PRIVACY POLICY

Welcome to Remidirect Inc. (“Company,” “we,” “us,” or “our”). Your privacy is a top priority, and we are committed to safeguarding your personal data when you use our international remittance services through our website, mobile application, and related platforms (collectively, the 'Services').

This Privacy Policy outlines how we collect, use, store, and protect your personal information, as well as your rights under applicable laws, including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), Federal Trade Commission (FTC) regulations, and international General Data Protection Regulation (GDPR) principles.

By accessing or using our Services, you consent to the terms of this Privacy Policy. If you do not agree, please refrain from using our Services.

We collect and process personal information to facilitate secure international money transfers, comply with legal requirements, and enhance user experience.

When using RemiDirect, we may collect personal information. Personal information may be any information that can be used to identify a specific person. The following categories and specific types of personal information is information that we may collect:

Identity Information: Full name, date of birth, gender, username, social media accounts, Social Security Number (SSN), passport number, or other government-issued ID.

Contact Information: Email address, phone number, and residential address.

Financial Information: Bank account details, debit/credit card details, transaction history, occupation and employer.

Security Credentials: Passwords, PIN codes, multi-factor authentication (MFA) data, and biometric data (facial recognition, fingerprint).

Recipient/Beneficiary Information: Name, bank details, and contact information of the person you send money to.

For California residents, please note that we may collect Sensitive Personal Information including social security number, driver's license, state identification card, or passport number and Protected Classifications under California and federal law, including gender and age.

 

Device & Usage Data: IP address, browser type, operating system, session logs.

Transaction Details: Amount, currency, recipient details, exchange rate, transaction timestamps.

Geolocation Data: Collected if you enable location tracking for fraud prevention and regulatory compliance.

Cookies & Analytics: We use third-party analytics tools to track user behavior, app performance, and improve fraud detection mechanisms.

Since Remidirect does not hold its own Money Services Business (MSB) license or Money Transmitter Licenses (MTL), we operate under licenses sponsored by third-party financial institutions. As such, we may receive personal information from:

Licensed Payment Service Providers for transaction processing. Identity Verification & KYC Providers for fraud prevention.

Law Enforcement & Regulatory Agencies in compliance with subpoenas and financial regulations.

Processing International Remittances: Facilitating money transfers securely.

Identity Verification & Fraud Prevention: Using AI-based fraud detection to monitor transactions.

Compliance with Legal Obligations: Following AML (Anti-Money Laundering), KYC (Know Your Customer), and CTF (Counter-Terrorism Financing) laws.

Customer Support: Assisting users with transaction issues and account inquiries.

Marketing & Promotions: (With Consent): Sending promotional offers, cashback rewards, and referral bonuses.

Analytics and Personalization: To conduct research and analytics, including to improve our services and product offerings.

4. 4. How We Share Your Information
   
   
   
   4. 4.1 Third-Party Service Providers

We rely on third-party financial institutions, payment processors, and compliance partners to operate legally under their licenses. These service providers process your data on our behalf.

 

U.S. Financial Crimes Enforcement Network (FinCEN) for fraud prevention.

Sanctions Lists (OFAC, FATF, etc.) to comply with anti-money laundering laws. Government & Law Enforcement Agencies when legally required.

 

Our website or app may have features such as, plugins, widgets, or other tools made available by third parties that may result in information being collected or shared between us and the third party. Their use of your information is not governed by this privacy policy, but by their own respective privacy policies.

If Remidirect undergoes a merger, acquisition, or restructuring, user data may be transferred to the acquiring entity.

Retention Period: We retain your transaction records for up to 7 years or as required to comply with U.S. regulatory requirements.

Cloud Storage: User data is stored exclusively within U.S.-based cloud servers with SOC 2, ISO 27001, and PCI-DSS security certifications.

Encryption: AES-256 encryption for data storage; SSL/TLS encryption for secure transactions. Multi-Factor Authentication (MFA) to enhance account security. AI Based Fraud Detection for monitoring suspicious activities.

 

6. SMS and Email Communications Compliance

6.1 SMS Communications (TCPA Compliance)

 By providing your mobile number and opting in, you consent to receive SMS messages from RemiDirect regarding account activity, transaction alerts, security verification, customer support, and promotional offers. Standard message and data rates may apply.

• You may opt out of promotional SMS messages at any time by replying "STOP" to any such message.
• For help, reply “HELP” or contact us at support@remidirect.com.
• We do not share your mobile number with third parties for their own marketing purposes.

RemiDirect complies with the Telephone Consumer Protection Act (TCPA) and takes reasonable measures to avoid sending unsolicited messages. SMS opt-in consent is not a condition of using our services.

 

6.2 Email Communications (CAN-SPAM Compliance)

When you provide your email address, you agree to receive transaction confirmations, service updates, support communications, and marketing emails (if opted in).

• You may unsubscribe from marketing or promotional emails at any time by clicking the “Unsubscribe” link provided at the bottom of each email.
• Transactional or legally required emails will continue to be sent even if you unsubscribe from marketing emails.
• We do not sell or rent your email address to third parties.

We comply with the CAN-SPAM Act and include clear opt-out instructions and our physical mailing address in all commercial emails

7.Your Rights & Choices

7.1. Rights of U.S. Residents (CCPA & GLBA Compliance)

Request access to the personal data we hold about you.
 Request correction of inaccurate information.

Request deletion of your personal data (subject to regulatory requirements). Opt-out of marketing communications at any time.

7.2.Rights of European Users (GDPR Compliance)

Right to data portability: Receive your data in a machine-readable format.
 Right to be forgotten: Request account and data deletion.

Right to restrict processing: Object to certain types of data use.

 

8. Cookies & Tracking Technologies

Ensure secure logins and fraud prevention.

Analyze user interactions via third-party analytics tools. 
 Provide personalized offers (opt-out available).

Opt-Out Options: Users can disable cookies via browser settings.

 

9. Children's Privacy

Remidirect does not allow users under the age of 18 to create an account or use our Services. If a minor’s data is inadvertently collected, we will delete it immediately.
 

 

10. International Data Transfers
 

While Remidirect primarily serves U.S. residents, we allow non-U.S. citizens to sign up. All data processing follows U.S. and international security standards.

 

11. Changes to This Privacy Policy
 

We may update this policy periodically. Changes take effect immediately upon posting. Users will be notified via email or app alerts for significant updates.

 

12. Contact Us

For privacy-related inquiries, contact:

Email: privacy@remidirect.com 

Office Address: Remidirect Inc., 1301 W22nd St. Suite 801, Oak Brook, Illinois 60523 For GDPR-related concerns, reach out to our Data Protection Officer (DPO) at: Email: admin@remidirect.com