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This money transfer agreement is entered as of 6th September 2023 by and between KLUG Group Ltd (hereinafter referred to as the “Provider”), who resides at 9 The George shopping Centre, Grantham NG31 6LH and Customers (hereinafter referred to as the “Client”), WHEREAS, the Client wishes to utilize the Provider’s money transfer services to electronically transfer funds, and the Provider wishes to provide such services under the terms of this money transfer agreement.
Now, Threfore, in consideration of the terms and conditions outlined herein, the parties to this money transfer agreement agree to the following:
What this User Agreement is for. This User Agreement describes how you can register with KLUG GROUP LTD and use our services. It applies to you when you first create an account with KLUG GROUP LTD and to all services we provide. You can end this agreement and stop using our services at any time by calling us and closing your KLUG GROUP LTD account.
How you can create a KLUG GROUP LTD account. You can register to use our services by creating a profile. You’ll then have access to your own portal, where you can use our services, review your history and more. You can also access our services by downloading our mobile application or through our website.
Information you should protect. You can only use our services for yourself – you can’t create an account or use our services for someone else. You also shouldn’t share your account information with anyone else to allow them to use our services for you. If you think someone else may have accessed your account, notify us as soon as possible. Please also be aware that we will never ask for your portal password or payment information.
How to contact us. We hope you enjoy using KLUG GROUP LTD , but if you want to stop using our services at any time, you can contact us and close your account. If you have questions or complaints about KLUG GROUP LTD or our services, email us at info@moneygogo.co.uk or check out our online Help Center and we’ll be happy to help you.
1.1 About us. Hello. We’re KLUG GROUP LTD U.K., Ltd., also referred to as KLUG GROUP LTD , we, us and our in this Agreement, and are a company registered in England and Wales with company registration number 12945699. We also refer to KLUG GROUP LTD Group in this Agreement, which means KLUG GROUP LTD and other companies within our group.
1.2 About you. When we say you or your in this Agreement, that means you as a user of the Services. You must live in the United Kingdom (UK) in order to use the Services.
1.3 About this User Agreement. This User Agreement (also called the Agreement) describes the terms and conditions for how we provide and how you can use the services we offer (our Services). Please read this Agreement and make sure you are happy with its terms before you use the Services. Once you accept the electronic version of this Agreement, this Agreement becomes legally binding on you. Do not use our Services if you cannot agree to something in this Agreement. If you don’t understand something or want more information, please take a look at the information on our website or mobile application (Mobile App) or contact us. You can download a PDF version of this Agreement by clicking the link at the top of this page, if you want a copy to refer to in the future.
1.4 Defined terms. Capitalised terms in this Agreement have a specific meaning. Their definition is explained in this Agreement and the defined term will show in bold.
1.5 What rules we follow. We follow the rules and requirements of and are regulated by the Financial Conduct Authority as PSD agent for PPS (agent reference number 999284) to provide payment services.
1.6 Other agreements you should read. If you want to Send money – use our money transfer service to send money internationally to friends and family, our Transaction Terms apply to your use of that service each time you send money through KLUG GROUP LTD . You should also read our Privacy Policy and Cookie Policy for information about how we collect, use and share your personal data.
1.7 Where to find other important information. If you want to use our money transfer service, please read our Key Service Information page (KSI) for key information about that service. The KSI is not part of this Agreement or the Transaction Terms. It only provides helpful information you should read before accepting this Agreement or the Transaction Terms to make sure you are happy with how we provide money transfers, your rights when sending money and your rights as a KLUG GROUP LTD customer (such as how to cancel or stop using our Services).
2.1
How to contact us. You can contact us with questions or request a refund in any of these ways:
online, by telephone at 0800 0568 330, or by mail to our registered address at 9 The George shopping centre, Grantham NG31 6LH, UK for the attention of Customer Services.
2.2 Contacting us about serious issues.Contact us by telephone immediately if you think you are a victim of fraud or a security breach (for example, if the Services were used from your account without your permission or the email address on your Profile has been compromised). Once we are notified, we will suspend the use of your Profile and Portal until security issues are resolved. If you think someone is using our Services inappropriately, or if you receive any fake/phishing emails that say they are from KLUG GROUP LTD , please forward them to us at info@moneygogo.couk . Please be aware that we will never ask for your Portal password or payment information. We will contact you using appropriate means if we suspect fraud or security threat to your Profile or Portal/
2.3 Equipment you need to contact us. In order to contact us online, by email or through your Portal, you will need certain equipment. This can be a mobile device, smartphone, tablet or computer that is compatible with our Services and systems and gives you access to the internet (altogether, Equipment).
2.4 How we will communicate with you. We will communicate with you by email or phone (including text messages), on your Profile, through our website or our Mobile App. We won’t communicate with you by post or other non-electronic ways unless we are required to by law. You can withdraw your consent to receive communications electronically by notifying us, but if you do, you will not be able to use our Services.
2.5
Information we will share with you. We will provide you with information about:
this Agreement and your use of the Services,
disclosures about the Services or KLUG GROUP LTD ,
customer service communications (including anything related to fraud, security threats or errors/unauthorised use of the Service), and
any other information we are required to provide you by law.
2.6 Communications will be in English. We will provide our Services, communicate with you and agree to this Agreement with you in English. If your Equipment is set to another language when you use the Services or read and agree to this Agreement, only the English language version of this Agreement and the Services will apply.
2.7 When communications are considered delivered. Notices are considered delivered within 24 hours of when it’s available on our website, emailed or texted to you. If we send a notice by post, it is considered delivered 3 Business Days after we send it. A Business Day is any day (except for Saturday, Sunday and holidays) when banks in the United Kingdom are open to the public for business.
3.1
First, create a Profile. To use our Services, you must create a profile where we will store certain information about you (a Profile). We will use the information on your Profile to determine if you are eligible to use our Services by assessing potential fraud and other risks if you use our Services. To create a Profile, you must:
3.2 Next, access the Portal. After you create your Profile, you can access a personalised portal on our website or Mobile App (the Portal). Please be aware that the Portal is a tool that you can send money through and is not an account (such as a bank or payment account). You will not be able to store any form of money or funds (like e-money) on the Portal.
3.3 Then, provide your Payment Instrument. A payment instrument is, for example, a bank account, a credit or debit card, or a mobile application to make payments. You must allow us access to the payment instrument that you want to use with our Services (your Payment Instrument). We will also use your Payment Instrument to charge you if you owe us fees for using the Services.
3.4 Payment Instrument requirements. In addition to other requirements described below, you must be the authorised and lawful user of each Payment Instrument on your Profile, and all Payment Instruments must not be expired. You authorise us to verify your Payment Instrument is in good standing by submitting a test payment request for a low value amount and carrying out checks with your card issuer. We will follow your card issuer and any payment scheme rules when completing test payments and will refund you any test payment amounts.
4.1 Use our Services only for yourself. You are allowed to create only one Profile for your own use, and we may limit the number of email addresses and Payment Instruments that are associated with your Profile. You must not create a Profile or use our Services for another person.
4.2 No business purposes. Our Services are only available to consumers, which means individuals who use our Services for personal reasons, and not for their business and profession. You must not use our Services for any business-related purposes, otherwise we may stop you from using our Services without any further responsibility to you.
