S-Express Money LTD – Privacy Policy

S-Express Money LTD (“S-Express”, “we”, “us”, “our”) is committed to protecting your privacy and ensuring the security of your personal data. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our money remittance application (“the App”), in accordance with applicable UK data protection laws.

1. Information We Collect

When you use our services, we may collect:

1. a) Personal Identification Data

• Full name, date of birth, nationality
• Residential address
• Email address and phone number

1. b) Identity Verification (KYC/CDD) Data

• Government-issued identification documents (passport, driving licence, ID card)
• Biometric data (selfie, liveness checks)
• Verification results from third-party providers (e.g., Veriff)

1. c) Financial Information

• Bank account details or payment method information
• Transaction details (amount, currency, recipient details, purpose of remittance)

1. d) Technical and Usage Data

• Device type, IP address, geolocation indicators
• Login activity and session data
• App usage data

2. How We Use Your Information

We use your personal data strictly for:

• Providing and processing money remittance services
• Verifying your identity and performing KYC/CDD checks
• Conducting sanctions screening, PEP checks, and fraud prevention
• Monitoring transactions for AML/CTF compliance
• Communicating with you regarding your account or remittances
• Meeting legal and regulatory obligations

We do not use your data for marketing purposes.

3. Sharing of Personal Information

Your information may be shared only where necessary:

• With authorised service providers (e.g., identity verification providers, payment processors)
• Internally with authorised staff
• With regulators, law enforcement, or authorities where required by law
• With banking/payment partners to execute remittances

We do not sell or share your data for marketing purposes.

4. International Data Transfers

Your data may be transferred outside the UK/EEA where necessary to provide services.
Appropriate safeguards will be applied in accordance with applicable data protection laws.

5. Security Measures

We implement appropriate technical and organisational measures, including:

• Encryption
• Secure authentication
• Access controls
• Monitoring systems

However, no system can guarantee absolute security.

6. Data Retention

We retain personal data:

• As long as necessary to provide services
• For a minimum of 5 years where required under AML/CTF regulations

7. Your Rights

You may have the right to:

• Access your personal data
• Correct inaccurate data
• Request deletion (subject to legal obligations)
• Restrict or object to processing

8. Account Deletion

You may request deletion of your account at any time by:

• Submitting a request directly through the App; or
• Contacting us via email at [email protected]

All requests are subject to identity verification and applicable legal and regulatory requirements.
Certain information may be retained where required by law (including AML/CTF obligations).

Account deletion is permanent and will result in loss of access to your account and transaction history.

9. Cookies and Tracking

We may use limited tracking technologies to improve functionality and security.
These are not used for marketing purposes.

10. Updates to This Policy

We may update this Privacy Policy periodically.
Changes become effective upon publication in the App or website.

11. Contact Us

For any privacy-related inquiries:
[email protected]

Last Updated: 20/03/2026