"Automated Decision-Making" means when a decision is made which is based solely on automated Processing (including Profiling) which produces legal effects or significantly affects an individual. The GDPR prohibits Automated Decision-Making (unless certain conditions are met) but not automated Processing;

"Consent" means any freely given, specific, informed and unambiguous indication of the Data Subject's wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the Processing of Personal Data relating to him or her;

"Data Controller" means a person who either alone, jointly with other persons or in common with other persons or as a statutory body determines the purposes for and the manner in which Personal Data is processed or is to be processed;

"Data Subject" means an identifiable person; one who can be identified directly or indirectly, in particular by reference to an identification number or to one or more factors specific to his or her physical, physiological, mental, economic, cultural or social identity;

"Data Protection Impact Assessment or DPIA" means tools and assessments used to identify and reduce risks of a data Processing activity. DPIA can be carried out as part of Privacy by Design and should be conducted for all major system or business change programs involving the Processing of Personal Data;

"Data Protection Laws" means the GDPR and any relevant data protection laws;

"Data Protection Officer or DPO" means the person appointed as such under the Data Protection Laws and in accordance with its requirements. A DPO is responsible for advising TRANZFAR (including its employees) on their obligations under Data Protection Laws, for monitoring compliance with Data Protection Laws, as well as with the Company’s polices and providing advice;

"GDPR" means the EU General Data Protection Rules 2016/679;

"Personal Data" means any information relating to an identified or identifiable natural person (‘Data Subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person; It can be anything from a name, address, a photo, an email address, bank details, posts on social networking websites, medical information, and other unique identifier such as but not limited to MAC address, IP address, IMEI number, IMSI number, SIM and others;

"Personal Data Breach" means a breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorised disclosure of, or access to, Personal Data transmitted, stored or otherwise processed;

"Policy" means this Data Protection Policy;

"Privacy by Design and Default" means implementing appropriate technical and organizational measures in an effective manner to ensure compliance with the GDPR;

"Processing" means any operation or set of operations which is performed on Personal Data or on sets of Personal Data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction;

"Profiling" means any form of automated Processing of Personal Data consisting of the use of Personal Data to evaluate certain personal aspects relating to an individual, in particular to analyse or predict aspects concerning that individual’s performance at work, economic situation, health, personal preferences, interests, reliability, behaviour, location or movements. Profiling is an example of automated Processing;

"Pseudonymisation" means replacing information that directly or indirectly identifies an individual with one or more artificial identifiers or pseudonyms so that the person, to whom the data relates, cannot be identified without the use of additional information which is meant to be kept separately and secure;

"Sensitive Personal Data" means a Data relating to religious or other beliefs, sexual tendencies, health, race, ethnicity, political views trades union membership, criminal records or any other sensitive personal information; and

"Third Party" means any natural or legal person, public authority, establishment or any other body other than the Data Subject, the Data Controller, the Data Administrator and the persons who are engaged by the Data Controller or the Data Administrator to process Personal Data.

2.1 TRANZFAR LTD (‘‘Tranzfar’’ or ‘‘the Company’’) takes its responsibilities with regard to the management of the requirements of the Data Protection Laws very seriously. This Policy sets out how TRANZFAR manages these responsibilities.

2.2 TRANZFAR obtains, uses, stores and otherwise processes Personal Data relating to potential employees (applicants) and clients, current employees and clients, former employees and clients, current and former workers, contractors, website users and contacts, collectively referred to in this Policy as Data Subjects. When Processing Personal Data, the Company is obliged to fulfill individuals’ reasonable expectations of privacy by complying with the Data Protection Laws.

2.3 This Policy therefore seeks to ensure that TRANZFAR:

a. is clear about how Personal Data must be processed and the Company’s expectations for all those who process Personal Data on its behalf;

b. comply with the Data Protection Laws and with good practice;

c. protect its reputation by ensuring the Personal Data entrusted to us is processed in accordance with Data Subjects’ rights; and

d. protect itself from risks of Personal Data Breaches and other breaches of the Data Protection Laws.

3.1 This Policy applies to all Personal Data the Company processes regardless of the location where that Personal Data is stored (e.g. on an employee’s own device) and regardless of the Data Subject. All employees and others Processing Personal Data on the Company’s behalf must read it. A failure to comply with this Policy will result in disciplinary action.

3.2 Every member of staff of TRANZFAR is required to read and assimilate the contents of this policy and to abide by it fully. TRANZFAR shall have the right to seek redress against any member of staff whose failure to comply with this policy in any manner whatsoever results in damages being sought or awarded, or any legal action instituted against the Company.

3.3 All Heads of Divisions/Departments/Units are responsible for ensuring that all TRANZFAR staff within their area of responsibility comply with this Policy and should implement appropriate practices, processes, controls and training to ensure compliance.

3.4 The DPO is responsible for overseeing this Policy. The Company DPO is Olusola Adepegba, he can be reached at [email protected]

4.1 When TRANZFAR process Personal Data, it should be guided by the following principles, which are set out in the Data Protection Laws. The Company is responsible for, and must be able to demonstrate compliance with, the data protection principles listed below:The first email confirmation will be sent once your payment Tranzfar has been successfully received.

4.2 Those principles require Personal Data to be:

1. processed lawfully, fairly, in a transparent manner and with respect for the dignity of the human person.

2. collected only for specified, explicit and legitimate purposes and not further processed in a manner incompatible with those purposes.

3. adequate, relevant and limited to what is necessary in relation to the purposes for which it is Processed.

4. accurate and where necessary kept up to date.

5. removed or not kept in a form which permits identification of Data Subjects for longer than is necessary for the purposes for which the Personal Data is processed.

6. processed in a manner that ensures its security, using appropriate technical and organizational measures to protect against unauthorized or unlawful Processing and against accidental loss, destruction or damage.

5.1 The Company would obtain a Data Subject’s Consent towards the processing of his/her data. Consent requires genuine choice and genuine control.

5.2 A Data Subject Consents to Processing of his or her Personal Data if he or she clearly indicates agreement either by a statement or positive action to the Processing. Silence, pre-ticked boxes or inactivity do not mean consent. Consent must be specifically and expressly given. If Consent is given in a document that deals with other matters, Consent must be separate and distinct from those other matters.

5.3 Prior to giving Consent, the Data Subject shall be informed of his or her right and the ease to withdraw his or her Consent at any time. Withdrawal of Consent must be promptly honoured.

5.4 Consent may need to be renewed if TRANZFAR intend to process Personal Data for a different and incompatible purpose which was not disclosed when the Data Subject first consented, or if the Consent is historic.

5.5 There must be evidence of the Consent given and employees would keep both physical and electronic records of all Consents obtained so that TRANZFAR can demonstrate compliance.

5.6 Hard copies of consent would be filed by the respective staff and process owner of the transaction requiring the consent and the electronic copies should be scanned into the document management software utilized by TRANZFAR.

5.7 No Consent shall be sought, given or accepted in any circumstance that may engender direct or indirect propagation of atrocities, hate, child rights violation, criminal acts and anti-social conducts.

6.1 TRANZFAR collects the following information

• Surname/Company Name

• Other names

• Mailing Address

• Contact Address

• E-mail Address

• Telephone Number

6.2 TRANZFAR collects the above-mentioned information using electronic medium.

6.3 TRANZFAR collects the above-mentioned information for the fulfillment of its money remittance service to customers.

6.4 Prior to collecting Personal Data from the Data Subject, TRANZFAR shall provide the Data Subject with all of the following information:

a. identity and contact details of TRANZFAR;

b. the contact details of the DPO;

c. the purpose of the Processing for which the Personal Data is intended, as well as the legal basis for the Processing;

d. the legitimate interests pursued by the Company or by any Third Party who has access to the Personal Data;

e. the recipients or categories of recipients of the Personal Data (if any);

f. where applicable, the fact that TRANZFAR intends to transfer Personal Data to a recipient in a foreign country or a third country or international;

g. the period for which the Personal Data will be stored, or if that is not possible, the criteria used to determine that period;

h. the existence of the right to request from TRANZFAR, access to and rectification or erasure of Personal Data or restriction of Processing concerning the Data Subject or to object to Processing as well as the right to data portability;

i. the existence of the right to withdraw Consent at any time, without affecting the lawfulness of Processing based on Consent before its withdrawal;

j. the right to lodge a complaint with ICO or any other relevant authority;

k. whether the provision of Personal Data is a statutory or contractual requirement, or a requirement necessary to enter into a contract, as well as whether the Data Subject is obliged to provide the Personal Data and of the possible consequences of failure to provide such data;

l. the existence of Automated Decision-Making, including Profiling and, at least, in those cases, meaningful information about the logic involved, as well as the significance and the envisaged consequence of such Processing for the Data Subject; and

m. where TRANZFAR intends to further process the Personal Data for a purpose other than that for which the Personal Data is collected, TRANZFAR shall provide the Data Subject prior to that further Processing, with information on that other purpose and with any relevant information.

6.5 Employees must check the accuracy of any Personal Data at the point of collection and at regular intervals thereafter. Employees must take all reasonable steps to destroy or amend inaccurate records without delay and should update out-of-date Personal Data where necessary (e.g. where it is not simply a pure historical record).

6.6 Personal data must be accurate and, where necessary, kept up to date.

6.7 TRANZFAR will ensure that Personal Data is recorded in the line of business application.

6.8 Incomplete records can lead to inaccurate conclusions being drawn and in particular, where there is such a risk, the company should ensure that relevant records are completed.

Ascertain that the processing of the data is lawful.

Processing shall be lawful if at least one of the following applies:

a. the Data Subject has given Consent to the Processing of his or her Personal Data for one or more specific purposes;

b. Processing is necessary for the performance of a contract to which the Data Subject is party or in order to take steps at the request of the Data Subject prior to entering into a contract;

c. Processing is necessary for compliance with a legal obligation to which the Controller is subject;

d. Processing is necessary in order to protect the vital interests of the Data Subject or of another natural person; and

e. Processing is necessary for the performance of a task carried out in the public interest or in the exercise of official public mandate vested in the controller.

Data Subjects have rights in relation to the way TRANZFAR handles their Personal Data. These include the following rights:

8.1 where the legal basis of our Processing is Consent, to withdraw that Consent at any time;

8.2 to ask for access to the Personal Data that TRANZFAR holds (see below);

8.3 to prevent our use of the Personal Data for direct marketing purposes;

8.4 to object to our Processing of Personal Data in limited circumstances; and

8.5 to ask us to erase Personal Data without delay:

a. if it is no longer necessary in relation to the purposes for which it was collected or otherwise processed;

b. if the only legal basis of Processing is Consent and that Consent has been withdrawn and there is no other legal basis on which TRANZFAR can process that Personal Data;

c. if the Data Subject objects to our Processing where the legal basis is the pursuit of a legitimate interest or the public interest and TRANZFAR can show no overriding legitimate grounds or interest; and

d. if the Processing is unlawful.

8.6 to ask us to rectify inaccurate data or to complete incomplete data;

8.7 to restrict Processing in specific circumstances e.g. where there is a complaint about accuracy;

8.8 to ask us for a copy of the safeguards under which Personal Data is transferred outside of the UK;

8.9 the right not to be subject to decisions based solely on automated Processing, including Profiling, except where necessary for entering into, or performing, a contract, with the Company; it is based on the Data Subject’s explicit Consent and is subject to safeguards; or is authorized by law and is also subject to safeguards;

8.10 to prevent Processing that is likely to cause damage or distress to the Data Subject or anyone else;

8.11 to data portability;

8.12 to be notified of a Personal Data Breach which is likely to result in high risk to their rights and freedoms;

8.13 to make a complaint to ICO or any other regulatory body; and

8.14 in limited circumstances, receive or ask for their Personal Data to be transferred to a Third Party (e.g. another company which the client has dealing with) in a structured, commonly used and machine-readable format.

9.1 TRANZFAR shall take appropriate measures to provide any information relating to Processing to the Data Subject in a concise, transparent, intelligible and easily accessible form, using clear and plain language, in particular, for any information addressed specifically to a child.

9.2 The information may be provided orally or in writing, or by other means, including where appropriate, by electronic means.

9.3 Employees must verify the identity of an individual requesting data. Where the employee has reasonable doubt concerning the identity of the person making the request for information, he or she may request the provision of additional information necessary to confirm the identity of the Data Subject.

9.4 A staff must immediately forward any Data Subject Access Request received to the Compliance team at [email protected]

9.5 Requests (including for Data Subject access must be complied with, usually within one month of receipt.

9.7 Information provided to the Data Subject and any communication and any action taken shall be provided free of charge. Where the Data Subject’s request is manifestly unfounded or excessive, in particular because of their repetitive character, TRANZFAR may either:

a. charge a reasonable fee taking into account the administrative costs of providing the information or communicating or taking the action requested; or

b. write a letter to the Data Subject stating refusal to act on the request and copy ICO on every such occasion.

9.8 Employees should not allow third parties to persuade them into disclosing Personal Data without proper authorization. For example, clients’ spouses do not have an automatic right to gain access to their spouse’s data. Parents of Data Subjects do not have an automatic right to gain access to their child’s data.

9.9 Personal data of data subjects may be disclosed to third parties in line with laid down policies and procedures of TRANZFAR and standards of regulatory authorities and regulations. TRANZFAR may share Personal Data with third parties and/or third-party service providers that complete transactions or perform services on behalf or for the benefit of the data subjects, in respect of:

a. Know your Client form

b. Passport photograph, ID card and Utility Bill

c. other services

9.10 An employee not alter, conceal, block or destroy Personal Data once a request for access has been made. he or she should contact the Compliance team before any changes are made to Personal Data which is the subject of an access request.

10.1 TRANZFAR must implement appropriate technical and organizational measures in an effective manner to ensure compliance with the personal data protection principles. The Company is responsible for, and must be able to demonstrate compliance with, the personal data protection principles above.

10.2 TRANZFAR must, therefore, apply adequate resources and controls to ensure and to document the Data Protection Laws compliance including:

10.2.1 appointing a suitably qualified DPO;

10.2.2 implementing Privacy by Design when Processing Personal Data and completing a

10.2.3 integrating data protection into our policies and procedures, in the way Personal Data is handled by us and by producing required documentation such as privacy notices, records of Processing and records of Personal Data Breaches;

10.2.4 training employees and management on compliance with Data Protection Laws and keeping a record accordingly; and

10.2.5 regularly testing the privacy measures implemented and conducting periodic reviews and audits to assess compliance, including using results of testing to demonstrate compliance improvement effort.

11.1 TRANZFAR is required to implement and maintain appropriate safeguards to protect Personal Data, taking into account in particular the risks to Data Subjects presented by unauthorized or unlawful Processing or accidental loss, destruction of, or damage to their Personal Data.

11.2 Safeguarding will include the use of encryption and Pseudonymization where appropriate. It also includes protecting the confidentiality (i.e. that only those who need to know and are authorized to use Personal Data have access to it), integrity and availability of the Personal Data. The Company will regularly evaluate and test the effectiveness of those safeguards to ensure security of our Processing of Personal Data.

11.3 Employees are also responsible for protecting the Personal Data that they process in the course of their duties. Employees must, therefore, handle Personal Data in a way that guards against accidental loss or disclosure or other unintended or unlawful Processing and in a way that maintains its confidentiality. Employees must exercise particular care in protecting Sensitive Personal Data from loss and unauthorized access, use or disclosure.

11.4 Employees must comply with all procedures and technologies the Company puts in place to maintain the security of all Personal Data from the point of collection to the point of destruction.

11.5 Employees must comply with all applicable aspects of this Policy. Employees must, therefore, comply with and not attempt to circumvent the administrative, physical and technical safeguards the Company implements and maintains in accordance with the Data Protection Laws standards to protect Personal Data.

The DPO is responsible for:

a. Advising TRANZFAR and its staff of its obligations under the Data Protection Laws;

b. monitoring compliance with this Policy and Data Protection Laws,

c. the Company’s policies with respect to data protection and monitoring, training and audit activities that relate to compliance with the Data Protection Laws;

d. providing advice where requested on data protection impact assessments;

e. supervising internal data processing;

f. dealing with requests, complaints and enquiries from Data Subject and law enforcement agencies;

g. to cooperate with and act as the contact point between TRANZFAR; and

h. the DPO shall in the performance of his or her tasks have due regard to the risk associated with Processing operations, taking into account the nature, scope, context and purposes of Processing.

13.1 Employees who process Personal Data about employees, clients, applicants, alumni or any other individual must comply with the requirements of this Policy. Employees must ensure that:

a. all Personal Data is kept securely;

b. no Personal Data is disclosed either verbally or in writing, accidentally or otherwise, to any unauthorized Third Party;

c. Personal Data is kept in accordance with this Policy;

d. any queries regarding data protection, including subject access requests and complaints, are promptly directed to the DPO and the Compliance Team.

e. any data protection breaches are swiftly brought to the attention of the Compliance Team and the DPO and that they support the Compliance Team/ Committee in resolving breaches; and

f. where there is uncertainty around a data protection matter advice is sought from the Complaince Team and the DPO.

13.2 Where employees are responsible for ad-hoc staff or short-term staff or volunteers or contractors or interns or any person by whatever name called, doing work which involves the Processing of personal information, they must ensure that such person should have knowledge of the data protection principles.

13.3 Employees who are unsure about who are the authorized third parties to whom they can legitimately disclose personal data should seek advice from the DPO.

13.4 Employees will only process Personal Data when performing their job duties requires it and should not process Personal Data for any reason unrelated to these duties.

14.1 Data Processing by a Third Party shall be governed by a written contract between the Third Party and the Company.

14.2 Where external companies are used to process Personal Data on behalf of TRANZFAR, responsibility for the security and appropriate use of that data remains with the Company.

14.3 Where a Third Party data processor is used:

a. the Third Party data processor shall be chosen by [TRANZFAR] and the data processor must provide sufficient guarantees about its security measures to protect the Processing of Personal Data;

b. reasonable steps must be taken by the DPO to ensure that such security measures are in place;

c. a written contract establishing what Personal Data will be processed and for what purpose, provided by the Information Compliance team, must be entered into by both parties i.e. the Third Party data processor and the Company; and

14.4 TRANZFAR shall ensure that the Third Party data processor does not have a record of violating the principles of data Processing and that the Third Party is accountable to a reputable regulatory authority for data protection within or outside UK.

14.5 Personal Data can only be transferred to Third-Party service providers (i.e. data processors) approved by Management and who provides sufficient guarantees to implement appropriate technical and organizational measures to comply with Data Protection Laws and who agree to act only on the Company’s instructions.

14.6 For further guidance about the use of Third Party data processors please contact Compliance Team

15.1 TRANZFAR is responsible for the use of Personal Data by anyone working on its behalf. Managers who employ contractors or short-term or voluntary staff must ensure that they are appropriately vetted for the data they will be Processing. In addition, managers should ensure that:

a. any Personal Data collected or processed in the course of work undertaken for TRANZFAR is kept securely and confidentially;

b. all Personal Data is returned to TRANZFAR on the completion of the work, including any copies that may have been made. Alternatively, the data is securely destroyed and TRANZFAR receives notification in this regard from the contractor or short term / voluntary member of staff;

c. TRANZFAR receives the prior notification of any disclosure of Personal Data to any other organization or any person who is not a direct employee of the contractor;

d. any Personal Data made available by TRANZFAR, or collected in the course of the work, is neither stored nor processed outside UK unless written Consent to do so has been received from TRANZFAR; and

e. all practical and reasonable steps are taken to ensure that contractors, short-term or voluntary staff do not have access to any Personal Data beyond what is essential for the work to be carried out properly.

Clients and Users are responsible for:

a. familiarizing themselves with the privacy policy provided when their relationship with TRANZFAR commences;

b. ensuring that their Personal Data provided to TRANZFAR is accurate and up to date.

17.1 The Company will report any Personal Data Breach where there is a risk to the rights and freedoms of the Data Subject. Where the Personal Data Breach results in a high risk to the Data Subject, he/she also has to be notified unless subsequent steps have been taken to ensure that the risk is unlikely to materialize, security measures were applied to render the Personal Data unintelligible (e.g. encryption) or it would amount to disproportionate effort to inform the Data Subject directly. In the latter circumstances, a public communication must be made or an equally effective alternative measure must be adopted to inform Data Subjects, so that they themselves can take any remedial action.

17.2 The Company has put in place procedures to deal with any suspected Personal Data Breach and will notify Data Subjects or the relevant regulator where the Company is legally required to do so. All suspected breach of Personal Data should be remedied with 1 (one) month from the date of the report of the breach.

17.3 Where there is a suspicion of breach of Personal Data, you should immediately contact the Compliance Team must be immediately contacted at The Company will retain all evidence relating to Personal Data Breaches in particular to enable TRANZFAR maintain a record of such breaches, as required by the Data Protection Laws.

17.4 Records of Personal Data Breaches must be kept by each employee or member of staff who observes or has reason to believe that a Data Breach has occurred. The record must set out:

a. the facts surrounding the breach;

b. its effects; and

c. the remedial action taken.

17.5 TRANZFAR will not be responsible for any Personal Data breach which occurs as a result of:

a. an event which is beyond the control of TRANZFAR;

b. an act or threats of terrorism;

c. an act of God (such as, but not limited to fires, explosions, earthquakes, drought, tidal waves and floods) which compromises the Company’s data protection measures;

d. war, hostilities (whether war be declared or not), invasion, act of foreign enemies, mobilization, requisition, or embargo; and

e. rebellion, revolution, insurrection, or military or usurped power, or civil war which compromises the Company’s data protection measures.

18.1 The Company is required to keep full and accurate records of all our data Processing activities. TRANZFAR must keep and maintain accurate corporate records reflecting our Processing, including records of Data Subjects’ Consents and procedures for obtaining Consents, where Consent is the legal basis of Processing.

18.2 These records should include, at a minimum, the name and contact details of TRANZFAR as the Data Controller and particulars of the DPO, clear descriptions of the Personal Data types, Data Subject types, Processing activities, Processing purposes, Third Party recipients of the Personal Data, Personal Data storage locations, Personal Data transfers, the Personal Data’s retention period and a description of the security measures in place.

18.3 The Company will ensure that when Personal Data is no longer needed for specified purposes, it is deleted or erase in accordance with this Policy.

18.4 Where a Data Subject has required his or her Personal Data to be rectified or erased, the Company would inform recipients of that Personal Data that it has been erased/rectified, unless it is impossible or significantly onerous to do so. The Company will take all reasonable steps to destroy or erase from the Company’s systems all Personal Data that the Company no longer requires in accordance with this Policy or any other applicable records retention policies.

19.1 The Company will ensure that all its employees undergo adequate training to enable them to comply with Data Protection Laws. The Company will also regularly test its systems and processes to assess compliance.

19.2 The Company will regularly review all the systems and processes ensure they comply with this Policy.

20.1 The Company is required to implement privacy-by-design measures when Processing Personal Data, by implementing appropriate technical and organizational measures (like Pseudonymization) in an effective manner, to ensure compliance with data-protection principles. TRANZFAR must ensure therefore that by default only Personal Data which is necessary for each specific purpose is processed. The obligation applies to the volume of Personal Data collected, the extent of the Processing, the period of storage and the accessibility of the Personal Data. In particular, by default, Personal Data should not be available to an indefinite number of persons. TRANZFAR would ensure adherence to those measures.

20.2 The Company will ensure that the data-handling practices default to privacy to minimize unwarranted intrusions in privacy e.g. by only disseminating Personal Data to those who need to receive it to discharge their duties.

20.3 TRANZFAR will conduct DPIAs in respect of high-risk Processing before that Processing is undertaken.

20.4 A DPIA is conducted (and discuss findings with the DPO) in the following circumstances:

a. the use of new technologies (programs, systems or processes), or changing technologies (programs, systems or processes);

b. automated Processing including Profiling;

c. large scale Processing of sensitive (special category) data; and

d. large scale, systematic monitoring of a publicly accessible area.

20.5 A DPIA must include:

a. a description of the Processing, its purposes and the Company’s legitimate interests if appropriate;

b. an assessment of the necessity and proportionality of the Processing in relation to its purpose;

c. an assessment of the risk to individuals; and

d. the risk-mitigation measures in place and demonstration of compliance.

21.1 The Company is subject to certain rules and privacy laws when marketing to our clients and potential clients, alumni and any other potential user of our services. The limited exception for existing clients allows organizations to send marketing texts or emails if they have obtained contact details in the course of a sale to the person they are marketing similar services to, and they gave the person an opportunity to opt out of marketing when first collecting the details and in every subsequent message.

21.2 The right to object to direct marketing must be explicitly offered to the Data Subject in an intelligible manner so that it is clearly distinguishable from other information.

21.3 A Data Subject’s objection to direct marketing must be promptly honoured. If a Data Subject opts out at any time, their details should be suppressed as soon as possible. Suppression involves retaining just enough information to ensure that marketing preferences are respected in the future.

22.1 In the absence of consent, a legal obligation or other legal basis of Processing, Personal Data should not generally be disclosed to third parties unrelated to the Company.

22.2 Further, without a court order, the law enforcement agencies and their agents have no automatic right of access to records of Personal Data, though voluntary disclosure may be permitted for the purposes of preventing/detecting crime or for apprehending offenders. Relevant law enforcement agents that request Personal Data must be referred to the DPO.

22.3 Sharing of Personal Data for research purposes may also be permissible, subject to certain safeguards. For guidance or clarification, please contact the Compliance Team on [email protected]

The Company reserves the right to change this Policy at any time.