Privacy Policy

Wiremit ("we," "us," or "our") is deeply committed to respecting and safeguarding your personal information. This Privacy Policy is intended to provide transparency into how we collect, use, disclose, store, and secure your personal data when you engage with our services—whether through our website (wiremit.money), mobile applications, branches, or affiliated partners.

As a financial services provider regulated in Zimbabwe and operating globally through partnerships (e.g., with RIA Money Transfer), we strictly adhere to all applicable data protection laws and best practices.

2.1 Personal Information We Collect

We collect various categories of personal data that help us deliver our services securely and legally. This includes:

Identity Information

• Full legal name
• Date of birth
• Gender and nationality
• Identification details (passport, national ID, driver's license)
• Photographic identification

Contact Details

• Mobile number and email address
• Residential and mailing address
• Preferred language for communication

Financial Data

• Bank account numbers and payment card information
• Transaction logs and payment history
• Income source and employment details

Transaction-Specific Data

• Recipient information and purpose of transaction
• Transfer amount, currency, and payment method
• Timestamp and geolocation data (when available and consented)

2.2 Technical and Behavioral Information

• IP address and device identifiers
• Browser settings and operating system data
• Website usage metrics (e.g., pages visited, session duration)
• Login and logout timestamps
• Cookies and analytics data

2.3 Data From Third Parties

• Identity verification service providers
• Anti-fraud and KYC compliance agencies
• Regulatory and law enforcement bodies
• Our affiliated payment and financial partners (such as RIA)

3.1 To Deliver and Manage Services

• To process your money transfer, currency exchange, or payment instructions
• To establish and maintain your Wiremit account
• To send transaction receipts, confirmations, and alerts
• To deliver customer service and technical support

3.2 For Legal and Regulatory Compliance

• To satisfy Anti-Money Laundering (AML) and Know Your Customer (KYC) obligations
• To comply with financial sanctions and embargo screening
• To respond to legitimate legal and regulatory requests (e.g., subpoenas, court orders)

3.3 For Security and Risk Management

• To prevent, detect, and investigate fraud, abuse, or unauthorized transactions
• To ensure platform and information security
• To record and monitor communications for compliance and training purposes

3.4 For Marketing (with Consent)

• To provide promotional offers and rate updates
• To distribute educational and service-related content
• To invite participation in surveys, contests, or promotional programs
• To personalize content and communication preferences

3.5 For Service Enhancement and Innovation

• To analyze usage trends and customer behavior
• To improve website performance and user interface
• To develop new financial products, tools, and features

4.1 Opt-In Consent Model

You can choose to receive marketing communications through:

• Checking a consent box at the point of registration
• Adjusting communication preferences via your Wiremit profile
• Responding affirmatively to prompts within the app, email, or SMS

4.2 Types of Communications

Promotional Messages

• Discounted rates and limited-time offers
• Refer-a-friend incentives
• Seasonal or event-based campaigns

Educational Content

• Remittance tips, financial planning guidance
• Scam and fraud awareness
• Market trend analysis

Service Announcements

• New feature launches
• Platform maintenance notices
• Branch openings and partnership updates

4.3 Communication Methods

• Email, SMS, and push notifications
• Social media channels (where users follow us)
• Direct telephone calls (with express permission)
• Postal communications for registered clients

4.4 Managing and Withdrawing Consent

• Users can update marketing preferences anytime via account settings
• Use "unsubscribe" links in emails or reply "STOP" to SMS messages
• Contact support to manage or revoke consent

4.5 Partner Marketing (Only With Consent)

• We may collaborate with third-party partners for co-branded campaigns
• Your information is shared only with your prior approval
• You may opt out of each campaign individually

5.1 With Trusted Service Providers

We may share personal data with contracted vendors that support our operations, such as:

• Banks, payment processors, and mobile wallet providers
• Identity and address verification firms
• IT and software vendors
• Email and SMS marketing platforms

5.2 With Our Business Partners

• RIA Money Transfer and other remittance networks
• Telecommunications and insurance partners
• Authorized agents and branch affiliates

5.3 For Legal and Regulatory Reasons

• Regulators and law enforcement bodies
• Tax and financial intelligence authorities
• Legal representatives, auditors, or courts when required

5.4 In Case of Business Transfers

If our business is involved in a merger, acquisition, asset transfer, or similar change, your data may be transferred under the same level of privacy protection.

