Introduction

Remitted.org respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and the choices you have. It applies to our website, mobile app, and money transfer services (the "Services").

By using the Services, you acknowledge that you have read this Policy. If you do not agree with it, please do not use the Services.

Who Is Responsible for Your Data

Remitted.org, registered in the United Arab Emirates, is the data controller for the personal information described in this Policy. Our address is 43, 57b Street, Nadd Al Hamar, Dubai, United Arab Emirates. You can contact our data protection contact at info@remitted.org.

Information We Collect

Information you give us

• Identity details: Full name, nationality, and phone number.
• Contact details: email address, phone number, and home address.
• Verification documents: Passport.
• Payment details: Card details, bank account details, or other payment information.
• Recipient details: the recipient's name, contact details, and bank, wallet, or pickup information, and your relationship to them if requested.
• Transfer details: amounts, currencies, purpose of transfer, and Transfer Reference.
• Communications: messages, emails, and call recordings or chats with our support team.

Information we collect automatically

• Device and technical data: IP address, device type, operating system, browser, app version, and language settings.
• Usage data: pages viewed, features used, and the dates and times of your activity.
• Location data: approximate location based on your IP address [and precise location, only if you use it and with your permission].
• Cookies and similar technologies: see Section 9.

Information from other sources

• Identity verification and fraud prevention providers.
• Payment providers, banks, and delivery partners.
• Public or government databases and sanctions and watchlists, as permitted by law.

Why We Use Your Information

We use your information to:

1. Provide the Services: create your account, process Transfers, and deliver money to Recipients.
2. Verify your identity and meet legal duties: carry out identity checks, anti-money-laundering and counter-terrorist-financing checks, sanctions screening, and record keeping.
3. Prevent fraud and keep the Services secure: detect suspicious activity and protect you and others.
4. Provide support: answer your questions, resolve complaints, and investigate Transfer issues.
5. Send service messages: confirmations, status updates, security alerts, and changes to our Terms or Policy.
6. Improve the Services: understand how the Services are used and develop new features.
7. Market to you: tell you about offers or updates, only where permitted by law and, where required, with your consent. You can opt out at any time. [Remove if you do not send marketing.]
8. Enforce our rights: handle legal claims and enforce our Terms.

Our Legal Basis for Using Your Information

Depending on the situation, we rely on:

• Contract: where we need your information to provide the Services you requested.
• Legal obligation: where the law requires us to collect or keep information, for example for identity checks and anti-money-laundering rules.
• Legitimate interests: such as preventing fraud, securing our systems, and improving the Services, balanced against your rights.
• Consent: such as for certain marketing or optional cookies. You may withdraw consent at any time.

Who We Share Your Information With

We do not sell your personal information. We share it only where needed, with:

• Payment and banking partners that collect your payment and deliver funds to Recipients, including banks, mobile wallet providers, and cash pickup agents.
• Identity verification and fraud prevention providers.
• Service providers that help us run the Services, such as cloud hosting, customer support, communications, and analytics. They may use your information only to perform services for us.
• Regulators, law enforcement, courts, and tax authorities, where we are required or permitted by law to do so.
• Professional advisers, such as auditors, lawyers, and insurers.
• Business transfers: if Remitted is involved in a merger, acquisition, or sale of assets, your information may be transferred, subject to this Policy.
• Others, with your consent or at your instruction.

Recipients will also see the information needed to receive the money, such as your name and Transfer details.

International Transfers of Data

Because we move money across borders, your information may be sent to, stored in, or accessed from countries other than your own. These countries may have different data protection laws.

How Long We Keep Your Information

We keep personal information only as long as we need it for the purposes in this Policy, including to meet legal, regulatory, tax, and accounting requirements. Financial and identity records are generally kept for [number] years after your account closes or your last Transfer, or longer if the law requires. [Insert actual retention periods based on the laws that apply to Remitted.] When we no longer need your information, we delete or anonymise it.

Cookies and Similar Technologies

We use cookies and similar tools to keep you signed in, remember preferences, secure the Services, and understand how they are used.

• Essential cookies: needed for the Services to work.
• Analytics cookies: help us understand usage and improve the Services.
• Marketing cookies: used for advertising and measurement.

You can manage cookies through your browser or device settings, and [through our cookie banner/preferences tool]. Blocking some cookies may affect how the Services work.

How We Protect Your Information

We use technical and organisational measures to protect your information. No system is completely secure, and we cannot guarantee absolute security. You can help by keeping your password and verification codes private and telling us immediately if you suspect unauthorised access.

11. Your Rights and Choices

Depending on where you live, you may have the right to:

1. Access the personal information we hold about you.
2. Correct information that is inaccurate or incomplete.
3. Delete your information, subject to our legal duties to keep certain records.
4. Restrict or object to certain uses of your information.
5. Data portability: receive your information in a portable format.
6. Withdraw consent where we rely on it.
7. Opt out of marketing at any time using the unsubscribe link or by contacting us.
8. Complain to your local data protection authority.

To use these rights, contact us at [email]. We may need to verify your identity first. We will respond within [timeframe required by applicable law]. Some rights are limited where we must keep information to meet legal obligations, such as anti-money-laundering rules.