Privacy Policy

 

Introduction

 

Kirim Uang Singapore Pte. Ltd. ("Kirim Uang") is a private limited company established under the laws of the Republic of Singapore, domicile in Singapore, who is the owner and manager of a mobile app and website www.kirimuang.com (“Platform”). Kirim Uang is a digital platform that provide an online money transfer services via mobile app (“Service”), especially for Indonesian workers overseas who wants to send money for their family in their hometown (“Customer”).

 

Kirim Uang takes the privacy of your information seriously. This Privacy Policy applies to the Platform and governs data collection, processing and usage in compliance with the Personal Data Protection Act 2012 (No. 26 of 2012) of Singapore (“PDPA”). By using the Platform, you consent to the data practices described in this statement.

 

Purpose of Collection

 

This Privacy Policy applies to all visitors of our Platform.

 

We will collect your personal data when you visit our Platform. When you visit our Platform, we may monitor the use of Platform through the use of cookies and similar tracking devices. This information helps us to build a profile of our users. Some of this data will be aggregated or statistical, which means that we will not be able to identify you individually.

 

We collect your personal information so that we can perform our business activities and provide you with the service that you need. Generally, we only collect information to provide you with a specific services and you have consented to that collection.

 

The personal information that you provide is collected for the following purposes:

 

·    Identifying you and your beneficiary in compliance with the applicable anti-money laundering/counter-terrorism (“AML/CTF”)  Act and its regulations of the country or territory where you are sending money; and our own internal AML/CTF policies and procedures.

·    Providing us with the information we need to effectively and efficiently transfer your money, and administering the other services that we provide or any other services provided by our affiliates, associates, and service providers.

·    Sending communications requested by you or obtaining additional information from you to effectively complete the transfer of your money.

·    Managing your relationship with us or our affiliates and associates including updating our records and keeping your contact details up to date.

·    Providing your updated personal information to our affiliates and associates, banks, partner financial institutions, contractors, or service providers to effectively complete the transfer of your money.

·    Conducting business research, data processing, and statistical analysis on our customers.

·    With your consent, providing you with information about other services offered by Kirim Uang or its affiliates and associates, partner banks and financial institutions.

·    With your consent, providing you with information about other products and services offered by third parties which may be of interest to you.

·    Complying with any law, rule, regulation, lawful and binding determination, decision, judgment, or direction of a regulator or in cooperation with any governmental authority of any country (or political subdivision of a country).

 

If you do not provide us with the personal information described above, we may not be able to comply with our legal obligations and properly manage our business risks. Hence, we may not be able to provide you with our services.

 

We are required by the applicable AML/CTF Act and its regulations, and our internal AML/CTF policies and guidelines to keep your personal information for a period of at least five (5) years unless a longer period is prescribed by law enforcement bodies in the corresponding country where you are located or the courts and any government authority that requires us to do so. While we have your personal information, we will safeguard it according to established industry security standards.

 

Personal Information

 

Kirim Uang required to collect and process your personal information under the Anti-Money Laundering and Counter-Terrorism Financing laws as applicable.

 

Personal Information is any information that can be used to personally identify you. If the information we collect personally identifies you or you can be reasonably identified from it, the information shall considered as personal information.

 

Personal information we may collect are as follows:

 

1. Personally identifiable information, which includes:

a)  Identification details, such as name, date of birth, gender, signature, nationality or identity documents i.e driver’s license, passport, working permit or any forms of identification;

b)  Contact details, such as residential or postal address, email address or telephone number;

c)  Employment information, such as nature of your work or profession, name of employer, address of work place;

d)  Financial information, such as source of income, source of funds being remitted through our Platform or your bank account detail;

e)  Details contained in the relevant document that you key in when you use our Services. These details may include your name, handphone number, email, the purpose of your query, and details about your will;

(“Personal Information”).

 

2. Information about your computer hardware and software when you use our Platform. The information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by Kirim Uang for the operation of the Services, to maintain quality of the Services, and to provide general statistics regarding use of the Platform.

3.  Information on the purpose of transaction, and the persons who will receive the money that you are sending such as contact details, banking and financial information, and your relationship to such person.

4. Information relating to you that you provide to us directly through our websites or indirectly

     through the use of our websites or other online facilities, or through our representatives   

     or otherwise.

 

 

Terms of Information Collection

 

We collect your personal information directly from you unless it is unreasonable or impracticable to do so. For example, we collect your personal information when you apply for or use a product or service, or when you talk to us or our representative in person or on the phone. We also collect information from you electronically; for instance, when you visit our website, send us an e-mail, or whenever you apply for access to our products and services electronically.

 

We may also collect information about you from other people or organizations. This may happen without your direct involvement. For instance, we may collect personal information about you from: our affiliates, associates, agents, and other representatives; publicly-available sources of information, such as public registers; your representatives (including your legal adviser, financial adviser, executor, administrator, guardian, trustee, or attorney); your employer; credit reporting agencies; other organizations, who jointly, with us, provide products or services to you; commercial information service providers, such as companies that provide fraud prevention reports; law enforcement agencies and other government entities.

 

It is understood that you authorize us to verify personal information that you have provided from any government regulatory body for purposes of complying with the customer identification requirements of the applicable AML/CTF Act and its regulations, and our AML/CTF financing policies and guidelines.

 

Non-disclosure

 

Your personal information shall not be used or disclosed for purposes other than those for which it has been collected, except with your consent, or unless we are required by law to do so.

 

Kirim Uang does not sell, rent, lease, or release your Personal Information to third parties. Kirim Uang may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique Personal Information is not transferred to the third party without your explicit consent. In addition, Kirim Uang may share data with trusted partners to help us perform statistical analysis, send you email or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Kirim Uang, and they are required to maintain the confidentiality of your Personal Information.

 

Security of Your Personal Information

 

We strive to maintain the safety of your Personal Information. Any transactions will be encrypted using SSL technology. Unfortunately, no internet-based service is 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.

 

Access to, Updating, and Non-Use of Personal Information

 

Subject to the exceptions referred to in section 21(2) of PDPA, you have the right to request a copy of the information that we hold about you. If you would like a copy of some or all of your personal information, please send an email to cs@kirimuang.com. We may make a small charge for this service.

 

We want to ensure that your Personal Information is accurate and up to date. If any of the information that you have provided to Kirim Uang changes, for example if you change your email address, name or contact number, please let us know the correct details by sending an email to cs@kirimuang.com. You may ask us, or we may ask you, to correct information you or we think is inaccurate, and you may also ask us to remove information which is inaccurate.

 

You have the right to ask us not to collect, use, process, or disclose your Personal Information in any of the manner described herein. We will usually inform you (before collecting your Personal Information) if we intend to use your Personal Information for such purposes or if we intend to disclose your Personal Information to any third party for such purposes. You can give us notice of your intention to halt the collection, use, processing, or disclosure of your Personal Information at any time by WA Chat at (+65) 89028000

 

 

Changes To This Statement

 

Kirim Uang will update this Privacy Policy to reflect customer feedback. Kirim Uang encourages you to periodically review this Privacy Policy to be informed of how Kirim Uang is protecting your information.

 

Contact Information

 

You have the right not to approve or withdraw approval of the use, management, transfer and disclosure of your personal information by a Kirim Uang to the extent that it complies and/or is not limited by applicable laws and regulations. But please keep in mind that by withdrawing the agreement regarding your personal information, Kirim Uang may not be able to contact you and/or provide the services you need.

 

If you have further questions regarding Kirim Uang privacy policy, please contact us at: cs@kirimuang.com