WHY DO WE COLLECT INFORMATION AND DATA?

We collect; process and retain personal information from you and any devices you may use when you use our Services, or you provide it to us on a web form, when you update your information or otherwise correspond with us regarding our Services. Additionally, we may collect personal information from third parties. We collect information for the following purposes:

• To process your transactions and contact you, as necessary
• To verify your identity
• To collect payment for your use of the Service
• To troubleshoot problems with the Service
• To detect and prevent fraud and other illegal uses of the Service
• To enhance and simplify the user experience
• To send you marketing notices, service updates, and promotional offers
• To send transaction alerts to you and/or the recipient of your remittance

HOW DO WE COLLECT INFORMATION?

We collect personal information:

• Directly provided by you when you use our Services;
• Automatically through your use of our Services;
• From using cookies, web beacons, and similar technologies; and
• From other third party sources.

PERSONAL INFORMATION WE MAY COLLECT?

Information You Give Us

The information that we collect directly from you includes:

• Information that you provide us when you sign up to use our Service, such as your name, address, e-mail address, and telephone number. This also includes information you provide through your continued use of our Services, participate in discussion boards or other social media functions on our Website or App, enter a competition, promotion or survey, and when you report a problem with our Services. The information you give us may include certain sensitive information including financial information (including credit card, debit card, or bank account information), date of birth and social security number, and other identification documents. We may request to validate your identity through personal description and photographs for the safety and security of establishing your Account with the Service.
• We may also need additional commercial and/or identification information from your e.g. if you send or receive certain high-value or high volume transactions or as needed to comply with our anti-money laundering obligations under applicable law.
• To facilitate our Service, we request certain third party personal information from you such as your recipient's full name, physical address, email address, and phone number. We may also collect from you the recipient's sensitive financial information including their name, bank account and routing number. If you give us personal information about someone else, you must do so only on their explicit and prior consent. You have to inform them how we collect, use, disclose and retain their personal information according to our Privacy Notice.
• Information about your usage of the Service, including your transaction history, and how you choose to pay/fund your remittance, and to whom you use the Service to send or receive money, along with the recipient’s collection method.
• To detect and prevent fraud and other illegal uses of the Service
• To enhance and simplify the user experience
• To send you marketing notices, service updates, and promotional offers
• To send transaction alerts to you and/or the recipient of your remittance

You decide how much information to share with us in most cases, but not sharing required information may limit your ability to engage in certain activities, such as payment information required to complete a transaction.

Information Collected Automatically Through Your Use of the Service

When you use or interact with our Site and Services, we receive and store information generated by your activity, like usage data and other information automatically collected from your browser or mobile device. The Information that we automatically obtain from you includes:

• Details of the transactions you carry out when using our Services, including geographic location from which the transaction originates;
• Information about the hardware and software you use when accessing the Service;
• Technical information, including the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, geolocation data obtained from your mobile device, browser plug-in types and versions, operating system and platform;
• Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Website or App (including date and time); products you viewed or searched for; page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page and any phone number used to call our Customer Support number.

Information We Receive from Other Sources

We may supplement the information we collect with personal information from third parties. For example, we may collect and use demographic information that is publicly available, additional contact information, and information obtained by identity verification services and credit reporting agencies, as allowed by applicable national laws.

We may also receive information about you if you use any of the other websites we operate or the other services we provide. We are also working closely with third parties and may receive information about you from them. For example:

• The banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details;
• Business partners may provide us with your name and address, as well as financial information, such as card payment information;
• Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, such as confirming how you found our website;
• Credit reference agencies do not provide us with any personal information about yourself, but may be used to corroborate the information you have provided to us.

If you log in to our Services using your social media account (for example, Facebook or Google) we will receive relevant information that is necessary to enable our Services and authenticate you. The social media network will provide us with access to certain information that you have provided to them, including your name, profile image and e-mail address. We use such information, together with any other information you directly provide to us when registering or using our Services, to create your account and to communicate with you about the information, products and services that you request from us. You may also be able to, specifically request that we have access to the contacts in your social media account so that you can send a referral link to your family and friends. We will use, disclose and store all of this information in accordance with this privacy policy.

Such social media sites may also give us automatically access to certain personal information retained by them about you (e.g. content viewed by you, content liked by you, or may have clicked on). Your interactions with these Features are governed by the privacy policy of the company providing it.

INFORMATION COLLECTED USING COOKIES, WEB BEACONS, AND SIMILAR TECHNOLOGIES

• To enhance and simplify the user experience on our home page and throughout our site, to remember users’ settings (e.g. language preference, preferred country of remittance, and for authentication); and
• Business partners may provide us with your name and address, as well as financial information, such as card payment information;
• To analyze trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
• Our Services use cookies to distinguish you from other users. This helps us to provide you with a good experience and allows us to improve our Services. For detailed information on the cookies we use and the purposes for which we use them see our Cookie Policy.

COOKIES, beacons, tags and scripts are used by Appopay and our partners, affiliates, or analytics or service providers. These technologies are used:

Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.