Your Data that the Company Collects

Some examples of Your Data which we collect include, but are not limited to:

● Personal particulars such as your name, contact details, residential address, mailing address, date of birth, place of birth, identity card/passport details, nationality, race, marital status, number of dependants.
● Identification and verification information relevant for the purposes of providing our services, including but not limited to biometric verification (fingerprint, face ID).
● Financial details such as income, source of funds, credit history, and transaction history.
● Employment details such as occupation, directorships and other positions held, employment history, salary.
● Information on your risk profile, purpose of remittance, investment objectives, knowledge and experience and/or business interests.
● Remittance and payment details such as account numbers, beneficiary details, transfer instructions, and transaction records.
● Personal opinions through surveys or other forms of feedback.
● Information relating to your activities, habits, preferences, and interests.
● Electronic information such as IP addresses, cookies, activity logs, device identifiers, and location data through your usage of our website or online services.

We will limit the amount of data collected to only what is necessary for its intended purpose.

How Your Data is Collected

The Company collects Your Data in various ways, including but not limited to:

● Communications with us through submission of application forms, emails, letters, or telephone calls relating to our services.
● Online forms used to collect personal data when requesting information, submitting an enquiry, making an application, or signing up for our services.
● Personal data collected automatically through IP addresses and cookies when you use our website or online services.
● Usage of our services including website, mobile applications, or online remittance systems.
● Participation in customer surveys, promotions, or campaigns.
● Submission of personal data to us for any other purposes.

How Your Data is Used

Your Data may be used by the Company for various purposes, including but not limited to:

● To provide the service or product for which you have submitted Your Data or to respond to your communications.
● To communicate with you, including providing updates on our products, services, and promotions.
● To develop, monitor, and improve our remittance/payment services, customer service quality, and operational processes (including analytics and reporting).
● To assess and process applications for our services.
● To record and respond to your feedback, queries, or complaints.
● To verify your identity and conduct customer due diligence (KYC/AML/CFT checks).
● To manage, comply with, and improve our internal infrastructure, functions, and business operations.
● To comply with applicable legislation, regulations, and requirements imposed by regulators and financial intelligence units.
● To produce or issue financial, regulatory, or management reporting, and for risk management and audit purposes.
● To create, update, and run our compliance, fraud detection, and risk-related models.
● For any other purpose stated in the specific terms and conditions of the services you use.

The Company may also use Your Data to introduce or update you on remittance services, promotions, or offers which may be of interest to you. You may opt out of receiving marketing communications at any time by contacting us.

How Your Data is Stored

Your Data may be stored physically and/or electronically.

● Data stored physically will be kept securely within Brunei Darussalam.
● Data stored electronically may be stored on a cloud platform or servers provided by trusted third parties, which may be located in Brunei Darussalam and/or overseas.

We implement reasonable technical, administrative, and organizational security measures to protect Your Data against unauthorized access, disclosure, alteration, or destruction. However, please note that no system, method of transmission over the internet, or method of electronic storage is completely secure. While we strive to protect Your Data, we cannot guarantee its absolute security.

By using our services, you acknowledge and accept the inherent risks of transmitting data online, including the risk of data breaches or leaks outside our reasonable control. You also agree that Siammali Remittance shall not be held liable for any unauthorized access or disclosure of Your Data that arises from circumstances beyond our reasonable security measures.

You are responsible for maintaining the confidentiality of your login credentials and for ensuring that your devices are protected against unauthorized access.

How Long Your Data is Retained

Your Data will be retained until the purpose for which it was collected has been fulfilled, or as long as required for legal, regulatory, compliance, or business purposes.

To Whom Your Data is Disclosed

To provide you with effective services and to comply with legal and regulatory requirements, the Company may disclose Your Data to:

● Our subsidiaries, affiliates, or related companies.
● Service providers such as IT hosting, infrastructure, or maintenance providers.
● Our external advisers including auditors, compliance consultants, and legal advisers.
● Regulatory and supervisory authorities, including but not limited to the Brunei Darussalam Central Bank (BDCB), the Financial Intelligence Unit, or any equivalent foreign regulators.
● Government authorities, courts of law, or law enforcement bodies as required.
● Correspondent and partner financial institutions, payment processors, or clearinghouses involved in your remittance transaction.
● Beneficiaries, intermediaries, and any other parties necessary to complete a remittance transaction on your instruction.

All disclosures to service providers will be on a strict “need-to-know” basis. We will require them to keep Your Data confidential and use it only for the purpose of providing their services.

Use of Cookies

Our website uses cookies to improve user experience, store login preferences, and collect statistical and analytical data on site usage. Most browsers allow you to block cookies, but this may affect functionality of our services.

Our website may also contain links to external websites not owned or controlled by us. This Privacy Policy does not apply to those third-party websites.

Accessing and Correcting Your Data

If you believe Your Data is incorrect or outdated, you may request corrections or access. We may charge a reasonable fee depending on the nature of your request and will verify your identity before processing.

Withdrawal of Consent

If you no longer wish for us to continue using Your Data, you may contact us to withdraw your consent. However, such withdrawal may mean we are unable to continue providing you with our services, and this may be treated as termination of your relationship with us.

How to Contact Us About Your Data

If you have questions about this Privacy Policy, or wish to request access, correction, or withdrawal of consent, please contact us:

Siammali Remittance
📞 Customer Helpline: +673 7172022
📧 Email: support@siammali.com
🌐 Website: www.siammali.com

Changes and Updates to This Privacy Policy

This Privacy Policy may be updated from time to time to reflect changes in our practices, regulatory requirements, or services. Updates will be published on our website with the effective date. Where required, we will seek your renewed consent.

This Privacy Policy was last updated on 05/09/2025.