4.3 Information you share. All information you provide us must be accurate, complete and up to date. This also means you must notify us and update your Profile if your information changes in the future. If you move outside of the UK, you may need to accept a different KLUG GROUP LTD User Agreement for your new location and some of our Services may not be available.
4.4 Your Service Providers. To use our Services, you may need to enter into agreements with third party service providers (Service Providers), such as your Payment Instrument issuer, internet service provider, mobile device manufacturer and network operator who provide you your Equipment. You agree to comply with any agreements you enter into with Service Providers that are related to your use of our Services.
4.5 Restricted persons and territories. By law, we can’t provide our Services in certain countries and to certain individuals. You must not use our Services if you are located in, or want to send money to, a region where we are legally prohibited from providing the Services. For more information about this, please see the Specially Designated Nationals list and Non-cooperative Countries and Territories list on the UK government website.
5.1 Authenticating your Profile and Portal. You may need to follow instructions to authenticate and successfully log in to your Profile or Portal. This might be confirming your email address and password so we can be sure you are providing us an instruction or logging in to your Profile, rather than someone else.
5.2 Your security responsibilities. We use different security measures to make sure that your information is safe and protected. However, you also have the following security responsibilities:
5.3 Fingerprint access. We may allow you to scan your fingerprint on your Equipment to access the Services (for example, “TouchID”). If this functionality is available to you and you want to do this, you must download the Mobile App on your Equipment and allow the Mobile App to scan your fingerprint. You should make sure that only your fingerprint is registered on your Equipment to prevent accidental and unauthorised payments from another person.
5.4
Suspending the Services. We may need to suspend access to the Services to:
deal with technical problems or make minor technical changes, update the Services to reflect changes in laws or regulatory requirements, make other changes to the Services which we have notified you about, or carry out maintenance which we will try to notify you about in advance.
We are not responsible for any financial losses you may suffer if our Services are unavailable because of these reasons.
5.5 Restricted activities. When using our Services, there will be certain activities that are not allowed because they might compromise the security and safe use of our Services for other KLUG GROUP LTD users. These restricted activities, and actions we can take if you engage in a restricted activity, will be described in the additional terms and conditions that apply to a particular Service. For example, you can find a list of restricted activities within the Transaction Terms that apply if you use our money transfer service.
6.1 Our Service Fee. Depending on which Services you use, we may charge a service fee (Service Fee) for a particular Service. We will let you know if a Service Fee applies and how much it is before you use the Service, so you can decide whether to continue.
6.2 How you can pay us. We will charge your Payment Instrument for the Service Fee, additional amounts relevant to the Service you are using and which we notify you about in advance and any other fees owed to us which we have notified you about in advance. Payment Instruments must be: a debit or credit card and will tell you the brands we accept in advance (Card Funded Payments), or a bank transfer using the UK “Faster Payments” scheme (Bank Funded Payments).
6.3 Card Funded Payments. If you choose Card Funded Payments, you authorise us to charge your Card Funded Payment method to make a payment to us.
6.4 Bank Funded Payments. If you choose Bank Funded Payments, you must follow the instructions we provide you to make that payment. You can also choose to use either of the following features:
6.5 Taxes. You agree to comply with applicable tax laws when using the Services, including any reporting obligations and paying taxes that become due when you use our Services.
6.6 Consequences for incorrect payments. If you do not follow the above requirements when making a payment to us, we may immediately stop or suspend you from using our Services without notifying you in advance. We may also refund your Bank Funded Payment, however this may not be possible.
6.7 Other fees you may owe us. If we are charged any fees because of an issue relating to your Payment Instrument, you agree to pay us the amount we are charged immediately after we notify you about the fee. These fees could arise because there are not enough funds in your bank account to pay the fees you owe us, or from a “chargeback fee” where a card user makes a claim to their bank that a payment on their card was illegitimate, and the card issuer then brings a claim against KLUG GROUP LTD for being involved.
6.8 No extra fees for the Portal. We will not charge you additional fees for accessing the Portal in a particular way, such as on the Mobile App.
6.9 You’re responsible for Service Provider fees. Your Service Providers may charge you additional fees when you use our Services. For example, some credit card issuers may charge you additional fees and interest because they treat using your credit card for some of our Services as a “cash advance”. You are solely responsible for all fees charged by your Service Providers in connection with your use of our Services.
7.1 Duration of this Agreement. This Agreement starts when you accept the electronic version of this Agreement or begin using the Services (such as when you register for the Services on our website or our Mobile App). In either case, that is the Start Date. This Agreement will continue until it is terminated by you or us. There is no minimum period for how long this Agreement will continue.
7.2 Duration of this Agreement. This Agreement starts when you accept the electronic version of this Agreement or begin using the Services (such as when you register for the Services on our website or our Mobile App). In either case, that is the Start Date. This Agreement will continue until it is terminated by you or us. There is no minimum period for how long this Agreement will continue.
7.3 What happens when this Agreement ends. When this Agreement ends:
7.4 Terms that will still apply. Any sections of this Agreement that are necessary to enforce the purpose of this Agreement after it has ended, will continue to remain in effect after this Agreement ends.
8.1 Changes to our Services. We might offer new services or updates to existing Services, such as maintenance, resolving security threats, new help content, bug fixes, upgrades or other general changes to the Services. We may also require you to update digital content (like our Mobile App), but any updates will match the description we provided you when you initially used it. This Agreement applies to all additional services described in this section, but we may also inform you of additional terms and conditions that will apply when we make those services available.
8.2
General Changes to this Agreement. We may make one of the below General Changesto this Agreement in the future, in order to:
make a change that will either benefit you or will not negatively affect your rights and obligations under this Agreement, correct errors, omissions, inaccuracies or ambiguities, reflect changes to the structure of our business or the KLUG GROUP LTD Group, explain service differences because of new IT or other processes in our business, reflect changes in other KLUG GROUP LTD users’ demands or requirements, reflect changes to law or regulation, make sure we follow standard practices in our industry that improve consumer protections, reflect changes to our agreements with our third party service providers, or reflect legitimate internal cost increases or reductions that we pay when providing a particular Service.
8.3 Material Changes to this Agreement. We also may make a Material Change to this Agreement, which is a change that: may negatively affect your rights and obligations under this Agreement, is required so that we can comply with our legal and/or regulatory requirements, or relates to a new product or service or changes to an existing Service.
8.4 How we will notify you about changes. We will notify you if we make a General Change to this Agreement by posting a new version ofthis Agreement on our website and Mobile App with the date it was updated. We will notify you at least 2 months before we make a Material Change to this Agreement, however this timeframe may be shorter depending on the circumstances. You are considered to have accepted the new version of this Agreement if you continue to use our Services after the new version is posted on our website, or after the Material Change notice period ends.
8.5 If you disagree with any changes. If you do not agree with any change to this Agreement, you can stop using our Services and end this Agreement completely by closingyour Profile and contacting us.
9.1 Our intellectual property. The Services, including the content of our websites, Mobile App, text, graphics, logos and images, and any other KLUG GROUP LTD copyrights, trademarks, logos and product and service names, are owned exclusively by us, a member of the KLUG GROUP LTD Group or one of our partners. We authorise you solely to view and keep a copy of the pages of our website or Mobile App for your personal and non-commercial use.
