Privacy Policy

• Why we collect your personal information?

As customers of MetroRemit, we will collect and maintain basic information about you for the following purposes:

·         To create and develop a relationship with you, to provide you with our services without interruption. For example, when you apply for any of our services, we will collect personal information about you to allow us validate your identity for purposes of registration, transaction fulfillment, and collection of fees for the remittance services and other ancillary purposes that you may avail from us.

·         To improve our products and services. We will collect, use, process, and analyze how you use our products and services so that we can understand how to improve them for your benefit.

·         To understand your needs and preferences so that we can serve you better. Maintaining a record of the services that you avail from us allows us to gain a better understanding of the kinds of offers that would be relevant to your preferences. From time to time, we may send you service recommendations and special offers that we think will interest you.

·         To continuously improve our business and operations. For example, we analyse customer usage and transaction history to help us manage your account, provide customer care activities, monitor the quality and security of the platform, train our staff, and plan for future growth.

·         To meet legal and regulatory requirements. We perform such other processing or disclosure that may be required to comply with pertinent laws, rules, or regulations.

We may collect and use the following Basic personal data, such as (but not limited to):

-          Name

-          Date of birth

-          Nationality

-          Address

-          Phone number

-          E-mail address

Other data is necessary for MetroRemit to provide the Service to you. We will request this data when you sign up, or before the Service is provided to you.

Data for ‘Know Your Customer’ (KYC) regulations, such as (but not limited to) the following:

-          Proof of your identity, such as valid passport, driving licence, national ID card or residence permit

-          Proof of your address, such as recent utility bill or bank statement

-          Additional details on the source of funds being sent, such as payslip, credit card statement, certificate of sale of UK Property, inheritance certificate, tax rebate receipt, bank loan agreement or other valid documentary evidences.

This data will sometimes be needed to conduct Know Your Customer (KYC), Customer Due Diligence (CDD) and security checks, as required by local and international regulations. This helps us keep your money safe, and we will only request these details when we deemed necessary.

Data about your recipient, such as (but not limited to):

-          Name

-          Address

-          Mobile number

-          Account Details (If Applicable)

This data will sometimes be needed to conduct Know Your Customer (KYC), Customer Due Diligence (CDD) and security checks, as required by local and international regulations. This helps us keep your money safe, and we will only request these details when we deemed necessary. All data about your recipients will be treated with confidentiality in line with our business standards and this Privacy Policy.

Data from other third party sources, such as but not limited to the following:

-          Facebook, Twitter or Google profile images and names

-          Banks and payment service providers used to transfer money to us

-          Advertising networks

-          Search engines providers (such as Google and others)

-          Credit reference agencies

MetroRemit collects this data only when you provide the relevant consent to social media sites.

Technical data, such as (but not limited to):

-          Page views

-          App downloads

-          Operating system

-          Browser type

All data that you provide to us is encrypted on our secure servers. We restrict access to your data to specific employees of MetroRemit who have an important business-related reason for handling it. Our communications such as e-mail are encrypted and protected using the TLS (Transport Layer Security) technology protocol.

Depending on what purpose of your data is used for, the length of time we keep it may vary. Either way, we will only hold your data as long as necessary to serve the purpose it is used for.

Regulatory
We are legally required to keep the data obtained for Know Your Customer (KYC), Customer Due Diligence (CDD) and security purposes (including transaction records and our communications with you) for at least five years after the most recent transaction.

Legitimate Interest
When the five years’ retention period and/or legitimate interest no longer apply, we will remove your data from our system.

Consent
In situations where you give us specific consent to process certain kinds of data, you are able to withdraw that consent at any time. We will then stop processing your data and, if the five years’ retention period and/or legitimate interest retention period does not apply, we will also erase your data from our system.

We share your personal data with authorised third parties only when it is necessary for the fulfilment of the Service or to comply with applicable laws.

We will never sell your personal data to other organizations.

We work with partners who help us to complete your transactions. If they are based outside the EEA, we will share your personal data with them only when they apply essential safeguards, or if it has been established by EU institutions that the relevant country has an appropriate data protection regime in place, or when we otherwise ensure that the appropriate level of protection is applied for data processing.

The following are some purposes for which we may share your data with third parties:

To fulfil the contract between you and MetroRemit

We may share your data with authorised third parties, such as our partners and intermediaries, when they are necessary for the fulfilment of the Service.

When required by law

We may share your data when required by law, for example for the purposes of security, taxation and criminal investigations.

For marketing and communication

We may share your data with third parties such as providers of customer service tools, marketing campaign tools, email communication tools, analytics software (for marketing purposes) and data visualization tools (for analytical purposes).

You have the right to object at any time for the processing of your data for direct marketing purposes, including profiling you for the purposes of direct marketing.

If we sell or buy any business or assets, we may be obliged to share your personal data with the prospective seller or buyer. 

• What are your rights?

• Legitimate interest

Legitimate interest is a specific legal justification for the collection and processing of your personal data. It applies when we have reasonable grounds to collect and/or process your personal data to improve our Service, as long as this does not infringe on your rights.

Our legitimate interest may justify some examples of automated decision-making. One of those is our estimated transaction timing, which we use to determine the time in which the transfer will reach your beneficiary.

We believe that if you are an active customer of MetroRemit, it is in your interest to receive occasional information about our Service. We may therefore send you communications about offers or promotions that we believe are relevant for you based on your previous use of the Service. If we notice that you are having problems using our Service, we may on our own initiative decide to contact you, in some cases by phone, to offer help.

We may also process your data to help develop new product features that we believe will improve the Service. We may contact you occasionally to assess your satisfaction with the Service. We may also use your data to determine the effectiveness of marketing or promotional campaigns. We may also contact you with information about any changes in the Service, and/or other important updates.

We will only share anonymized or encrypted data with the third parties. We may also provide our partners with anonymous aggregated data about our customers for marketing and analytical purposes, to help optimize our marketing communications.

You can object to data processing based on our legitimate interest at any time by contacting us at help@metrorem.co.uk or by changing the settings on your MetroRemit account.

Cookies are small text files which are stored on your device when you access MetroRemit. They allow us to recognize you and store data about your past activity and your preferences so that we can personalize and improve the Service for you.

Cookies and other similar technologies may collect data such as language preference, country and previously viewed pages.

We use the following cookies:

- Necessary cookies: these cookies enable the basic use of our Service
e.g. enabling content reserved for registered users

- Personalization cookies: these cookies allow our Service to be personalized for you
e.g. remembering your preferred language or sending country

- Analytical cookies: these cookies allow us to see how people use our Service so that we can understand how to improve it e.g. seeing how many people are logged in at a given time of day

By using our Service, you agree to place the cookies described above on your device. You have the right to withdraw your consent at any time. If you would like to delete our cookies, you can do so by changing the settings of your browser.

Blocking or deleting cookies may mean that some features of the Service may not be available to you.

List of used Online Tracking Services:

- Google Ads

- Google Analytics

- Facebook ads