Introduction and Scope

This Privacy Policy explains how Remittance Handbook ("we," "us," or "our") collects, uses, shares, and protects personal information when you use our website at remittancehandbook.com and our international money transfer and remittance services (collectively, the "Services"). By using the Services, you agree to the practices described in this policy.

This policy applies to all users of the Services, including senders and recipients of remittances. It does not apply to third-party websites or services that we do not control.

Information We Collect

We collect information to provide and improve the Services, comply with legal obligations, and prevent fraud. The types of information we collect include:

Information You Provide

• Identity Information: Full name, date of birth, nationality, government-issued identification numbers, and copies of identification documents (e.g., passport, driver's license).
• Contact Information: Email address, phone number, and mailing address.
• Financial Information: Bank account details, debit/credit card numbers, and other payment instrument information.
• Transaction Information: Details about your transfers, including recipient name, recipient account information, transfer amount, and purpose of transfer.
• Correspondence: Records of your communications with us, including customer support inquiries.

Information We Collect Automatically

• Device and Usage Information: IP address, browser type, operating system, pages visited, and access times.
• Cookies and Similar Technologies: We use cookies to enhance your experience, analyze usage, and for security purposes. You can manage cookie preferences through your browser settings.

Information from Third Parties

• Identity Verification: We may receive information from identity verification services to confirm your identity.
• Fraud Prevention: We may receive information from fraud prevention databases and credit reporting agencies.
• Payment Processors: We receive transaction details from payment processors and financial institutions.

How We Use Your Information

We use your information for the following purposes:

• To Provide the Services: Process your remittance transactions, verify your identity, and communicate with you about your transfers.
• To Comply with Legal Obligations: Meet anti-money laundering (AML), counter-terrorism financing (CTF), and other regulatory requirements, including reporting to authorities as required by law.
• To Prevent Fraud and Enhance Security: Detect, prevent, and address fraud, unauthorized transactions, and other illegal activities.
• To Improve the Services: Analyze usage patterns and feedback to enhance our Services.
• To Communicate: Send you transaction receipts, service updates, and respond to your inquiries. We may also send marketing communications with your consent, which you can opt out of at any time.

How We Share Your Information

We do not sell your personal information. We may share your information in the following circumstances:

• With Service Providers: Third parties that perform services on our behalf, such as payment processing, identity verification, fraud prevention, and customer support. These providers are contractually obligated to protect your information.
• With Financial Institutions: Banks and other financial institutions involved in processing your transfers.
• For Legal Compliance: When required by law, regulation, or legal process, or to protect the rights, property, or safety of Remittance Handbook, our users, or others.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset.

Data Security

We implement administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption of sensitive data in transit and at rest, access controls, and regular security assessments. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: You can request a copy of the personal information we hold about you.
• Correction: You can request that we correct inaccurate or incomplete information.
• Deletion: You can request that we delete your personal information, subject to legal retention requirements.
• Objection and Restriction: You can object to or request restrictions on certain processing activities.
• Data Portability: You can request a copy of your data in a structured, machine-readable format.
• Opt-Out of Marketing: You can opt out of receiving marketing communications at any time.

To exercise these rights, please contact us using the details below. We will respond to your request in accordance with applicable law.

California Residents (CPRA)

If you are a California resident, you have additional rights under the California Privacy Rights Act (CPRA), including the right to know, delete, correct, and opt out of the sharing of your personal information. To exercise CPRA rights, contact privacy@remittancehandbook.com.

Cookies and Similar Technologies

We use cookies and similar technologies to collect information about your browsing activities. Cookies are small text files stored on your device. We use session cookies (which expire when you close your browser) and persistent cookies (which remain until deleted). You can set your browser to refuse cookies, but some features of the Services may not function properly.

Third-Party Services

Our Services may contain links to third-party websites or integrate with third-party services (e.g., payment processors). This Privacy Policy does not apply to those third parties. We encourage you to review their privacy policies.

International Data Transfers

We may transfer your personal information to countries outside your country of residence, including the United States, where data protection laws may differ. We take steps to ensure that such transfers comply with applicable legal requirements and that your information receives adequate protection.

Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child, we will take steps to delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our website and updating the "Last Updated" date. Your continued use of the Services after changes become effective constitutes acceptance of the revised policy.

How to Contact Us for Privacy Inquiries

If you have questions about this Privacy Policy or our data practices, or to exercise your rights, please contact us:

• Privacy Email: privacy@remittancehandbook.com
• Phone: +1 (646) 402-7831
• Mailing Address: Suite 12B, 1180 Avenue of the Americas, New York, NY 10036

Last Updated: October 29, 2026