9.2 Your licence grant. If you use our software when using the Services, then we and our licensors grant you a licence to the software only to use it and the Services consistent with the terms of this Agreement. This licence is personal to you only, limited, non-exclusive, revocable, non-transferable and non-sublicensable. This Agreement does not give you any other rights or licences in or to our intellectual property at any time, whether those intellectual property rights exist now or are created in the future.
9.3
Restrictions when using our intellectual property. When using our Services, you agree not to:
remove or change any author, trademark or other proprietary notice displayed on our website or Mobile App (or printed pages of them), display, use, copy, or modify our intellectual property in a way that is not expressly allowed by this Agreement, or infringe our or a third party’s intellectual property or privacy rights.
9.4 Sharing your Feedback. If you provide us with suggestions, feedback or reviews (Feedback) about the Services, you agree to legally transfer all rights, title and interest in and to Feedback to the KLUG GROUP LTD Group. We can use Feedback without any restrictions, such as for marketing or business purposes. You also agree to provide us with assistance if necessary to make sure the KLUG GROUP LTD Group validly owns Feedback.
10.1 General disclaimer of the Services. We try to make sure the Services are functioning correctly, but we cannot guarantee that they will always be uninterrupted, secure, timely or error-free. We are also not responsible for any viruses or harmful technologies that may affect our website, Mobile App or Services.
10.2 Free digital content. If we provide you digital content (such as our Mobile App) free of any costs, it is provided “as is” without any warranties. We are not responsible for any loss or damage you may suffer from using this free digital content.
10.3 Commercial transactions. Because you should not use our Services for any business-related purposes, we are not responsible for the quality or delivery of any goods or services you purchase using our Services. We are also not responsible for mediating disputes or enforcing any underlying arrangements you have with another person associated with your use of the Services.
10.4 Your use of Service Providers. We do not guarantee and are not responsible for the accuracy, completeness or usefulness of any Service Providers you use with our Services. It is your choice to use any Service Provider, and we cannot guarantee that our Services will be compatible with your Equipment. We strongly encourage you to research your Service Providers before using them with our Services.
10.5 Data security measures. We take measures to protect your personal data, but we cannot guarantee that unauthorised third parties will not be able to defeat those measures and access your personal data. Any personal data you provide us is at your own risk.
10.6 Third party websites and content. Any external links to other websites or a third party’s content available on our website is provided as a convenience and available at your own risk. We do not endorse, control or have any responsibility for the accuracy, completeness, legality or any other aspect of a third party’s website or content.
11.1 What you are responsible for. You are responsible for immediately paying the KLUG GROUP LTD Group for any costs a member incurs that relate to:
11.2 Our general liability to you. If we violate this Agreement or fail to use reasonable skill and care when performing our obligations under it, we are responsible for paying you any foreseeable loss or damage you suffer.
11.3 When we have full responsibility. We have unlimited liability to you under this Agreement if you suffer loss because of death or personal injury which is caused by our acts, omissions or negligence, and our fraud or fraudulent misrepresentation.
11.4
What we are not responsible for. We are not responsible for losses you suffer (including providing you a refund) that are not our fault, or happen because:
we are delayed or unable to perform our obligations under this Agreement because an event occurs that we have no control over, including complying with current laws or regulations or future changes to them, or you send money to someone other than KLUG GROUP LTD when paying for our Services.
11.5 Other rights available to you. You may have additional rights and protections under your agreement with your Payment Instrument provider, or by law (such as potentially holding your credit card issuer responsible for certain losses under section 75 of the Consumer Credit Act 1974). We recommend that you review your agreement with your Payment Instrument provider for information on additional protections.
11.6 No liability for business losses. We only supply our Services and digital content to you for personal and private use. If you use our Services for commercial, business or resale purposes, neither we or our partners (including our and their group companies, officers, agents, partners, contractors and employees) have any liability to you for lost profit, lost business, business interruption or lost business opportunity.
11.7 Defective Paid Digital Content. If you buy digital content from us (Paid Digital Content) and it is defective, we are responsible for the defect and will either repair it, replace it or compensate you, depending on the circumstances. We are also responsible if Paid Digital Content damages another item you own and will either repair the damage or pay you compensation. However, we are not responsible if the damage could have been avoided by following our instructions to install and use Paid Digital Content (such as installing a free update) or following the minimum system requirements.
12.1 If you have a dispute with KLUG GROUP LTD . We hope you enjoy using our Services, but if a dispute arises between you and us, please contact us so we can understand and resolve your concerns. Reach out by email at uk-complaints@KLUG GROUP LTD .com, by telephone, or by post to our registered address using the details here.
12.2 Alternative dispute resolution. If you are not happy with how we handle your complaint, you can contact an alternative dispute resolution provider to try to resolve it without having to go to court. You can submit a complaint to the UK Financial Ombudsman Service (FOS), which is a free and independent service that may be able to settle a complaint between you and us. More information and the FOS’ contact details are found at www.financial-ombudsman.org.uk. If you are not satisfied with the outcome, you can still bring legal proceedings against KLUG GROUP LTD .
12.3 Other places where you can find help. For more information about your legal rights, contact your local Trading Standards Department or Citizens’ Advice Bureau.
12.4 Governing law and where to bring legal proceedings. This Agreement and any dispute or claim connected to it will be governed by English law. You and we both agree that, depending on where you live, either the courts in England and Wales, Northern Ireland or Scotland have exclusive jurisdiction to settle any claims.
13.1 No waiver. If a party delays or does not enforce one of its rights under this Agreement, that is not a waiver of that right and it can still be enforced in the future.For example, if you do not pay us an amount when it is due, but we continue to provide you the Services, we can still require you to pay us in the future.
13.2 No agency. This Agreement does not create a partnership or agency between you and us. You must not enter into any agreements or settlements with a third party that affects our rights or legally binds us in any way, without our prior written consent.
13.3 Severability. If a court or relevant authority decides that any section of this Agreement is unlawful, the remaining sections will remain in full force and effect.
13.4 Assignment. We can transfer our rights and obligations under this Agreement to another organisation, but we will contact you in advance to let you know. If you do not agree with the proposed transfer, you can end your use of the Services and close your Profile by contacting us. You can only transfer your rights and obligations under this Agreement to another person if we expressly agree to this in writing. However, we may not be able to agree to this if it is likely to cause us to violate our legal or regulatory obligations.
13.5 Third party rights. This Agreement is between you and us. Except for the KLUG GROUP LTD Group, no other person or entity has any right to enforce any of its terms.
What these Transaction Terms are for. These Transaction Terms describe how you can use KLUG GROUP LTD to send money outside of the United Kingdom to your friends and family. They apply each time you want to make a money transfer and will end once your money transfer has been completed. These Transaction Terms are agreed in addition to the User Agreement, which you agreed to when you first created your KLUG GROUP LTD account.
Sending money safely. We strongly recommend that you only send money to people you know, and not to strangers. It’s also important that you don’t use our money transfer service on behalf of someone else or allow someone else to send money for you through KLUG GROUP LTD . We also provide our money transfer service for personal use only – this means you shouldn’t use our money transfer service for any business purposes.
Restrictions when sending money. We are required by law to make sure our customers don’t use our money transfer service for illegal, harmful and other inappropriate reasons. We call these “restricted activities” and provide a list in these Transaction Terms. Please read the list carefully to make sure you don’t engage in these activities when using money transfers. If you do, we may take certain actions such as not processing your money transfer or stopping you from using this service.
