Privacy policy

This Privacy Policy describes the way Seremo, LLC obtains, uses, stores, manages, and disposes of certain information that you, as a user of our services, provide to us. You have certain rights, described below, to know what information we collect, how we use it, and how you may obtain and correct it. Seremo first collects information about you and about the person to whom you are paying (your “Beneficiary”) from the data you supply on the Seremo application (the “App”). When you provide information to Seremo, through the App or otherwise, you are warranting to Seremo that all the information you provide to us about yourself and about your Beneficiary is accurate and complete. Seremo is relying on your warranty when Seremo provides the Service to you. The information you provide includes Personally Identifiable Information,

In addition to the information you provide, Seremo may have, or may obtain from third parties, information about you or your Beneficiary, some of which may be Personally Identifiable Information. More information about these third parties appears below. Seremo uses this information to provide its services to you, and to help protect you, the Seremo service, your Beneficiary and the public from mistakes, fraud, money-laundering and other problems.

Collection of Information The initial information we collect from you is the information that you provide to us on the Seremo App. This includes information about yourself, such as your full legal name, telephone number, email address, as well as other information and/or documentation that will allow us to verify your identity. Seremo may also collect information from your mobile phone or other device from which you access the Seremo App, including your IP (Internet Protocol) address, operating system, device identification information, and other information associated with your access to and use of the App. Seremo may also collect information about the websites you have visited prior to accessing the Seremo service. Seremo may keep and store such information and associate it with your use, to help Seremo identify you and facilitate your use of our service in the future. Seremo may verify and confirm all the information that you provide to us (or that we otherwise collect from your accessing the Seremo App) with third parties, including the financial institution that issued the payment card you propose to use, and the telecommunications company or financial institution through which your money is sent to your Beneficiary. Seremo may also verify such information with appropriate verification services, electronic databases, social media companies and credit reporting agencies. Seremo may share your information with the banks, telecommunications providers and other financial services firms who facilitate payment to your Beneficiary. From time to time,

When you access the Seremo app, Seremo may collect and store information regarding your use of the App and the service. This includes information about the frequency with which you access the App, the time you spend there, the way you move through the site, your transfer history, and details regarding the amount of money you transfer and your Beneficiaries.

If you contact us for any reason, whether by telephone, email, text or otherwise, Seremo may record and store communications that you have with us. Use of Information

Seremo may maintain and use all of the information and documentation that you provide, as well as information that we derive from your use of the service, and the information that we obtain about you from third parties, in order to provide the Seremo service to you , and to enable Seremo to comply with laws and regulations, including those intended to prevent fraud, money laundering, and other abuses of the financial system. Seremo may use your information to contact you as necessary to confirm or complete a transaction, and to allow our agents, partners, and service providers to fulfill their obligations in providing the Seremo service to you. Seremo may also use your information to improve our service, to troubleshoot problems, to develop new products and services, and to create advertising, marketing, and promotional campaigns.

Seremo will not sell, rent, or otherwise disclose your information to third party marketers or others unaffiliated with Seremo for the purpose of advertising, promoting, or selling other services to you. However, where and to the extent allowed by law, Seremo may work with third parties to analyze the information that we gather from you when you visit us on-line, including our website, our Facebook page, and our Facebook advertisements, whether you use the Seremo service. Seremo may use the information we gather there, along with the information we obtain from your use of our service, which may include Personally Identifiable Information, to advertise and promote Seremo services to you and to others. For example, Seremo provides data to Facebook's Ad Manager account and SDK programs, which provide us with information about the ways customers and other visitors access, view and use the Seremo website and application. We use that information to create advertisements and promotions; such advertisements and promotions may appear in your Facebook feed or on other sites owned or operated by Facebook, such as Instagram. We may customize our marketing and promotional messages to you based on your use of our service, the information that you provide to us or which we otherwise obtain about you, and algorithms designed to help us anticipate your potential needs, based on your information and the information of others who use Seremo services. Seremo believes that such programs provide valuable information and benefits to our current and potential users. However,

Protection of personal information collected by Wave

Seremo's leading security experts and practices help ensure that your Personally Identifiable Information is secure. All such information is stored on servers with state-of-the-art data protection technology, and is accessible only to Seremo employees who, for business purposes, need to access it. We use third parties such as Dwolla or Currency Cloud hold and encode your bank information while using Seremo app, a process that overwrites your details so that they are unreadable by unauthorized parties. No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Although Seremo uses strong methods to protect the data that you provide to us, and we regularly test our information protection practices and technology, Seremo cannot absolutely guarantee its security. We will, however, Use of Cookies and other Tracking Devices.

Seremo uses “cookies” and other tracking devices to help us recognize you, remember your preferences and facilitate your future transactions and other interactions with us. We also use such tracking devices to help us understand consumer behavior on our App, to help us improve it and make it easier for future use. You may be able to disable your device's use of cookies, but that may slow or prevent your ability to use the Seremo service. Your Right to Access and Correct Your Personal Information

Your Right to Access and Correct Your Personal Information You have the right to access your personal information stored by Seremo, subject to applicable laws and in accordance with relevant data protection regulations and Seremo's policies intended to prevent fraud and other abuses of financial services. To do so, you can contact us at compliance@seremo.com. If the information Seremo has maintained about you is wrong, incomplete, or otherwise inaccurate, you have the right to require Seremo to correct it or correct the information yourself directly in the App. Destruction of Information

In general, Seremo maintains information about each transaction for five years. After that period, Seremo may destroy such information, and it will no longer be available to you or anyone else. However, there may be circumstances in which Seremo is required to maintain information for longer periods, if required by law or regulation. Privacy Policy Changes

Seremo's privacy policy may change in the future. If that happens, the revised version will be posted on our website, www.seremo.com, and will be sent to current users via the email addresses associated with their Seremo App registrations.