Privacy policy

The Eversend group is made up of different companies. We’ll let you know which Eversend Company you have a relationship with when you first apply for use of an Eversend product or service.
The Eversend company providing the relevant product or service to you will be responsible for processing your personal data for that product or service. This Eversend Company is known as the ‘Controller’ of your personal data.

This notice applies to:

1. Our website accessible at www.eversend.co;
2. The Eversend App;
3. Any of the services available to you and accessed through the Eversend App or website or through USSD.

We may also collect your personal data from other sources. We explain how and when this can happen in the subsequent parts of this notice.
Depending upon which of our products or services you use or how you contact us we may also need to provide you with additional information about the use of your personal data – this extra information shall always be availed to you before we collect any of your data.
By personal data, we mean information which:

1. We know about you (for example we know when you use the Eversend App to send money)
2. Can be used to personally identify you (for example, a combination of your name and telephone number or email address)

This notice explains what information we collect, how we use it, and your rights if you want to change how we use your personal data.
If you have any questions or concerns in relation to your personal data, you can contact our Data Protection Officer mailto: paul@eversend.co.

The personal data we collect about you depends on the particular Eversend product and services you request or use. We will collect and use the following personal data about you:

Information you give us i.e submitted information

We collect information you provide when you:

1. Fill in any forms
2. Correspond with us
3. Participate in any of our surveys or promotions
4. Register to use the Eversend App
5. Open an account or use any of our services
6. Take part in online discussions including engagements with our social media accounts
7. Speak with a member of our customer support through mail, social media, phone or through the Eversend App
8. Contact us for other reasons
9. Top-up, send money (mobile money and bank transfer) and electronic money exchange

The information we collect includes:

1. Your name, address and date of birth
2. Your email address, phone number, email address and details of the device
3. Your Eversend username, when you create and Eversend tag
4. Your registration information
5. Details of your credit and debit cards you have registered with us including the card number, expiry date and CVC (the last three digits on the back of the card)
6. Your country of residence, tax identification number
7. Copies of your identification documents
8. Details of your bank account, including the account number, sort code and IBAN
9. Records of your communication with us, if you contact us or we contact you (including records of phone calls)
10. Your image in photo or video form submitted as part of our KYC (Know-Your-Customer) checks, to verify your identity and when you upload a photo to your Eversend account
11. Details of your beneficiaries submitted when processing a payment or money transfer
12. And any other information you provide us in order to prove your eligibility to use our services.

Whenever you use the Eversend App or visit our website, we collect the following information:

1. Technical information, including the internet protocol (IP) address used to connect your device to the internet, your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, device information and type, unique device identifier (for example, your Device’s IMEI number, the MAC address of the Device’s network interface, or the mobile phone number used by the Device), mobile network information and operating system.
2. Information about your visit, including the full uniform resource locators (URL), clickstream to, through and from our website (including date and time), services you viewed or searched for, page response times, download errors, length of visits to certain page, device information.
3. Transaction information including date, time, amount, currencies used, exchange rate, beneficiary details, IP address of sender and receiver, sender’s and receiver’s name and registration information, messages sent or received with the payment, device information used to facilitate the payment instrument used.
4. Information stored on your Device, including if you allow Eversend access contact information from your address book, login information, photos, videos or other digital content, check-ins (Content Information). The App will periodically recollect this information in order to stay up-to-date.
5. Details of your use of our App or your visits to our Site including transaction details relating to your use of our services, including who you have sent money or electronic money to, foreign exchange transactions you have entered into, the time, date and location of the place the transaction was entered into.

We use GPS technology and your IP address to determine your location, this is used when the App is running in the foreground and the background of your Device. This is used to prevent fraud, for instance, if your mobile phone is saying that you are based in France but your information is being used to enter into a transaction in Italy, we may not allow that transaction to be processed.

Our card protection and fraud-prevention measures require this personal data for the feature to work. If you wish to use the particular feature, you will be asked to consent to your data being used for this purpose. You can withdraw your consent at any time by disabling location permission for the Eversend App within your device settings “Location Information.”

We work closely with third parties in order to help us deliver our services to you. These third parties are business partners (such as those we partner with to offer additional Eversend Services like credit), sub-contractors in technical, payment and delivery services, advertising networks , analytics providers, search information, information which helps us to verify your identity or information relating to your payment transactions.
Please see the ‘Disclosure of your information’ section for more information.

Occasionally, we’ll use publicly available information about you from selected social media websites or apps to carry out enhanced due diligence checks. Publicly available information from social media websites or apps may also be provided to us when we conduct general searches on you (for example to comply with our anti-money laundering or sanctions screening obligations.

We collect information and contact details from publicly available sources, such as media stories, online registers or directories and websites for enhanced due diligence checks, security searches and KYC purposes.

We must have a legal basis for collecting and using your personal data. Our legal basis is for either of the following:

1. Performing our contracts and agreements with you
   We need certain personal data to provide our products and services and cannot provide them without this personal data.
2. Legal obligations
   We have a legal responsibility to collect and store your personal data (for example under the anti-money laundering laws, we must collect and hold certain information about our customers and users of our products.
3. Legitimate interests
   We collect and use your personal data because we have a legitimate reason justifiable law to use it and this is reasonable when balanced against your human rights and freedoms.
4. Substantial public interest
   Where we process your personal data or your sensitive personal data (sometimes known as special category personal data), to adhere to government regulations or guidance, such as our obligation to support you if you are or become a vulnerable person.
5. Consent
   Where you have agreed to use collecting your personal data for example when you click the agree button to indicate you are happy with us collecting and using your personal data subject to the terms disclosed to you.