RemitWing Privacy Policy

Last Updated: [Date]

At RemitWing, we respect your privacy and are committed to protecting your personal information.

This Privacy Policy explains how [Full Legal Company Name], operating the RemitWing platform, collects, uses, stores, shares, and protects your personal information when you use our website, mobile application, and related services.

By using RemitWing, you acknowledge the practices described in this Privacy Policy.

1. Who We Are

RemitWing is operated by:

Legal Company Name: [Full Legal Company Name]
Registration Number: [Company Registration Number]
Registered Address: [Registered Address]
Email: [privacy@remitwing.com]

Depending on the service you use, certain payment, remittance, identity-verification, or payout services may be provided by third-party regulated service providers.

2. Information We Collect

We may collect the following categories of personal information.

Personal Identification Information

• Full legal name.

• Date of birth.

• Nationality.

• Residential address.

• Email address.

• Mobile phone number.

• Gender, where required.

• Occupation or employment information where required.

Identity Verification Information

To comply with Know Your Customer (KYC), anti-money laundering, fraud prevention, and other regulatory requirements, we may collect:

• Passport.

• National identity card.

• Driving licence.

• Selfie or facial verification information.

• Proof of address.

• Identification document number.

• Document issue and expiration dates.

• Source of funds information.

• Source of wealth information where required.

Transaction Information

We may collect information relating to transactions made through RemitWing, including:

• Amount sent.

• Currency.

• Exchange rate.

• Transaction fees.

• Recipient information.

• Destination country.

• Payment method.

• Transaction status.

• Transaction date and time.

• Transaction reference number.

Recipient Information

When you send money to another person, we may collect information about the recipient, including:

• Full name.

• Phone number.

• Bank account or payout information.

• Country.

• Address where required.

• Identification details where required by law or our payment partners.

You are responsible for ensuring that you are authorized to provide the recipient's personal information to us.

Payment Information

Depending on the payment method used, we or our Payment Partners may process:

• Bank account information.

• Card payment information.

• Payment account identifiers.

• Payment transaction references.

Payment information may be processed directly by regulated banks, payment institutions, card processors, or other Payment Partners.

RemitWing may not directly store all payment information where such information is processed by our external Payment Partners.

Device and Technical Information

When you access RemitWing, we may automatically collect:

• IP address.

• Device type.

• Operating system.

• Browser type.

• Application version.

• Device identifiers.

• Login information.

• Session information.

• Security and authentication events.

Location Information

We may collect approximate location information based on your IP address, device information, or other technical information.

Where precise location information is required, we will request appropriate permission where required by law.

3. How We Use Your Information

We may use your personal information to:

• Create and manage your account.

• Verify your identity.

• Process money transfers and payments.

• Process payouts to recipients.

• Provide exchange-rate and transaction information.

• Monitor and manage transactions.

• Prevent fraud and unauthorized activity.

• Perform KYC and AML checks.

• Conduct sanctions and politically exposed person (PEP) screening.

• Meet regulatory and legal obligations.

• Detect suspicious transactions.

• Protect our systems and users.

• Provide customer support.

• Resolve complaints and disputes.

• Improve our services.

• Develop new products and features.

• Communicate important service information.

• Send marketing communications where permitted by law.

• Maintain internal records.

• Conduct analytics and performance monitoring.

4. Legal Bases for Processing

Where applicable data-protection laws require us to identify a legal basis for processing, we may process your information because:

• Processing is necessary to provide services you requested.

• Processing is necessary to perform our contract with you.

• Processing is required by law.

• Processing is necessary to comply with AML, KYC, sanctions, fraud-prevention, or regulatory obligations.

• Processing is necessary for our legitimate business interests.

• You have provided consent where consent is required.

Where we rely on consent, you may withdraw your consent subject to applicable law.

5. KYC, AML and Fraud Prevention

As a financial technology and remittance platform, we may be required to verify your identity and monitor transactions.

We and our service providers may use automated or manual systems to:

• Verify identification documents.

• Verify identity and facial information.

• Screen customers and recipients against sanctions lists.

• Identify politically exposed persons.

• Detect suspicious transactions.

• Identify fraud.

• Assess transaction risk.

We may request additional documents or information where necessary.

We may also restrict, delay, reject, or report transactions where required by law or regulatory obligations.

6. How We Share Your Information

We may share your personal information where necessary with:

Payment and Financial Partners

Including:

• Banks.

• Payment institutions.

• Electronic money institutions.

• Remittance providers.

• Payment processors.

• Card networks.

• Payout providers.

• Foreign-exchange providers.

Identity and Compliance Providers

Including providers of:

• KYC verification.

• Identity verification.

• AML screening.

• Sanctions screening.

• Fraud prevention.

• Transaction monitoring.

Technology Providers

We may use third-party providers for:

• Cloud hosting.