How to contact us. We hope you enjoy using KLUG GROUP LTD , but if you want to stop using our services at any time, you can contact us to close your account. If you have questions or complaints about KLUG GROUP LTD or our services, go into our online Help Center or email us at uk-complaints@KLUG GROUP LTD .com and we’ll be happy to help you.
1.1 About us. Hello. We’re KLUG GROUP LTD U.K., Ltd., also referred to as KLUG GROUP LTD , we, us and our in these Terms, and are a company registered in England and Wales with company registration number 12945699. We also refer to KLUG GROUP LTD Group in these Terms, which means KLUG GROUP LTD and other companies within our group.
1.2 About you. When we say you or your in these Terms, that means you as a user of our money transfer service. You must live in the United Kingdom (UK) in order to use this service.
1.3
About these Transaction Terms. These Transaction Terms (also called the Terms ) describe the terms and conditions for how we provide and how you can use our digital remittance service to send money from the UK to individuals located in certain other countries and regions where we operate (Money Transfers). Please read these Terms and make sure you are happy to agree to it before you use Money Transfers. Once you accept the electronic version of these Terms, these Terms become legally binding on you. Do not use Money Transfers if you cannot agree to something in these Terms. If you don’t understand something or want more information, please take a look at the information on our website or Mobile Application or contact us.
You can download a PDF version of these Terms at the top of this page, if you want a copy to refer to in the future.
1.4 Defined terms. Capitalised words in these Terms have a specific meaning. Their definition is explained in these Terms and the defined term will show in bold.
1.5 How long these Terms last. These Terms start when you accept the electronic version of these Terms and begin using Money Transfers (such as when you click “Send Money” or “Pay” when submitting a Transaction). These Terms will end when your Transaction (as defined below) is completed.
1.6 Updates to these Terms. If you use Money Transfers again in the future, another version of these Terms may apply to you. We will try to notify you of any changes, but please take the time to read the version of the Terms available at that time to make sure you know about any changes.
1.7 Where to find other important information. We recommend that you read our Key Service Information page (KSI) for more information about Money Transfers. The KSI is not part of these Terms. It only provides helpful information you should read before accepting these Terms to make sure you are happy with how we provide Money Transfers, your rights when sending money and your rights as a KLUG GROUP LTD customer (such as how to cancel or stop using our services).
1.8 How to contact us. You can contact us with questions or request a refund in any of these ways:
2.1 Other agreements that apply to you. You previously agreed to our User Agreement when you first created your KLUG GROUP LTD Profile (as defined below). The terms and conditions in that User Agreement also apply to your use of Money Transfers in addition to the terms contained in these Terms. If you want to participate in our referral programme, additional terms and conditions will also apply to you and are part of these Terms.
2.2 Your KLUG GROUP LTD account. You will have created a KLUG GROUP LTD profile where we will store certain information about you to allow you to use Money Transfers (your Profile). You can then access your personalised portal on our website or Mobile App (the Portal) where you can make Money Transfers. Please be aware that the Portal is a tool that you can send money through and is not an account (such as a bank or payment account). You will not be able to store any form of money or funds (like e-money) on the Portal.
2.3 Your Payment Instrument. A Payment Instrument can be your bank account, credit or debit card, or mobile application to make payments in order to use Money Transfers. You must allow us access to the Payment Instrument that you want to use for Money Transfers and have provided details for on your Profile.
2.4 Your Money Transfers history. You can view details of current and completed Transactions and other information about your historical use of Money Transfers by logging into your Profile.
3.1 Where you can use Money Transfers. All countries and regions to which you can make Money Transfers are listed on our website and mobile application (our Mobile App). We recommend that you make Money Transfers to your friends and family only and think carefully before sending money to strangers. It is also very important that you do not make a Money Transfer on behalf of someone else, or for any commercial purposes (such as buying an item or a service from a business) or to donate to a charitable organisation.
3.2 The Money Transfer process. When you make a Money Transfer, you are the Senderand are sending money to a Recipient. You will pay us the amount you want to send to the Recipient (the Transfer Amount) plus any Service Fee we charge you (as defined further below). Your request to us to disburse the Transfer Amount to the Recipient is the Transaction. The amount that is paid out to the Recipient is the Payout, which is equivalent to the Transfer Amount in the currency you selected for the Recipient.
3.3 Trusted Recipients. We will store information you provide us about a Recipient to allow you to easily make Transactions to that Recipient in the future, and join your list of trusted Recipients. You must not make a Money Transfer to a Recipient who does something (or fails to do something) that would violate a material part of these Terms.
3.4 How to start a Transaction. In order to initiate a Transaction, at the Transaction summary stage you must click”Send Money” or “Pay”.
3.5 Accepting your Transaction. Because Transactions are a request from you to us to process a Money Transfer, we can accept or reject a Transaction for any reason. However, we generally only reject a Transaction for a good reason, such as if you violate your obligations under these Terms. A Transaction is considered valid if you provide us with all current, accurate and complete information we request about yourself, your use of Money Transfers and have paid us correct amounts and fees for the Money Transfer. If you provide incorrect information, we are not responsible for any losses caused by the incorrect information.
3.6 Processing the Transaction. We will process valid Transactions on a Business Day as soon as possible. A Business Day is any day (except for Saturday, Sunday and holidays) when banks in the United Kingdom are open to the public for business. We will try to inform you of when the Transaction should be completed (which may be within hours of us receiving a Transaction, and is usually no later than the end of the following Business Day). You authorise us to charge your Payment Instrument to process the Transaction, which you can revoke at any time by removing the Payment Instrument from your Profile. If the payment initially fails, you authorise us to try one or more times using the same Payment Instrument.
3.7 What your Recipient may need to do. Recipients may need to prove their identities to the Financial Institution before they can receive a Payout. They can do this by showing valid identification and the reference number or other identifier for the Transaction, however this will depend on what the Recipient’s Financial Institution needs. We will try to notify you about what information the Recipient will need to provide through our Services.
3.8 When a Transaction is considered complete. Your Recipient may need to complete identity checks with their local bank or other third party outlet (a Financial Institution), before they can claim their Payout. Once a Financial Institution receives the Payout, they are usually required to make it available to the Recipient immediately once they are open for business. Depending on how you want your Recipient to receive the Payout, a Transaction is considered complete once the following happens:
3.9 How to cancel a Transaction. You can cancel a Transaction at any time before it is completed by contacting usand providing us with information to help us identify the Transaction you want to cancel (such as the Transfer Amount and location of the Recipient). If the Transaction has not been completed, we will try to refund you the Transfer Amount and Service Fee for the Transaction within 3 Business Days of your request to cancel. However, a refund may take longer depending on the processing times of banks and other parties involved in the refund process. Please be aware that we may need to first confirm with the Financial Institution that the Transaction was not completed before we can provide you a refund, and you will not receive a refund if a Transaction has already been completed.
3.10 How you will receive a refund. All refunds will be credited to the same Payment Instrument used to pay for the Transaction and in the same currency you paid us. Refunds will not be adjusted if there was a change in the value of the currency from the time you submitted the Transaction. If your Payment Instrument is no longer valid and we are unable to find a mutually acceptable solution to refund you, we will not be required to refund you.
