Privacy Policy
Your privacy and keeping your personal information secure are extremely important to us. At Mangal Money Transfer, we are committed to protecting and respecting Your privacy and handling your information in an open and transparent manner.
We may collect, record and use information about you in physical and electronic form and will hold, use and otherwise process this data in accordance with the Data Protection Legislation and as set out in our policy. Please refer to our full privacy policy at www.mangalmoneytransfer.co.uk.
Who does this notice apply to?
This notice applies to:
our service users who access our services such as our website or content anywhere on the web, participate in our surveys and focus groups and other users;
our clients, suppliers and business partners; and
other persons who interact with us, when you call us or email us.
This notice applies to you whether you act in your personal capacity or as an employee or agent of an organisation.
Information Collected
If you wish to conduct a transaction we will ask for your name, email address, postal address, telephone number, demographic information, evidence of your identity, reason for your transfer request, your payment details and other financial data such as bank statements, payslips, self-assessment and other financial documents. We may also ask you for further information on your order and may also require identification to satisfy the legality of the order. We also collect from you information in relation to other people (for example, details of the recipients of Your money transfers). In providing this information you confirm to us that you have obtained all necessary permissions from them to the reasonable use of their information for the purposes and in the manner described in this Policy or are otherwise permitted to give us this information on their behalf. Please also ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.
Our Legal basis for processing your personal information:
We only use your personal information for a specific purpose; and before we do so we must have a legal reason. For example, when it is necessary for us to perform a contract with you for our services, for our legitimate interest, or where you have given us your consent, or to fulfil our legal obligations. These are all known as the “legal basis for processing”. Processing is necessary for the performance of a contract, or to take steps prior to entering into a contract with us. Deliver our products and provide you with our services such as conducting money transfers, payment services. This may include “know your customer(KYC)” checks and verifying your identity and confirming your financial details. Processing is necessary for our legitimate interests (to the extent that such legitimate interests are not overridden by your interests). Our legal basis for processing your personal reasons are as follows: (This is not an exhaustive list)
- Managing and maintaining our communications and IT systems;
- Detecting and protecting against: fraud; money laundering, criminal activity; illicit use of our Services; breaches of our policies and applicable laws;
- The processing is necessary for compliance with a legal or compliance obligation.
- Maintenance of records to comply with legal, audit, regulatory and tax requirements;
- To investigate fraud, money laundering, terrorist financing and any other illegal activity;
- To comply with legal and regulatory duties related to anti-money laundering terrorist financing; detection, prevention and prosecution of fraud and theft and preventing illicit use of our Services or any other illegal or wrongful activity;
- To comply with Data Protection legislation and any other applicable law;
- To comply with court orders, disclosures to law enforcement or tax agencies; requests from the Information Commissioner’s Office(ICO), the Financial Conduct Authority(FCA), Home Office Revenue & Tax (HMRC), or other governmental or regulatory agency with supervisory authority over us.
Use and Disclosure of Personal Information:
We use your data and keep a record of that correspondence and incorporate the information it contains into our database to assist us in providing and delivering any products and services to you, and to help us improve and develop these services, and also;
1. If we are requested for such information by the police superintendent, or a regulatory, or government authority investigating illegal activities, we may disclose the information we collect as permitted or required by law.
2. In order to comply with legal, regulatory, security and processing requirements, government and foreign government requirements applicable to us, including but not limited to anti-money laundering laws.
Who do we share your data with?
In some cases, we may share your Data with third parties in order to support your needs, provide you with services, or comply with our legal obligations. We may also share Data with third parties if it is in the public interest or the sharing is in our legitimate interest or the legitimate interest of another organisation.
The other organisations we may share your Data with are typically: Third-party suppliers and service providers for the purposes identified above – in particular, we work with platform services (to provide financial services and account management functions), cloud providers (to host the Site), affiliate platform services, customer support software services, data storage services, payment service providers, know-your-customer and anti-money laundering services as well as enhanced due diligence and anti-fraud services, financial services regulators (such as the FCA), data matching services (to ensure we receive accurate information if you register with us) and click fraud detection and protection services. Business partners and other organisations to help us meet our contractual and regulatory obligations, including audit, legal and compliance services.