6.1 Retention Periods by Data Category

• Transactional records: Retained for a minimum of 7 years
• Identity verification: Stored for 5 years after account closure
• Cookie and usage data: Retained up to 2 years
• Marketing consent logs: Maintained until revoked or account is closed

6.2 Extension for Legal Obligations

• Data may be held longer for purposes of audits, litigation, tax reviews, or fraud prevention

7.1 Security Safeguards

Wiremit takes data security seriously and implements:

• Data encryption (in transit and at rest)
• Secure socket layer (SSL) protocols
• Role-based access control and multi-factor authentication
• Employee data privacy training and internal audits
• Security testing, including penetration testing and threat assessments

7.2 Data Breach Response Protocol

If a security incident occurs:

• We will assess and contain the breach immediately
• Notify affected users and regulators within the required legal window (e.g., 72 hours)
• Take corrective action to prevent future breaches

8.1 Right to Access

• Request and obtain a copy of personal data we hold
• Receive an explanation of how we use your data

8.2 Right to Correction

• Request rectification of inaccurate or incomplete information
• Update your profile to maintain accuracy

8.3 Right to Deletion ("Right to be Forgotten")

You may request deletion if:

• The data is no longer necessary for service delivery
• You withdraw consent for marketing purposes
• The data was unlawfully processed

8.4 Right to Restrict Processing

• Applicable in cases of dispute over data accuracy or legality
• We may store the data without further processing

8.5 Right to Object

• Object to direct marketing at any time
• Object to automated decision-making or profiling

9.1 Purpose of Cookies

Cookies are used for:

• Session management and site functionality
• Fraud detection and prevention
• Usage analytics and performance tracking
• Marketing and personalization (with user consent)

9.2 Managing Cookies

You can control cookie preferences by:

• Configuring browser settings to block or clear cookies
• Using consent pop-ups on our website
• Managing third-party ad tracking tools

9.3 Use of Third-Party Cookies

We may employ services like:

• Google Analytics
• Meta/Facebook Pixel
• WhatsApp API or live chat widgets
• Email tracking systems

10.1 Why Data Is Transferred

Due to our global operations, your information may be stored or processed in:

• Zimbabwe
• Data centers operated by cloud service providers
• Jurisdictions of our partners like RIA

10.2 How We Protect Your Data

• Using standard contractual clauses (SCCs)
• Data minimization and encryption
• Limiting access to jurisdictions with adequate protection laws

11.1 Age Restrictions

• Wiremit services are intended for individuals 18 years and older
• We do not knowingly collect data from minors

11.2 Parental Controls

If it is discovered that a minor has submitted data:

• We will promptly delete the information
• Notify the parent or legal guardian if contactable

12.1 When Updates Occur

We may revise this policy to reflect:

• Changes in laws or regulations
• Service improvements or new data uses
• Updates to our security infrastructure

12.2 Notification of Changes

• Prominent notices on our website
• Email or SMS notification where required
• User dashboard alerts

13.1 Privacy Queries

• Email: info@wiremit.money
• Call (United Kingdom): +44 203 878 7305
• WhatsApp (Zimbabwe): +263 78 689 3253
• Mailing Address: Wiremit Pvt Ltd, 66-67 Newnam Street, London, W1T 3EQ, Greater London, GB

13.2 Data Protection Officer (if applicable)

• Email: info@wiremit.money

14.1 Regulatory Status

• Wiremit is licensed under Zimbabwean financial service laws
• Operates under AML and data privacy regulatory frameworks

14.2 Complaint Procedures

• You may escalate concerns to the Zimbabwean Data Protection Authority
• Legal assistance may be sought to enforce your data rights

By using our services, you confirm that you have read and understood this Privacy Policy. Your continued use of Wiremit platforms implies acceptance of any updated versions of this policy.