WHAT PERSONAL INFORMATION DO WE GATHER?

We acquire personal data from you based on how you engage with our goods and services. We mean any information relating to an identified or identifiable natural person when we say "personal data" or "personal information." The categories and particular sorts of personal data or information that we may collect are as follows: Your complete name, postal address, e-mail address, phone number, date of birth, occupation and employer, username or social media handle, or other similar identifiers are examples of basic identifying information.

• Personal Details: Your complete name, postal address, e-mail address, phone number, date of birth, occupation and employer, username or social media handle, or other similar identifiers are examples of basic identifying information.
• Payment Information: This comprises your financial instrument information (debit/credit card) or bank account information.
• Government-issued identification or records: Your driver's license, state or national identification card, passport (along with a photo of you holding the relevant identification), social security number (SSN), records of your proof of address, or proof of how you will pay for your transaction, among others (e.g., bank statement or pay slip).
• Information About Your Device or Another Unique Identifier: This information includes the identifier for your device, the internet protocol (IP) address, cookies, beacons, pixel tags, the identification for mobile ads, and other similar unique identifiers.
• Geolocation Data: This category of data comprises details about the location of your device, including data that was obtained from it (for example, based on a device's IP address or browser).
• Transaction Information: This comprises your transaction history and logs (which include a special transaction reference number), the reason for transfers, your connection to the receiver, and referral bonuses.
• Receiver Information: This comprises the complete name, address, and phone number of your receiver as well as, depending on the mode of disbursement that was chosen, information about specific financial institutions or financial accounts, such as a bank account or a mobile wallet account. The name and email address of your contact are included in the referral information.
• User-Generated Information or Content: This includes the communications you have with us as well as any other materials you send us, such as social media profiles, photos, images, videos, comments, reviews of products, testimonies, the information you send us for chat support, and other materials.
• Technical Information: This includes the operating system, web browser, network information, internet service provider, hardware, and software you use to access our Services. Photographs, photos, movies, and recordings of your voice are all considered to be audio and visual information. (Such as when we record customer service calls for quality assurance).
• Inferences: This comprises data that we could draw from the above-mentioned data. Please be aware that we may collect sensitive personal information such as gender and age, social security number, driver's license, or passport number.

OUR METHOD FOR COLLECTING YOUR PERSONAL DATA?

We at Remit5 gather personal information about you from a variety of sources. This includes details you give us voluntarily, including when you use our services, make a profile, or get in touch with us. When you interact with our websites or adverts, we also gather information via the use of cookies and other automated data-gathering methods. We could also get information about you from other places, such as data analytics companies, marketing or advertising service providers, social media networks or platforms, and public records.

HOW DO WE USE OR PROCESS YOUR PERSONAL DATA?

• Respect Legal Requirements: In order to establish or enforce our rights, comply with legal or regulatory requirements, or defend against legal action, we utilize personal data.
• Protection from Fraud and Security: We prioritize the protection of our users, clients, staff, and company by utilizing personal data to detect and investigate potential harmful, dishonest, fraudulent, or illegal activity. This includes taking necessary actions to prevent or stop these activities, such as identifying attempts to manipulate or violate our policies, procedures, and terms and conditions, addressing security incidents, and preventing harm to the rights, property, or safety of Remit5 and our stakeholders. We are committed to complying with applicable laws and regulations, including "know-your-customer," anti-money laundering (AML) requirements, and sanctions legislation. We also prioritize consumer protection and handling complaints through our regulatory obligations and associated guidelines on risk investigation, scoring, fraud, and counter-terrorist financing.
• Abide by Legal Requirements: We use personal data to establish or exercise our rights, respond to legal claims, and comply with legal or regulatory requirements.
• Fraud Prevention and Security: At Remit5, we employ personal data to effectively identify, investigate, mitigate, and take appropriate action in the event of potentially harmful, dishonest, fraudulent, or illegal activity. Our efforts are focused on detecting fraudulent transactions, thwarting attempts to manipulate or violate our policies, procedures, and terms and conditions, preventing security incidents, and safeguarding the rights, property, or safety of Remit5 and all stakeholders, including users, clients, staff, and other individuals.

TO COMPLETE A CONTRACT

• As to Offer Our Services: By accessing and utilizing our services, we leverage your personal data to accomplish various objectives, including transaction processing, account management and maintenance, fulfillment of promotional offers or prizes (including referral program rewards), and payment processing. Getting in touch with you we contact you by responding to and/or following up on your requests, inquiries, problems, or feedback and for customer service purposes.

