Last Updated: December 2025
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This Privacy Policy explains how Multiwyre Payment Ltd and its affiliates (Multiwyre, MYR, we, us) process the personal data of users of Multiwyre’s website (the Website) and any services or products made available through the Website (collectively, the Services). This Privacy Policy applies regardless of how you access or use these Services.

Multiwyre Payment Ltd, FINTRAC-registered Money Services Business, permitted to act as a money transfer business and a virtual asset service provider.

Where applicable, depending on the region in which you reside Multiwyre is responble for the collection and processing of your personal data in connection with the provision of our Services.

Multiwyre will be the data controller in relation to any personal data provided to us directly via email, phone, chatbot, post, or via the Services, including the Website, or any other communication channel offered by Multiwyre. This means that we are responsible for deciding how personal data is held and used.

By using or navigating the Website and the Services, you acknowledge that you have read, understand, and agree to be bound by this Privacy Policy. If you do not agree with this Privacy Policy, you should not use the Website or the Services or provide us with any personal data.

Persons under the age of 18 may not provide personal data through our Website, Services, or social media accounts. Persons under 18 years old may not register for or use our Services, with or without parental or guardian consent.

Contact
You may contact our Data Protection Officer or privacy team:
• Email: info@salmon-hyena-745855.hostingersite.com

1. Data Protection Principles

Personal data is any information relating to an identified or identifiable natural person. This includes information such as your name and contact details, identification numbers, electronic location data, and online identifiers.

We are committed to complying with applicable data protection laws and ensuring that personal data is:
• Used lawfully, fairly, and transparently;
• Collected for specified, explicit, and legitimate purposes and not processed incompatibly with those purposes;
• Adequate, relevant, and limited to what is necessary;
• Accurate and kept up to date;
• Retained only for as long as necessary;
• Processed securely.

2. What Personal Data We Collect About You

We collect only personal data that is relevant, proportionate, and strictly necessary for the purposes of providing our Services. This may include:
• Information required to provide our Services, including onboarding and account administration;
• Information required to verify your identity and age (KYC/AML);
• Information about your preferences and interests;
• Information about your use of the Services;
• Information about the device you use to access the Services.

Categories of Personal Data
• Identity and Contact Data: name, date and place of birth, nationality, address, email, phone number, identification documents, images/selfies, signature, tax identification number, tax residency, occupation, PEP status, and transaction-related information required under AML laws.
• Account Data: username, password, preferences, feedback, survey responses, and service usage.
• Payment Data: bank account details, e-wallet details, and transaction information.
• Technical Data: IP address, browser type and version, device identifiers, operating system, geolocation data, and other technical identifiers.

3. How We Collect Your Data

We collect personal data in the following ways:
• Directly from you: when you register, open an account, complete forms, sign contracts, subscribe to communications, or contact us.
• Automatically: when you use the Website or Services, including via cookies and similar technologies.
• From third parties: where permitted by law, including service providers, public sources, and business partners.

Where data is collected in ways not covered by this Policy, we will provide additional notice where required.

4. How We Use Your Personal Data and Legal Bases

We process personal data only where permitted by law, including:
• With your consent;
• To perform a contract with you;
• To comply with legal obligations;
• For our legitimate interests, where these do not override your rights.

Personal data may be used to provide, operate, improve, and market our Services, ensure compliance, prevent fraud, and protect our legal interests. Where required, further details on specific processing activities and legal bases will be provided upon request.

5. Data Retention

We retain personal data only for as long as necessary to:
• Provide the Services;
• Comply with legal, regulatory, accounting, and reporting obligations;
• Resolve disputes and enforce agreements.

Retention periods depend on the nature of the data and applicable legal requirements. Marketing data is retained until you opt out or the data becomes inaccurate.

6. Who We Share Your Personal Data With

We may share personal data with:
• Employees and affiliates on a need-to-know basis;
• IT, cloud, compliance, KYC, fraud prevention, and customer support service providers;
• Financial institutions, payment service providers, and clearing systems;
• Professional advisers such as lawyers and auditors;
• Regulators, courts, and public authorities where required by law.

All third parties are required to process personal data securely and in accordance with applicable laws and our instructions.

7. Security of Your Personal Data

We implement appropriate technical and organisational measures to protect personal data against unauthorised access, loss, misuse, or disclosure. Personal data is stored securely and, where appropriate, encrypted. All persons with access to personal data are subject to confidentiality obligations.

8. International Data Transfers

Where personal data is transferred outside the European Economic Area (EEA), we ensure appropriate safeguards are in place, including adequacy decisions, Standard Contractual Clauses, or other lawful transfer mechanisms.

9. Direct Marketing

We may send you marketing communications about our Services where permitted by law. You may opt out at any time by:
• Using the unsubscribe link in communications; or
• Contacting us at info@salmon-hyena-745855.hostingersite.com.

Opting out of marketing does not affect service-related communications.

10. Profiling and Automated Decision-Making

We do not carry out automated decision-making or profiling that produces legal or similarly significant effects. If this changes, we will inform you and provide relevant rights.

11. Your Rights

You have rights under data protection law, including the right to access, rectify, erase, restrict, transfer, or object to the processing of your personal data, and to withdraw consent where applicable.

To exercise your rights, contact us at info@salmon-hyena-745855.hostingersite.com. You also have the right to lodge a complaint with your local supervisory authority.

12. Third-Party Links

Our Services may contain links to third-party websites or applications. We are not responsible for their privacy practices and encourage you to review their privacy policies.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect legal, regulatory, or operational changes. The latest version will always be available on our Website, and material changes may be notified by email where appropriate.