Privacy Policy
Last updated: December 2021
Global Privacy Notice
December 2021
This Data Privacy Notice explains how we treat the personal data that we collect when you use our services as a customer, visit and/or use our websites or mobile applications, or otherwise interact with us. In this Privacy Notice, we also specify how your information could be potentially shared with third parties and the privacy policies we have in place to protect personal data.
Who are we?
We are Euronet, a global brand, part of Euronet group. You can find all our contact details in the "Our companies by service" section below.
What type of data is collected?
We collect only the data we need to by law and local regulation. This includes:
- Identification data
- Financial data
- Behavioral data
We will never collect more data than is necessary.
Why do we collect data?
We collect data for specific contractual and legal purposes. The personal data also serves to enhance the user experience in our platforms.
How long does Euronet collect data for?
We will keep personal data for as long as needed, as required by law and/or local regulation. Occasionally, legal requirements may translate into a longer retention period, but will be deleted once the requirements are fulfilled.
Who do we share customer data with?
We share customer personal data with other Euronet Worldwide Companies, legal authorities, and partners to meet our regulatory and contractual commitments.
Where does Euronet keep your personal data?
We store customer data in secure locations with strict security measures in place. If we need to transfer customer data to other countries, we will take all necessary measures to comply with legal obligations and ensure a proper level of security.
What are your rights?
Our customers are the owners of their personal data and have a legal right to exercise control over it. A customer may request the following at any time by sending an email to dpo@euronetworldwide.com:
- Access to their data
- Modification of their data
- Deletion
- Limitation of the processing purposes.
1. What Personal Data we collect, how we collect it and why?
Identification data
This may include name, title, residential and/or business address, email, telephone and/or fax numbers and other contact data, date of birth, gender, images, signature, passport/visa details, voice recording, official credentials, and its image capture.
| The reason to process your data | Legal basis for using your personal data |
|---|---|
| Supply of Services | Contractual obligation |
| Newsletter and marketing purposes | Consent |
| Market research & consumer feedback | Consent / Legitimate interest |
| Customer service (we may monitor and record calls, email and chat conversations, and use transcripts to confirm instructions) | Contractual obligation / Legitimate interest |
| Managing our customers' accounts (registration and administration) | Pre-contractual / Contractual obligation |
| Requesting access to tools and information | Pre-contractual / Contractual obligation |
| Profiling for a more personalized service | Consent |
| Photographs or videos that our customers may have recorded and shared with us | Consent |
| Participation in events and giveaways | Consent / Contractual obligation |
Financial details
We collect your personal financial data when we onboard you as a customer. We may collect financial data such as bank accounts, financial statements, transfer reason, occupation, or other documentation to demonstrate the source of funds you wish to transfer, in order to provide you with our services, when required.
| Purpose | Legal basis |
|---|---|
| Supply of Services | Contractual obligation |
| Money laundering | Legal obligation |
| Terrorist Financing and Criminal activity | Legal obligation |
| Managing your account | Contractual obligation |
| Legal profiling for credit reports | Legitimate interest |
Behavioral and technical information
IP address of visitors, behavioral information, browser type and version, time zone setting, screen resolution settings, browser plug-in types and versions, operating system, and platform. Visit our cookie policy.
| Purpose | Legal basis |
|---|---|
| To measure the use of our website and services and improve the content we offer | Legitimate Interest |
| To administer the website and for internal operations (troubleshooting, data analysis, testing, research, statistics) | Consent |
| To keep the website safe and secure | Consent / Legitimate Interest |
| To measure the impact of our emails | Consent |
| Anonymized profiling to enhance the customer experience | Legitimate interest |
Location
We may collect information about your location when customers use our services.
| Purpose | Legal basis |
|---|---|
| To provide a tailored experience related to location, such as displaying the local currency | Consent / Legal obligation |
Video surveillance
Image, video, and voice recording. We may use CCTV to ensure customer safety in our stores or offices.
| Purpose | Legal basis |
|---|---|
| Customer safety | Public interest / Legitimate interest |
Biometric data
Image, video record, fingerprints, and face scan.
| Purpose | Legal basis |
|---|---|
| To verify your identification during registration or use of our services | Consent |
Transactional Data
We may collect personal data like the beneficiary details, bank account information, contact information, the destination where you are sending money and bank preferences. Depending on the local regulation, we may collect details such as occupation, relationship with the beneficiary, transfer reason and additional documentation to demonstrate the source of funds.