CONSENT OR LEGAL INTERESTS

• Marketing and promotional goals: We utilize personal data for marketing and promotional objectives, such as disseminating marketing, promotional, and advertising messages through email, text messaging, or traditional mail. Additionally, we display targeted advertisements for products and services that align with your interests on social media platforms and other online channels. Furthermore, we administer and execute our new customer incentives and comparable promotional activities.
• Data Analysis and Personalization: We utilize personal data for research and analytical purposes, with the aim of improving our services and product offerings. This includes gaining a better understanding of how you interact with our websites, mobile apps, advertisements, and communication channels, as well as enhancing our marketing campaigns and personalizing your experience. Our goal is to provide you with a seamless and efficient user experience while also customizing the marketing and advertising that we display to you. By leveraging the insights, we gain from analytics, we can better understand our customers and meet their evolving needs.
• Other Commercial or Business Objectives: We may treat certain personal data at your request or with your permission in order to achieve any other business or commercial goals.

WHY AND WITH WHOM DO WE SHARE YOUR PERSONAL DATA?

In addition to the cases covered elsewhere in this privacy statement, the following conditions also call for the disclosure of personal data:

• Corporate Partners: As a company operating under a larger business entity, we may share personal data with our parent company, affiliates, and subsidiaries, as well as other corporate partners. This sharing of data may occur when necessary to provide services on our behalf, with your explicit consent, or as required or allowed by law. Our corporate affiliates may process this data in order to ensure the delivery of high-quality services.
• Service Companies: To support our essential business processes and internal operations, we may share some of your personal data with third-party entities. These may include financial institutions such as banks and disbursement providers who carry out transfer or financial service requests, as well as payment processors. We also work with identity verification and KYC service providers to verify identities and third-party vendors who provide software and tools to send emails, text messages, or postal mail, analyze customer data, manage reviews, provide marketing assistance, investigate fraudulent activities, carry out feedback surveys, and outsource custodial services.
• Unaffiliated Parties: If we collaborate with another party to develop and market a product or service or run a joint promotional campaign, we may share your personal information with that partner. Additionally, if we suspect any fraudulent or abusive activity on your part regarding our company, we may disclose your personal information to our banking or distribution partners. Please note that their own privacy policies apply in such cases, and this privacy statement does not govern their use of your information.
• Networks and Platforms for social media: Some of our websites use tools provided by third parties, such as plugins, widgets, or other features, which might lead to information being gathered or shared between us and the third party. For instance, if you recommend someone using our referral tool via WhatsApp, Facebook, Instagram, email, or SMS. This privacy statement does not apply to how they utilize your data.
• Business Dealings: If our company becomes involved in a merger, corporate transaction, or any other scenario where there is a transfer of all or part of our company assets, we may share your personal information with individuals or companies involved in the negotiation or transfer.
• The Legal System: As a responsible and law-abiding company, we may need to disclose personal information in certain situations to comply with applicable laws and regulations. This may include responding to subpoenas, warrants, court orders, government investigations, or inquiries. We may also release information to protect the safety and security of our visitors, to identify and prevent fraud, to establish, exercise, or defend our legal rights or the legal rights of others, to respond to legal claims, and to take appropriate legal action in response to potentially illegal activity or policy violations. Rest assured, we take every precaution to ensure that any disclosure of personal data is done in accordance with the law and with the utmost respect for your privacy.
• Other Examples: If we want to share your information with additional third parties not mentioned anywhere in this Policy, we may ask your permission first.

WHAT ARE MY PRIVACY RIGHTS?

At Remit5, we recognize that privacy laws vary across the globe, and as a result, some of our clients have specific data privacy rights based on the laws of their region. We strive to implement the best privacy practices that are consistent with these laws and ensure that all our clients are treated fairly and equally when it comes to protecting their personal information.

