
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:
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.
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.
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.
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 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.
DO YOU HAVE TO
PROVIDE YOUR PERSONAL INFORMATION TO US?
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.
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:
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.
WHAT ARE YOUR
RIGHTS UNDER DATA PROTECTION LAWS?
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.
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