Privacy Policy

This Privacy Policy (this "Policy") explains how Remi Technology Pte. Ltd. and its affiliated entities (collectively, "Remi", "we", "us" or "our") operating www.remitech.ai (this "website") collect, use, disclose and protect personal data when you visit this website, contact us, register for website or member access, request information, download or view resources, or otherwise interact with us through this website.

This website is primarily intended for institutional and professional audiences, including banks, regulated financial institutions, fintech companies, payment companies, licensed digital-asset institutions, regulators, media representatives and business partners. It is not intended for children or for individual financial services.

1. Personal Data We Collect

Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include data where the identity has been removed (anonymous data). We may collect personal data or information that you voluntarily provide to us and derived through consented channels or automated tracking mechanisms when you interact with our website, which may include without limitation the following:

• Identity Data includes first name, middle name, maiden name, last name, title, tax ID, marital status, date of birth, gender, identity document number, nationality and any other information contained in any identification documents you provide to us (e.g. your passport or driver's license).
• Contact Data includes billing address, residential address, email address, telephone numbers and correspondence records.
• Transaction Data includes details of your activity in the website such as the amount, date, time, recipient for each transaction.
• Technical Data includes your internet protocol (IP) address, login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access the website.
• Profile Data includes your username or similar identifier, password, your preferences, feedback and any survey responses.
• Usage Data includes information about how you use the website.
• Communications Data includes your preferences in using our website and your communication preferences.
• Survey and Customer Feedback Data includes information you provide in any survey or feedback forms on the website.

We also collect, use and share aggregated data such as statistical or demographic data for any purpose. Aggregated data may be derived from your personal data but is not considered personal data in law as this data does not directly or indirectly reveal your identity. 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 Policy.

Where you consent, we use Google Analytics to understand website traffic, page usage and content performance.

We do not intentionally collect special or sensitive categories of personal data through the public website. Please do not submit sensitive personal data in free-text message fields unless we specifically request it.

2. How We Use Personal Data

To the extent as permitted by applicable laws governing your use of our website, we use personal data for the following purposes:

• To verify your identity when you access and use our website to ensure the security of your personal information.
• To retain and use details of the services that you have previously used or inquired about to make suggestions to you for other services or content which we think you may also be interested in, provide you with more tailored offers and personalise your experience on the website.
• To operate, secure and improve the website.
• To respond to inquiries and provide requested information.
• To assess institutional eligibility, membership inquiries and potential business relationships.
• To create, maintain and secure website or member accounts.
• To provide access to resources, product information, technical documentation and demonstrations.
• To conduct business development, partnership and onboarding discussions.
• To comply with legal, regulatory, sanctions, AML / CFT, audit, tax, accounting and governance obligations where applicable.
• To protect Remi, our website, our network, our users and our partners from fraud, misuse, cyber threats and unauthorised access.
• To measure and improve website performance and content, where you have consented to analytics cookies.
• To send business communications where permitted by law or where you have opted in.
• For other necessary purposes to improve your use of our website.

3. Legal Bases for Processing

We only process personal data where we have an appropriate legal basis to do so and within the applicable legal framework of the jurisdiction governing your use of our website. Depending on the circumstances, such legal bases generally include:

• Consent — for optional analytics cookies and similar technologies, and for certain optional communications where required.
• Contract or pre-contractual steps — to respond to your requests, evaluate a potential business relationship, support registration, onboarding or membership discussions, and provide requested services.
• Legitimate interests — to operate a B2B website, respond to institutional inquiries, maintain business relationships, secure our systems, improve our services and prevent misuse, provided those interests are not overridden by your rights and interests.
• Legal obligation — to comply with applicable legal, regulatory, audit, tax, AML / CFT, sanctions, recordkeeping or supervisory obligations.

You may withdraw your consent at any time where our processing is based on consent. Withdrawal does not affect the lawfulness of processing carried out before withdrawal.

4. Cookies and Similar Technologies

We use cookies, local storage, session storage, service-worker technologies and similar tools.

Strictly necessary technologies are used for website security, consent management, account login, authentication, session management and requested functionality. They are active by default.

