We take data privacy very seriously and recognise the importance of protecting and respecting your personal data. This Privacy Policy describes the information we collect, how we use that information, to whom we pass the information, your rights and key contact information.
To provide you with our money transfer services (also known as “e-money services”) we need to collect information about you. Our aim is not to be intrusive, and we won’t ask you unnecessary questions. Any information we receive about you will be subject to strict controls to minimise the risk of misuse – including unauthorised access to, or disclosure of, your personal data.
Please read this notice carefully, together with our Terms and Conditions and any other documents referred to in it. Here we set out the basis on which any information we collect about you or from you, or that you provide to us, will be processed by us and other parties in providing you with the services accessed through the website, apps or over the phone (“GMT Direct Services”). GMT Direct (“our”, “us” and “we”) commits to using your information only in accordance with the terms of this Privacy Policy.
For the purposes of this Privacy Policy, the term “information” means any confidential and/or personal data or other information related to users of GMT Direct Services – including, but not limited to, corporate and individual customers and their connected parties.
By visiting this website, our partners’ websites, or providing your personal information to one of our employees, for example by telephone or email, you accept and expressly consent to our use and disclosure of your personal information and direct us to do so in the manner described in this Privacy Policy.
This includes consenting to the processing of any sensitive personal information you provide, as described below in section 2. It also includes information you provide when you browse our website, request a quote, register for an account, enter into a contract for the supply of money transfer services, enter a competition, promotion or survey and when you contact us for other reasons.
If you have concerns about any of the terms of this Privacy Policy, please call us so that we can provide further information.
Children are not eligible to use GMT Direct Services. We respectfully ask that minors (persons under the age of 18) do not submit any information to us or use GMT Direct Services.
We may collect and process the following information about you:
You may provide us with information by filling in forms on our website, our partners’ websites or by talking with us by over the phone or corresponding with us via email or otherwise.
This includes information you provide when you browse our website, request a quote, register for an account, enter into a contract for the supply of money transfer services, enter a competition, promotion or survey and when you contact us for other reasons.
To open a GMT Direct account or use GMT Direct Services, you must provide your name, address, phone number and email address – and we may ask you to provide identity document number(s) and copies of identification documents, for example your driving license or passport, or a utility bill.
In order to make payments using GMT Direct Services, you may be asked to provide debit card details (including the long number, start and expiry dates and the card verification value code (CVV/CVC)) and your destination bank details (account number, sort code, IBAN, SWIFT, ABA or routing number).
We may also ask you to choose two different security questions to answer (such as your city of birth or your pet's name). If we ask you to set up these security answers, we will be unable to provide our services unless you provide this information.
We may ask you to send us additional information if:
The additional information may include a copy of your driving licence, passport, and/or a recent utility bill, or other information verifying your identity and address, or to answer additional questions to help verify your information.
We may also ask for evidence of source of funds or wealth, for example bank statement, investment statement, business transaction summary, proof of property sale or probate documents.
When you communicate with us for customer service or other purposes, including by phone, email or using other methods, we retain that information and our responses to you.
We record calls on our telephone lines for quality control purposes, as evidence of transactions and to fulfil regulatory requirements. Any information you disclose to us will be held on these recordings, with the exception of debit card numbers, which are not recorded to comply with The Payment Card Industry Data Security Standard. We also record any phone number used to call us where a call is connected and the number not withheld.
We ask that you do not disclose sensitive personal information, including the state of your health, in any communication, however if you should do so voluntarily, you consent for us to hold that information in our communication records and phone recordings (see further details below).
When you arrive at or leave the GMT Direct website, whether connected by a fixed line or wirelessly, we receive the web address of the site that you came from or are going to.
While you are using our site we collect information on the services you search for or view, page response times and length of visits to specific pages, how you interacted with each page (including scrolling, clicks and mouse-overs), and methods used to browse away from the page.
We collect information about the device you are using, such as the type of device, operating system and platform, the type and version of browser, browser plug-in types and versions, the times you access our website/app and the time zone setting, mobile network information and unique device identifier, which may include your Device's IMEI number and/or MAC address, or the mobile phone number used by the Device. We do not capture GPS information about you.
If you give us permission, our app may collect information stored on your Device, including contact information from your address book, photos, videos or other digital content. The app may periodically re-collect this information in order to stay up-to-date.