Statutory authorities when we are required to comply with a request for information, a court order to disclose your Data, a regulatory investigation from a relevant governmental or financial or regulatory authority, our legal obligations including our requirement to report suspicious behaviour.
Regulator, law enforcement or fraud prevention agencies as well as legal professionals, courts and other adjudication services to investigate any actual or suspected criminal activity.
We may also share your Data with third parties:
If we consider selling or acquiring businesses or assets, in which case we will share your Data with the counterparty. If we need to enforce our terms and conditions. Where we are required by law, we may share your Data with regulators or other financial services organisations.
How We Protect Information
We take every precaution to protect your information. We endeavour to maintain physical, technical and procedural safeguards that comply with applicable government laws and regulations to guard your Information.
All personal information stored by us is kept in a secure environment. Only employees, who need the information to perform a specific job, are granted access to personally identifiable information. We will store your data for 5 years from the date you enter into a business relationship with us.
Your Rights
Subject to applicable law, you may have a number of rights regarding our processing of your relevant personal information, including:
The right to request access to your personal information, together with information regarding the nature, processing and disclosure of those personal information, the right to request for the correction of any inaccuracies in your personal information, the right to request for the erasure of your personal information. This is also known as the right to be forgotten. We will keep a note of your name if you ask for your personal information to be erased; the right that we restrict our use of your personal information; the right to object to our use of your personal information.
We may require proof of your identity before we can give effect to these rights. You should also be aware that some of these rights are qualified and not absolute; therefore exemptions or limitations may apply. The quickest and easiest way to make a data subject request is to contact us via email at compliance@mangalmoneytransfer.co.uk in compliance with Data Protection Legislation.
Contact Us
If you have any questions or queries about our Privacy Statement or how we handle data, please contact us either by e-mail: info@mangalmoneytransfer.co.uk or by phone: + 44 (0) 208 951 4447
Complaints Procedure:
If you have a complaint or concern about how we collect, use, store, share, or otherwise process your personal data, you have the right to make a complaint directly to us.
As per Data Use and Access act, you can submit a data protection complaint by contacting our Data Protection Team at compliance@mangalmoneytransfer.co.uk.
Upon receiving your complaint, we will:
Acknowledge receipt of your complaint within 30 days;
Conduct appropriate enquiries and investigations into the matters raised;
Keep you informed of the progress of our investigation where appropriate;
Take reasonable and proportionate steps to address any issues identified; and
Inform you of the outcome of your complaint without undue delay.
We encourage you to contact us first so that we have the opportunity to investigate and resolve your concerns.
You also have the right to lodge a complaint with the Information Commissioner's Office (ICO) at any time if you are dissatisfied with our handling of your personal data or our response to your complaint.
The ICO can be contacted through their website at www.ico.org.uk or by telephone on 0303 123 1113.
Making a complaint to MMT does not affect your right to complain directly to the ICO at any stage.
Where required by applicable law, we will also remind you of your right to complain to MMT and to the ICO when responding to requests relating to your data protection rights, including subject access requests, rectification requests, erasure requests, restriction requests, and other rights available under UK data protection legislation. Please refer to our complaints policy for further details around how we handle your complaints. If you have any concerns about our use of Your information, You also have the right to make a complaint to:
The Information Commissioner's Office, which regulates and supervises the use of personal data in the United Kingdom, via their helpline on 0303 123 1113
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16. Glossary
Term What this means
Data Information relating to an identifiable person, who can be directly or indirectly identified in particular by reference to an identifier, or which is otherwise defined as ‘Personal Data’ under Data Protection Legislation.
Data Protection Legislation Data Protection Act 2018 (UK GDPR), EU General Data Protection Regulation 2018 (GDPR), the Privacy and Electronic Communications (EC Directive) Regulations 2003, and any other applicable laws relating to the protection of Data.
Process, Processing or
Processed Accessing, collecting, obtaining, recording, holding, disclosing, using, altering, deleting, erasing or destroying Data, or carrying out any operation(s) on the Data
or as otherwise defined under applicable Data Protection Legislation.