4.1 Restricted Activities. When using Money Transfers, there are certain activities that are not allowed because they might compromise the security and safe use of Money Transfers for other KLUG GROUP LTD users. These are called Restricted Activities which you must not engage in, and are listed below:
4.2 Consequences for Restricted Activities. If we suspect you have or are about to engage in a Restricted Activity or used Money Transfers in an unauthorised or fraudulent way, or if we believe that the security of your use of Money Transfers may be compromised, we can take any of the following actions:
4.3 Notifying you in advance. We will usually tell you in advance if we need to take any actions described above. However, we may need to act without notifying you first if there is a security concern or if it would be considered “tipping-off” under law. We will lift restrictions on your use of Money Transfers or allow you to re-register for them as soon as possible after the reasons for placing the restrictions no longer apply.
4.4 Your right to complain. If we do take any actions listed above, you always have the right to complain about our decisions. You can do this informally by contacting us, or by making a claim against us as described in your User Agreement.
5.1 Currency conversion and exchange rates. We provide Money Transfers in certain currencies. If the currency you choose when submitting a Transaction is different to the Recipient’s currency, an exchange rate is applied to the Transaction and includes a small margin, which we keep. Our website and/or Mobile App will describe what currency is available to your Recipient and what exchange rate will apply, which you can check and agree to before you submit a Transaction. You will also be notified about this in the Transaction confirmation notice.
5.2 Information about Financial Institutions. We try to provide current information on our website about the location, availability and hours of Financial Institutions. However, this information might be inaccurate, incomplete or out of date if a Financial Institution changed it without us knowing. We are not responsible for inaccurate or incomplete information posted on our website.
5.3 Additional rules for EEA Transactions. There are special rules that apply to Money Transfers to Recipients in the European Economic Area (the EEA) in Euro currency, which are:
5.4 Our rights to limit Money Transfers. We may refuse to process a Transaction if we believe it is necessary to protect you or us, or if we are required to do so by law or regulatory requirements. We may also create new practices and limitations for Money Transfers, such as limiting the total amount of a Transfer Amount, either for all KLUG GROUP LTD users or for a specific Profile. We will decide whether to implement any limits by assessing factors such as:
5.5 How we protect your money. KLUG GROUP LTD isn’t a bank, it’s a digital financial services provider. To help send your money safely and quickly around the world, KLUG GROUP LTD works with trusted partners and is regulated by the Financial Conduct Authority (FCA) for UK customers. This means that, while your money is not covered by the Financial Services Compensation Scheme (FSCS), we’re required to protect it at all times. We protect your money by following safeguarding rules — so even in the unlikely event of KLUG GROUP LTD becoming insolvent, or if we stop trading, you will get your money back. We maintain a banking instrument given by JPMorgan Chase Bank N.A., acting through its London Branch, to ensure your money is returned to you in the unlikely event that we become insolvent.
6.1 If you give us incorrect information. If you do not provide us with correct, accurate and complete information as described above:
6.2
Tell us if there’s a problem with a Transaction. If you think a Transaction is unauthorised or was executed incorrectly, you must tell us within 13 months of the date we notified you that the Payout was available for the Recipient. If you do not notify us within this timeframe, we may not be able to assist you or issue a refund. When you contact us about this issue, please provide us with:
your name and email address, a description of the problem with the Transaction and why you think it is a problem, the name of your Recipient and, if you know, their telephone number or address, the Transaction amount, and the reference number for the Transaction which is on the receipt we provided you when we processed the Transaction.
6.3 Correcting errors with Transactions. We will review this information within 90 days of receiving it and decide whether an error occurred. If we decide an error happened, we will quickly fix it and inform you of the results within 3 Business Days. If your concern is about an unauthorised Transaction, then we will investigate it and, if necessary, issue you a refund as soon as we can. If we decide there was no error, we will send you a written explanation. You can ask us for copies of the documents we used in our investigation.
6.4 Refunds for unauthorised Transactions. If an unauthorised Transaction is made because of our mistake, we will refund you the Transfer Amount and Service Fee. However, this refund is not available if you:
6.5 What we are not responsible for. We are not responsible for losses you suffer (including providing you a refund) that are not our fault, or happen because of an issue with our disbursement partner that provides the Payout to your Recipient, or we cannot process a Transaction because you provided us with incorrect information.
6.6
Why a Transaction might be delayed. A Transaction might not be completed if:
you do not have enough cleared funds, which means funds that are not pending, are available for use with no restrictions from your Payment Instrument and are settled via the applicable payment network scheme,
we need to verify your identity, find out more about your use of our Services, carry out fraud checks, validate your Payment Instrument, or it is necessary to comply with laws and manage our financial risk. We will not continue with a Transaction until we are comfortable that these matters have been completed, or a Financial Institution needs to complete their own customer identity checks on the Recipient.
6.7 What happens to uncollected Payouts. We will cancel cash collection Payouts if they are not validly collected by the Recipient within 60 days of when they became available. If it is possible, we will refund the Transfer Amount to the Payment Instrument you used for the Transaction, however our payment processing partners may require additional conditions to do so.
6.8 Tracing a Transaction. If you sent money to a Recipient in the EEA and need to track the Transaction, you can request us to trace it and we will update you on the Transaction status. Additionally, if a Recipient receives a Payout later than expected, contact us and we can request information from the Recipient’s Financial Institution to correct the Transaction.
7.1 Our Service Fee. We will charge you an additional fee (our Service Fee) for the Transaction unless we notify you that it will not apply. We will tell you how much the Service Fee is before you consent to us executing the Transaction, so you can decide if you want to continue with the Transaction or not. If you agree, you will need to pay the Service Fee plus the Transfer Amount once you submit the Transaction.
7.2 How you can pay us. We will charge your Payment Instrument for the Transfer Amount plus the Service Fee when you submit a Transaction to us.
7.3 Consequences for incorrect payments**. If you have provided us with incorrect information about your Payment Instrument, or if there are not enough funds to collect the full amount of the Transfer Amount plus the Service Fee, we may do any of the following without notifying you in advance:
8.1 Terms that will still apply. Any sections of these Terms that are necessary to enforce the purpose of these Terms after they have ended, will continue to remain in effect after these Terms end.
8.2 Governing law and where to bring legal proceedings. These Terms and any dispute or claim connected to it will be governed by English law. You and we both agree that, depending on where you live, either the courts in England and Wales, Northern Ireland or Scotland have exclusive jurisdiction to settle any claims.
below-listed parties hereby enter into this money transfer agreement and agree to enforce and uphold its terms and conditions so long as it remains in effect.
Ousman Secka on behalf of KLUG GROUP LTD
Signature
Osecka
This privacy notice (“Privacy Notice”) explains how we process your personal data (“Personal Data”) while you use our services, including when you browse our website or mobile application (“Website /App”), perform a transaction with us, or visit our stores (collectively, “Services”) , whether as a customer, a visitor and/or a user of our Website/App, or however you might otherwise interact with us (collectively, “you”, “your” or “users”). In this Privacy Notice, we also describe whether your Personal Data is shared with other parties and the mechanisms we have in place to protect your data.
We encourage you to regularly review this Privacy Notice and check the Website/App for any updates. Updates to this Privacy Notice will be published on our Website/App, and by continuing to deal with us, you agree to this Privacy Notice and any future modifications.
How can I contact the company regarding my Data? To make a request or consultation, you may:
Who are we?
We are Money Gogo, a part of KLUG group ltd.
What type of Personal Data is collected?
