**_Important - Your agreement to the English language. This policy is provided in English. By agreeing to our User Agreement you consent to us providing our Service in the English language and also to us communicating with you in English.
If there is any conflict between the English language version of the content of our Service (including this policy) and any translation, the English version will govern. For example, if you have set the device that you access our Service with to a language other than English, only the English language version of our Service applies (and not the non-English language version).
For your convenience, we may provide this document in other languages. The Slovakian version of this document is available [here][https://www.remitly.com/sk/en/home/policy]. In the event there is any inconsistency between the English version of this policy and the translated text, only the English text shall be binding.
If you do not agree with the above, please do not access or use our Services._**
Please take the time to read the following information carefully so that you fully understand our views and practices regarding your personal information and how we will use it. If you do not agree to the matters set out in this policy, please do not access or use our Services. You must be over 18 years old to use our Services. We also recommend that you download and store this document in a safe place.
By using our website (our Site); our mobile application (our App) or any of our other products and services (collectively, our Services), you accept the practices described in this Policy. This Policy also applies if you participate in our research projects.
In addition to this Policy, we may provide other privacy policies on specific occasions when we are collecting or processing personal information about you (e.g., when you share your story of why you send money abroad) so that you are fully aware of how and why we are using your data. This Policy supplements those other privacy policies and is not intended to override them.
Where we use other capitalised words and phrases in this Policy (such as Agreement, Profile and Transaction), these have the same meaning as given to them in our User Agreement, unless we have defined them differently in this Policy.
Any personal information provided to or gathered by our Services is controlled by Remitly Europe Limited that trades from 7th Floor, Penrose Two, Penrose Dock, Cork, T23 YY09, Ireland and who is the data controller (Remitly, we, us or our).
We have appointed a data protection officer (DPO) for you to contact if you have any questions regarding this Policy or believe we have breached the Data Protection Act 2018 and/or the General Data Protection Regulation ((EU) 2016/679) (DP Laws). Our DPO’s contact details are: Ms. Eimear Sugrue, 7th Floor, Penrose Two, Penrose Dock, Cork, T23 YY09, Ireland; email@example.com.
We may amend this Policy at any time, and whenever we do so we will notify you by posting a revised version on our Site and App. Please review this Policy each time you make a Transaction as it may have been updated since you initially registered for our Services, or since your last Transaction.
If you do not agree with any of this Policy, or any change, you can end your Agreement with us and close your Profile by emailing us at firstname.lastname@example.org or otherwise calling us on 0080055771234.
Sharing your personal information: We will share this information with:
Personal information we collect: When you subscribe to our Services:
Creating a profile - you will need to provide your email address and a password (we will not have access to, and will therefore not share, your password). Please note that you have to create a Profile to be able to carry out Transactions;
Carrying out Transactions - you will need to provide the following additional personal information:
Transactions that meet or exceed our sending tier limits (see the ‘sending limits’ tab in your Profile) you will also need to provide us with the following additional personal information: details of your last Transaction with us (amount and recipient’s details); the payment method you intend on using with our Services; your average send amount; how often you intend on using our Services; whether you intend to send to multiple recipients and from different locations; your relationship with the recipient and the reason for sending money; your occupation; your employer and evidence of how you will fund your Transaction (such as a bank statement or payslip).
Entering a competition or promotion, or participating in surveys - you will need to provide your name and email address (unless a survey is being run on an anonymous basis) and certain other personal information that you may be asked to provide in our survey forms.
#WhyISend – if you decide to share your story of why you send money abroad, you will need to provide certain information in our online form (which is available via our Site and App).
Importing contacts - we may give you the ability to import contacts* from your Gmail, Yahoo Mail or other email providers as well as allowing you to manually enter them to invite them to become members of our Services (we do not collect the username and password for the email account you wish to import your contacts from as you provide it directly to that email service provider and after your approval they send us your email contacts).
Using our referral service via e-mail to tell a friend* about our Services, you will need to provide your friend's name and email address.
Before providing us access to any other person’s details, you must obtain their prior consent to you sharing their personal information with us and we will let them know that you have supplied their details to us.
Where you have:
In both cases, your contact/friend may at any time REQUEST TO REMOVE this information from our database and we will honour such request. We will retain a copy of that email address on a “suppression list” in order to comply with their no-contact request. They are free to change their marketing choices at any time.
In addition, we will collect the following information:
Using your personal information: We will use this information as follows:
primarily to comply with our legal obligations, specifically under European national laws implementing the: fourth Anti Money Laundering Directive (EU 2015/849) such as the UK Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, the second Payment Services Directive (EU 2015/2366) such as the UK Payment Services Regulation 2017, as well as the EU Wire Transfer Regulation (2015/847), UK Proceeds of Crime Act 2002, UK Terrorism Act 2000, various UK, EU and UN sanctions legislation and the various associated regulatory rules and guidance in relation to risk investigation, risk scoring, fraud, counter terrorist financing, anti-money laundering, consumer protection and complaint handling. We will use the above referenced information to comply with our legal obligations, with the exception of the details of the persons you refer to our Service.
