Legal
How we collect, use, share and protect your personal information — and the rights you have over it. Because we are a regulated money transfer business, some processing is required by law.
Your name, date of birth, nationality, residential address, email address and phone number.
Copies of government-issued identity documents, proof of address, selfie or liveness-check images used for verification, and — where regulation requires — information about your occupation, source of funds and source of wealth.
The amounts you send, recipients and their details, payout countries and methods, funding instruments (such as the debit card or bank account you pay from), transfer references and transaction history.
IP address, device identifiers, operating system, app version, browser type and usage data collected when you use our app or website, including through cookies (see our Cookie Policy).
We use your information to provide the service and to meet our legal obligations. In each case we rely on a legal basis:
By processing a transaction with us, you authorise us to conduct the checks we need to meet our regulatory requirements, including identity verification, background checks and screening against sanctions and asset-freeze lists. We may request additional documentation, including evidence of source of funds and source of wealth. The information we request may change as regulatory requirements change. We may also share data with, and respond to requests from, regulatory bodies and law enforcement.
Because we send money internationally, your data is transferred to partners in the countries your transfers go to, including countries outside the UK and the EEA. Where we do this, we apply appropriate safeguards — such as UK or EU Standard Contractual Clauses or reliance on adequacy decisions — and share only what is needed to complete the transaction and meet regulatory obligations.
We retain personal information for as long as required to meet our legal and regulatory obligations. Anti-money-laundering law generally requires us to keep identity and transaction records for at least five years after a transaction or the end of the customer relationship; some records are kept longer where the law requires. When information is no longer needed, it is securely deleted or anonymised.
We protect your information with technical and organisational measures including encryption in transit and at rest, access controls, staff training and regular security testing. No system is perfectly secure, so we also monitor for suspicious activity and will notify you and the relevant authority of any breach where the law requires.
You have the right, free of charge, to:
Requests must be made in writing with proof of ID and are reviewed by our data protection officer. Because much of what we hold is a regulatory requirement, deletion of data relating to transactions already processed may not be possible. We aim to respond within two weeks and in any case within the statutory time limit. If we fail to resolve your concern, you can complain to the Information Commissioner's Office (UK) or your local supervisory authority (EEA).
We only send you marketing — offers, rate alerts, new corridors — if you have opted in. Every message includes an unsubscribe link, and you can also change your preferences in the app or by contacting us. Opting out of marketing does not affect service messages about your transfers, which we must still send.
Our services are for adults aged 18 and over. We do not knowingly collect personal information from anyone under 18; if we become aware that we have, we will delete it and close the account.
We may update this policy to reflect changes in our services, the law or regulatory guidance. The current version is always available on this page, and we will notify you of material changes in the app or by email before they take effect.
For any question about this policy or your data, contact our data protection officer at help@clicksend-money.com, call 0800 048 2233, or write to ClickSend Money, [registered office address].