Privacy Policy

1. Introduction

Sunnah Money Transfer ("we", "our", "us") is committed to protecting your privacy and safeguarding your personal information.

This Privacy Policy explains how we collect, use, process, store and protect your personal information when you use our money transfer services through our branch, website, mobile application or any other authorised service channel.

We handle information fairly, securely and transparently in accordance with applicable UK data protection legislation. By using our services, you acknowledge that you have read and understood this Privacy Policy.

2. Who We Are

Sunnah Money Transfer is a trading name of Sunnah Express Limited, a company registered in England and Wales. Payment services are provided through our principal payment institution. Sunnah Express Limited acts as a registered payment services agent and complies with applicable UK regulatory requirements.

3. Scope of this Privacy Policy

This policy applies to our website, mobile application, branch services, telephone services, customer support, online customer portal and any other authorised Sunnah Money Transfer service.

4. Information We Collect

Depending on the services you use, we may collect:

• Personal information: full name, date of birth, residential address, nationality, telephone number, email address and occupation.
• Identity documents: passport, driving licence, national identity card, residence permit, proof of address and visa information where applicable.
• Financial information: bank account details, debit or credit card information, payment records, transaction history, source of funds and source of wealth where required.
• Recipient information: name, address, telephone number, bank or mobile wallet details, relationship to the sender and purpose of transfer.
• Technical information: IP address, device information, browser type, operating system, cookies, login history, app usage information and security logs.

5. How We Use Your Information

We use personal information only for legitimate business purposes, where there is a lawful basis under applicable UK data protection laws, including to:

• Process domestic and international money transfers.
• Verify identity and perform KYC, CDD and EDD where required.
• Prevent fraud, money laundering, terrorist financing and other financial crime.
• Meet legal and regulatory obligations and maintain internal audit records.
• Communicate about accounts and transactions and respond to enquiries and complaints.
• Improve products, services, the website and mobile application.
• Detect suspicious or unauthorised activity and protect customers, employees and our business.

6. Identity Verification, CDD and AML

To comply with Anti-Money Laundering, Counter-Terrorist Financing, sanctions and other obligations, we may request proof of identity and address, date of birth, occupation, source of funds, source of wealth, transaction purpose, sender-recipient relationship and additional supporting documents.

We may carry out identity and electronic verification, CDD, EDD, PEP screening, sanctions screening, adverse media checks and ongoing transaction monitoring. Where required by law, we may delay, suspend or refuse a transaction until satisfactory verification is complete.

7. Sharing Your Information

We respect your privacy and will never sell your personal information. Where necessary for service delivery, legal compliance or financial crime prevention, we may share information with:

• Our principal payment institution, banking partners, correspondent banks and payment processors.
• Identity verification providers, fraud prevention agencies and credit reference agencies where permitted by law.
• Government authorities, financial regulators and law enforcement agencies.
• Professional advisers, auditors and technology service providers supporting our systems.

8. International Transfers

Personal information may be transferred outside the United Kingdom where necessary to complete an international transaction. Appropriate safeguards will be implemented in accordance with applicable UK data protection laws.

9. Cookies and Website Technologies

Our website and mobile application use cookies and similar technologies to improve performance, remember preferences, protect accounts, analyse usage, improve customer experience and prevent fraud. You may disable cookies through your browser settings, but some features may then be affected.

10. Data Security

We maintain technical and organisational measures against unauthorised access or disclosure, loss, misuse, alteration and destruction. Measures include secure servers, encryption, firewalls, access controls, staff confidentiality obligations, security monitoring and regular system reviews.

No internet transmission or electronic storage system can be guaranteed to be completely secure.

11. Data Retention

We retain personal information only as long as necessary to provide services and comply with legal and regulatory requirements. Certain customer, transaction, identity verification and compliance records must be retained for the period required by applicable law.

After the applicable period, information will be securely deleted, destroyed or anonymised unless we are legally required or permitted to retain it longer.

12. Your Rights Under UK GDPR

Subject to applicable law, you may request access, correction, restriction, deletion where legally permitted, object to certain processing, request portability, withdraw consent where processing is based on consent, and complain to the ICO.

Some rights may be limited where we must retain or process information for AML, counter-terrorist financing, fraud prevention or another legal obligation. We will verify identity before fulfilling a sensitive request.

13. Marketing Communications

Where permitted by law, we may send information about products, services, offers and promotions. You may opt out through Customer Support, an email unsubscribe option or available communication preferences. Opting out does not stop necessary service or regulatory messages.

14. Changes to this Privacy Policy

We may update this policy for changes in law, regulation, services, business operations, security, technology or regulatory guidance. The latest version will remain on our website. Continued use after an update constitutes acceptance where permitted by law.

15. Contact Details

Sunnah Money Transfer
A Trading Name of Sunnah Express Limited
296 Bethnal Green Road, London E2 0AG, United Kingdom
Website: www.sunnahmoneytransfer.co.uk
Email: info@sunnahmoneytransfer.co.uk
Telephone / WhatsApp: +44 20 7729 8100
Online Customer Support: 24 hours a day, 7 days a week
Branch opening hours: Monday-Saturday, 10.00 am-7.00 pm

16. Complaints and the ICO

Please contact us first if you have concerns about how we process personal information so we can investigate and try to resolve the matter promptly.

If you remain dissatisfied, you may have the right to complain to the Information Commissioner's Office, the UK's independent data protection authority.

This policy applies to all customers using our branch, website, mobile application and authorised service channels. It should be read with our Customer Terms & Conditions and other applicable policies.