GDPR Policy

This policy outlines the basis on which any personal information you will provide to us or that we receive from you throughout our business relationship will be processed. Please carefully read the following to understand our views and how we will handle it.

Please note that your personal information will only be used for the purposes of preventing money laundering, counter-terrorism financing, and counter-proliferation financing.

In compliance with the General Data Protection Regulation (GDPR), we have appointed a Data Protection Officer (DPO) to ensure that our organization meets its obligations under data protection laws. The DPO's role includes monitoring compliance with the GDPR, providing guidance on data protection impact assessments, and acting as a point of contact between our organization and data protection authorities. The DPO is also responsible for addressing any concerns or inquiries regarding the processing of personal data.

If you have any questions or concerns about how your personal data is handled, or if you wish to exercise any of your data protection rights, you can contact our DPO at the following details:

Name: Muhammad Rizwan Javeed
Email: [email protected]
Phone: +44 (0) 7707 984893

You can provide us with all the essential and basic information about you by completing the forms on our website or contacting us by phone, email, or other means. This includes but is not limited to, the information you provide us while signing up and transferring money via Riz Remit’s office or website, and any issues or problems you report to us.

The data you send us consists of: Name, Address, Job title, and Email, Date of birth, Phone Number, Address Proof, Financial and Source of fund information, Reason of Payment, Geographic location, and Copies of identification.

Government-issued identification or records include your driver's license, passport (along with a photo of yourself holding your identification documents), social security number (SSN), proof of address records, or proof of how you will pay for the transaction (such as a bank statement or pay stub).

Recipient Information: Provide the entire name, address, and phone number of the receiver as well as any specific financial institution or account information (bank account, mobile wallet account, etc) that may be selected based on the method of payout.

The name and email address of your contact should be included in the referral information.

User generated content, or information, includes your correspondence with us as well as any additional materials you send us, like comments, product reviews, testimonials, Social media profiles, pictures, videos, responses to surveys, and other content, It a so includes data you send us for customer support, including chat.

Technical information might refer to the hardware, software, operating system, internet service provider, network information, and kind of brower you use to access our services.

Information on your Internet or network activites, such as searches you conduct or the way you interact with our sites or services. Audio and Visual Data: This includes photographs, videos, images, and voice recordings (as when we record customer support calls for quality control). Inferences: These includes, details that we can deduct from the previously mentioned details.

We will use all your personal information to provide you with details about your product and services. However we (or third-party data processors, agents, and sub-contractors acting on our behalf) may also use the information for the following purposes.

• To communicate with you
• To evaluate the risk of performing our services
• We need your assistance to achieve better service performance
• This will enable us to enforce our rights under our terms and conditions, if necessary.
• For internal functions such as troubleshooting, data analysis, testing, research, statistical and survey purposes.
• Our goal is to enhance the quality of our products and services.
• We are committed to putting efforts into maintaining the security and safety of our sites.
• We conduct promotional activities, such as sharing personal information with companies Within our group and carefully choosing outside partners we think would be interested in your products or services among other uses.
• We aim to offer you relevant advertising and measure or analyze the effectiveness of the advertising we serve to you and other users.
• We might occasionally use the information you provide to get in touch with you for market research.
• We may combine information that we obtain about you and that you provide to us may be combined with information we get from other sources.

Depending on the types of information we receive, we may use this information and the combined information for the reasons mentioned above

We wil use your personal information to uphold our rights, establish and implement our legal obligations, and defend ourselves in court.

we will use your information to identify, investigate, halt, or take appropriate actions, When it comes to potentially harmful, dishonest, fraudulent, or unlawful activities, Example of such activities include, fraudulent transactions, attempts to manipulate or break our terms and conditions, policies, and procedures, security incidents, and harm to Riz Remit's property, rights, or user's salety.

We will use your personal data to comply with all applicable laws and regulations, including those regarding "know your customer"; sanctions laws; anti-money laundering regulations; and several other regulatory rules and guidelines concerning risk assessment, risk scoring; fraud;terrorism financing; consumer protection; and complaint handling.

To Offer Our Services
We will use your data to process and handle your transaction, keep track of and manage your account, send you offers and rewards (like our referral program), process payments, and deliver/fulfil promotional offers, when you visit our website and utilize our services

We can use your personal information for customer service and to respond and/or follow up on your requests, questions, problems, or criticism or to maintain connection with you.

We Can use your personal information for marketing and promotional purposes For example, we may use it to send you emails, texts, or direct mail which wil contains marketing, advertising, or promotional content; we may use it to show you procuct and/or service advertisements on social media and other websites based on your interest & we may use it to run contests, sweepstakes, and new customer promotions.

We may use your personal information includes research and analytics for enhancing our services and product offerings, understanding how you can use our mobile apps, websites, and advertisements, as well as to boost up our business and marketing campaigns, personalizing your experience, saving your time when visiting our websites and apps, and modify the marketing and advertising we display, and understanding how you use our websites and apps.

We may process specific personal information for any other business or commercial purpose at your request or with your consent.