If you do not provide the information we have described in the above section, you will not be able to make any Transactions;
to perform a contract – including running competitions, promotions and surveys – specifically, your name and email address. If you do not provide this information you will not be able to participate in such competitions, promotions or surveys (unless a survey is being run on an anonymous basis);
for our or a third party’s legitimate interests – specifically certain contact and personal details, Transaction information, technical information (including cookies) and your customer ID so that we can:
for our legitimate interests - certain technical information about your Device so we can conduct business and marketing analytics;
for our legitimate interests – when you have referred a friend to us or instructed us to contact an imported contact, we will use their name and email so that we can market our services to them; and
We will not contact your recipients except as instructed by you or as required to complete a Transaction, comply with our legal or regulatory obligations, and/or to conduct market research (see section 7). This information is only used for the sole purpose of completing your request or for whatever reason it may have been provided.
In connection with the activities above, we may conduct automated processing and/or profiling based on your interactions with our Service, your Profile information and other information you may provide to us from time to time, together with information obtained from third parties. In limited cases, automated processes may restrict or suspend access to our Services if such processes detect activity that we believe poses a safety or other risk to our Services, other users, or third parties.
For example: our automated processes may let us know that you are using our Services in a country where we are not allowed to do business. This is important because we do not want to break any laws when providing our Services.
Another example is that we may use your personal information to carry out identity checks. This is also important as it helps us confirm who you are and to help prevent others from imitating you.
Sharing your personal information:
Please note that by using our Services you expressly agree to us retaining your personal data (including data related to your Transactions and our collection and verification of your identity) for longer than 5 years following the end of your legal relationship with us. This is to allow us to detect and prevent fraud and/or other illegitimate uses of our Service.
*Personal information we collect: *If you participate in any research projects for us (by phone, in-person, electronic survey or otherwise), we will hold your name, contact details and any other personal information you choose to give us when taking part in our research projects.
Using your personal information: We will use this information for our legitimate interests namely to conduct our research projects which may also help us to improve and/or develop our products and services.
Sharing your personal information: We will share this information with:
We use a third-party provider to supply and support our LiveChat service which we use to answer questions about our Services and assist you with our Site functionality.
Personal information we collect: If you use the LiveChat service we will collect: your name, email address (optional) and the contents of your LiveChat session.
Using your personal information: We will use this information to answer your questions.
Sharing your personal information: We will share this information with:
If you have visited our Site, please also see Visitors to our Site above.
We ask that persons under the age of 18 (which we treat as children and minors) refrain from using our Services or submitting any personal information to us. Persons under the age of 18 years are not eligible to use our Services and if we discover that someone under the age of 18 has registered a Profile with us, we will close it.
We share your personal information within the Remitly group and to external third parties (the categories of which are referred to in this Policy). This may involve transferring your personal information outside the European Economic Area (EEA). Whenever we transfer your personal information outside the EEA, we will ensure a similar degree of protection is afforded to it. In some instances, your personal information may be transferred to countries that have been deemed to provide an adequate level of protection for personal information by the European Commission. In other instances, we will ensure at least one of the lawful safeguards are implemented, which may include the use of specific contracts approved by the European Commission which give personal information the same protection it has in Europe.
In relation to personal information we hold about you, you have the right to:
Your recipients also have these rights in relation to their personal information that we process.
If you (or your recipients) would like to exercise any of these rights, please contact email@example.com (we may ask you/your recipient to verify your/their identity - please cooperate with us in our efforts to verify your identity). Please note that we may need certain personal information to enable us to provide the Services and/or information you ask for, so changes you make to your preferences, or restrictions you ask us to make on how we use personal information, may affect what information we can provide.
Please also note that sometimes we may not be able to stop using your personal information when you ask us to (for example, where we need to use it because the law requires us to do so or we need to retain the information for regulatory purposes). In other cases, if we stop or restrict using your personal information we will not be able to provide our Services to you, such as carrying out money transfers. We will tell you if we are unable to comply with your request, or how your request may impact you, when you contact us.
We employ industry accepted standards in protecting the information you submit to us. We have put in place SSL (Secure Socket Layer) encryption technology to protect your sensitive information such as bank account number, credit card number, date of birth and government identification number, transmitted through our Site and/or our App. We also require the use of security credentials (which may, for example, include a username and password) from each user who wants to access their information on our Site and/or our App.
Where we have given you (or you have chosen) security credentials (such as a password) that enable you to access certain parts of our Service, you are responsible for keeping these details confidential and secure. Moreover, if you allow access to our Services via using your fingerprint on your Device (for example, via Apple Touch ID), then you should not allow any other person to register their fingerprint on that Device as it may allow them access to our Services and you could be held responsible for their actions. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security and any transmission of personal information is at your own risk. If you have any questions about security, you can contact us at firstname.lastname@example.org.
You have the right to ask us not to process your personal information for marketing purposes. You can exercise this right simply at any time by carrying out ‘unsubscribe’ actions which are made available to you (such as clicking on the ‘unsubscribe’ link in each promotional email we send you). We will honour your choice and refrain from sending you such communications. Please note that if you ask us not to contact you by email at a certain email address, we will retain a copy of that email address on a “suppression list” in order to comply with your no-contact request. You are free to change your marketing choices at any time.
You may also control how we use some of your personal information as part of our Services (such as how we may communicate with you) by confirming your preferences in your Profile. Please note that not all communications can be switched off – for example, we may be required to send you email notices about our Services to comply with our legal obligations under the national laws and regulator guidance implementing the second Payment Services Directive (Directive (EU) 2015/ 2366).