Effective 1 April 2024

We are committed to protecting your data, and your privacy. We will not sell your personal data.

This privacy notice describes who we are and how and why we collect, store, use, and share your personal data in accordance with the Data Protection Legislation. It explains your associated rights and how to contact us or the supervisory authorities if you are unsatisfied with the response. This Privacy Notice is relevant to anyone who interacts with our services, including website users.

If you have signed an agreement with us, the agreement shall prevail and this notice shall be used for information purposes only.

We are subject to the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. We are also subject to the EU General Data Protection Regulation (EU GDPR) in relation to goods and services we offer to individuals and our wider operations in the European Economic Area (EEA).

In this notice, Anjna Enterprise means Anjna Enterprise Ltd, a company incorporated under the laws of England and Wales, registration No 05192177, whose registered office is at 631 Leeds Road, Bradford, West Yorkshire, BD3 8BH – United Kingdom.

We have appointed a Data Protection Manager (DPM) to oversee our data protection obligations and compliance with this privacy notice. Please see below for more information on how to contact our DPM.

1. About us

Anjna Enterprise is responsible for deciding the way your personal data is processed in relation to any product or service Anjna Enterprise provides, and we are therefore defined as a ‘data controller’ of your personal data.

2. Why do I need to read this notice?

We collect your personal data when you use:

• Our website at https://www.anjnaenterprise.com/.

• Any of the services available to you through our website.

We may also collect your personal data from other people or companies. We explain how this can happen in the “When and why we collect personal data about you” section below.

‘Personal data’ includes information which we know about you and can be used to personally identify you. This notice explains what information we collect, how we use it, and your rights over your personal data.

If you wish to enquire or raise concerns about how we use your personal data, you can contact The Data Protection Manager at info@anjnaenterprise.co.uk.

3. When and why we collect personal data about you

We may collect personal data when you:

• Browse our website.

• Correspond with us for pre-sales, or where unrelated to a contractual engagement with us, and via any form (e.g., survey, social media, live chat, telephone, or email).

• Register to use the Anjna Enterprise services via our web service, or correspond with us regarding services we provide to you.

• Use our payment service.

When you register with us, or use our payment services…

We may collect:

• Your name, address, email address, and phone number.

• Your date of birth.

• Details of your bank account, including the account number, sort code, and IBAN.

• Copies of your identification documents (for example, your passport or driving licence).

• Copies of utility bills or bank statements.

• Your country of residence, tax residency information, and tax identification number.

• Your image in photo or video form, and facial scan data extracted from your photo or video (known as ‘biometric data’).

• Details of recent transactions made using our services.

We may collect information from third parties such as:

• Sanctions and politically exposed persons status information from official registers and Know Your Customer information provider databases.

• Publicly available social media information, and information and contact details from publicly available sources, such as media stories, online registers or directories, and websites.

What we collect this information for

• Checking your identity: This information may be checked against public sources or KYC provider databases to authenticate you as an authorised user of our services and verify your identity. It enables us to comply with our obligations under KYC, anti-money laundering, and other laws and to assist with fraud monitoring and prevention.

• Providing our services: Whenever you apply for or use our services, we may use your personal data to decide whether to approve your application and meet our contractual and legal obligations relating to any products or services you use.

• Protecting against fraud: We use your personal data to check your address and identity, protect against fraud, keep to financial crime laws and to confirm that you’re eligible to use our services.

• Meeting our legal obligations: We use your personal data to share it with other organisations (for example, government authorities, law enforcement authorities, tax authorities, fraud prevention agencies).

4. Do you make automated decisions about me?

Depending on the products or services you use, we may make automated decisions about you. This means that we may use technology that can evaluate your personal circumstances and other factors to predict risks or outcomes. We do this for the efficient running of our services and to ensure decisions are fair, consistent, and based on the right information.

For example, we may make automated decisions about you that relate to:

• KYC, anti-money laundering and sanctions checks.

• Identity and address checks.

• Detecting fraud, in monitoring your transaction activity to detect fraud and financial crime.

Where we make an automated decision about you, you have the right to ask that a person manually reviews it.

5. Do you run credit checks on me?

Credit checks are not required for any of our current services, and therefore we will not run credit checks on you.

6. How do you use my personal data for marketing?

If you sign up to our services, and where national laws allow, we’ll assume you want to be contacted by post, email and text message with information about our products, services, offers and promotions. We won’t pass your details on to any external organisation for their marketing purposes without your permission. You can object to profiling for direct marketing purposes. You can also adjust your preferences or tell us you don’t want to receive direct marketing at any time.

7. What are my rights?

Your rights under UK and EU data protection law are outlined below.

• You have the right to be told how we use your personal data.

• You have the right to ask us for a copy of your personal data.

• You can ask us to correct your personal data if you think it’s wrong.

• You can ask us to delete your personal data. As a regulated financial services provider, we must keep certain customer personal data even when you ask us to delete it.

• You can object to us processing your personal data for marketing purposes.

• You can object to us processing other personal data (if we’re using it for legitimate interests).

• You can ask us to restrict how we use your personal data.

• You can ask us to transfer personal data to you or another company.

• You can withdraw your permission (consent) at any time.

• You can ask us to carry out a human review of an automated decision we make about you.

8. How do I exercise my rights?

To exercise any of your rights described in the previous section, you can send us an email to info@anjnaenterprise.co.uk.

For security reasons, we can’t deal with your request if we’re not sure of your identity, so we may ask you for proof of ID. We will usually not charge you a fee when you exercise your rights. However, the law allows us to request a reasonable fee or refuse to act on your request if it is unreasonably unfounded, excessive, or repetitive.

9. Do you share my personal data with anyone else?

We may share your data with:

• People or companies that you pay money to: When you initiate a payment, we’ll provide the recipient with your name alongside your payment.

• Suppliers: We share your personal data with suppliers who provide us with IT, payment service delivery support services, and communications services providers.

• Our banking partners and payments networks.

• Identity verification and KYC service providers.

• Other financial institutions, government authorities, and fraud prevention agencies for legal reasons.

• Social media and advertising companies: When we use social media for marketing purposes, your personal data (limited to only your name, email address) may be shared with the social media platforms so that they can check if you also hold an account with them.

10. Will my personal data go outside the United Kingdom or Europe?

As we provide an international service, we may need to transfer your personal data outside the United Kingdom or European Economic Area (EEA) to help us provide our services. For example, if you make an international payment, we’ll send funds to banks or payment partners outside the United Kingdom or EEA. If we transfer your personal data to another country that doesn’t offer a standard of data protection equivalent to the United Kingdom, we will make sure that your personal data is sufficiently protected.

11. How do you protect my personal data?

We recognise the importance of protecting and managing your personal data. We use a variety of organisational and technical measures to maintain the confidentiality, availability and integrity of your personal data. Personal data is stored on secure computer systems with access management controls to limit access to only authorised individuals. While we take all reasonable steps to ensure that your personal data will be kept secure from unauthorised access, we cannot guarantee it will be secure during input into our website by you.

12. How long will you keep my personal data for?

We will keep your personal data for as long as necessary to achieve the original purpose we collected it for, and in line with relevant laws. We are required to keep certain personal data for specified time periods by KYC, anti-money laundering or payment services law.

13. How will you keep me updated about how you use my personal data?

If we change the way we use your personal data, we’ll update this notice and, if appropriate, let you know by email or through our website.