Privacy Policy

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.

This privacy policy applies to personal information we obtain anytime you interact with PMCT Accountants & Consultants such as when you visit our website at www.gesmoney.com, complete registration and transaction forms, query status of your transaction or contact PMCT Accountants & Consultants by phone, fax or email. We want to ensure you are aware of our practices for collecting and processing personal information, which is information about a person that can be used to identify that person.

PMCT Accountants & Consultants is committed to safeguarding the privacy of your information. By “your information” we mean any information about you, which you or third parties provide to us. This policy relates to the privacy of your information at www.gesmoney.com. PMCT Accountants & Consultants Privacy Policy outlines our commitment to secure and responsibly manage information about our customers and visitors to our websites.

General Principles and Your Acceptance of PMCT Privacy Policy

If you are a personal or business (including authorised persons on a business account) customer of PMCT Accountants & Consultants, the way in which information about you is held and used is described in sections under our Privacy Policy. By using PMCT Accountants & Consultants website and services, you signify your acceptance of the use of your information in the manner described in this Privacy Policy and the Terms and Conditions.

Our Privacy Policy provides you with the measures we take so you can make informed decisions about participating in services. This Privacy Policy covers visits to our website and use of our services including:
• 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 will retain information collected about you and or your business for as long as permitted for legitimate business purposes. We store your information in a protected electronic environment and we allow only authorised PMCT Accountants & Consultants personnel access to this information. Access to read only information is provided to our members and Agents to undertake remittance functions and render services as promised. In addition, PMCT Accountants & Consultants personnel are trained on our Privacy Policy and would be held accountable to the Privacy Policy if breached. Personnel violating these policies may be subject to disciplinary action including outright dismissal.

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 customersupport@pmctaccountants.com 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.

If PMCT Accountants & Consultants becomes involved in a merger, acquisition or any form of sale of some or all its assets, we may disclose personal information to third parties in connection with the evaluation of the transaction. The surviving company would have access to your personal information which would continue to be subject to this Privacy Policy.

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

PMCT Accountants & Consultants third party linkages to our website but we are not responsible for third parties websites contents, practices, privacy policy and that links to our website is not an endorsement of any third party offering. Should you choose to visit these third party websites using links displayed you do
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.

These sites are governed by their own privacy policies and you are encouraged to review their privacy policy as part of your due diligence and responsibility before providing them with personal information.

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.

Access to personal information is restricted to employees and service providers who need to have access to specific information according authorised functionality as described in this Privacy Policy and in compliance with applicable laws. Our service providers are required to observe standards defined for security, collection, use and sharing of personal information in a manner that do not breach stated Privacy Policy and with applicable laws.

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 customersupport@pmctaccountants.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.

Browsing

When you use our websites we automatically collect certain standard technical information through use of cookies. For instance we shall ascertain the country and where possible specific location of a user attempting to access our website. Under certain conditions where it is not possible to derive certain basic values about location of a user, we may deny you access should authentication fail. We use this type of technical information to improve our website, to make our website function correctly, and to better understand how visitors use our website. As part of our efforts to protect customers from fraud, this information is also used to authenticate users to the website objectives, if necessary.

Other Websites Linked to PMCT Accountants & Consultants Websites

PMCT is not responsible for the content or information application by other websites that are linked to or from this website. In most cases, links are provided as pointers to information on services that may be useful to users and links to this website should not be interpreted as an endorsement by PMCT Accountants & Consultants. These sites are governed by their own privacy policies and you are encouraged to review their privacy policy before providing them with personal information.

Internal Access Controls

PMCT Accountants & Consultants will not use or share personal information provided to us in ways incompatible with our Privacy Policy. We restrict internal access to personal information to those employees who require such information to perform their jobs. All employees are trained on our Security and Privacy Policies. An employee’s failure to abide by these policies constitutes grounds for immediate disciplinary consideration including dismissal.

For questions concerning our website Security and Privacy, please contact us at customersupport@pmctaccountants.com.

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.

Changes to PMCT Accountants & Consultants Privacy Policy

Should it become necessary to make any change to our Privacy Policy we will post advance notice on this website for 7 days before the change takes effect. If the change is of legislature or one imposed by a regulator or Government then stated 7 days notice will not apply.

If we are going to use personally identifiable information in a manner different from that stated at the time of collection, we will notify you via email. If we do not receive any objection within 48 hours or you continue to use our services we reserve the right to assume an indication of your consent to use your information in accordance with the updated Privacy Policy.

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.

If you have questions or concerns regarding this policy, you should first contact us using the methods listed below under ‘Contacting PMCT Our About Privacy’. This website will always contain the most current privacy policy. This policy was last updated 01 October, 2011.

Contacting PMCT About Our Privacy Policy

This privacy statement applies to transactions and queries originating from our system. If you have questions about PMCT Accountants & Consultants website content and privacy policy, or believe that we have not acted within the spirit or letter of it, including how your personal information is used, about how to exercise your right of access, rectification and objection as per applicable law, please send an email to customersupport@pmctaccountants.com or write to:

Privacy Administrator
Unit 131 Tudorleaf Business Centre
2 – 8 Fountayne Road
London.
N15 4QL
Phone: (++44)208 8855 200
Email: customersupport@pmctaccountants.com.

 

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