This policy explains what you can expect from us and what we need from you in relation to your personal data. Please read this carefully as this policy is legally binding when you use our Services. Check the Customer Agreement for the meaning of defined words (those with capital letters).

For the purpose of the relevant data protection regulations, Crystal Remit Pty Ltd are the “data controller” of your information. If you have any questions about how we protect or use your data, please contact us.

1. How do we protect your personal information

a.  We are serious about guarding the security of your personal information and use a secure server to store your personal information. All information you provide to us is stored on our secure servers. Any payment transactions will be encrypted using Transport Layer Security technology. We do not store your credit card information.

b.  As you will know, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

c.  We restrict access of your personal information to those employees of Crystal Remit Pty Ltd who have a business reason for knowing such information. We continuously educate and train our employees about the importance of confidentiality and privacy of customer information. We maintain physical, electronic and procedural safeguards that comply with the relevant laws and regulations to protect your personal information from unauthorised access.

2. Information we may collect from you

We may collect and use the following data about you:

2.1 Information you provide us.

a.  You may give us information about you when you sign up to use our service, e.g. when you provide us with your personal details, such as your name and email address. 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 your name, address, e-mail address, phone number, financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description and photograph.

b.  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.

c.  In providing the personal data of any individual (other than yourself) to us during your use of our Services, you promise that you have obtained consent from such individual to disclose his/her personal data to us, as well his/her consent to our collection, use and disclosure of such personal data, for the purposes set out in this Privacy Policy.

2.2 Information we collect about you.

We may automatically collect the following information:

d.  details of the transactions you carry out when using our Services, including geographic location from which the transaction originates;

e.  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, browser plug-in types and versions, operating system and platform;

f.  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.

2.3 Information we receive from other sources.

We may receive information about you if you use any of the other websites we operate or the other services we provide. We also may receive information about you from our third parties partners.

2.4 Information from social media networks.

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.

3. Cookies

a.  Our Services use cookies to distinguish you from other users. This helps us to provide you with a good experience and also 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.

4. How do we use your information

We use your information in the following ways:

a.  to carry out our obligations relating to your contract with us and to provide you with the information, products and services;

b.  to comply with any applicable legal and/or regulatory requirements;

c.  to notify you about changes to our Services;

d.  as part of our efforts to keep our Services safe and secure;

e.  to administer our Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes;

f.  to improve our Services and to ensure that they are presented in the most effective manner;

g.  to measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you;

h.  to allow you to participate in interactive features of our Services, when you choose to do so;

i.  to provide you with information about other similar goods and services we offer;

j.  to provide you, or permit selected third parties to provide you, with information about goods or services we feel may interest you; or

k.  to combine information we receive from other sources with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).

5. Disclosure of your information

5.1 We may share your information with selected third parties including:

a.  affiliates, business partners, suppliers and sub-contractors for the performance and execution of any contract we enter into with them or you;

b.  advertisers and advertising networks solely to select and serve relevant adverts to you and others; and

c.  analytics and search engine providers that assist us in the improvement and optimisation of our site; and

5.2 We may disclose your personal information to third parties:

d.  in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;

e.  if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our Customer Agreement and other applicable agreements; or to protect the rights, property, or safety of Crystal Remit Pty Ltd, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction;

f.  to assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonable and appropriate to do so;

g.  to prevent and detect fraud or crime;

h.  in response to a subpoena, warrant, court order, or as otherwise required by law;

i.  to assess financial and insurance risks;

j.  to recover debt or in relation to your insolvency; and

k.  to develop customer relationships, services and systems.

5.3 Third parties:

l.  We do not have a published list of all of the third parties with whom we share your data with, as this would be heavily dependant on your specific use of our Services. However, if you would like further information about who we have shared your data with, or to be provided with a list specific to You, you can request this by writing to us.

6. Where we store your personal data

a.  The data that we collect from you is securly stored on our servers. It may also be processed by staff engaged in, among other things, the fulfilment of your payment order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy.

7. Sharing your data

a.  In order to provide our Services to you, it is sometimes necessary for us to share your date with or third parties outlined in section 5.1. In these cases, we ensure that both ourselves and our partners take adequate and appropriate technical, physical and organisational security measures to protect your data. We also ensure we have appropriate contractual protections in place with these third parties.

8. Profiling and Decision Making

a.  We may use some instances of your data in order to customise our Services and the information we provide to you, and to address your needs – such as your country of address and transaction history. For example, if you frequently send funds from one particular currency to another, we may use this information to inform you of new product updates or features that may be useful for you. When we do this, we take all necessary measures to ensure that your privacy and security are protected – and we only use pseudonymised data where ever possible. This activity has no legal effect on you.

b.  As part of being a highly technical and innovative company, we may use Automated Decision Making (ADM) in order to improve your experience, or to help fight financial crime. For example, so that we can provide you with a fast and efficient service, we may use ADM to verify your identity documents, or to confirm the accuracy of the information you have provided to us. None of our ADM processes have a legal effect on you.

9. Data Retention

a.  As a regulated financial institution, Crystal Remit Pty Ltd is required by law to store some of your personal and transactional data beyond the closure of your account with us. Your data is only accessed internally on a need to know basis, and it will only be accessed or processed if absolutely necessary.

b.  We will always delete data that is not longer required by a relevant law or jurisdiction in which we operate.

c.  Retention periods defined for the storage of your data depends on the relevant laws and regulations.

10. Your rights

a.  You have the right to ask us not to contact you for marketing purposes by contacting us.

b.  You have the right to correct any personal information We hold on you that is inaccurate, incorrect, or out of date.

c.  You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which Crystal Remit Pty Ltd is subject to.

d.  You have the right to transfer your personal data between data controllers, for example, to move your account details from one online platform to another.

e.  Our Services may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility for them. Please check these policies before you submit any personal data to these websites.

11. Access to information

a.  Subject to applicable laws, you may have the right to access information we held about you. Your right of access can be exercised in accordance with the relevant data protection legislation.

12. Changes to our privacy policy

a.  Any changes we may make to our privacy policy will be posted on this page and, where appropriate, notified to you by e-mail. Please check back frequently to see any updates or changes to our privacy policy.

13. Contact

a.  Questions, comments and requests regarding this privacy policy are welcomed.

b.  If you feel that we have not addressed your questions or concerns adequately, you may make a complaint with the relevant data protection legislation agency.