• Data Access & Data Portability: As per your data protection rights, you are entitled to receive a copy of the personal information we currently possess about you. However, there are certain exceptions and conditions that may apply, such as disclosing the information will negatively impact the rights and freedoms of others. In such cases, we will inform you without undue delay.
• Rectify Your Data / Correct Your Data: You have the right to request updates and corrections to any outdated personal information we hold about you. You can access and update some account information by signing into your account on our website or app, or you can contact us using the methods outlined in the section below on exercising your privacy rights.
• Erasing and Deleting Data: You may also request the deletion of your personal information in accordance with applicable laws. If you choose to close your account, we will label it as "Closed" in our database, but we may retain some account information to prevent fraud and comply with our legal obligations. We will not use or disclose your personal information unless required by law or in compliance with our policies.
• Limit Requests for Data Processing: You may also have the right to request restrictions on how we use or disclose your personal information in certain situations or to object to its use.
• Delete your Direct Marketing subscription: If you wish to stop receiving marketing communications from us, you have the right to request that we cease using your personal data for such purposes. You may easily exercise this right by using the "unsubscribe" options provided to you, such as clicking the "unsubscribe" link in each promotional email we send you. We will honor your request and discontinue communicating with you in this way. However, please note that we will keep a record of your email address on a "suppression list" to ensure that we comply with your request not to contact you by email at that address. You have the option to change your marketing preferences at any time. However, please note that not all messages can be turned off, as we may be required to send you email alerts about our Services in order to comply with our legal obligations under national laws and regulatory guidance.
• Verifying Identity: Some requests may need us to validate your identity in order to handle them since they were made by you. To confirm your request, we could get in touch with you by phone or email.
• Making Use of Your Privacy Rights: Please write an email to us at info@remit5.com to seek the use of any of the privacy rights.

HOW DO WE PROTECT YOUR DATA?

At our company, we take the security of your information very seriously and adhere to industry standards to protect it. To ensure the safety of sensitive information that is transferred through our website or app, such as bank account numbers, credit card numbers, dates of birth, and government identity numbers, we have implemented encryption technology. To access their information on our site or app, each user must use security credentials, such as a username and password. It is your responsibility to maintain the confidentiality and security of any security credentials that we have provided to you or that you have chosen to access specific areas of our service. If you allow others to register their fingerprints on your device (such as through Apple Touch ID), you should not permit them to do so, as it may provide them access to our services, and you may be held liable for their actions. However, no method of electronic storage or transmission over the Internet is entirely secure, and we cannot guarantee complete confidentiality. As a result, you assume all risks associated with the transmission of personal information.

HOW LONG DO WE RETAIN YOUR DATA?

We will retain your personal data only as long as it is necessary to fulfill the purposes for which it was collected, including compliance with legal, accounting, or reporting obligations. The retention period for personal data is determined based on various factors, including the nature, amount, and sensitivity of the data, the potential risks associated with unauthorized access or disclosure, and the purposes for which the data is processed. Please note that by using our Services, you explicitly consent to us retaining your personal data for a period of more than 5 years after the end of your legal relationship with us, including information related to your transactions and our collection and verification of your identity. This allows us to detect and prevent fraud and unauthorized use of our services.

CHANGES TO THIS POLICY

At Remit5, we reserve the right to modify this policy as needed, and any changes will be communicated to you by posting an updated version on our website and mobile application. We recommend that you review this policy each time you engage in a transaction with us, as it may have changed since your last interaction with our services. If you do not agree with any part of this policy or any modifications, please contact us at info@remit5.com or through other means to terminate your agreement with us and close your profile.

LINKS TO THIRD-PARTY WEBSITES AND SERVICES

We cannot be held responsible for the privacy policies of other websites or services that may be linked to our website or mobile application, nor for any personal information that may be collected or processed through those websites or services. If you provide personal information to any of these third-party websites, their privacy policies will apply. This includes information such as contact and location data. We strongly recommend that you carefully read the privacy policies of any website or software program that you visit or use. Please note that this Policy does not apply to any interactions you may have with third parties while using our Services, including other users and your mobile network provider. We advise that you inquire about the privacy policies of these third parties before sharing any personal data with them.

REFERRAL PROGRAM PRIVACY NOTICE

If you use our referral service to invite a friend to use our Services, we will require their name and email address. Prior to sharing their information with us, you must obtain their explicit consent. We will notify your friend that you have shared their information with us. When you import your contacts, we will send them an email invitation and one follow-up email at most, urging them to visit our site. If you have referred a friend to us, we will automatically send them an email and one reminder email at most, encouraging them to visit our site. We will only retain your data to send these emails and monitor the results of your referral. At any point, your friend or contact may ask us to delete their information from our database, and we will comply with their request. We will honor their request not to receive any further communications from us by keeping their email address on a "suppression list." They are free to change their marketing preferences at any time.

CHILDREN

To ensure compliance with legal and regulatory requirements, we do not permit individuals under the age of 18 to use our Services or provide us with any personal information. We will close any profiles found to belong to individuals under 18 years of age.