Optional functional technologies may remember non-essential preferences or improve media playback and user experience.

Optional analytics technologies help us understand website usage. We currently use Google Analytics only where you have given your consent under our cookies policy.

You may accept or reject non-essential cookies through our cookie banner. Please refer to our Cookie Policy for more details.

5. How We Share Personal Data

To the extent as permitted by applicable laws governing your use of our website, we may share your personal data with:

• Remi group entities and affiliates, where necessary for website operation, business development, compliance, onboarding or network-related services.
• Service providers that support hosting, security, cloud infrastructure, email, customer relationship management, analytics, document management, communications and website operations.
• Google Analytics, only if you consent to analytics cookies.
• Professional advisers, auditors, insurers, banks and legal counsel.
• Regulators, supervisory authorities, law enforcement agencies, courts or other public authorities, where required or permitted by law.
• Counterparties or partners in a proposed business transaction, merger, restructuring, financing or transfer of business, subject to appropriate confidentiality safeguards.

We do not sell personal data.

6. International Transfers

Remi operates internationally and may process personal data in Singapore, the United States, European Economic Area, the United Kingdom and other jurisdictions where Remi, its affiliates, service providers or partners operate.

Where personal data is transferred across borders, we use appropriate safeguards, such as contractual protections, transfer risk assessments and technical and organisational measures, to help ensure that personal data continues to receive an appropriate level of protection as required by applicable laws.

7. Retention

We keep personal data only for as long as reasonably necessary for the purposes described in this Policy, unless a longer retention period is required or permitted by applicable law. The criteria used to determine the appropriate retention period includes:

• Regulatory requirements we are subject to;
• Necessity of information to provide our services;
• The types of personal information being processed;
• The legal basis for processing your information — e.g. consent.

Subject to any specific applicable laws requiring longer period, typical retention periods include:

• Cookie consent records: for the life of the consent record and a reasonable period thereafter for audit purposes.
• Website security logs: generally up to 12 months unless needed for investigation or security purposes.
• Contact inquiries: generally up to 3 years after the last meaningful interaction, unless the inquiry becomes part of an ongoing business relationship.
• Account and registration records: for the duration of the account or relationship and a reasonable period thereafter.
• Membership, onboarding, compliance and due diligence records: as required for legal, regulatory, audit, AML / CFT, sanctions, tax, accounting or contractual purposes, which may be longer.
• Analytics data: determined according to our Google Analytics settings and applicable retention controls. We may retain anonymised or aggregated information that no longer identifies an individual.

8. Security

We use technical and organisational measures designed to protect personal data against unauthorised access, loss, misuse, alteration or disclosure. These measures may include access controls, encryption, secure authentication, logging, monitoring, vulnerability management and internal policies.

No website or transmission method is completely secure and Remi should not be held responsible for unauthorized or accidental access beyond our control. If you believe your interaction with Remi is no longer secure, please contact us immediately.

9. Your Rights

Depending on where you are located and which laws apply to you, you may have rights to:

• Access your personal data;
• Correct inaccurate or incomplete personal data;
• Request deletion of your personal data;
• Restrict or object to certain processing;
• Receive a portable copy of certain personal data;
• Withdraw consent where processing is based on consent;
• Object to direct marketing;
• Lodge a complaint with a data protection authority.

To exercise your rights, please contact us by emailing compliance@remitech.ai. We may need to verify your identity and authority before responding to your request.

10. Third-Party Websites

Our website may contain links to third-party websites and platforms. Those third parties operate independently of Remi and are responsible for their own privacy practices. We encourage you to read review their privacy policies before providing personal data to them.

11. Children's Privacy

This website is intended for institutional and professional users. We do not knowingly collect personal data from children. If you believe we have received personal data from children under the age of 18, please email us at compliance@remitech.ai. If you are under the age of 18 but you want to use our website, your parent or guardian must review and agree to be bound by this policy on your behalf.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any updated version will be posted on this website with a new "Last updated" date. If we make material changes, we will provide additional notice where required by law.

13. Contact Us

For privacy-related questions, requests or complaints, please contact us by emailing: compliance@remitech.ai.