We collect only the Personal Data necessary to provide you with the Service and to comply with applicable law.
Why does Money Gogo collect Personal Data?
We collect Personal Data for specific contractual and legal purposes. With your consent, we also collect data for additional purposes.
How long does Ria keep Personal Data?
We keep Personal Data only for as long as necessary or as required by applicable law.
With whom do we share Personal Data?
We share Personal Data with other Klug Group ltd , legal authorities, and partners where necessary to meet regulatory requirements or contractual commitments.
Where does Money gogo store Personal Data?
We store Personal Data in secure locations with strict security measures in place. If we need to transfer Personal Data to other locations, we take all necessary measures to comply with legal obligations and ensure a proper level of security.
What are your Personal Data rights?
Depending on where you live, you may have rights in relation to your Personal Data under applicable law.
The categories, sources, and reason for collecting Personal Data are listed below. Where the collection of Personal Data is based on your consent, you may withdraw your consent at any time. Money Gogo does not and will not “sell” or “share” Personal Data, as those terms are defined under applicable laws. We retain Personal Data for as long as reasonably necessary to provide the Services and meet our legal obligations.
If you have questions or concerns regarding the processing of your Personal Data, you may contact us any time at info@moneygogo.co.uk
The Personal Data we collect from you may include name, email, telephone and/or fax numbers, residential and/or business address and other contact data (“Contact details”), title, date of birth, gender, images, videos, or signature.
Where necessary, Identification data is only used for the described purposes.
Purpose for Processing Legal Basis
To perform/supply the Services.
To provide customer service and record customers’ instructions, we will monitor and record (via automated means or transcripts) our telephone calls, emails, and chat conversations with you. We will use transcripts of these calls to confirm the instructions provided to us.
Legitimate interest
To manage your account(s) (i.e.: registration, administration, maintenance and servicing accounts).
Pre-contractual/Contractual obligation
To provide advertising and marketing.
Consent
Contractual obligation
To measure and evaluate your behaviour using automated processing to provide you with a more personalized Service.
Consent
Your participation in events or giveaways: You may wish to take part in events organized by us or in a specific giveaway.
Consent
To meet our legal obligations related to record keeping we keep correspondence including e-mails, faxes, and any kind of electronic communication, together with any records of the customer’s account. We also keep customer service letters and other communications between us and any KLUG GROUP LTD as well as our partners and suppliers.
In very limited circumstances, to perform a credit check in order to verify the identity of the individual as part of KYC activities to provide the Services.
We collect your personal financial data when you register to use our Services. We collect financial data such as bank account information, financial statements, transfer reason, occupation (professional or employment-related information), or other documentation to demonstrate the source of funds you wish to transfer (similar to salary slips), in order to provide you with our Services.
Money Gogo will never ask you to provide your payment information (i.e., credit/debit card details) directly to an employee or agent. Where payment information is required, Money Gogo will ask the customer to enter the information directly into the payment processing system.
If you have any questions about Moneygogo’s processing of your financial information, you may contact us here.
IP address, internet or other similar network, browsing, or search activity, behavioural information (to understand the way you behave while using our products and services), browser type and version, time zone setting, screen resolution settings, browser plug-in types and versions, operating system, and platform.
Purpose for Processing Legal Basis
To perform analytics to measure the use of our website and Services, including number of visits, average time spent on the Website/App, pages viewed, page interaction data (such as scrolling, clicks, and mouse-hovers), etc., and to improve the content we offer to you.
To undertake activities to verify or maintain the quality of the Service, and to improve, upgrade, or enhance the Service, including to administer the Website/App and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
To help ensure the safety and security of our Website/App.
Consent
To provide advertising and marketing, including measuring the impact of our emails.
Consent
To provide the Services, including to process the transaction.
We may collect information about your location when you use our Services.
To provide the Services to our customers with a tailored experience on the App related to their location, such as displaying the local currency in the relevant location.
Consent
Legal obligation
To provide the Service, including using device Location to identify nearby locations for pick-up and drop-off
Consent
Image, video, and audio/voice recording.
Purpose for Processing Legal Basis
To maintain the safety of our Services, we may use CCTV to ensure customer safety in our stores or offices.
Legitimate interest
We collect personal data like the beneficiary details, bank account information, contact information, the destination where you are sending money and bank preferences. Depending on the local regulation, we collect details such as occupation (professional or employment-related information), relationship with the beneficiary, transfer reason and additional documentation to demonstrate the source of funds.
Purpose for Processing Legal Basis
To provide the Services, including to complete a transaction.
Contractual obligation
For compliance purposes related to a transaction.
Legal obligation
When strictly necessary, we may collect sensitive or special categories of Personal Data (“Sensitive Personal Data”) to provide the Services and meet our legal obligations. We may collect the following categories of Sensitive Personal Data: unique identifying biometric information or identifiers (i.e., face scan geometry and derived information); government identifiers (i.e., driver’s license, state identification card, or passport number); health information. Where required by applicable law, we will obtain your consent or present you with an opportunity to opt out before processing your Sensitive Personal Data. We do not “sell” or “share” Sensitive Personal Data, as those terms are defined under applicable law. We only use and disclose Sensitive Personal Data for purposes permitted by applicable law. We retain Sensitive Personal Data for as long as reasonably necessary to provide the Services and meet our legal obligations.
Purpose for Processing Sensitive Personal Data Legal Basis
To fulfill legal obligations, including for KYC purposes.
Legal obligation
Public interest
For security and fraud prevention purposes to verify your identification while you use our Services.
For additional data information, click here.
Legal obligation for jurisdictions such as the European Union.
Consent for jurisdictions where consent is required.
The Personal Data collected from you may vary depending on the country our Services are being offered. Not all the categories of data described above may apply to you. If you have any questions about the processing of your Personal Data, you may contact us at dpo@euronetworldwide.com
Whenever possible, we use data where you cannot be directly identified (such as anonymous demographic and usage data) rather than Personal Data (“non-identifiable data”). This non-identifiable data may be used to improve our internal processes or delivery of services, without further notice to you.
We may use aggregate data for a variety of purposes, including to analyze, evaluate and improve our Services.
When using the app and to enhance the use, functionalities and your experience while you use our App we might need access to certain extra information and functions of your device, like your contact list. Before accessing such information, we will ask for your permission. Any data obtained by utilizing these device features will be stored only on your device, never on our server or elsewhere.
You can choose to add your contacts’ information by connecting your contacts from your device or social networking accounts to our App. If you choose to share your contacts with us, we will, in accordance with your instructions, access and store your contacts’ information in our App in order to make it easier to send money to your loved ones. Learn more about how we collect information about your contacts, how we use that information, and the controls available to you.
When you allow the App to access your device’s address book, the App will upload their names and phones numbers to your contact list within the App. This way, once you are selecting a beneficiary, you will be able to select someone from your contact list without the need of having to include all their information digit by digit.
As mentioned above, we will only access your device’s contact list as long as you give us express consent. You may give us access during the registration process or at any point after your account has been created in the settings option.
If after allowing the App to access your contact list, you change your opinion, you will always be able to remove your contact list from the App. Remember that the imported list of your contact details will never leave your phone and we will never store a copy of that data in our servers.
When you allow the App to access your device’s address book, the App will upload their names and phones numbers to your contact list within the App. This way, once you are selecting a beneficiary, you will be able to select someone from your contact list without the need of having to include all their information digit by digit.