• Data storage.

• Communications.

• Email and SMS delivery.

• Customer support.

• Security.

• Analytics.

• Application infrastructure.

Government and Regulatory Authorities

We may disclose information to:

• Financial regulators.

• Financial intelligence units.

• Law-enforcement authorities.

• Courts.

• Tax authorities.

• Other government bodies.

We will do so where legally required or permitted.

Professional Advisers

We may share information with professional advisers such as:

• Lawyers.

• Accountants.

• Auditors.

• Compliance consultants.

• Cybersecurity specialists.

These parties are required to protect confidential information where applicable.

7. International Data Transfers

Because RemitWing may work with international payment, compliance, infrastructure, and payout partners, your personal information may be processed in countries outside your country of residence.

Where required by applicable data-protection law, we use appropriate safeguards for international transfers of personal information.

These safeguards may include contractual protections and other legally recognized transfer mechanisms.

8. Data Security

We use technical and organizational measures designed to protect personal information against:

• Unauthorized access.

• Unauthorized disclosure.

• Loss.

• Alteration.

• Fraud.

• Misuse.

• Destruction.

Security measures may include:

• Encryption in transit.

• Access controls.

• Authentication controls.

• Security monitoring.

• Restricted access to production environments.

• Secure infrastructure.

• Logging and monitoring.

• Security testing.

However, no electronic system or internet transmission can be guaranteed to be completely secure.

You are responsible for keeping your password, device, authentication credentials, and account information secure.

9. Data Retention

We retain personal information for as long as necessary to:

• Provide our services.

• Fulfil the purposes described in this Privacy Policy.

• Comply with AML and financial-services regulations.

• Meet accounting and tax requirements.

• Prevent fraud.

• Resolve disputes.

• Respond to regulatory requests.

• Enforce our agreements.

Financial and identity information may need to be retained for several years after your account is closed where required by applicable law.

When information is no longer required, we may securely delete or anonymize it.

10. Cookies and Similar Technologies

Our website and services may use cookies and similar technologies to:

• Keep you logged in.

• Remember preferences.

• Protect account security.

• Monitor platform performance.

• Understand how users interact with our services.

• Improve functionality.

• Measure website traffic.

Where required by law, non-essential cookies will only be used after obtaining your consent.

You may manage cookie preferences through your browser or our cookie-management tools where available.

11. Marketing Communications

Where permitted by law, we may send you information about:

• New products.

• Promotions.

• Service updates.

• Special offers.

You may unsubscribe from marketing communications at any time.

Transactional, security, compliance, or account-related communications may still be sent where necessary.

12. Your Privacy Rights

Depending on your country and applicable privacy law, you may have the right to:

• Access your personal information.

• Request correction of inaccurate information.

• Request deletion of certain information.

• Request restriction of processing.

• Object to certain processing.

• Withdraw consent.

• Request portability of your information.

• Request information about how your data is processed.

• File a complaint with a competent data-protection authority.

These rights may be subject to legal limitations.

For example, we may be legally required to retain transaction or identity information even after you request deletion.

To exercise your rights, contact:

Email: [privacy@remitwing.com]

We may need to verify your identity before completing your request.

13. Account Deletion

You may request closure of your RemitWing account.

Closing your account does not necessarily mean that all personal information will be immediately deleted.

Certain information may need to be retained where required for:

• AML compliance.

• Financial regulations.

• Fraud prevention.

• Tax obligations.

• Legal claims.

• Regulatory investigations.

Information that is no longer legally required may be deleted or anonymized in accordance with our retention procedures.

14. Children's Privacy

RemitWing services are intended only for individuals aged 18 years or older.

We do not knowingly provide our services to children under 18.

If we become aware that personal information has been collected from an individual who is not eligible to use the service, we may close the account and take appropriate steps regarding the information.

15. Third-Party Websites and Services

RemitWing may contain links to third-party websites or integrate third-party services.

Those third parties may have their own privacy policies.

We encourage you to review their privacy policies before providing personal information.

16. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

• Changes to our services.

• Changes to our Payment Partners.

• Changes in applicable laws.

• Changes in regulatory requirements.

• Changes in our privacy practices.

When we make material changes, we may notify you through the website, application, email, or other appropriate methods.

The latest version will always display the date it was last updated.

17. Complaints

If you believe your personal information has been handled incorrectly, please contact us first so that we can investigate.

You may also have the right to submit a complaint to the data-protection authority responsible for your jurisdiction.

18. Contact Us

If you have questions about this Privacy Policy or how we process your personal information, contact:

RemitWing

Operated by: [Full Legal Company Name]

Registration Number: [Company Registration Number]

Registered Address: [Registered Address]

Privacy Email: [privacy@remitwing.com]

Support Email: [support@remitwing.com]

Website: www.remitwing.com