Non identifiable data
Whenever possible, we use data where you cannot be directly identified (such as anonymous demographic and usage data) rather than personal data. This non-identifiable data may be used to improve our internal processes or delivery of services, without further notice to you. We may use aggregate data for a variety of purposes, including to evaluate and improve the services and analyze traffic to our services.
2. Legitimate interest
When we use customer Personal Data to pursue our legitimate interests, we will make every effort to match our interests with yours so that your personal data will only be used as permitted by relevant law, or when it will not affect negatively on your rights. We will always provide customers with access to any legitimate interest assessment upon request.
3. How long does Euronet keep Personal Data for?
Personal data is kept for as long as it is necessary to provide customers with the services they have requested, to comply with applicable legal, accounting, or reporting obligations, and to ensure that they can easily access it. For example:
- Legal and Regulatory Requirements
- Customer Service — we may continue to process and store a customer's Personal Data if we maintain a business relationship with them.
- Marketing — we will keep processing your Personal Data for marketing purposes as long as you haven't asked us to opt-out.
- Contractual obligation — we will keep Personal Data for the duration of the contractual agreement.
4. Does Euronet share my personal data with third parties?
Euronet Companies
We may share customer personal data with other Euronet-Group Companies so that we can provide them with any of the services they have requested (legitimate interest).
Euronet Group
We may share a customer's personal data with Euronet and Euronet Group affiliates for compliance with group obligations. As a result of a sale, acquisition, merger, or reorganization we may transfer customer Personal Data to a third party, taking reasonable steps to ensure that their information is adequately protected (legal obligation).
Third party service providers
We may share personal data with third-party service providers to manage, enable or facilitate certain aspects of the services, including compliance verification and fraud prevention, communications and infrastructure, maintenance and support, data analysis, and promotion of our services.
Legal and regulatory
We may need to disclose your personal data to the authorities when required to do so, or when necessary to identify, contact, or bring legal action against someone who may be causing injury or interfering with the rights or property of Euronet Worldwide, the service, or any of our customers (legal obligation).
5. Does Euronet save correspondence that the customer sends?
Yes. We may keep any correspondence customers send us, including e-mails and faxes, together with any records of their account. These records will be kept in accordance with our Retention Policy.
6. Data Security
We are committed to protecting customer Personal Data and have put in place safeguards to prevent any loss, abuse, and alteration of the information you have entrusted us. We maintain this commitment to data security by implementing appropriate physical, electronic and managerial measures to safeguard and secure your personal information. All personal data is kept in a secure location protected by firewalls and other sophisticated security mechanisms, with limited administrative access. While we aim to achieve the highest standard of data protection, no security system is completely flawless or impenetrable, and we cannot guarantee that personal data is completely secure.
7. Profiling and automated decision-making
With expressly authorized approval, we provide you with tailored information and advice regarding our products and services. We may in some cases use automated decision-making and profiling, if it is authorized by legislation and necessary for the performance of a contract — for example, the automated authorization for remittance services. The legal basis is legitimate interest.
8. Marketing and Advertising
Third-party advertisers provide advertisements that display on our website, our App, or elsewhere in our services. Third-party advertisers don't have access to any of the information our customers have given us directly unless you have expressly agreed to share said Personal Data. If you have given us your express consent we may contact you from time to time (by email, SMS, letter, or phone) to provide targeted marketing about our services. You can withdraw your consent at any time by sending an email to dpo@euronetworldwide.com or following the instructions in the marketing email we have sent you.
