Our Privacy Policy

This website is operated and provided by Royal Ark Foreign Exchange Bureau LTD (UK) Limited ("Royal Ark Foreign Exchange Bureau LTD", "we", "us", "our") having its registered office at) and, if you reside in a country where we provide our services to You and are a user of our website XXXXXXXX(“our site”) and/or of our mobile application (the “Mobile App”), we are a data controller for the purpose of Data Protection Legislation (as defined below). In this Privacy Policy, references to "You" and "Your" are references to a user of our website and/or of our Mobile App.

Introduction

We are committed to protecting and respecting Your privacy and handling Your information in an open and transparent manner.

This policy ("Privacy Policy") explains what information we collect from You, or You provide to us, what we will use it for and with whom we share that information. The Privacy Policy also sets out Your rights and who You can contact for more information. Please read the following carefully to understand our views and practices regarding Your personal data and how we will treat it.

In this Privacy Policy, Your information is sometimes called "personal data". We may also sometimes collectively refer to handling, collecting, protecting and storing Your personal data as "processing" such personal data.

In this Privacy Policy the term "Data Protection Legislation" means the EU General Data Protection Regulation 2016/679; together with all other applicable legislation relating to privacy or data protection.

What information we collect about You

Like most companies, we collect various types of data about our customers. Some of it may be considered personal data, which means data that makes you identifiable as an individual.

As a regulated financial institution, we are bound by the legal requirement to collect, verify and record certain data about you or recipients of your transactions. All types of data we gather may be used to prevent or detect crime.

We may collect and use the following data:
Basic personal data, such as (but not limited to):

• Date of birth
• Address
• Phone number
• E-mail address

This data is necessary for Royal Ark Foreign Exchange Bureau LTD to provide the Service to you. We will request this data when you sign up, before the Service is provided.

Data for ‘Know Your Customer’ (KYC) regulations, such as (but not limited to):

• Proof of your identity, like a passport, driving      licence, national ID card or residence permit
• Proof of your address, like a utility bill or      bank statement
• Additional details on the source of funds being      sent, like a payslip, credit card statement, tax rebate receipt or bank      loan agreement

This data will sometimes be needed to conduct Know Your Customer (KYC), Customer Due Diligence (CDD) and security checks, as required by local and international regulations. This helps us keep your money safe, and we will only request these details when necessary.

We also collect from You, information in relation to other people (e.g.: details of the recipients of Your money transfers), where You provide us with such information. By providing us with such information you confirm that you have obtained any necessary permissions from such persons to the reasonable use of their information for such purposes in accordance with this notice, or are otherwise permitted to give us this information on their behalf. Please also ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.

Data about your recipient, such as (but not limited to):

• Name
• Date of birth
• Occupation
• Phone number
• Proof of their identity, such as a passport,      driving licence, national ID card or residence permit

This data will sometimes be needed to conduct Know Your Customer (KYC), Customer Due Diligence (CDD) and security checks, as required by local and international regulations. This helps us keep your money safe, and we will only request these details when necessary. All data about your recipients will be treated in line with this Privacy Policy.

Data from other third-party sources, such as (but not limited to):

• Facebook, Twitter or Google profile images and      names
• Banks and payment service providers used to      transfer money to us
• Advertising networks
• Search engines providers (such as Yahoo.com or      Google)
• Credit reference agencies

Royal Ark Foreign Exchange Bureau LTD collects this data only when you provide the relevant permission to social media sites.

Technical data, such as (but not limited to):

• Page views
• App downloads
• Operating system
• Browser type

This data is used to help us to understand how you use our Service, so that we can improve it.

How we collect information about You:

• Information You give to us when You use our      services. If You use our services You will need      to provide certain information including Your name, address and card      number, as well as the name and other details the recipients of the money      transfers that you instruct us to carry out.
• Other information You give to us. This is information about You that You give      us by filling in forms on our site (e.g.: the ‘contact us’ section) or by      corresponding with us by phone, e-mail or otherwise. It includes, for      example, information You provide when You register on the site for us to      contact You, and when You report a problem with our site. The information      You give us may include, among other data, Your name and e-mail address.
• Social Media. Depending      on Your settings or the privacy policies for social media and messaging      services such as Facebook, LinkedIn and Instagram, You might give us      permission to access information from those accounts or services.
• Other Sources. We      may receive information about You from other sources, including publicly      available databases and combine this data with information we already have      about You. This helps us to update, expand and analyse our records and      provide services that may be of interest to You.

