Privacy Notice

1. Who we are and how to contact us

Neteller International ('we', 'us', 'our') is the data controller responsible for your personal data. We are committed to protecting your privacy and handling your data in accordance with applicable data protection laws. If you have questions about this Privacy Notice or how we handle your data, you can contact our Data Protection team through the Help section of our website or app.

2. Types of personal data we collect

We collect and process the following categories of personal data:

• Identity data: Name, date of birth, nationality, government-issued identification documents
• Contact data: Email address, phone number, postal address
• Financial data: Bank account details, payment card information, transaction history
• Technical data: IP address, device identifiers, browser type, operating system
• Usage data: How you use our website, app, and services
• Marketing data: Your preferences for receiving marketing communications
• Verification data: Documents and information required for identity verification

3. How we collect personal data

We collect personal data through several means:

• Directly from you when you register, make transactions, or contact us
• Automatically through cookies and similar technologies when you use our platform
• From third parties including identity verification providers, fraud prevention services, and credit reference agencies
• From publicly available sources where necessary for compliance purposes

4. How and why we use your personal data

We use your personal data for the following purposes:

• To provide and manage your account and our services
• To process transactions and send related information
• To verify your identity and prevent fraud and financial crime
• To comply with legal and regulatory obligations
• To improve our services, including analytics and research
• To communicate with you about your account and our services
• To send marketing communications where you have consented
• To enforce our terms and protect our legal rights

5. Legal bases for processing

We process your personal data on the following legal bases:

• Contract: Where processing is necessary to provide our services to you
• Legal obligation: Where we are required to process data by law (e.g., anti-money laundering requirements)
• Legitimate interests: Where processing is necessary for our legitimate business purposes, balanced against your rights
• Consent: Where you have given clear consent, such as for marketing communications

You have the right to withdraw consent at any time where we rely on it for processing.

6. Sharing and international transfers

We may share your personal data with:

• Service providers who help us deliver our services (e.g., payment processors, cloud hosting)
• Identity verification and fraud prevention partners
• Regulatory authorities and law enforcement where required
• Professional advisors including lawyers and auditors
• Other parties with your consent or as required by law

Where we transfer data outside the UK/EEA, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses or adequacy decisions.

7. How long we keep personal data

We retain your personal data for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements. Retention periods vary depending on the type of data and applicable legal requirements. For financial records, we typically retain data for at least 5-7 years after the end of our relationship with you.

8. Your rights

Under data protection law, you have the following rights:

• Right of access: Request a copy of your personal data
• Right to rectification: Request correction of inaccurate or incomplete data
• Right to erasure: Request deletion of your data in certain circumstances
• Right to restrict processing: Request limitation of how we use your data
• Right to data portability: Receive your data in a structured, machine-readable format
• Right to object: Object to processing based on legitimate interests or for direct marketing
• Rights related to automated decision-making: Request human intervention in automated decisions that significantly affect you

To exercise these rights, please contact us through the Help section. We may need to verify your identity before processing your request.

9. How we protect your data

We implement appropriate technical and organisational measures to protect your personal data against unauthorised access, alteration, disclosure, or destruction. This includes encryption, access controls, regular security testing, and staff training. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

10. How to contact us or complain

If you have questions about this Privacy Notice or wish to exercise your rights, please contact us through the Help section of our website or app. If you are not satisfied with our response, you have the right to lodge a complaint with your local data protection authority. In the UK, this is the Information Commissioner's Office (ICO).