1. Introduction

Registered Remit ("Registered Remit", "we", "our", or "us") respects your privacy and is committed to protecting your personal information.

This Mobile App Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you download, install, register for, or use the Registered Remit Mobile Application ("App").

This policy should be read together with our Website Privacy Policy, User Agreement, and Terms & Conditions.

Registered Remit is operated by OJHA Enterprises Pty Ltd (ACN 646 685 547) and complies with the:

• Privacy Act 1988 (Cth)
• Australian Privacy Principles (APPs)
• Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)
• Other applicable Australian privacy and financial services legislation.

2. Information We Collect

To provide secure international money transfer services, we may collect the following information.

Personal Information

• Full name
• Date of birth
• Residential address
• Email address
• Mobile phone number
• Nationality
• Occupation

Identity Verification Information

To comply with AML/CTF laws we may collect:

• Passport
• Australian Driver Licence
• Medicare Card
• National Identity Card
• Visa information (where applicable)
• Selfie or facial verification
• Proof of address
• Source of Funds documents
• Source of Wealth information
• Other documents required by law

Identity verification may be conducted electronically using Shufti Pro.

Financial Information

We may collect:

• Bank account details
• Payment information
• Transaction history
• Beneficiary details
• Currency preferences
• Payment references

We do not store your complete payment card details unless permitted by law and securely handled by authorised payment service providers.

Device Information

When you use our App we may automatically collect:

• Device model
• Operating system
• Device identifier
• IP address
• Mobile network
• Browser type
• App version
• Crash reports
• Diagnostic information

Location Information

Where you grant permission, the App may collect your approximate location to:

• Detect fraud
• Improve account security
• Meet regulatory obligations
• Prevent unauthorised access

Location information is collected only where necessary and permitted by your device settings.

App Usage Information

We may collect information regarding:

• Login history
• Device sessions
• Transactions initiated
• Beneficiaries added
• Preferences
• Security events
• Customer support interactions

3. How We Use Your Information

Your information is used to:

• Create and manage your account.
• Verify your identity.
• Process international money transfers.
• Comply with AML/CTF laws.
• Detect fraud and financial crime.
• Screen customers against sanctions lists.
• Protect customer accounts.
• Improve our App and services.
• Respond to enquiries.
• Meet legal and regulatory obligations.

4. Identity Verification

Registered Remit is legally required to verify customer identities before providing money transfer services.

Identity verification may include:

• Document verification
• Facial recognition
• Liveness detection
• Database verification

These services may be provided through Shufti Pro and other approved service providers.

Failure to provide requested information may prevent us from providing our services.

5. Anti-Money Laundering Compliance

As an AUSTRAC-registered reporting entity, Registered Remit may collect and retain information for:

• Customer Due Diligence (CDD)
• Enhanced Due Diligence (EDD)
• Ongoing transaction monitoring
• Suspicious Matter Reporting
• Sanctions screening
• Politically Exposed Person (PEP) screening
• Compliance investigations

Where required by law, we may disclose information to AUSTRAC or other competent authorities.

6. Sharing Your Information

We may disclose your information to:

• Banking partners
• Overseas payment partners
• Identity verification providers
• Payment processors
• Technology providers
• Cloud hosting providers
• Professional advisers
• Regulators
• AUSTRAC
• Law enforcement agencies
• Courts where legally required

We do not sell your personal information.

7. International Transfers of Information

As we provide international money transfer services, some personal information may be transferred to overseas recipients, including financial institutions and payment partners, solely for the purpose of processing your transactions and complying with applicable legal requirements.

We take reasonable steps to ensure that overseas recipients protect your information in accordance with applicable privacy laws.

8. Data Security

Registered Remit maintains appropriate technical and organisational security measures, including:

• Encryption of sensitive information.
• Secure cloud infrastructure.
• Firewalls.
• Access controls.
• Multi-factor authentication.
• Continuous monitoring.
• Regular security reviews.

While we take reasonable steps to protect your information, no method of electronic transmission or storage can be guaranteed to be completely secure.

9. Data Retention

We retain your personal information only for as long as necessary to:

• Provide our services.
• Comply with legal obligations.
• Meet regulatory requirements.
• Resolve disputes.
• Enforce our agreements.

AML/CTF records are generally retained for at least seven (7) years, or longer where required by law.

10. Your Rights

Subject to applicable laws, you may:

• Request access to your personal information.
• Request correction of inaccurate information.
• Update your contact details.
• Withdraw certain consents where legally permissible.
• Make a privacy complaint.

Some requests may be limited where we are legally required to retain information.

11. Children's Privacy

The Registered Remit App is intended for individuals aged 18 years or older.

We do not knowingly collect personal information from children.

12. Push Notifications

The App may send notifications relating to:

• Transaction status
• Security alerts
• Compliance requests
• Service announcements

You may manage notification settings through your mobile device. However, disabling certain notifications may affect your ability to receive important account or security updates.

13. Changes to This Policy

We may update this Mobile App Privacy Policy from time to time to reflect changes in our services, legal requirements, or business operations.

The latest version will always be available through our website and mobile application.

Your continued use of the App following any updates constitutes acceptance of the revised policy.

14. Contact Us

If you have any questions, requests, or complaints regarding this Mobile App Privacy Policy, please contact:

Registered Remit
OJHA Enterprises Pty Ltd
Registered Office
Office 8, 95 Bell Street
Coburg VIC 3058
Australia

General Enquiries: [insert general enquiries email]
Compliance: [insert compliance email]
Phone: +61 424 451 758
Website: https://www.registeredremit.com.au

Document Control

Document Title: Mobile App Privacy Policy
Business: Registered Remit (OJHA Enterprises Pty Ltd)
Version: 1.0
Effective Date: 9 July 2026
Review Date: July 2027
Approved By: Director