This process and information help us identify suspicious activities. It will also allow us to provide you with a better Service.
The selfie, video recording (if requested) and the derived data such as the face scan template may be considered biometric data or biometric information by the local legislation in the jurisdiction in which we operate. Depending on the country you live in, we may ask you to consent to providing us with your biometric data. If you refuse to consent to the collection of your biometric information please reach our customer care team so they can support the identity verification process via an alternative method. You will find the contact information here.
We share the biometric information with our service providers under contractual obligations. Neither Money Gogo nor our service providers sell, lease, or trade your biometric information. All providers with access to this data are contractually bound to maintain security standards to ensure your Biometric information is safe and that the service provider will not use the data for any other purpose. This includes preventing unauthorized parties from accessing such data.
Subject to the applicable privacy legislation, your data privacy rights relating to your personal data also extend to biometric data, including the right to access the data. Please see section “What are my rights” in this Privacy Notice for a listing of your data privacy rights.
If You have any questions regarding our e-KYC process and the usage of your Biometrics do not hesitate to reach us at dpo@euronetworldwide.com.
If you are using our Services in any of our shops, the KYC process will be different and the agent or any of our staff will make sure the ID you provide matches your identity.
When using our signature pads at our shops or at any agent’s location, we will only collect the image of your signature as reflected on the signature pad, and no biometric data will be collected from you.
If you are a beneficiary, we collect your Personal Data from our customers as you are essential for the performance of a contract between Ria and our customer. You are the subject that will benefit from the payment transaction originated by our customer.
The types of Personal Data we may obtain about you are as follows:
The Personal Data of a beneficiary is only processed to ensure the correct remittance service is identified and is not used for any other purposes. The same security measures are implemented to protect the Personal Data of both beneficiaries and customers.
If you have any questions about the processing of your Personal Data as a beneficiary, you may contact us at dpo@euronetworldwide.com.
We may obtain your Personal Data from other sources, such as public record sources (federal, state or local government organizations) in order to comply with local regulation and to ensure our KYC mechanism is accurate and that we can provide you the safest service.
Identification purposes:
We may check the Personal Data you have provided us with our third parties to make sure your identity matches the information you have provided us. The legal basis for this processing is our legal obligation and legitimate interest.
If we process any additional data obtained from a third party, we will inform you as soon as possible, and obtain your consent where required by applicable law.
We are committed to keeping your Personal Data accurate and up to date. We take reasonable steps to ensure the accuracy of your Personal Data by ensuring that the latest Personal Data we have received is accurately recorded and when considered necessary, we run periodic checks and request that you update your Personal Data. From time to time, we may send you an email asking you to confirm and/or update your Personal Data. This communication is based on our legitimate interest and legal obligation to maintain accurate and up to date information.
If you notice that your Personal Data is not accurate, you may request a correction or update your information by sending an email to dpo@euronetworldwide.com.
One of the primary purposes of machine learning usage within Ria is to support the digital e-KYC verification process required by anti-money laundering legislation.
The biometric information uploaded by you is analyzed to provide a recommendation on whether the individual wishing to register for Ria Services is the same individual shown in the identification documentation. The technology scans the images, translates them into computer language, i.e.: templates, and compares them against each other and against a database of other images. The technology approves or rejects the images as being of the same person.
Money Gogo has also developed its own machine learning models to support its overall regulatory compliance efforts such as identifying instances of transactional fraud. This analysis is to ensure we can provide you with the solicited Services and to comply with our legal requirements, in order to prevent money laundering and terrorism financing.
The process includes analysing transactional data and assigning values to specific information. These values are then aggregated and passed to the machine learning model to infer whether the transaction is likely to be fraud.
All the information obtained through our machine learning process will only be used for the purposes described herein and will never be used for any other purposes nor will it affect your rights and freedoms.
For more information on KLUG gogo use of machine learning technology please contact money gogog DPO at info@moneygogo.co.uk.
When we use your Personal Data to pursue our legitimate interests, we will make every effort to match our interests with yours so that your Personal Data will only be used as permitted by relevant law, or when it will not adversely affect your rights. Upon request, customers may request information on any processing based on legitimate interest.
Personal Data is kept for as long as it is necessary to provide the Services requested and to comply with applicable legal, accounting, or reporting obligations. The retention period is determined based on the applicable requirements and obligations, which may include:
Legal and Regulatory Requirements: Your Personal Data is kept as long as necessary to comply with all our legal obligations including without limitation, commercial, tax and anti-money laundering laws and regulations. While we store your Personal Data only for the purposes of complying with legal obligations, your Personal Data will be restricted such that it cannot be used for any other purposes. While restricted, only when necessary will your Personal Data be accessed. Whenever we receive a request for deletion, we will also maintain your Personal Data further to our legal obligations.
Customer Service and Contractual relationship (administration of customer relationship, complaint handling, etc.): We will keep your Personal Data as long as you remain our customer. Once we consider our contractual relationship to be over, we will proceed to restrict your data to make it available only to comply with legal obligations as expressed above.
Marketing: We will process your Personal Data for marketing purposes as long as you haven’t asked us to opt-out or until we become aware that you are no longer interested or that your data is not accurate.
Money gogo ’s disclosure of Personal Data for business purposes or to meet legal obligations are outlined below:
Types of Personal Data Purpose Legal Basis
Identification Data
Video surveillance
Transactional Data
Financial Details
Behavioral and technical Data
We disclose your Personal Data with KLUG Group affiliates for our affiliates’ everyday business purposes and compliance with group obligations.
As a result of a sale, Money Gogo , a company within the KLUG Group, or any of their respective assets, we may transfer customer Personal Data to a third party. In doing so, we will take reasonable steps to ensure that their information is adequately protected.
Legal obligation
Contractual obligation
Types of Personal Data Purpose Legal Basis
Identification Data
Biometric Data
Financial details
To data analytics and ID verification providers to perform compliance verification (e-KYC) and fraud prevention services.
Legal Obligation
Consent
Contact Details
Transactional data
To our agents and correspondents to provide the Services.
Legitimate interest
Legal obligation
Consent
Contact details
Behavioral and technical Data
To advertisers or advertising networks and social media companies to place personalize placed advertisements in digital services and to adapt to consumer preferences.
Consent
Contractual
Obligation
*The legal meaning and list of “third-party service providers” may vary depending on the country you are based. For additional information regarding which providers have access and why they have access to your Personal Data you may reach us at info@moneygogo.co.uk.
Types of Personal Data Purpose Legal Basis
Identification Data
Video surveillance
Transactional Data
Financial Details
We may need to disclose your Personal Data (including Sensitive Personal Data, as described above) if requested by a legal authority. We may share your Personal Data with legal authorities to enforce or apply our Terms and Conditions or any other agreement or understanding we may have with you.
Legal obligation
Contractual obligation
Types of Personal Data Purpose Legal Basis
Identification Data
Transactional Data
Financial Details
We will share your Personal Data when necessary with strategic partners in order to provide you with our Services.
Legal obligation
Types of Personal Data Purpose Legal Basis
Identification Data
Video surveillance
Transactional Data
Financial Details
We will share your Personal Data with advisers, lawyers, consultants, auditors, or accountants in order to comply with our legal obligations and to provide our Services and our contractual obligations and best practices.
