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At Nittygritty, confidentiality and protection of our customers details is considered a serious issue, hence we make trust and security a big part of what makes us one of the best in the money remittance business in Uk.

Your privacy is very important to us, so we’d like to tell you what we do, to keep your data safe and secure.

In this policy, we explain how Nittygritty collects, manages, uses and protects your data.

1. Who are we?

Nittygritty4rex is an online money transfer service with the mission to make international money transfer easier, faster and cheaper.

The company plans to position itself has a facilitator of busines and individual remittances either way between UK and Nigeria.

The key to NittyGritty success are:

Trust
Prompt service
Low charges
Willingness to go the extra mile in terms of customer service
Communication with customers on their money transfer journey

In this Privacy Policy, terms such as “we”, “us” and “Nittygritty4rex” refer to Nittygritty Solutions Ltd. Company Number (6587559) with its registered office located at 10 Reservoir Close, Greenhithe, Kent, DA9 9BX United Kingdom.

The term “Service” refers to money transfers enabled from our website or mobile app.

In the language of data protection regulation, Nittygritty is the “data controller” of your personal data and you, our customer, are the “data subject”. This means that Nittygritty determines the purposes and means of processing your personal data, while respecting rights concerning your privacy.

2. What data do we collect?

Like most companies, we collect various types of data about our customers. Some of it may be considered personal data, which means data that make you identifiable as an individual.

We may collect and use the following data:

Basic personal data, such as (but not limited to):

Date of birth
Address
Phone number
E-mail address

This data is necessary for Nittygritty to provide the Service to you. We will request this data when you sign up, before the Service is provided.

Data for ‘Know Your Customer’ (KYC) regulations, such as (but not limited to):

Proof of your identity, like a passport, driving licence, national ID card or residence permit
Proof of your address, like a utility bill or bank statement
Additional details on the source of funds being sent, like a payslip, credit card statement, tax rebate receipt or bank loan agreement

As a regulated financial institution, we are bound by the legal requirement to collect, verify and record certain data about you or recipients of your transactions. Any personal data received from the customer for the purpose of preventing money laundering or terrorist financing will be used only for that purpose and nothing more.

This data will be needed to conduct Know Your Customer (KYC), Customer Due Diligence (CDD) and security checks, as required by local and international regulations. This helps us keep your money safe, and we will only request these details when necessary.

Data about your recipient, such as (but not limited to):

Name
Date of birth
Occupation
Phone number

Data from other third party sources, such as (but not limited to):

Facebook, Twitter or Google profile images and names
Banks and payment service providers used to transfer money to us
Search engines providers (such as Yahoo.com or Google)
Credit reference agencies

Nittygritty collects this data only when you provide the relevant permission to social media sites.

Call recording

We may record all incoming and outgoing calls that are handled by Nittygritty Ltd.

3. Why do we collect your data?

We collect your data to personalise and improve our Service for you. The specific purposes for which we collect your data include:

Transactional purposes

We need to collect data in order to process your transactions. Without data such as you and your beneficiaries bank account details or full name and address, we would be unable to transfer money for you.

Regulatory purposes

As a regulated financial institutions, both Nittygritty and our partners are required to conduct Know Your Customer (KYC) and Customer Due Diligence (CDD) checks to comply with our legal and regulatory requirements.

These include our requirements under Anti Money Laundering (AML) and Counter Terrorist Financing (CTF) legislation. All of this helps us keep our Service safe and secure. Any personal data received from the customer for the purpose of preventing money laundering or terrorist financing will be used only for that purpose and nothing more.

Marketing purposes

We may process your personal data to provide you with certain types of marketing communication that we believe will be relevant and of interest to you. This helps us provide you with a more personalised Service. This kind of activity is permitted by our ‘legitimate interest’ We will always endeavour to make these communications relevant and unintrusive, and you are able to object to marketing communication from us at any time.

Analytical purposes

We may collect and analyse data such as website or app visit logs in order to improve the quality of our Service.

You do not have to disclose any of the above data to us. However, if you choose to withhold certain data, we may not be able to provide you with our Service.

4. How do we keep you data safe and secure?

All the data that you provide to us is encrypted on our secure servers. We restrict access to your data to specific employees of Nittygritty who have an important business-related reason for handling it. Our communications are encrypted using the TLS (Transport Layer Security) technology protocol.

All of the data we collect from you or from other sources will always be stored in accordance with this Privacy Policy.

5. How long do we keep your data?

Depending on what purpose your data is used for, the length of time we keep it may vary. Either way, we will only hold your data as long as necessary to serve the purpose it is used for.

