Prompt Remit (AR Worldwide Services Ltd) Privacy Policy

1. Introduction

This document represents the Privacy Policy of Prompt Remit, a trading name of AR Worldwide Services Ltd, located at 290 Preston Road, Harrow, Middlesex, HA3 0QA, United Kingdom. This policy governs the handling of personal and sensitive data collected by Prompt Remit in the course of providing remittance services. As a financial institution authorized by the Financial Conduct Authority (FCA) and regulated by Her Majesty's Revenue and Customs (HMRC), we adhere to stringent data protection standards as mandated by the Data Protection Act 1998 and the General Data Protection Regulation (GDPR).

2. Acknowledgment and Acceptance of Terms

By accessing, browsing, and using the services of Prompt Remit through our website [www.promptremit.com](http://www.promptremit.com), you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this policy, you should refrain from using our services.

3. Definitions

For clarity and precision, the following terms are defined as used in this policy:
- Account: A registered profile enabling access to our services.
- Company: Refers to AR Worldwide Services Ltd, operating under the trade name Prompt Remit.
- Personal Data: Any information relating to an identified or identifiable natural person.
- Service Provider: A third-party entity that processes data on behalf of the Company.
- Usage Data: Information collected automatically from the service use (e.g., page visits).
- Cookies: Small data files placed on your device by our website.
- Data Subject: An identifiable natural person whose personal data is processed.

4. Scope of Data Collection

Prompt Remit collects various types of information to ensure efficient service delivery:
- Personal Identification Information: This includes, but is not limited to, your full name, postal address, email address, telephone number, government-issued identification numbers (such as social security number or passport number), and financial information such as bank account details necessary for processing remittance transactions.
- Usage and Technical Data: Including your IP address, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access our website.
- Transaction Data: Details about the transactions you carry out through our service, including the recipient’s information, the purpose of the remittance, and the financial details of the transaction.
- Communication Data: Records of your communication with us, whether through the website, email, telephone, or other means.
- Cookies and Tracking Data: Data about your browsing actions and patterns collected by using cookies, web beacons, and similar tracking technologies.

5. Purpose and Legal Basis for Processing Personal Data

The data collected by Prompt Remit is used for various purposes:
- To Fulfil Contractual Obligations: Processing your personal data where it is necessary for the performance of a contract to which you are a party, or to take steps at your request before entering into such a contract (e.g., to process remittance transactions).
- To Comply with Legal Obligations: Where we need to comply with a legal or regulatory obligation (e.g., anti-money laundering regulations).
- For Legitimate Interests: Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests (e.g., for fraud prevention).
- With Your Consent: In specific situations, we process your data with your consent (e.g., for marketing purposes).

6. Data Retention

Prompt Remit will retain your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

7. Data Security

The security of your data is of paramount importance to us. We have implemented appropriate technical and organizational measures to protect the data we collect from your use of our services and against unauthorized access, alteration, disclosure, or destruction. These measures include internal reviews of our data collection, storage and processing practices, and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.

8. Sharing and Disclosure of Your Information

- With Service Providers: We may share your information with third-party service providers to perform functions and process user data and support our business (e.g., payment processing, data analysis, email delivery, hosting services).
- For Business Transfers: In the event of a merger, acquisition, reorganization, bankruptcy, or other similar event, your personal data may be transferred or shared with the successor or assignee, if permissible and in accordance with the law.
- Legal Compliance and Protection: We may disclose your information if required by law or if we believe in good faith that such action is necessary to comply with a legal obligation, protect and defend our rights or property, prevent fraud, protect the personal safety of users of the service or the public, or protect against legal liability.

9. International Data Transfers

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. We will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

10. Your Data Protection Rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data, including the right to access, correct, delete, or transfer your personal data, object to processing of your personal data, withdraw consent, and the right to complain to a data protection authority about our collection and use of your personal data. For more information or to exercise your data protection rights, please contact us using the contact details provided.

11. Use of Cookies and Similar Technologies

We use cookies and similar tracking technologies to track the activity on our service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Other tracking technologies are also used such as beacons, tags, and scripts to collect and track information and to improve and analyze our service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our service.

12. Links to Other Sites

Our service may contain links to other sites that are not operated by us. If you click a third- party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

13. Children's Privacy

Our service is not intended for individuals under the age of 18 ("Children"). We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with Personal Data without your consent, please contact us immediately. We take steps to ensure that any Personal Data collected from children under the age of 18 is either deleted or only used in compliance with applicable laws.

14. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

15. Contact Information

For any questions or comments about this Privacy Policy or your Personal Data, please contact our Data Protection Officer at: - Email: info@promptremit.com - Postal Address: Data Protection Officer, AR Worldwide Services Ltd, 290 Preston Road, Harrow, Middlesex, HA3 0QA, United Kingdom.

16. Governing Law and Jurisdiction

This Privacy Policy shall be governed and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions. Our failure to enforce any right or provision of this Privacy Policy will not be considered a waiver of those rights.

17. Complaints

If you have any concerns or complaints about your privacy or this Privacy Policy, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) in the United Kingdom or with your local data protection authority.

18. Acknowledgment

This Privacy Policy, including all amendments and modifications, constitutes the entire agreement between the user and Prompt Remit (AR Worldwide Services Ltd) regarding the subject matter hereof. I apologize for the confusion earlier. Let's create a more comprehensive and detailed version of the Terms and Conditions for Prompt Remit, operated by AR Worldwide Services, with an emphasis on the intricacies and regulations relevant to an SPI (Small Payment Institution) business.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us: