Privacy Policy and Data Protection Notice

United Money Services Ltd

Last Updated: [06 July 2026]

1.Introduction

United Money Services Ltd ("UMS", "we", "us", or "our") is committed to protecting the privacy, confidentiality, and integrity of personal information entrusted to us. We process personal data in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, the Privacy and Electronic Communications Regulations (where applicable), and all other relevant legislation governing the protection of personal information.

This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information when providing money transfer and related payment services, when you communicate with us, visit our premises, or access our website.

This notice applies to customers, senders, beneficiaries, authorised representatives, business partners, website users, and any other individuals whose personal information we process in connection with our business activities.

2.Data Controller

United Money Services Ltd is the data controller responsible for the processing of personal information described in this Privacy Policy.

Registered and Trading Address

Telephone: +44 2034176550
Email: info@unitedmoneyservices.co.uk

For any enquiries concerning data protection or this Privacy Policy, please contact us using the above details.

3.Personal Information We Collect

The categories of personal information we collect depend upon the services requested and our legal and regulatory obligations. These may include:

• Full name, date of birth, nationality, residential address, telephone number and email address;
• Government-issued identification documents, including passports, driving licences, national identity cards, residence permits, or other reliable evidence of identity;
• Proof of residential address and supporting verification documents;
• Employment details, occupation, source of funds, source of wealth and intended purpose of transactions;
• Transaction information, including sender and beneficiary details, payment amount, currency, destination country, payment method, transaction reference, processing status and related information;
• Information obtained for customer due diligence (CDD), enhanced due diligence (EDD), sanctions screening, politically exposed person (PEP) screening, fraud prevention and anti-money laundering (AML) compliance;
• Records of correspondence, enquiries, complaints and communications with us;
• Technical information collected through our website, including IP address, browser type, device identifiers, operating system and website usage information.

We do not knowingly provide services directly to, or intentionally collect personal information from, individuals under the age of 18 unless legally permitted and appropriately represented.

4.Purposes of Processing

We process personal information only where necessary for legitimate and lawful purposes, including:

• Providing international money transfer and payment services;
• Establishing and verifying customer identity;
• Processing, executing, monitoring, cancelling or refunding transactions;
• Conducting customer due diligence, enhanced due diligence and ongoing monitoring;
• Performing sanctions, PEP and adverse media screening where required;
• Detecting, preventing and investigating fraud, money laundering, terrorist financing, sanctions breaches and other criminal activity;
• Complying with statutory, regulatory, accounting, taxation and reporting obligations;
• Responding to requests from HM Revenue & Customs (HMRC), the Financial Conduct Authority (FCA), the National Crime Agency (NCA), law enforcement agencies, courts and other competent authorities;
• Maintaining legally required records and audit trails;
• Managing customer enquiries, complaints and dispute resolution;
• Protecting our business, employees, customers, systems and assets;
• Maintaining the security, resilience and integrity of our information systems;
• Improving our services, internal controls and operational efficiency.

5.Lawful Basis for Processing

We process personal information only where a lawful basis exists under Article 6 of the UK GDPR.

Lawful Basis	Application
Legal Obligation	Processing necessary to comply with legal and regulatory obligations, including the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017, sanctions legislation, taxation requirements, accounting obligations and regulatory reporting.
Performance of a Contract	Processing necessary to provide the money transfer or payment services requested by the customer or to take steps prior to entering into a contract.
Legitimate Interests	Processing necessary for fraud prevention, information security, complaint handling, internal governance, audit, risk management, business administration and service improvement, provided such interests are not overridden by the rights and freedoms of data subjects.
Consent	Processing based upon explicit consent where required by law, including certain categories of direct marketing communications. Consent may be withdrawn at any time without affecting the lawfulness of processing undertaken before withdrawal.

Where processing is required by law, particularly for anti-money laundering or regulatory purposes, consent is not required and cannot be used to prevent such processing.

6.Anti-Money Laundering Compliance

As a regulated Money Service Business, United Money Services Ltd is legally required to conduct customer due diligence, enhanced due diligence where appropriate, ongoing monitoring, sanctions screening and politically exposed person screening.

Accordingly, we may request documentation or information necessary to verify identity, establish the nature and purpose of a business relationship, assess the source of funds and source of wealth, and comply with applicable anti-money laundering legislation.

Where legally required, we may refuse, suspend, delay or decline to process a transaction if statutory compliance requirements cannot be satisfied.

In certain circumstances, legislation may prohibit us from informing customers of regulatory disclosures, suspicious activity reports or investigations where doing so would constitute unlawful "tipping off" or prejudice an investigation.