Legitimate interest
We do not provide Services directly to children under 18 or proactively collect their personal information. If you are under 18, please do not use the Website/App or Offerings or share Personal Data with us. If you learn that anyone younger than 18 has unlawfully provided us Personal Data, please contact us at dpo@euronetworldwide.com.
We are committed to protecting your Personal Data and have put in place commercially reasonable and appropriate safeguards to prevent any loss, abuse, and alteration of the information you have entrusted us. At Ria, we will always strive to ensure your Personal Data is well protected, in accordance with international best practices. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal information.
To safeguard our systems from illegal access we use secure, cutting-edge physical and organizational security measures which are continuously enhanced to ensure the highest level of security in accordance with international best practices and cost efficiency. All Personal Data is kept in a secure location protected by firewalls and other sophisticated security mechanisms with limited administrative access.
Personnel who have access to your Personal Data as well as the processing activities surrounding your Personal Data are contractually bound to keep your data private and adhere to the Privacy Policy we have implemented in our organization.
We aim to achieve the highest standard of data protection by adopting industry-standard measures to protect your privacy.
When expressly agreed, we provide you with tailored information regarding our products and Services. We undertake data analysis in order to target appropriate communications and advertisements to you including invitations to exclusive client events that we think you may be interested in as well as recommending products and services that we think might be suitable for you.
In some cases, we use automated decision-making and profiling if it is authorized by legislation and necessary for the performance of a contract. For example, the automated authorization for remittance services. The legal basis to proceed with the profiling and the automated decision-making is legitimate interest.
We also make automated decisions in processes such as transaction monitoring in order to counter fraud in compliance with the legal requirements related to prevention of money laundering terrorist financing and financial services. Depending on your residence, you may have a right to request not to be subject to a fully automated decision-making, including profiling, if such decision-making has legal effects or similarly significantly affects you. This right may not apply if the decision-making is necessary in order to enter into or to fulfil an agreement with you if the decision-making is permitted under applicable data protection laws or we have received your explicit consent.
Third-party advertisers provide advertisements that display on our website, our App, or elsewhere in our services. Third-party advertisers don’t have access to any of the information our customers have given us directly. Typically, advertisers rely on cookies or some other web/app-based mechanism to assess which advertisements may be interesting to you. We do not place “Targeting Cookies” or enable “Targeting” and “Location” on your system without your consent.
If you have provided your consent by accepting Targeting Cookies on the Website or enabled Targeting on the App, we may use third parties to do so (remarketing and Similar Audience features). You can opt-out of advertising by modifying your cookies settings here.
Third parties are not bound by our Privacy Notice. To understand the privacy policy of their notices, you should visit the third party website. You can find all the third parties that may use Cookies for targeting in our Cookie Policy.
We may contact you from time to time (by email, SMS text, letter, or phone as necessary and according to your specific instructions) and when you have provided us with your consent to provide targeted marketing about our Services and/or our products.
Depending on the country you are based in, you will receive marketing communications if you have authorized us to process your Personal Data for those purposes. That means you have opted-in during the registration process or at any time in the settings section of your profile.
We may also send you electronic communications for marketing purposes when you have a contractual obligation with us, meaning when you are currently using our Services or when you haven’t expressly requested to not receive said marketing communications.
You will always be informed and we will make sure that during the usage of our Services or even during the registration process, you have all the necessary information in order for you to be aware that your Personal Data may be used for that specific purpose and you will, during the registration process or during the usage of our Services be given the opportunity to expressly say that you are not interested in receiving such marketing communications. In these instances, we will remove you from our list and you will not receive any updates that may be of your interest regarding our Services and products. You will be able to opt-back in at any time.
You will be able to withdraw your consent at any time by using one of the following mechanisms:
If you have decided to enroll in our Money Gogo Rewards Program (where available) we will process your personal information according to the following:
This may include name, title, residential and/or business address, email, telephone and/or fax numbers and other contact data, date of birth, gender, images, signature, passport/visa details, voice recording and official credentials.
We will only use strictly necessary Identification Data for the purposes described below.
The reason to process your Personal Data Legal basis for using your Personal Data
Supply of Services.
Contractual obligation
Customer service: We will monitor and record (via automated means or transcripts) our telephone calls, emails, and chat conversations with our customers. We will use transcripts of these calls to confirm instructions you provide us.
Contractual obligation
Legitimate interest
Managing our customers’ accounts (registration and administration).
Pre-contractual/Contractual obligation
Requesting access to tools and information: Our customers may wish to have access to certain tools and information made available on the App, before or after deciding that they would like to register to use our services, including our foreign exchange and payment service.
Pre-contractual/ Contractual obligation
Correspondence including e-mails, faxes, and any kind of electronic communication, together with any records of their account. We also keep customer service letters and other communications between us and any KLUG Group company as well as our partners and suppliers.
Legitimate interest
Contractual obligation
We collect Personal Data such as the amount of money you have sent and the location where you have sent money in order to provide you with your corresponding points for the Ria Rewards Program.
The reason to process your Personal Data Legal basis for using your Personal Data
To provide you with the corresponding points
You may contact Ria Rewards Program to withdraw from the Rewards Program, to report suspicious or unauthorized account activity, or to change or correct your personal choice.
You may contact Money Rewards Program by calling our free number 0800 560 8330 during regular business hours or by email at info@moneygogog.co.uk. Calls are free of charge from fixed and landline phones. However, charges when calling from a mobile phone may apply depending on your mobile phone operator.
We will keep you updated the moment Money Gogo Rewards is available in your country.
Depending on where you live, your Personal Data Rights under applicable law may include:
For applicable rights please refer to the Regional Privacy Notice section below.
o exercise any of your rights, you must send an email to info@moneygogo.co.uk. To help protect your privacy and maintain security we will take necessary steps to verify your identity and may ask you to provide other details before granting you access to your Personal Data or initiating a modification of any Personal Data. When required, if we don’t have a copy of your ID or any legal valid document that proves your identity, we will not be able to answer your request.
Be aware that some rights may not be enforceable due to business necessities or legal obligations while providing you with the Service. Your rights may be limited in order to comply with other legal obligations such as anti-money laundering, contractual and compliance obligations. Notwithstanding that you will always be responded to when exercising any of the rights stated above and/or any additional right you may have depending on your jurisdiction. If your right can’t be enforced, you will always receive a proper explanation.
If you have a complaint regarding our processing of your Personal Data, you may contact us at info@moneygogo.co.uk.
Depending on the applicable privacy law, you may have the right to make a complaint to a Data Protection Authority or other regulatory body if you believe we have failed to comply with our obligations under this Privacy Notice or the applicable law:
UK: Information Commissioner Officer (ICO)
In accordance with the UK General data protection Regulation (UK GDPR) and the Data Protection Act 2018, all resident of the UK may exercise the following rights:
We will respond to you no later than 20 days from the date we receive your request, and it will be effective no later than 15 business days after we notify you our response.
You may exercise your right to data portability and the right to not be subjected to automated decision-making producing legal effects such as profiling, if such profiling is not necessary to provide you with any of our Services.
From the day we receive your request, we will respond to you within a maximum time of 30 days.
The controller is Ria represented by the companies below, depending on country and service:
Country Company to contact (controller) Contact details
United Kingdom
You can always submit a request to our Data Protection Officer, by sending an email to the following address info@moneygogo.co.uk.