Riz Remit will disclose your personal information in mentioned bellow circumstances:

Riz Remit may share your personal data with our corporate affiliates, which includes our parent company, affiliates, and subsidiaries. These business affiliates manage your personal data while providing services on our behalf or in other situations with your consent or as permitted and needed by law.

Riz remit may disclose your personal data with third parties who will provide services to support our core business functions and internal operations. This includes third parties that provide software and tools to send mail, emails, and texts; banks, disbursement providers, or other financial institutions that manage your transfer or other financial service request (including payment processors); identity verification or KYC service providers; administer our reviews; provide marketing support; look into fraudulent activity; and outsource customer service providers.

Riz Remit may share your personal data with third party that we have collaborated with to jointly create and offer a product, service and mutual campaign. We may also disclose your personal data with our banking or distribution partners in the event we find out you are violating our rules and regulations or involve in fraudulent activity as it relates to our business. Their use of your information is not governed by this privacy policy, but by their own respective privacy policies.

Our websites have certain features such as, plugins, widgets or other tools provided by third parties that may share information between us and the third party. For example: if you refer someone via SMS, WhatsApp, email, Facebook using our referral feature. This privacy policy does not apply to how they utilize your information.

Riz Remit may disclose your data to business entities or individuals involve in the negotiation or transfer if we engaged in a merger, corporate transaction, or another scenario involving the transfer of some or all of our business assets.

Riz Remit will share your personal information in response to court orders, subpoenas, warrants, government requests, or investigations, or in order to abide by applicable rules and laws. In addition, we may disclose your data to defend against a lawsuit, to preserve the safety and security of our users, to identify and prevent fraud, to establish, exercise, or defend our rights or the rights of others, or to investigate, prosecute, or take other appropriate legal action.

We will ask you if we need to share your personal data with any other third parties not mentioned in this policy.

Our website has certain features such as widgets, plugins, or additional features provided by third parties that may collect or share information between us and the third party. E.g. by using our referral feature if you refer someone via WhatsApp, Facebook, email or text. This privacy policy does not apply to how they use your information.

It is requested that the individual kindly do not use our service or provide us with any personal information if they are under the age of eighteen (which we classify as youngsters and minors). We prohibit the users who are younger than eighteen (18) from using our service, and we will close any profiles that we find belong to someone under eighteen.

It is possible that the information we get from you will be moved to and kept at a location outside of the European Economic Area ("EEA"). Additionally, employees working for us or one of our suppliers who are based outside of the EEA may process it. These employees may work on fulfilling your order, processing your payment information, and offering support services, among other tasks. You provide your consent for this transmission, keeping, or processing of your personal data. To guarantee that your data is handled securely and in compliance with this privacy policy, we shall take all reasonably required actions.

We save all of the information you provide us on our safe servers. SSL technology will be used to encrypt all financial transactions. In cases where you have been provided with a password by us that enables you to access certain areas of our website, you are in charge of maintaining its confidentiality. We ask you to keep this password confidential.
We are dedicated to protecting the security of your information. We have put in place appropriate physical, technical, and administrative systems to protect and secure the information we collect online to prevent unauthorized access or disclosure.

Unfortunately, the transmission of information via the Internet is not completely secure. Although we will take the necessary security measures and precautions to keep your data secure, we cannot guarantee the security of the information that you provide. When we have received your data, we will attempt to prevent unauthorized access using straight protocols and security measures.

Our Privacy policy is entrenched in the company's design throughout its lifecycle.

In addition to administrative and technical safeguards to reduce specific risks to personal data and prevent data breaches, the GDPR enforces the need that security breaches be reported. If the violation presents a high risk to its rights and freedoms, the data subject is expected to be informed without unreasonable delay. Notification may be skipped if there is little chance that the data topic will suffer any consequences from the data breach. The company has trained its employees how to respond and has an impact response plan.

The "flow of personal data from countries outside the EU and International organizations are necessary for the expansion of international trade and cooperation."

As a money transfer company, we move personal data of clients and workers across legal countries to facilitate our operations and manage our worldwide workforce. Our processing is also outsourced, but we have internal standards of behavior that serve as binding corporate rules. We transfer personal information outside of the EU to other businesses in our group that are based in various countries.

We'll carry out an audit of data security and privacy. Examine data subjects' current processing activities and data with great care to identify any inconsistency with GDPR. We will ensure consent is freely given and data subjects must "opt-in" rather than "opt out" of data collection schemes. We only collect personal data and retain it for as long as necessary. We'll use h2 encryption to guarantee the protection of personal data both in transit and at rest. Tokenization can be adopted to ensure safeguard.

We've created a data security breach response method and a detailed incident response plan. We educated our personnel how to detect a breach in real time and pinpoint potential threats. The notification and report should be delivered promptly.

We will frequently evaluate and update our privacy policy, as well as other materials and communications. Information in our privacy policy will always be easy to understand. We will regularly run compliance test before implementing a new technology.

We will guarantee that our cross-border data transfer policy complies with GDPR by our binding company policies.