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Cela Remit Privacy Policy

Your privacy is our priority. Learn how we handle your data.

At Cela Remit Limited, your privacy is our priority. We are committed to protecting and respecting your personal data in compliance with the UK General Data Protection Regulation (UK GDPR) and other applicable privacy laws.

This Privacy Policy explains how we collect, use, share, and protect your information when you use our remittance services, mobile applications, or website. Please read carefully to understand our views and practices regarding your personal data and how we will treat it.

1. Who We Are

CELA is a secure and trusted remittance platform operated by Cela Remit Limited, a company registered under the laws of England and Wales with company number 11484124 and registered address at 1st Floor North Westgate House, Harlow, England, CM20 1YS. For the purposes of the Data Protection Act 2018 and the UK GDPR, we are the Data Controller of your personal data.

2. Data We Collect About You

We collect various types of personal data about you, depending on how you use our app. This may include:

  • Identity Data: Full name, date of birth, nationality, government-issued identification (e.g., passport, driving licence), and photographs.
  • Contact Data: Email address, phone number, and postal address.
  • Financial Data: Bank account details, payment card information, transaction details, and any information related to payments or transfers.
  • Usage Data: Information about how you use our app, including your activity logs, time spent on the app, and access times.
  • Technical Data: Device identifiers, IP address, browser type, and operating system.

3. How We Collect Your Data

We collect data in the following ways:

  • Direct Interactions: When you register, create an account, initiate a remittance, or communicate with us.
  • Automated Technologies: Through your interactions with our app, we collect technical and usage data through cookies, logs, and analytics tools.
  • Third Parties: We may receive personal data about you from our business partners, service providers, and verification agencies, as required for regulatory and security purposes.

4. How We Use Your Data

We use your personal data for the following purposes:

  • To Provide Our Services: Processing transactions, verifying your identity, and completing payments and remittances.
  • Customer Support: Responding to inquiries, troubleshooting, and providing support.
  • Compliance with Legal Obligations: Meeting our obligations under UK anti-money laundering (AML) laws, fraud prevention, and regulatory compliance.
  • App Improvement: Enhancing and optimizing our app’s performance.
  • Marketing Communications: Sending promotional content or updates (with your consent). You may unsubscribe at any time.

5. Legal Basis for Processing

We process your personal data based on the following legal grounds:

  • Performance of a Contract: Necessary to deliver the services you’ve requested.
  • Legal Obligations: Complying with regulatory requirements, particularly AML laws.
  • Legitimate Interests: Improving our app, ensuring security, and developing our services.
  • Consent: Where applicable, you may withdraw your consent at any time.

6. Data Sharing and Disclosure

We may share your personal data with:

  • Service Providers: Third parties for payment processing, identity verification, IT, and support.
  • Regulatory Bodies: UK authorities such as HMRC and the Financial Conduct Authority (FCA).
  • Business Partners: Banks and financial institutions.

7. Data Security

We take data security seriously and implement appropriate measures. However, no system is completely secure. In case of a breach, we will follow legal notification requirements.

8. Data Retention

We retain your data for as long as necessary, generally for 6 years after your last transaction, or as required by law.

9. International Transfers

When transferring data outside the UK, we ensure safeguards like Standard Contractual Clauses under the UK GDPR.

10. Your Rights

Under UK GDPR, you have rights including:

  • Right to Access
  • Right to Rectification
  • Right to Erasure
  • Right to Restrict Processing
  • Right to Data Portability
  • Right to Object
  • Right to Withdraw Consent

11. Cookies

Our app uses cookies to enhance your experience. Refer to our Cookie Policy for details.

12. Children’s Privacy

Our services are not intended for individuals under 18 years. We do not knowingly collect data from children.

13. Changes to This Privacy Policy

We may update this policy and notify you by updating the “Last Updated” date.

14. Contact Us

If you have any questions, contact us at:

  • Email: support@celaremit.com
  • Address: 1st Floor North Westgate House, Harlow, England, CM20 1YS