9. Use of Pixels in Marketing Emails
We may use pixels in our marketing emails to tell us whether, and how many times, our emails are opened and to verify any clicks through to links or advertisements within the email. Uses of this information may include:
- Learning which of our emails users found more interesting.
- Determining users' activity and engagement with our products and services.
- Informing our advertisers (in aggregate) how many users have clicked on the adverts.
- Which region our audience is located in.
10. What are my rights?
Depending on your country, you might have different rights; however, regardless of your country you may exercise at any time the following:
- Request access to any Personal Data ("Subject Access Request").
- Request correction of any inaccurate Personal Data we might hold about you.
- Request deletion of any Personal Data we hold about you.
Customers also have the right to file a complaint with a competent data protection Authority or the courts. To exercise any of your rights, send an email to dpo@euronetworldwide.com. To help protect your privacy and maintain security we will take steps to verify your identity before granting access or modifying any Personal Data.
11. Privacy complaints procedure
Customers have the right to file a complaint with a data protection Authority or the courts if they believe we have failed to comply with our obligations:
- Europe (EEA): European Data Protection Board
- UK: Information Commissioner's Office (ICO)
- Switzerland: Federal Data Protection and Information Commissioner (FDPIC)
- India: Department of Electronics and Information Technology
- Singapore: Personal Data Protection Commission
- Philippines: National Privacy Commission
- Malaysia: Department of Personal Data Protection
- New Zealand: Office of the Privacy Commissioner
- Australia: Office of the Australian Information Commissioner
- California: Department of Justice's Privacy Unit
- USA: FTC
- Canada: Office of the Privacy Commissioner of Canada
- México: Instituto Nacional de Transparencia, Acceso a la Información y Protección de Datos Personales
- Chile: Consejo para la Transparencia
Euronet reserves the right to amend this Privacy Notice at any time and will place notice of such amendments on Euronet's website.
12. Notice to California residents
Customers who live in California may have additional rights under California law. California consumers have the right to request access to the Personal Data we have collected about them in the last 12 months (up to two times in a 12-month period), request additional details about our practices, request deletion of their Personal Data, opt-out of sales of personal information, and to receive equal service and price. We do not sell your Personal Data to any third party. From the day we receive your request, we will respond within a maximum of 45 days.
13. Notice for Argentinian residents
In accordance with the Ley de Protección de Datos Personales 25.326, you have the right to Access, Rectification, Update and Erasure. To exercise your rights, contact us at dpo@euronetworldwide.com following section 11. From the day we receive your request, we will respond within a maximum of 5 days.
14. Notice to Mexican residents
In accordance with the Law, you have the rights of Access, Rectification, Cancellation and Opposition to the Treatment (the "ARCO Rights"), and the right to revoke consent. To exercise your ARCO Rights, contact us at dpo@euronetworldwide.com. From the day we receive your request, we will respond within a maximum of 20 days.
15. Notice to Chilean residents
In accordance with the Law, you have the ARCO Rights and the right to revoke consent. To exercise them, contact us at dpo@euronetworldwide.com. From the day we receive your request, we will respond within a maximum of 2 days.
16. Notice to European (EEA) residents
In accordance with the General Data Protection Regulation (GDPR), all residents of the European Economic Area (EEA) may exercise the following rights:
- The Right to Information
- The Right of Access
- The Right to Rectification
- The Right to Erasure
- The Right to Restriction of Processing
- The Right to Data Portability
- The Right to Object
- The Right to Avoid Automated Decision-Making
From the day we receive your request, we will respond within a maximum of 30 days.
17. Notice to Malaysian residents
In accordance with the Personal Data Protection Act 2010, customers may provide us with their Personal Data for any of the purposes established in section 2. At any time, you may exercise the rights set in section 10 and withdraw your consent unless the processing is necessary to fulfil a legal obligation or to provide our services. From the day we receive your request, we will respond within a maximum of 21 days.