PRIVATE INFORMATION TRANSLATION

The Policy is originally written in English, and translations in other languages may be provided. In case of any inconsistency between the English version and translated versions, you agree that the English version will prevail in any dispute related to the Policy.

COMPLAINTS

If you have any grievances about how we handled your personal information, please do not hesitate to send us an email at info@remit5.com.

CONTACT

If you have any questions, comments, or requests regarding our privacy policy, you may reach out to info@remit5.com.

REGIONAL IN NATURE

We strive to adhere to the highest privacy standards for all our customers. However, if you are in a specific region, you may have additional privacy rights. You have the following privacy rights:

• Right to Know: : You have the right to know what personal information we have collected about you, including the sources of the information, the reasons for collecting it, the categories of third parties with whom we share it, and the specific pieces of personal information we have collected about you.
• Right to Delete: You have the right to request the deletion of personal information that we have collected about you, although there may be circumstances where we are not able to fully comply with your request.
• Right to Correct: You have the right to request that we correct any inaccurate personal information that we have about you.
• Right to Opt-Out of Sale or Sharing:You have the right to opt out of the sale or sharing of your personal information.

You have certain privacy rights that you can exercise, such as requesting access, correction, deletion, or a copy of your personal information. Although we do not sell your personal information, we may engage in targeted advertising. You can opt out of such sales or targeted advertising as per your will. If we deny your privacy rights, you have the right to appeal.

How to Request Your Privacy Rights

To exercise your privacy rights or to appeal a denial of your privacy rights, please email us at info@remit5.com or contact us through our website. We may require some information to verify your identity before responding to your requests. We respect your privacy and will not discriminate against you for exercising your privacy rights.

DISCLOSURES RELATING TO DATA PROTECTION

What kind of Personal Information do we gather, and for what reasons? The "What Personal Data Do We Gather" section above contains a list of the many kinds of personal data that we gather. Please refer to the section under "How Do We Collect Your Personal Data" above for further information on the sources from which we get personal information. For the business or commercial uses listed in the section above under "How Do We Use Or Process Your Personal Data," we gather and use personal data.

Disclosed Personal Information Categories and Recipient Categories

We disclose different categories of personal information for business or commercial purposes to various categories of recipients. The categories of personal information we share and the recipients are as follows:

• Basic Identifying Information: We share this category of personal information with Service Providers, Corporate Affiliates, Third Party Partners, advertising networks, and social media networks.
• Government Issued Identification or Records: We share this category with Service Providers, Corporate Affiliates, and Third-Party Partners.
• Device Information and Other Unique Identifiers: We share this category with Service Providers, Third Party Partners, advertising networks, and social media networks.
• Internet or Other Network Activity: We share this category with Service Providers, Third Party Partners, advertising networks, and social media networks.
• Geolocation Data: We share this category with Service Providers, Corporate Affiliates, and Third-Party Partners.
• Payment Information: We share this category with Corporate Affiliates and applicable Service Providers engaged by us to assist us in complying with our legal obligations regarding risk scoring, fraud, counter-terrorist financing, and anti-money laundering.
• Transaction Information: We share this category with Service Providers, Corporate Affiliates, and Third-Party Partners.
• Recipient Information: We share this category with Service Providers, Corporate Affiliates, Third Party Partners, advertising networks, and social media networks.
• Referral Information: We share this category with Service Providers, Corporate Affiliates, and Third-Party Partners.
• User Generated Information or Content: We share this category with Service Providers who assist in administering our programs, such as Community or product reviews, and social media networks.
• Technical Information: We share this category with Service Providers and Corporate Affiliates.
• Audio and Visual Information: We share this category with Service Providers who assist in administering customer service, identity verification for "Know Your Customer" compliance, and fraud or loss prevention services.
• Inferences: We share this category with Service Providers who assist in administering marketing and personalization.

To learn more about how we share your personal information, please refer to the "WHY AND WITH WHOM DO WE SHARE YOUR PERSONAL DATA?" section. Our use of cookies or other tracking technologies may be considered a "sale" or "sharing" under certain laws, and you may have the right to opt out of having your data shared for targeted advertising purposes. We do not knowingly sell personal information of individuals under the age of 16. The categories of third parties to whom this information may be disclosed include certain Service Providers such as advertisers, marketing partners, data analytics providers, and social media networks. Please see the "WHY AND WITH WHOM DO WE SHARE YOUR PERSONAL DATA?" section for more information on our Service Providers and Third-Party Partners. In some cases, we may be required to share this information pursuant to Legal Process.