2. What information do we collect from you?
 

We may collect, use, store and transfer different kinds of personal data about you which we have grouped together as follows:

• Identity Data includes first name, maiden name, last name, marital status, title, date of birth, language spoken, nationality and/or citizenship.

• Employment Data name of employer or nature of your relationship with the client using our services (for example, if you are a director or shareholder of your company), and job title.

• Background Check Data includes information about criminal convictions and offences, information contained in identification documents, and other relevant "know your customer" checks information (such as financial information).

• Contact Data includes work and residential address, email address and telephone numbers.

• Financial Data includes bank account and payment card information.

• Transaction Data includes details about your incoming and outgoing payments, transactional counterparties, other relevant information pertaining to these transactions. 

• Technical Data includes internet protocol (IP) address, your login information, browser type and version, time zone setting, location, browser plug-in types and versions, and operating system.

• Profile Data includes your username and password, your preferences, and feedback and survey responses.  

• Usage Data includes information about how you use our website and services.

• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties, and your communication preferences.

We may receive information about you if you use any of the other websites we operate or the other services we provide.

We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data could be derived from your personal data but is not considered personal data in law as this data will not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we treat the combined data as personal data which will be used in accordance with this privacy policy.

We do not collect any Special Categories of Personal Data about you (this includes details about your race or ethnicity, religious or philosophical beliefs, sex life, sexual orientation, political opinions, trade union membership, information about your health, and genetic and biometric data). However, we do collect information about criminal convictions and offences.

If you fail to provide personal data

Where we need to collect personal data by law or to comply with our regulatory obligations (such as to carry out "know your customer" checks) or under the terms of a contract we have or are trying to enter with you, your business or employer and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you, your employer or business. In this case, we may have to decline to provide or cancel the relevant service but we will notify you and/or your business or employer if this is the case at the time.
 

3. How do we collect your data?

We use different methods to collect data from and about you including through:

• Direct interactions. You may give us any of the data listed above by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:

• register with us;

• subscribe to our service or publications; 

• use our services;

• request marketing or information about our services to be sent to you; or

• give us feedback or contact us for any reason. 

• Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.

• Third parties or publicly available sources. We are also working closely with third parties (including service providers, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, and credit reference agencies) and may receive and exchange information about you with them. We may also receive information about you from your employer or business in connection to an application for or use of our services. If you receive a payment from a client using our services, then they will provide your information to us to facilitate the payment.
   

4. What we do with your data?

We will only use your personal data when the law allows us to. Most commonly, we will use your personal data in the following circumstances:

• Where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests.

• Where we need to comply with our legal and/or regulatory obligations.

• In limited circumstances, with your explicit consent. Where we rely on consent, you have the right to withdraw your consent at any time by contacting us.

Purposes for which we will use your personal data

We have set out below, in a table format, a description of the ways we plan to use your personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.

Note that we may process your personal data for more than one lawful ground depending on the specific purpose for which we are using your data. Please contact us if you need details about the specific legal ground we are relying on to process your personal data where more than one ground has been set out in the table below.

Marketing

We strive to provide you with choices regarding certain personal data uses, particularly around marketing and advertising.

Promotional Offers

We may use your Identity, Contact, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing).

You will receive marketing communications from us if you have requested information from us or purchased services from us and you have not opted out of receiving that marketing.

Opting out

You can ask us or third parties to stop sending you marketing messages at any time by following the opt-out links on any marketing message sent to you or by contacting us using the contact details above.

Cookies

You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies. If you disable or refuse cookies, please note that some parts of this website may become inaccessible or not function properly. For more information about the cookies we use, please see 3S Money Club Limited Cookie Policy.

Change of purpose

We will only use your personal data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to get an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your personal data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Please note that we may process your personal data without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
 

5. Disclosures of your personal data

In order to deliver our services, your personal data may also be transferred to the following third parties:

• Other companies in the 3S Money Club Group and who are based in Luxembourg and Singapore and provide communication, compliance, IT and system administration services and undertake analytics and reporting. 

• Service providers that may be acting as processors or controllers based in United Kingdom or the European Union who provide IT, system administration, identification and two-factor authentication services.

• Professional advisers including lawyers, bankers, auditors and insurers based in the United Kingdom, the European Union, Singapore and United Arab Emirates who provide consultancy, banking, legal, insurance and accounting services.

• HM Revenue & Customs, regulators and other authorities based in the United Kingdom, the European Union (including European Union authorities), Singapore, and United Arab Emirates.

• Law enforcement agencies, judicial bodies, government bodies, and tax authorities.

• Third-party credit reference agencies, in circumstances where we may need to assess creditworthiness.

• KYC-AML partners to facilitate your onboarding as a client.

• Our banking partners to provide you with necessary services.

• FX brokers to provide you with forex services

• Third parties to whom we may choose to sell, transfer or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy. 

• Other third parties where we are permitted by law to share your personal data, it is in our legitimate interests or those of a third party, and it is not inconsistent with the purposes outlined above.

We require all third parties to respect the security of your personal data and to treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.
 

6. International transfers

We take the security of your data very seriously, and all of your personal data will be kept according to strict safeguards and in compliance with the UK GDPR and EU GDPR (as applicable). We share your personal data within the 3S Money Club Limited Group. Your data will be stored on cloud servers within the UK and EEA and we will only store or transfer your data outside the UK or EEA in the event that:

• the jurisdiction in question has been assessed as providing an adequate level of protection for personal data; or

• we have entered into a contract with the entity to which we transfer your personal data to ensure that it is adequately protected.

Please contact us if you want further information on the specific mechanism used by us when transferring your personal data out of the UK or EEA.
 

7. Data security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorised way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.
 

8. How long we will keep your data for?

9. Your legal rights

Under certain circumstances, you have rights under data protection laws in relation to your personal data. 
These include the right to:

Be informed about what personal data we hold and how we are using it. This information is contained within this privacy notice.
 
Request access to your personal data (commonly known as a "data subject access request"). This enables you to receive a copy of the personal data we hold about you and to check that we are lawfully processing it. You can do so, by making a ‘subject access request’ to us. 

Request correction of the personal data that we hold about you. This enables you to have any incomplete or inaccurate data we hold about you corrected, though we may need to verify the accuracy of the new data you provide to us.

Request erasure of your personal data. This enables you to ask us to delete or remove personal data where there is no good reason for us continuing to process it. You also have the right to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Object to processing of your personal data where we are relying on a legitimate interest (or those of a third party) and there is something about your particular situation which makes you want to object to processing on this ground as you feel it impacts on your fundamental rights and freedoms. You may always object to further use of your data for direct marketing purposes by clicking the “unsubscribe” button within marketing emails or by contacting us by writing to us at [email protected]. In some cases, we may demonstrate that we have compelling legitimate grounds to process your information which override your rights and freedoms.

Request restriction of processing of your personal data. This enables you to ask us to suspend the processing of your personal data in the following scenarios:

• If you want us to establish the data's accuracy.

• Where our use of the data is unlawful but you do not want us to erase it.

• Where you need us to hold the data even if we no longer require it as you need it to establish, exercise or defend legal claims. 

• You have objected to our use of your data but we need to verify whether we have overriding legitimate grounds to use it. 

Request the transfer of your personal data to you or to a third party. We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format free of charge and on request. Note that this right only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.

Withdraw consent at any time where we are relying on consent to process your personal data. However, this will not affect the lawfulness of any processing carried out before you withdraw your consent. If you withdraw your consent, we may not be able to provide certain products or services to you. We will advise you if this is the case at the time you withdraw your consent.

If you wish to exercise any of the rights set out above, please contact us 3S Money Club Limited, 45 Folgate Street, London, England, E1 6GL; by telephone on +44 2038079645; or by emailing [email protected].

Should you be dissatisfied with our response or wish to complain to the relevant supervisory authority, you can do so by contacting the Information Commissioner’s Office (ICO). Contact details for the ICO can be found on this webpage. If you are in the EEA, you can contact the relevant data protection supervisory authority in the EEA state of your habitual residence, place of work or of an alleged infringement of data protection laws in the EEA.

No fee usually required

You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we could refuse to comply with your request in these circumstances.

What we may need from you

We may need to request specific information from you to help us confirm your identity and ensure your right to access your personal data (or to exercise any of your other rights). This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it. We may also contact you to ask you for further information in relation to your request to speed up our response.

Time limit to respond

We try to respond to all legitimate requests within one month. Occasionally it could take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated.
 

1. About Us

Purpose of this privacy policy

This privacy policy aims to give you information on how 3S Money Club Limited (DIFC Branch) collects and processes your personal data through your use of this website and our services, including any data you may provide through this website when you process payments, take actions relating to your account, communicate with our client managers and during the onboarding process.

It is important that you read this privacy policy together with any other privacy policy or fair processing policy we may provide on specific occasions when we are collecting or processing personal data about you so that you are fully aware.

Controller

3S Money: 3S Money Club Limited (DIFC Branch) is licensed as a foreign recognized company in the Dubai International Financial Centre (DIFC) with registration number 5587 and is the controller and is responsible for your personal data (collectively referred to as "3SMC", "we", "us" or "our" in this privacy policy).

We personally oversee all questions in relation to this privacy policy. If you have any questions about this privacy policy, including any requests to exercise your legal rights, please contact us using the details set out below.

2. Data protection principles

3SMC will comply with DIFC Law 5 of 2020 (the DP Law). The DP Law requires that personal information which 3SMC holds about you is:

• Identity Data includes first name, maiden name, last name, marital status, title, date of birth, language spoken, nationality and/or citizenship.
   
• Employment Data name of employer or nature of your relationship with the client using our services (for example, if you are a director or shareholder of your company), and job title.
   
• Background Check Data includes information about criminal convictions and offences, information contained in identification documents, and other relevant "know your customer" checks information (such as financial information).
   
• Contact Data includes work and residential address, email address and telephone numbers.
   
• Financial Data includes bank account and payment card information.
   
• Transaction Data includes details about your incoming and outgoing payments, transactional counterparties, other relevant information pertaining to these transactions.
   
• Technical Data includes internet protocol (IP) address, your login information, browser type and version, time zone setting, location, browser plug-in types and versions, and operating system.
   
• Profile Data includes your username and password, your preferences, and feedback and survey responses. 
   
• Usage Data includes information about how you use our website and services.
   
• Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties, and your communication preferences. 

• Direct interactions. You may give us any of the data listed above by filling in forms or by corresponding with us by post, phone, email or otherwise. This includes personal data you provide when you:
  • register with us;
  • subscribe to our service or publications; 
  • use our services;
  • request marketing or information about our services to be sent to you; or
  • give us feedback or contact us for any reason.
     
• Automated technologies or interactions. As you interact with our website, we will automatically collect Technical Data about your equipment, browsing actions and patterns. We collect this personal data by using cookies, server logs and other similar technologies. Please see our cookie policy for further details.
   
• Third parties or publicly available sources. We are also working closely with third parties (including service providers, business partners, sub-contractors in technical, payment and delivery services, advertising networks, analytics providers, search information providers, and credit reference agencies) and may receive and exchange information about you with them. We may also receive information about you from your employer or business in connection to an application for or use of our services. If you receive a payment from a client using our services, then they will provide your information to us to facilitate the payment.

• where it is necessary for our legitimate interests (or those of a third party) and your interests and fundamental rights do not override those interests;
   
• where we need to comply with our legal and/or regulatory obligations; and
   
• in limited circumstances, with your explicit consent. Where we rely on consent, you have the right to withdraw your consent at any time by contacting us.

• other companies in the 3SMC group and who are based in Luxembourg and Singapore and provide communication, compliance, IT and system administration services and undertake analytics and reporting;
   
• service providers that may be acting as processors or controllers based in the United Kingdom or the European Union who provide IT, system administration, identification and two-factor authentication services;
   
• professional advisers including lawyers, bankers, auditors and insurers based in the United Kingdom, the European Union, Singapore and the United Arab Emirates who provide consultancy, banking, legal, insurance and accounting services;
   
• regulators, licensing authorities and other authorities based in the United Kingdom, the European Union (including European Union authorities), Singapore, and the United Arab Emirates (including the DIFC);
   
• law enforcement agencies, judicial bodies, government bodies, and tax authorities;
   
• third-party credit reference agencies, in circumstances where we may need to assess creditworthiness;
   
• KYC-AML partners to facilitate your onboarding as a client;
   
• our banking partners to provide you with necessary services;
   
• FX brokers to provide you with forex services;
   
• third parties to whom we may choose to sell, transfer or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy policy; and
   
• other third parties where we are permitted by law to share your personal data, it is in our legitimate interests or those of a third party, and it is not inconsistent with the purposes outlined above.