S-Express – Privacy Policy

S-Express is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use the S-Express money transfer application (“the App”).

1. Information We Collect

When you use S-Express, we may collect the following information:

• Personal Identification: Name, email address, phone number.
• Financial Information: Bank account or card details and any financial information required to process transactions.
• Usage Data: Technical information related to the use of the App (device type, IP address, login activity).

2. Use of Personal Information

Your personal information is used solely for:

• Processing money transfers efficiently and securely.
• Complying with applicable legal and regulatory obligations, including anti-money laundering (AML) and counter-terrorism financing (CTF) requirements.
• Communicating with you regarding transactions or account-related matters.

We do not use your personal information for marketing purposes or any unrelated enhancements to the App.

3. Sharing of Personal Information

S-Express prioritizes confidentiality. Your personal information will:

• Not be shared with third parties for marketing purposes.
• Only be accessed internally by authorized personnel to process transactions and fulfill regulatory obligations.
• Be disclosed to authorities or legal entities only when required by law or in compliance with regulatory mandates.

4. Security Measures

We implement industry-standard technical, administrative, and organizational measures to protect your data against unauthorized access, alteration, or disclosure. These include encryption, secure authentication, and monitoring protocols.

While we aim for high security, no system is entirely immune to risk, and we cannot guarantee absolute protection.

5. Data Retention

Personal information is retained only as long as necessary to provide services or as required by law. Records are securely stored and accessible solely to authorized personnel for legitimate business or regulatory purposes.

6. Account Deletion

You may request deletion of your account by contacting [email protected]. Upon verification, your account and personal data will be removed, subject to any legal obligations to retain records. Please note that deletion is irreversible and will result in loss of access to the App and transaction history.

7. Updates to Privacy Policy

We may update this Privacy Policy periodically. Changes take effect immediately upon posting in the App or on our website. Users are encouraged to review this policy regularly.

8. Contact Information

For inquiries about this Privacy Policy or data protection practices, please contact:
Email: [email protected]

S-Express is committed to responding promptly to any privacy concerns.

This privacy policy was last updated on [18/11/2025].