City Express Money Transfer Ltd, trading as City Express or (“City Express”, “We”, “Our” and “Us”), (Registration no. 10800409, Registered Address: 5 Queen Victoria Street, Reading, RG1 1SY and such other City Express agents in the UK is a contracting party for the purpose of providing and receiving money transfer related services.
City Express will make sure that your information provided by you will be used fairly, lawfully and transparently and only used for specified, explicit purposes. We are committed to usage of your personal information in accordance with fair information practices and applicable data protection laws.
This privacy statement describes why and how we collect and use personal data and provide information about individual rights. It describes how we protect and share your information to third party agents and our associates for only its specific purposes. Personal data/information meaning all information relating to an identified or identifiable individual.
How we collect information;
To execute our money transfer services, or any other payment services, you must provide personal information required by law and City Express to enable us to perform our money transferring and other services. We collect information when you use our services, be it through online or through our agents.
List of varied personal information we may collect:
- Personal details, including your name, date of birth, address, telephone number, national ID numbers
- Your bank details, bill payments
- Compliance information including prevention of fraud, identify proof and authorisation checks
Failure to provide this information might affect us from providing you the service. It is required by law that these information needs to be included in your personal identification which allows you to send and receive a transaction, including valid identification, bank transfers and payment information.
We collect personal information if you use our online/mobile services. For example, we collect which domain and host you used to access the internet, your computer’s IP address, geolocation if enabled, information about your device etc. We collect these through “Cookies” to help us provide you the best performance our website. This allows us to verify your identity when you use our mobile phone, or applications (apps) and this permits us to contact your mobile carrier to help us verify your identity. Sometimes we can identify you and personalise the content of the website for you and assist you on carrying out transactions and accessing account information. We occasionally track activity on our website and alter information on the website specific to your interests.
We may collect information from the person you send and/or receive money, as well as our agents, service providers, identity verification services, telephone providers, payments and fraud risk management corporations, law enforcement bodies and commercial and public data sources.
Purpose of using your personal information
We will use personal information required for executing money transfer, payment services or other transfer related services.
We may use your personal information for business purposes. We may use it to improve our services, operations, running our site and the overall customer experience. We may use it for measuring marketing return on investment and brand satisfaction.
We use your personal information for legal and compliance purposes. This is a very important issue so we will use your personal information to comply with legalities related to anti money laundering and counter-terrorist financing, prevention and prosecution of fraud, theft, and as well as preventing illegitimate or prohibited use of our services or other wrongful activity. This includes establishing, protecting, defending legal rights or claims of City Express and other monitoring and reporting compliance issues. This may include third parties using your personal information to confirm your identity and authenticate your identity.
Your personal information might be used to send you marketing promotions tailored to you. For receiving marketing contents, you will be asked to give consent along with information and the intended purposes.
City Express may use information provided by you, i.e. your name, address, phone number, and details of the transaction and its purposes and Recipient’s details to provide you our services, City Express’s internal research, customer analysis and for City Express’s legal and other regulatory requirements. We may also use information to review transactions that needs to be filtered or were filtered by City Express’s monitoring system and to be reviewed by a third party if needed.
City Express may provide information to affiliated companies and third parties who are joint parties that involve transfer/storage of information outside EEA. Your information will be available to the affiliated parties to facilitate and approve the transaction.
Confidentiality and Security
We implement restriction on information access to our employees, agents, representatives. Regardless, even though after our efforts, some third parties may lawfully intercept or access transmissions sent to us, or may wrongly ask you to disclose personal information. We take seriously on protecting our customer’s personal information and are against accidental or unlawful destruction, alteration, unauthorised disclosure or access and against all other lawful forms od processing.
Personal information Closure
We may disclose your personal information including, but not limited to, your name, customer ID number, address, transaction patterns and bank account information to following parties;
- City Express Money Transfer Ltd UK and City Express Money Transfer Ltd Nepal
- Agents and affiliates who facilitate the money transfer service we have agreed on
- Service providers, bank organisations, payment processors to provide business and customer services including advertising, customer satisfaction
- Third parties that you have authorised to access your account to perform services for you, such as making a payment
We may release personal information as required or permitted by applicable laws and regulations to regulatory or financial authorities, courts, government or government agencies to meet our compliance and other obligations to protect or support the rights and interests of City Express/others.
International Data transfers
When you send or receive money from and to another country, we will also be required to share your personal information with that country, i.e. Nepal. We transfer your personal information to parties outside of EEA, i.e. Nepal, as required by applicable law, regulatory authorities, law enforcement and government agencies. By using this website, you acknowledge that such transfer of information outside your country.
You can opt out of receiving marketing communications ay any time. You can contact our Customer Services at 01183 04 2969, or email firstname.lastname@example.org or write to 5 Queen Victoria Street, Reading, RG1 1SY
Personal information retention
City Express will hold information provided by you from the date the data was held and up to 5 years. This is accordance to the data’ retention policy of City Express. City Express holds a strong view on protecting personal information and your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transaction including those in anti-money laundering, anti-terrorist financing and other laws applicable to us.
Personal information rights
You have the right to ask us erase certain information about you, to restrict certain uses of information relating to you. You can withdraw you consent as permitted by applicable law.
You can contact our Customer Services at 01183 04 2969, or email email@example.com or write to 5 Queen Victoria Street, Reading, RG1 1SY. We will comply with your request to the extent required by applicable law. You can easily request us to make any changes or consents.
To anyone applying to be City Express agent, we will use your personal information you provided to verify your suitability and eligibility to be one.
City Express Money Transfer Ltd (UK) and City Express Ltd (Nepal) is a separate legal entity and a separate controller for personal data.