18. Notice to New Zealand residents
To all residents in New Zealand, the rights you may exercise are those listed in section 11. From the day we receive your request, we will respond within a maximum of 20 days.
19. Notice to Australian residents
To all residents in Australia, the rights you may exercise are those listed in section 11. You can also ask us to explain our data policies and practices. From the day we receive your request, we will respond within a maximum of 30 days.
20. Notice to Indian residents
To all residents in India, the rights you may exercise are those listed in section 11. In addition, you may exercise your right to data portability and the right to not be subjected to automated decision-making producing legal effects such as profiling. From the day we receive your request, we will respond within a maximum of 30 days.
21. Our companies by service
The controller is Euronet, represented by the companies below, depending on country and service.
Money Transfer
| Country | Company to contact (controller) | Contact details |
|---|---|---|
| UK | Euronet Payment Services Ltd. | Part 7th Floor, North Block, 55 Baker Street, London, W1U 7EU |
| Europe (Digital and mobile) | Ria Lithuania UAB | Upes g.22, Vilnius LT.08120 |
| Europe Agents | Ria Payment Institution EP SAU | Calle Cantabria 2, Planta 2, Alcobendas 28120, Madrid, España |
| Switzerland | Ria Financial Services GmbH | Place de Cornavin 14–16, Geneva 1201 |
| USA | Continental Exchange Solutions, Inc. | 7000 Village Drive, Buena Park, CA 90621, USA |
| Puerto Rico | Ria Financial Services Puerto Rico, Inc. | Citi Tower 252 Ponce de Leon Avenue, Floor 20, San Juan, PR 00918 |
| Canada | Ria Telecommunications of Canada Inc. | 1000 rue De La Gauchetière O (#2500), Montréal (Québec) H3B 0A2 |
| Mexico | Ria Mexico Payment Solutions, S. de R.L. de C.V. | Av. Insurgentes Sur 686-B, Despacho 1003, Del Valle, Benito Juárez, C.P. 03100, CDMX |
| Chile | Ria Chile Servicios Financieros SPA | Catedral 1401, Santiago, Región Metropolitana |
| Argentina | Euronet Payment Services Limited, Sucursal | Santa Fe 1752, 1° piso, dpto A, Ciudad Autónoma de Buenos Aires |
| Malaysia | IME M SDN BHD | Unit 38-02, Level 38, Q Sentral, Jalan Stesen Sentral 2, 50470 Kuala Lumpur |
| Singapore | Ria Financial Services Singapore Pte. Ltd. | 152 Beach Road, #19-01/02, Gateway East, Singapore 189721 |
| Philippines | Ria Money Transfer, Inc. | 27th Floor, Unit E, Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City |
Ria Stores and Currency Exchange Services
| Country | Company to contact (controller) | Contact details |
|---|---|---|
| Italy | Ria Italia S.r.l. unipersonale | Via Francesco Benaglia 13, Roma 00153 |
| Switzerland | Ria Financial Services GmbH | Place de Cornavin 14–16, Geneva 1201 (registered: Langstrasse 192, 8005 Zürich) |
| France | Ria France S.A.S | 1 Rue du 19 Mars 1962, 92230 Gennevilliers, France |
| Belgium | Ria Envia Belgium SPRL | Rue Joseph II 36-38, 1000 Bruxelles |
| Germany | Ria Deutschland GmbH | Friedrichstr. 200, 10117 Berlin |
| Sweden | Ria Financial Services Sweden AB | Armégatan 40, 5 tr, 171 71 Solna |
| Norway | Ria Financial Services Norway AS | Skippergata 33, 0186 Oslo |
| Denmark | Ria Financial Services Denmark ApS | Nørre Voldgade 21, 1358 København K |
You can always submit a request to our Data Protection Officer by sending an email to dpo@euronetworldwide.com.