Policy purpose

We at Qarni Express are committed to protecting your privacy and this privacy policy sets out the use we make of any your information that we may obtain by the use of our site. This policy (together with our user terms and conditions and any other documents referred to in it) sets out the basis on which any personal data we collect from you, or that you provide to us, through the Site will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By visiting the Sites, you are accepting and consenting to the practices described in this policy.

What we collect

You may give us information about you by filling in forms on our site or to our agent. This includes (but is not limited to) information you provide when you register in order to use our transfer money using service 

The information you give us may include:

• Name, address, job title and email address
• Date of birth
• Phone number
• Financial information (i.e. bank statement)
• Payment reason
• Geographic location
• Copies of identification
• Proof of address

Storage, security and retention of your Personal Data

Personal Data that we collect is stored on our servers which may be located outside the EEA and may also be processed by staff operating outside the EEA.  We implement and maintain the highest levels of security to protect any information stored on our servers and to comply with all local rules. We have a number of security measures in place to protect your information you provide to us through our Sites against unauthorized disclosure, use, alteration, or destruction. 

It is your responsibility to keep your password secure.  You should also be aware that the transmission of information via the Internet is not completely secure.  Although we will do our best to protect your Personal Data, we cannot guarantee the security of Personal Data transmitted to our site outside our control.

We strive to collect no more Personal Data than is required. This helps reduce the total risk of harm should data loss or a breach in security occur.

International Transfers

The information that we collect from you and about you may be transferred to, and stored at a destination outside the European Economic Area ("EEA") (which may not offer the same level of data protection).  It may also be processed by Qarni Express or a supplier’s staff operating outside the EEA (including third party product issuers). Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. By submitting your information, you agree to this transfer, storing or processing of your information outside of the EEA. We will take reasonable steps to ensure that such information is treated securely and in accordance with this Policy, but please be aware that countries which are outside the EEA may not offer the same level of data protection.

Notification in the event of breach

It would be very unlikely, but if a breach in the security of Personal Data were to occur, we will notify you if you are actually or potentially affected. In this event we will contact you via email, in-Service messaging or publication on qarniexpress website.  We reserve the right to delay notification if it is asked to do so by law enforcement or other authorities, or if giving notice immediately will increase the risk of harm to end-users overall.

How we use the information we collect

We may use your information (which may include your information combined with information from third party sources) for the following purposes:

• collecting payment, processing and fulfilling your order and otherwise providing you with the information and Qarni Express you may request from us;
• complying with our legal and regulatory obligations (including fraud prevention, anti-money laundering and sanction screening). This may include checking the information you provide to us against information from other sources; 
• enforcing any contract entered into between you and us for the provision of Qarni Express Services;
• contacting you (including by email or SMS) with marketing messages according to your marketing preferences;
• providing you with any alerts, in App messages or other messages, and newsletters that you have registered to receive;
• providing you with service messages, including messages notifying you about changes to Qarni Express Services or changes to our terms, conditions and policies;
• improving customer experience and our quality of Qarni Express Services;