Privacy notice

For the person sending and the person collecting:

• Full name, and date of birth where we hold it.
• Phone number, as a dialling code and a national number. This is how we find you and how a transfer reaches the right person.
• The country and town, and a street address where you have given one.
• An e-mail address, if you gave one.
• The type and number of an identity document, and its expiry date, where the amount or the law requires it.

For each transfer:

• The amount, the currencies, the rate and the fee applied, and the corridor it travelled.
• How the money was paid in, and how it was paid out: cash at a counter, a mobile money number, or a bank account.
• The branch and the member of staff who booked it, and the one who paid it out.
• The reference, the pickup code while it is unpaid, the purpose you stated, and any note a member of staff added.

Where the law or the amount requires us to verify who you are, we keep an image of the identity document you presented, front and back, and in some cases a photograph of you holding it. Where you paid into our bank account we keep the slip or the screenshot you sent us. Where we pushed money to a phone or a bank account we keep the operator's confirmation, which is what we produce if a beneficiary says nothing arrived.

These files are stored privately, not on the public internet. When a member of staff opens one, the link that shows it expires after a few minutes and cannot be forwarded or bookmarked.

• When you sign in: the time, and the address your device connected from.
• A code sent to your phone by SMS, so we can confirm the number is yours. The code is short-lived and is not reusable.
• A notification token for your device, if you allowed notifications, so we can tell you when your money has been collected. It identifies the device, not you.
• On this website, nothing about you. There is no advertising tracker and no analytics cookie on these pages.

• The mobile money operator or the bank that carries the payment. They receive the beneficiary’s name and number, because that is how the money reaches them.
• The company that delivers our SMS messages, which receives your phone number and the message.
• Our own staff, and only the part their work needs: a cashier at a counter sees the transfer in front of them, not the whole book.
• The South African Financial Intelligence Centre, the Reserve Bank, the tax authority and their equivalents in the countries we pay out in, where they are entitled to ask.
• A court or the police, where we are ordered to produce something.

We do not sell your information, we do not rent it, and we do not pass it to anybody who wants to advertise to you.

Money transfer records and the identity documents behind them are kept for five years after the transfer, which is the period South African anti money laundering law requires of us. We cannot delete them before then, even at your request, and we would be breaking the law if we did.

After that period we remove what we no longer have a reason to keep. An account you have stopped using is closed rather than erased where it is attached to transfers we must still be able to account for.

• Ask what we hold about you, and get a copy of it.
• Have something corrected if it is wrong. A misspelled name on your file is worth fixing before it stops a payout.
• Have deleted what we are not required to keep.
• Object to how we are using something, and ask us to explain the reason we rely on.
• Complain to the Information Regulator of South Africa if our answer does not satisfy you.

Write to nuruexpressagency@gmail.com with your phone number and, if you have one, a transfer reference. We answer within 30 days. There is no charge for asking.