Information we collect about You.

Like most websites, we use "cookies" to help us make our site – and the way You use it – better. Cookies mean that a website will remember You. They're small text files that sites transfer to Your computer (or phone / tablet). They improve website use and speed – for example by automatically filling Your name and address in text fields.

Log Files.
In addition, with regard to each of Your visits to our site, we will automatically collect certain information (e.g.: browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data). We may combine this automatically-collected log information with other information we collect about You.

Social Media Widgets.
Our website includes Social Media Widgets or Features, such as the Facebook Like button and Twitter button which are interactive mini-programs that run on our site to provide specific services from another company (e.g.: displaying the news, opinions, music, etc). Personal information, such as Your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

Mobile App:
When You download our Mobile App, in addition to the information mentioned above we:

automatically collect information on the type of device You use, operating system version, and system and performance information. We may send You push notifications from time-to-time in order to update You about any events or promotions that we may be running. If You no longer wish to receive these types of communications, You may turn them off at the device level. To ensure You receive proper notifications, we will need to collect certain information about Your device such as operating system and user identification information;

may collect Your location-based information for the purpose of locating a place that You may be searching for in Your area. We will only share this information with our mapping provider for the sole purpose of providing You with this service. Your geo-location data may be shared with third parties for the purpose of them serving You ads for places (such as restaurants) in Your area. You may opt-out of location-based services at any time by editing the setting at the device level or by emailing us at ROYALARK CUSTOMER SERVICE EMAIL ADDRESS  and

may use mobile analytics software to allow us to better understand the functionality of our Mobile Software on Your phone. This software may record information such as how often You use the Mobile App, the events that occur within it, aggregated usage, performance data, and where the Mobile App was downloaded from. We do not link the information we store within the analytics software to any personal data You submit within the Mobile App.

Why do we collect your data?

We collect your data to personalise and improve our service for you. The specific purposes for which we collect your data include:

Transactional purposes:
We need to collect data in order to process your transactions. Without data such as you and your beneficiaries bank account details or full name and address, we would be unable to transfer money for you.

Regulatory purposes:
As regulated financial institutions, both Royal Ark Foreign Exchange Bureau LTD and our partners are required to conduct Know Your Customer (KYC) and Customer Due Diligence (CDD) checks to comply with our legal and regulatory requirements.

These include our requirements under Anti Money Laundering (AML) and Counter Terrorist Financing (CTF) legislation. All of this helps us keep our Service safe and secure.

Marketing purposes:
We may process your personal data to provide you with certain types of marketing communication that we believe will be relevant and of interest to you. This helps us provide you with a more personalised service. This kind of activity is permitted by our ‘legitimate interest’. We will always endeavour to make these communications relevant and un-intrusive, and you are able to object to marketing communication from us at any time.

Analytical purposes:
We may collect and analyse data such as website or app visit logs to improve the quality of our service.

You do not have to disclose any of the above data to us. However, if you choose to withhold certain data, we may not be able to provide you with our Service.

How we protect Your information

We ensure that there are appropriate technical, physical, electronic, and administrative safeguards in place to protect Your personal details from unauthorised access. When You enter certain information such as a credit card number on our order forms, we encrypt the transmission of that information using reasonable security measures. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

Unfortunately, the transmission of information via the internet (including by email) is not completely secure. Although we will do our best to protect Your personal data, we cannot guarantee the security of Your data transmitted to our site; any transmission is at Your own risk. Once we have received Your information, we will use strict procedures and security features to try to prevent unauthorised access.

How long we keep Your information

We will only keep the information we collect about You for as long as required for the purposes set out above, or as required to comply with any legal obligations to which we are subject. This will involve us regularly reviewing our files to check that information is accurate, up-to-date and still required.

The period for which we will retain information about You will vary depending on the type of information and the purposes that we use it for. In general, we will keep our records for up to 7 years after you have terminated your relationship with us, in order to comply with our legal obligations.

We may retain Your contact information collected for the purposes of sending You marketing communications in accordance with this policy for as long as You do not unsubscribe from receiving the same from us.

Opting out

Where required by Data Protection Legislation, You will be given a choice when You provide us with Your personal information to opt in or opt out of receiving marketing communications.

You have the option of "unsubscribing" from our mailing list for marketing communications, alerts and updates at any time, thereby disabling any further marketing e-mail communication from being sent to You.

