PMCT Accountants & Consultants is committed to respecting and protecting a service user’s privacy and to this effect we have stated our commitment in this policy. We value your trust and want you to understand how we protect, collect, use and disclose personal and or business information you share with us.
• What personal information is collected whenever you use our services
• How data provided is used for processing your request and shared with others (if applicable)
• Our security procedures that protects you against loss or misuse of data under that we manage
• Your right and choices regarding collection, use and distribution of the information
• How to ensure that inaccuracies of data submitted are corrected.
We use SSL (Secure Sockets Layer) and other technologies to help protect a service user identity and personal information. Our online security process may require you to re-verify your identity from time to time including requesting that your password be changed every four (4) months.
What we collect
In order to use the services offered on this website you must first complete our customer registration form. During registration you are required to provide contact information such as phone number and email address, and other personally identifiable information such as address.
This information is used to facilitate financial transactions between individuals, and may be used periodically to inform you of transaction history or other details pertaining to your account.
The type of personal information we collect depends on our needed uses such as to process remittance transactions, type of products and services requested by you, and the level of administration required that meets our obligation to you and our regulators. Personal information includes contact details such as name, address, telephone number, email address, financial data including bank account and debit/credit card if paying by plastic card. Under specific conditions and with your consent, we may collect evidential data in the process of meeting compliance and regulatory requirements and these may be in the form of confirming identity as per your passport, driving license, government identification number, date of birth, and where applicable about your source of income as permitted or required by law.
Generally, personal information is collected from you whenever you complete or amend our registration form, undertake transaction, query transaction status, telephone to request for product and service, or visit our website to request information.
Where you provide information about others such as Beneficiaries, relatives or friends you must ensure that you have their consent or are otherwise entitled to provide this information to us.
How we use data
We use personal information to complete your transaction, administer solution for problems that may arise in effecting your transaction, to better understand and manage our ongoing relationship with you, to assure you of continued good service, prevent potential prohibited or illegal activities such as fraud and abuse of money laundering rules in performance of our duties as permitted or required by law.
Additionally, PMCT Accountants & Consultants store personal information for other purposes including managing our ongoing relationship with you such as verification and risk management. In accordance with applicable permitted laws we may merge personal information with public information or other information received from reputable external firms to update your general personal data on our database, for instance to enhance demographic profiles.
We may pass your information collected to a Partner bank that provide payment services or others acting as our payment agents on the understanding that they will only access information to make payments to your intended Beneficiaries and in all cases they will keep the information confidential.
If we ever transfer your information to an Agent or Beneficiary payment bank located in another country, we will make sure that they agree to apply the same levels of protection as we are required to apply to your information and to use your information strictly in accordance with our instructions for payment only.
Periodically we may request information from you via surveys. Participation in these surveys is completely voluntary. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this website. We will not use any third party to conduct these surveys.
If you elect to use our referral service for informing a friend about our website, we will ask you for your friend’s name and email address. PMCT Accountants & Consultants will automatically send your friend an email invitation to visit www.gesmoney.com. We store this information for the sole purpose of sending an email and tracking the success of our referral program. Your friend may contact us at firstname.lastname@example.org to request the removal of this information from our database.
Who we share information with
We may share information as described above, with our payment banks and agents to assist us in our business activities for the uses described in “How we use data”, and for other purposes as permitted or required by applicable law and international conventions and treaties.
Disclosures permitted or required by law and international conventions and treaties may include cooperation with criminal or government investigations, fraud prevention and detection, and responses to a court order or subpoena.
PMCT Accountants & Consultants may disclose some or all of the personal information to service providers for the purposes of processing requested transactions or to perform business support functions on our behalf. Our agreements with these service providers contain confidentiality provisions and restrictions on using this information for any other purpose. PMCT Accountants & Consultants agents are bound by appropriate data safeguarding obligations and are prevented from using any accessed data for promotional purposes.
We do not sell your information to third parties. We rely on trusted partners to fulfil your request to transfer funds and also to verify your identity if needed. We may use financial institutions to deliver funds to Beneficiaries and provide assistance to our customers. Our agreements with third parties are written to ensure your personal information is protected in a manner prescribed within our Private Policy. In general, we will not disclose your personally identifiable information to a third parties except to the extent necessary to:
• Provide you and your associates with our offered products or services
• Process funding transactions including remittances and deposits
• Prevent fraudulent activities such as money laundering
• Comply with any applicable law, regulation, or legal compliance process
• Protect or enforce our rights or the rights of third party service providers.
Supplementation of Information
As services providers we may rely on third parties for information to enable us properly meet our obligations including soliciting third party assistance regarding verification of your source of income and funding.
Privacy Practices of Third Parties
so at your own risk. In most cases, links point to information on services that may be useful to you and is an endorsement of approval from PMCT Accountants & Consultants.
Accuracy and Access
PMCT Accountants & Consultants wants to ensure that the information we obtain and use about you is accurate for its intended purpose and therefore we have processes to help maintain the accuracy of the personal information we collect. We encourage you to review your data and can request amendment to your personal information or help us maintain accurate records by using one of the methods listed under “Contacting PMCT”.
We will also take reasonable steps to verify your identity before granting you access or enabling you to make corrections. We hereby assume that email account used for registration login details and answers to your personal data are only known to you as these would be used as part of our personal verification process. PMCT Accountants & Consultants will retain personal information only for the time period needed for business purposes which presently is 6 years or as required by law and will ensure secure destruction thereafter.
Personal Information – Data Security
PMCT Accountants & Consultants uses physical, electronic and procedural security measures to protect against data and financial loss, misuse and alteration of personal information under our control. PMCT Accountants & Consultants uses industry standard practices and security measures to safeguard such personal and financial data.
When you apply for a product or service from PMCT Accountants & Consultants personal information that you provide will only be used for the purposes described at the time of your application and where applicable in the terms and conditions that apply to the relevant product or service.
PMCT also collect, store and process your personal information to:
(a) Personalise aspects of our overall service to you and to aid your decision making process;
(b) To facilitate periodic communication with you;
(c) Learn about your usage experience and to aid effectiveness of managing and providing tailored services as per your request;
(d) We will use your personal information to manage your account(s) and provision of services, for assessment and prevention of risk; and
(e) To facilitate analysis aimed at developing market trends and to improve our services to you.
We may retain information about you and your account for up to 6 years after your account is closed in compliance with applicable laws. We will not disclose any such information outside of PMCT except:
(a) To fraud prevention agencies and other organisations who may use the information to prevent fraud and money laundering;
(b) To persons acting as our payment banks or agents under a strict code of confidentiality;
(c) To anyone to whom we transfer or may transfer our rights and duties under our terms and conditions with you; and
(d) As required by law, compliance function or regulation as an undertaken. When requested by a court of competent standing we are bound to make disclosure.
If we transfer your information to a service provider or agent in another country we shall ensure that the service provider or agent agrees to apply the same levels of protection as is required of PMCT Accountants & Consultants under applicable laws and also to use your information only for the purpose of providing required service under our terms of engagement.
Preventing Identity Theft
PMCT Accountants & Consultants is dedicated to protecting your personal information. We will never initiate a request for personal or financial information from you by telephone, fax, text or email. Please do not send personal information such as passport numbers, driving license id, government identification numbers, or account numbers to PMCT Accountants & Consultants for our request for data would only be made at the point of registration and undertaking transaction. You may send personal confidential information to PMCT Accountants & Consultants via posted mail to stated postal address below.
Do not be misled by emails that appear to be from us and ask for personal information. If you receive a suspicious email requesting your personal information, please forward the email immediately to email@example.com. We shall ensure your email is sent to appropriate authorities for tracking and monitoring.
We will never send you email requesting that you click a link to access our service. We advise that you directly access our website using www.pmctaccountants.com and proceed to your required service.
Other Websites Linked to PMCT Accountants & Consultants Websites
Internal Access Controls
For questions concerning our website Security and Privacy, please contact us at firstname.lastname@example.org.
Your Responsibilities to Your Privacy
It is expected and should be part of every consideration to remember and understand that protection of your privacy begins with you. You are solely responsible for maintaining secrecy of your login details including any password you use on www.gesmoney.com and you should always be careful and responsible whenever disclosing such information. You will be held solely responsible for activity in your account that results from your failure to keep your password secure.
Your liability and responsibility to us extends beyond compromising your login details. If you breach your privacy responsibility and consequences impacts PMCT Accountants & Consultants negatively you will be held responsible until we are fully indemnified of losses and sufferings.
You must remember that details about your remittance activities are only known to you and therefore you are solely responsible for safe keeping and disclosure of your financial transaction. PMCT Accountants & Consultants and our agents cannot be held liable should your financial transactions details be compromised or for any act(s) that allows another to impersonate your Beneficiary for payment collection.
If your personal identifiable information does change, or if you no longer desire our service, you may update your record by making the change on our Customer Registration page or by contacting us by telephone, email or postal mail at the contact information listed below.
Address:Unit 322b, Ability House, 121 Brooker Road, Waltham Abbey, EN9 1JH
Phone: (++44)208 8855 200
Proficient Management Consulting and Training (PMCT) specialise in accounting, consulting and training services. We are committed to providing you with an end-to-end integrated services, IT solutions and products that meets personal and businesses unique requirements.
PMCT specialise in Accounting Services, Taxation, Consultancy, Risk Management, Software Solutions, Data Management, Financial Product Development, Risk Management, Compliance & Regulatory Reporting, OTC Financials, Emerging Markets and Training.
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