If you use certain functionalities provided by us (including our mobile website or app) we may ask you to upload a photograph of your identity document and/or use the Device’s camera to verify your identity using facial recognition in order to provide these specific services. Your face must be recognisable.
When you use GMT Direct Services to purchase currency or send currency to someone else, we ask you to provide information related to that transaction. This information includes the amount, currency and type of the transaction, source of funds, exchange rate, recipient name and bank details, recipient address for some jurisdictions and, optionally, the recipient’s email address and phone number.
If it is necessary for you to provide personal information about other individuals in the course of dealing with us, for example regarding directors and shareholders of a company, or the other party to a joint account, you should do so only where you are authorised by those individuals.
When you engage an individual who is not a GMT Direct customer in a transaction, e.g. by sending a payment to that individual, we will retain the information that you submit to us, including, for example, the other party's name and/or bank details.
Although the information on Connected Parties and/or Recipients is stored for a certain period of time in compliance with applicable law, we will not use it to market to the non-registered person.
Additionally, these persons have the same rights to access and correct information about themselves as registered users of GMT Direct Services. You should bring this Privacy Policy to their attention at the earliest opportunity so they aware of how their information will be processed by us and aware of their rights in relation to that information.
To protect ourselves and our customers against fraud, we verify the information you provide with Anti-Fraud Agencies and Electronic Identity Verification Services. In the course of verification, we receive information about you from such services.
If you register a debit card or bank account with GMT Direct, we will use card authorisation and anti-fraud screening services to verify that your bank or card information and address match the information you supplied to GMT Direct, and that the card has not been reported as lost or stolen.
Any electronic identity check with a credit agency may leave a record on your credit file. By agreeing to the terms of this Privacy Policy, you agree that we may carry out such searches in the knowledge that it may leave a record on your credit history. If you are a joint account holder, in certain circumstances credit agencies may link your record with your spouse, partner or other financial associates.
We conduct a background check on all our customers (and for business customers, also on the business’s directors, shareholders and partners). During this process we will obtain information about you and/or your business, its directors, shareholders and partners, from an identity verification provider.
If you allow us to, we will collect friend lists from Facebook and similar information from other third parties such as Twitter and Google – the app will periodically re-collect this information in order to stay up-to-date – and we may collect other information you have chosen to make publicly available on social media sites. Where we are one of your connections on a social media site, we may also connect information you have chosen to share with your connections on that site.
We may also collect information about you from other sources, including other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control.
We may receive information about you if you use any of the other websites we, or our group companies, operate or the other services we provide. We are also working closely with third parties (including, for example, business partners and affiliates, customers who participate in our refer-a-friend programme, service providers, advertising networks, analytics providers, and search information providers) and may receive information about you from them. This may be combined with the information you provide to us.
We will use information we receive from business partners for marketing purposes only if you have provided your consent to do so, either to the third party which collected the information, or to us.
Data privacy regulations prohibit the processing of ‘special categories of personal data’, also called ‘sensitive data’ unless you have given your consent.
Sensitive data includes information revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, trade union membership, genetic data, biometric data, and data concerning health, sex life or sexual orientation. There are also restrictions on processing of criminal convictions and offences.
To avoid infringing these restrictions, it is GMT Direct’s policy that we do not ask for or collect any of the above data from you or any other party, so we therefore ask that you please do not reveal any sensitive data about yourself or others in any communication with us.
If you do reveal sensitive data, for example by phone or in an email, you will be giving express consent for us to process that information by storing the recording of the telephone call, or the email or other communication.
Global Money Transfer foreign exchange rates apply. A Global Money Transfer and a Foreign Exchange transaction count towards your allowable transaction limit, bank account transaction fees may apply. Must have a Global Money Transfer chequing, savings or personal line of credit account to send a Global Money Transfer. Most transfers are completed by the next business day. However, there are times when a transfer requires 2 to 3 business days to be completed.
Read the Global Money Transfer Agreement.
1 Referrals must be made to first-time users of Global Money Transfer in order to qualify for credits.
2 To be eligible for the Global Money Transfer Welcome to Canada Package, you must have received Canadian permanent resident status within the past 5 years; any time period longer than 5 years does not qualify. You must request the Global Money Transfer Newcomer benefits when applying for a product. Other conditions may apply.
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