Privacy Policy

When you create or use a KlemRemit account, we may collect information such as your full name, date of birth, nationality, residential address, phone number, email address, government-issued identification documents, and other information required to verify your identity.

To provide our services and meet applicable Know Your Customer (KYC), Anti-Money Laundering (AML), and regulatory requirements, we may collect information about your occupation, source of funds, source of income, beneficiary details, bank account information, and other financial information required to process or verify transactions.

We collect information relating to payments and transfers made through KlemRemit, including transaction amounts, currencies, payment methods, sender and recipient information, bank details, transaction references, exchange rates, and transaction history.

We do not store complete payment card information where it is processed securely by our regulated payment or processing partners.

We automatically collect certain technical information when you use KlemRemit, including your IP address, device type, operating system, browser information, application activity, pages visited, referring URLs, and information about how you interact with our services.

Where required to provide our services, prevent fraud, comply with regulatory obligations, or with your permission, we may collect approximate or precise location information from your device.

We use your information to create and manage your account, verify your identity, process transfers, facilitate payments, manage beneficiaries, provide multi-currency services, and deliver transaction confirmations and receipts.

KlemRemit supports cross-border money movement between the UK, Nigeria, and other supported countries, including transfers routed through the UK.

We use personal and financial information to verify your identity, detect suspicious activity, prevent fraud, protect your account, and identify transactions that may violate our terms or applicable laws.

We may use your contact information to send transaction notifications, security alerts, verification requests, account updates, service announcements, and other communications relating to your use of KlemRemit.

Where permitted by law, we may also send promotional communications. You can opt out of marketing communications at any time.

We process information where necessary to comply with applicable laws and regulations, including requirements relating to KYC, AML, sanctions screening, fraud prevention, financial crime monitoring, tax reporting, and regulatory investigations.

We may use aggregated and appropriately protected information to understand how users interact with KlemRemit, improve our services, develop new features, monitor performance, and enhance the security and reliability of the platform.

Because KlemRemit provides financial services, we may be required to collect and verify information about you before allowing certain transactions or account activities.

The information collected may include identity documents, proof of address, source-of-funds information, and other information required by applicable regulations.

We may screen users and transactions against applicable sanctions, watchlists, politically exposed person (PEP) databases, and other financial crime databases.

We may delay, restrict, or decline a transaction where required to comply with applicable laws, regulatory requirements, or our internal risk controls.

We maintain transaction and account records for as long as necessary to provide our services, meet regulatory obligations, resolve disputes, prevent fraud, and satisfy applicable financial recordkeeping requirements.

We may share relevant information with banks, payment processors, financial institutions, identity verification providers, fraud prevention providers, technology providers, and other trusted service partners where necessary to provide KlemRemit services.

We do not sell your personal information to third parties for their independent marketing purposes.

We may disclose your information where required by law, regulation, court order, governmental authority, financial regulator, law enforcement agency, or other legally authorized body.

We may also disclose information where necessary to detect, investigate, or prevent fraud, money laundering, terrorist financing, or other unlawful activity.

If KlemRemit is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar corporate transaction, your information may be transferred as part of that transaction, subject to applicable data protection requirements.

We use appropriate technical and organizational security measures designed to protect your information against unauthorized access, alteration, disclosure, or destruction.

Data transmitted between your device and our services is protected using industry-standard encryption technologies.

Access to personal and financial information is restricted to authorized personnel and service providers who require access to perform their responsibilities.

We use appropriate access controls, authentication measures, and monitoring procedures to help protect sensitive information.

We continuously monitor our systems and transactions for suspicious activity, unauthorized access, and other security threats.

Where we identify a security incident involving personal information, we will take appropriate steps to investigate, contain, and respond to the incident and make any required notifications under applicable law.

We retain personal, account, and transaction information for as long as necessary to provide our services and meet our legal, regulatory, accounting, fraud prevention, and dispute-resolution obligations.

Certain financial and transaction records may need to be retained for a specified period after your account is closed where required by applicable law or regulation.

You may request deletion of your personal information where permitted by applicable law.

However, we may be required to retain certain information to comply with legal and regulatory obligations, prevent fraud, resolve disputes, or maintain required financial records.

We use essential cookies and similar technologies to maintain secure sessions, authenticate users, remember preferences, prevent fraud, and enable core KlemRemit functionality.

These cookies are necessary for the proper operation of our services.

Where permitted, we may use analytics and similar technologies to understand how users interact with KlemRemit, measure platform performance, identify usability issues, and improve our services.

You may be able to manage certain cookie preferences through your browser or device settings.

Depending on your location and applicable law, you may have the right to request access to the personal information we hold about you and ask us to correct inaccurate or incomplete information.

In certain circumstances, you may have the right to request that we restrict our processing of your personal information or object to particular types of processing.

Where applicable, you may request a copy of certain personal information in a structured and commonly used format.

Where we rely on your consent to process personal information, you may withdraw that consent at any time. Withdrawal of consent does not affect processing that occurred before the withdrawal.

Because KlemRemit facilitates cross-border financial transactions, your information may be processed or transferred between countries where we, our service providers, financial institutions, or other partners operate.

Where personal information is transferred internationally, we take appropriate steps to ensure that the information receives an appropriate level of protection in accordance with applicable data protection laws.