Regulatory

We are legally required to keep the data obtained for Know Your Customer (KYC), Customer Due Diligence (CDD) and security purposes (including transaction records and our communications with you) for at least five years after the most recent transaction.

Legitimate Interest

When the five years’ retention period and/or legitimate interest no longer apply, we will remove your data from our system. For more information on legitimate interest, please see Section 8 of this Policy.

Consent

In situations where you give us specific consent to process certain kinds of data, you are able to withdraw that consent at any time. We will then stop processing your data and, if the five years’ retention period and/or legitimate interest retention period does not apply, we will also erase your data from our system.

We may retain any data mentioned above for a longer period, if required to protect the rights, property or safety of Nittygritty or of the Service provided by us or our partners.

6. Who do we share your data with?

We share your personal data with third parties only when it is necessary for the fulfilment of the Service or to comply with applicable laws.

We will never sell your personal data to other organisations.

We sometimes work with partners who help us to complete your transactions. If they are based outside the UK, we will share your personal data with them only when they apply essential safeguards, or if it has been established that they have an appropriate data protection regime in place, or when we otherwise ensure that the appropriate level of protection is applied for data processing.

The following are some purposes for which we may share your data with third parties:

To fulfil the contract between you and Nittygritty

We may share your data with third parties, such as our partners and intermediaries, when they are necessary for the fulfilment of the Service.

When required by law

We may share your data when required by law, for example for the purposes of security, taxation and criminal investigations.

For marketing and communication

We may share your data with third parties such as providers of customer service tools, marketing campaign tools, email communication tools, analytics software (for marketing purposes) and data visualisation tools (for analytical purposes).

If we sell or buy any business or assets, we may be obliged to share your personal data with the prospective seller or buyer.

7. What are your rights?

The law gives you a number of important rights in relation to your personal data, which are listed below.

There are certain exceptions where these rights may be superseded by laws and other requirements applicable to regulated financial institutions like Nittygritty. An example of this would be the obligatory retention period (seen Section 5), which supersedes the right to data erasure.

Your rights are:

The right to be informed: the right to be informed about how we use your personal data
The right of access and data portability: the right to request access to the data that we have about you, to obtain the data within a month of asking for it, and to use it for your own purposes
The right to rectification: the right to correct, amend or update your personal data if it is wrong or has changed (this can usually be done using the settings provided on your account)
The right to erasure: the right to ask us to remove the data we hold about you from our records
The right to be forgotten: the right to request erasure of any links to your personal data, or of any copy or replication of any public personal data
The right to restrict processing: the right to ask us to stop processing your personal data
The right to object: the right to object to data processing, if you believe that our legitimate interest might infringe upon your rights
Rights related to automated decision-making and profiling: the right not be subject to individual decisions made solely by automated means.
The right to notification in the event of breach: the right to be immediately informed if we identify a data breach
The right to raise a complaint: the right to contact our Data Protection Officer if you are not happy with how we have handled your personal data
The right to lodge a complaint with a supervisory authority: the right to submit a complaint to the Information Commissioner’s Office (ICO) if you are not satisfied with our Data Protection Officer’s response, or if you believe that we are not processing your personal data in a lawful way (For more details please refer to the Commissioner’s Office website- https://ico.org.uk/your-data-matters

If you would like to read more about your rights in relation to your personal data, please refer to the Information Commissioner’s Office website

8. Legitimate interest

Legitimate interest is a specific legal justification for the collection and processing of your personal data. It applies when we have reasonable grounds to collect and/or process your personal data to improve our Service, as long as this does not infringe on your rights.

We believe that if you are an active customer of Nittygritty, it is in your interest to receive occasional information about our Service. We may therefore send you communications about offers or promotions that we believe are relevant for you based on your previous use of the Service. If we notice that you are having problems using our Service, we may on our own initiative decide to contact you, in some cases by phone, to offer help.

We may also process your data to help develop new product features that we believe will improve the Service. We may contact you occasionally to assess your satisfaction with the Service. We may also use your data to determine the effectiveness of marketing or promotional campaigns. We may also contact you with information about any changes in the Service, and/ or other important updates.

We will only share anonymised or encrypted data with the third parties. We may also provide our partners with anonymous aggregated data about our customers for marketing and analytical purposes, to help optimise our marketing communications.

You can object to data processing based on our legitimate interest at any time by contacting us at customerservice@nittygritty4rex.com or by changing the settings on your Nittygritty account.

Privacy and Data Collection Policy