1. Introduction

Registered Remit ("Registered Remit", "we", "our", or "us") is committed to protecting the privacy and security of the personal information of our customers, website visitors, business partners and other individuals with whom we interact.

This Privacy Policy explains how we collect, use, disclose, store and protect your personal information when you use our website, mobile services or international money transfer services.

Registered Remit is operated by OJHA Enterprises Pty Ltd (ACN 646 685 547) and complies with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and applicable obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

By using our website or services, you consent to the collection and handling of your personal information in accordance with this Privacy Policy.

2. Who We Are

Registered Remit provides international money transfer and foreign exchange services for individuals and businesses.

Our services currently facilitate money transfers from Australia to Nepal, with additional international corridors, including India and other countries, to be introduced as our services expand and subject to applicable regulatory approvals.

Business Details

Registered Business Name: Registered Remit
Legal Entity: OJHA Enterprises Pty Ltd
ACN: 646 685 547
ABN: 70 646 685 547

Registered Office

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

3. Information We Collect

To provide our services safely and comply with Australian laws, we may collect personal information including:

Personal Identification

• Full name
• Date of birth
• Residential address
• Postal address
• Nationality
• Occupation
• Email address
• Telephone number

Government Identification

We may collect copies or details of:

• Passport
• Australian Driver Licence
• Medicare Card
• Australian Visa (where applicable)
• National Identity Card
• Other government-issued identification documents

Financial Information

• Bank account details
• Payment card details (where applicable)
• Source of funds
• Source of wealth
• Transaction history
• Beneficiary information

Beneficiary Information

Where you send money to another person we may collect:

• Beneficiary name
• Address
• Contact details
• Bank account details
• Mobile wallet details
• Relationship to sender

Business Customers

Where the customer is a company or other legal entity we may collect:

• Company name
• ACN or ABN
• Registration details
• Registered office address
• Directors' details
• Ultimate Beneficial Owner (UBO) information
• Shareholding details
• Nature of business

Website Information

When you use our website we may automatically collect:

• IP address
• Browser type
• Device information
• Operating system
• Date and time of access
• Pages visited
• Cookies
• Website usage statistics

4. Why We Collect Your Information

We collect your information to:

• Provide international money transfer services.
• Verify your identity.
• Comply with Australian AML/CTF laws.
• Detect and prevent fraud.
• Screen customers against sanctions and politically exposed person (PEP) databases.
• Process and complete money transfers.
• Communicate with customers.
• Improve our website and services.
• Respond to enquiries and complaints.
• Meet our legal and regulatory obligations.

Where required by law, we may also collect additional information relating to the purpose of your transaction, source of funds, source of wealth and expected transaction activity.

5. Identity Verification (Know Your Customer)

As a regulated remittance provider, Registered Remit is legally required to verify the identity of its customers before providing designated services.

To satisfy these obligations, we collect identification documents and perform customer due diligence using secure electronic verification technologies.

Registered Remit uses Shufti Pro as part of its identity verification process. During this process, information you provide may be securely transmitted to Shufti Pro solely for the purpose of verifying your identity and helping us comply with our legal obligations.

Failure to provide requested identification information may prevent us from establishing or continuing a business relationship or processing your transaction.

6. Anti-Money Laundering and Counter-Terrorism Financing Obligations

Registered Remit is an AUSTRAC-registered reporting entity and complies with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

To meet these obligations, we may collect, use and retain personal information to:

• Conduct customer due diligence (CDD).
• Verify beneficial ownership.
• Assess customer risk.
• Monitor transactions.
• Conduct enhanced due diligence where required.
• Detect suspicious activities.
• Report matters to AUSTRAC where legally required.
• Comply with applicable sanctions laws.

These activities are undertaken as part of our legal obligations and may occur without prior notice where permitted or required by law.