MS-Remit – Privacy Policy

This Privacy Policy explains how MS11Capital Pty Ltd (ACN: 659025537), trading as MS-Remit (“MS-Remit”, “we”, “us”, “our”), collects, uses, stores, and discloses personal information.

We are committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

Scope of This Policy

This Privacy Policy applies to:

• Users of the MS-Remit website and platform
• Customers who register an account or submit transfers
• Individuals whose information is provided as part of a transfer (e.g. beneficiaries)

By using MS-Remit services, you consent to the collection, use, and disclosure of your information as described in this Policy.

Information We Collect

We may collect personal information including (but not limited to):

(a) Identity Information

• Full name
• Date of birth
• Nationality
• Government-issued ID details
• Selfie or facial verification images

(b) Contact Information

• Mobile number
• Email address
• Residential address

(c) Financial & Transaction Information

• Bank account details
• Transaction amounts
• Payment references
• Source of funds information
• Purpose of transfer

(d) Beneficiary Information

• Beneficiary name
• Bank or wallet details
• Contact information (where required)
• Identification documents (for certain payout methods)

(e) Technical Information

• IP address
• Device and browser information
• Login activity and timestamps

How We Collect Information

We collect information when you:

• Register an account
• Complete identity verification
• Submit a transfer
• Contact customer support
• Provide documents or additional information
• Use our website or platform

We may also receive information from:

• Identity verification providers
• Banks and payment partners
• Regulators or law enforcement agencies (where permitted by law)

Why We Collect Your Information

We collect and use personal information to:

• Provide and operate remittance services
• Verify your identity (KYC / EDD)
• Process transactions and payments
• Meet legal and regulatory obligations (including AML/CTF)
• Detect and prevent fraud, scams, and illegal activity
• Communicate with you about your account or transfers
• Improve our services and platform security

If you do not provide required personal information, we may be unable to provide our services, process transactions, or comply with legal obligations.

Disclosure of Information

We may disclose your personal information to:

• Payment partners and banks (e.g., Finmeo)
• Payout partners in destination countries
• Identity verification and fraud-prevention providers
• Regulators and government authorities (e.g., AUSTRAC)
• Professional advisers (e.g., auditors, accountants, legal advisers)
• Service providers assisting with IT, hosting, or customer support

We do not sell your personal information.

Overseas Disclosure

Your personal information may be disclosed to recipients outside Australia, including banks, payment partners, and payout providers, for the purpose of completing remittance transactions.

Where overseas disclosure occurs, we take reasonable steps to ensure that recipients handle personal information in a manner consistent with Australian privacy obligations, unless an exception under the Privacy Act 1988 (Cth) applies.

Cookies and Analytics

We may use cookies and similar technologies to operate our website, analyse usage, enhance security, and improve our services.

You can control or disable cookies through your browser settings; however, some website features may not function properly if cookies are disabled.

Storage and Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.

These steps include:

• Secure systems and access controls
• Encryption and secure data transmission
• Restricted access to sensitive information
• Ongoing monitoring and security reviews

Retention of Information

We retain personal information only for as long as required to:

• Provide our services
• Meet legal and regulatory obligations
• Resolve disputes
• Maintain records required under AML/CTF laws

Some information must be retained for at least 7 years under Australian law.

Access and Correction

You may request access to, or correction of, your personal information by contacting us.

We may need to verify your identity before processing such requests and may refuse access where permitted by law.

Complaints

If you believe we have mishandled your personal information, you may contact us using the details below.

We will investigate privacy complaints and respond within a reasonable timeframe.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

Changes to This Privacy Policy

We may update this Privacy Policy at any time.

Continued use of MS-Remit services after the “Last Updated” date constitutes acceptance of the updated Privacy Policy.

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