7.Disclosure of Personal Information

We may disclose personal information where necessary and lawful to:

• Banks, correspondent institutions, payment providers and payout partners involved in processing transactions;
• Transaction senders or beneficiaries where disclosure is necessary to facilitate or verify a payment;
• Identity verification, compliance, sanctions screening, fraud prevention and risk management service providers;
• Professional advisers, auditors, insurers and legal representatives;
• Information technology, cloud hosting, software, cybersecurity and data storage providers;
• HMRC, FCA, NCA, law enforcement agencies, courts, regulators and other competent authorities;
• Prospective purchasers, successors or acquirers in connection with a merger, acquisition or transfer of business assets.

All third-party service providers are contractually required to process personal information only in accordance with our instructions and applicable data protection legislation.

8.International Transfers

Given the international nature of our money transfer services, personal information may be transferred to countries outside the United Kingdom, including jurisdictions where payment partners, correspondent institutions or beneficiaries are located.

Where UK data protection legislation applies to such transfers, we will ensure that an appropriate transfer mechanism is implemented, including adequacy regulations, International Data Transfer Agreements (IDTAs), Standard Contractual Clauses or any other lawful safeguard recognised under UK data protection law.

Although data protection standards vary internationally, transfers are undertaken only where necessary to provide our services or fulfil legal and regulatory obligations.

9.Retention of Personal Information

Personal information is retained only for as long as necessary to fulfil the purposes for which it was collected and to satisfy applicable legal, regulatory, taxation, accounting and audit obligations.

In accordance with the Money Laundering Regulations 2017, customer due diligence records, transaction records and associated documentation are generally retained for a minimum period of five years following the termination of the business relationship or completion of an occasional transaction.

Longer retention periods may apply where required by law or where necessary in connection with legal proceedings, regulatory investigations, audits, complaints or the establishment, exercise or defence of legal claims.

Upon expiry of the applicable retention period, personal information will be securely deleted, destroyed or irreversibly anonymised.

10.Information Security

We implement appropriate technical, organisational and administrative safeguards designed to protect personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or unauthorised access.

Access to personal information is restricted to authorised personnel and service providers with a legitimate operational, legal or regulatory need to know. All personnel are required to comply with confidentiality obligations and applicable information security and data protection policies.

While no information system can guarantee absolute security, we continually review and enhance our security controls in line with industry standards and evolving risks.

11.Your Rights

Subject to applicable legal exemptions and restrictions, you may have the right to:

• Request access to your personal information;
• Request rectification of inaccurate or incomplete information;
• Request erasure of personal information where applicable;
• Request restriction of processing;
• Object to certain processing activities;
• Request portability of personal information where legally applicable;
• Withdraw consent where processing is based on consent;
• Lodge a complaint with the Information Commissioner's Office (ICO).

Certain rights may be restricted where processing is necessary to comply with legal obligations, anti-money laundering legislation, fraud prevention requirements, taxation laws, regulatory duties or the establishment, exercise or defence of legal claims.

We normally respond to requests within one calendar month. Where permitted by law, this period may be extended for complex or multiple requests. We may request evidence of identity before responding.

12.Marketing Communications

Where permitted by law, we may send information regarding our services and promotional activities.

You may opt out of receiving marketing communications at any time by contacting us using the details provided in this Privacy Policy.

United Money Services Ltd does not sell personal information to third parties for marketing purposes.

13.Cookies

Our website may use cookies and similar technologies to facilitate website functionality, improve user experience, analyse website performance and maintain security.

Where legally required, non-essential cookies will only be placed following your consent.

Browser settings may be adjusted to disable cookies; however, doing so may affect the functionality of certain areas of our website.

14.Third-Party Websites

Our website may contain links to external websites operated by third parties.

We are not responsible for the privacy practices, security or content of third-party websites. Users should review the privacy policies of those websites before providing personal information.

15.Complaints

If you have any questions or concerns regarding our processing of personal information, please contact us using the details below:

Email: info@unitedmoneyservices.co.uk
Telephone: +44 2034176550

If you remain dissatisfied, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the United Kingdom's independent supervisory authority for data protection.

16.Changes to this Privacy Policy

We reserve the right to amend this Privacy Policy periodically to reflect changes in legislation, regulatory requirements, business practices or operational processes.

The most current version will always be made available on our website. We encourage users to review this Privacy Policy regularly to remain informed about how their personal information is processed.

17.Contact Us

For further information about this Privacy Policy or to exercise your data protection rights, please contact:

Email: info@unitedmoneyservices.co.uk
Telephone: +44 2034176550

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