Details of how to unsubscribe will be included on each electronic mailing we send You. Alternatively, just send an email to royalark customer service email with "URGENT – UNSUBSCRIBE REQUEST" in the subject line and the email address that You wish to be removed within the email.

We will action any opt out request from You without delay.

Your rights

The law gives you several important rights in relation to your personal data, which are listed below.

There are certain exceptions where these rights may be superseded by laws and other requirements applicable to regulated authorised payment institutions like Royal Ark Foreign Exchange Bureau LTD. An example of this would be the obligatory retention period, which supersedes the right to data erasure.

Your rights are:

The right to be informed: the right to be informed about how we use your personal data

The right of access and data portability: the right to request access to the data that we have about you, to obtain the data within a month of asking for it, and to use it for your own purposes

The right to rectification: the right to correct, amend or update your personal data if it is wrong or has changed (this can usually be done using the settings provided on your account)

The right to erasure: the right to ask us to remove the data we hold about you from our records

The right to be forgotten: the right to request erasure of any links to your personal data, or of any copy or replication of any public personal data

The right to restrict processing: the right to ask us to stop processing your personal data

The right to object: the right to object to data processing, if you believe that our legitimate interest might infringe upon your rights

Rights related to automated decision-making and profiling: the right to not be subject to individual decisions made solely by automated means

The right to notification in the event of breach: the right to be immediately informed if we identify a data breach

The right to raise a complaint: the right to contact our Data Protection Officer if you are not happy with how we have handled your personal data

The right to lodge a complaint with a supervisory authority: the right to submit a complaint to the Information Commissioner’s Office (ICO) if you are not satisfied with our Data Protection Officer’s response, or if you believe that we are not processing your personal data in a lawful way (For more details please refer to the Commissioner’s Office website

If you would like to read more about your rights in relation to your personal data, please refer to the Information Commissioner’s Office website.

You can contact us at Royal ARK Customer service email address if you want to enforce any of these rights. We will comply with our legal obligations as regards Your rights as a data subject.

Any request for access to Your personal data must be in writing and we will endeavour to respond within a reasonable period and in any event within one month (three months for complex or numerous requests), in compliance with Data Protection Legislation. We reserve the right to charge a reasonable fee (reflecting the costs of providing the information) or to refuse to respond where requests are manifestly unfounded or excessive: in this case, we will explain the situation to You and we will inform You about Your rights.

We aim to ensure that the information we hold about You is accurate at all times. To assist us in ensuring that Your information is up to date, You will need to let us know if any of Your personal details change. Upon your request, we will take reasonable steps to ensure that the data is accurate, and we will rectify any personal data that is incorrect promptly and in any case within one month of Your request.

Cookies Policy

Cookies are small text files which are stored on your device when you access Royal Ark Foreign Exchange Bureau LTD. They allow us to recognise you and store data about your past activity and your preferences so that we can personalise and improve the service for you.

Cookies and other similar technologies may collect data such as language preference, country and previously viewed pages.

We use the following cookies:

Necessary cookies:
these cookies enable the basic use of our Service e.g. enabling content reserved for registered users

Personalisation cookies:
these cookies allow our Service to be personalised for you e.g. remembering your preferred language or sending country

Analytical cookies:
these cookies allow us to see how people use our Service so that we can understand how to improve it e.g. seeing how many people are logged in at a given time of day

By using our Service, you agree to place the cookies described above on your device. You have the right to withdraw your consent at any time. If you would like to delete our cookies, you can do so by changing the settings of your browser.

Blocking or deleting cookies may mean that some features of the Service may not be available to you.

Changes to this Privacy Policy

Any changes we make to our Privacy Policy in the future will be posted on this page and, where appropriate, notified to You by e-mail. Please check back frequently to see any updates or changes to our Privacy Policy.

Complaints

Questions, comments and requests regarding this Privacy Policy are welcome and should be addressed to:

Royal Ark Foreign Exchange Bureau Ltd
10, Howe Street

Freetown, Sierra Leone

UK Address?

Email:….customer service email address Royal Ark 

You may also use these contact details if You wish to make a complaint to us relating to Your privacy. If You have any concerns about our use of Your information, You also have the right to make a complaint to:

· the Information Commissioner's Office, which regulates and supervises the use of personal data in the United Kingdom, via their helpline on 0303 123 1113; or

· if you are based in a different EU or EFTA country, the national data protection supervisory authority in such country (a list can be found at: http://ec.europa.eu/newsroom/article29/item-detail.cfm?item_id=612080).