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Privacy Policy

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Privacy Policy

Last updated: April 2025

This Privacy Policy outlines how CGFX Online Limited trading as TransferFX ("we", "our", "us") collects, uses, shares, and protects your personal data. We are committed to safeguarding your information in accordance with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable laws.

1. Who We Are

CGFX Online Limited
Company number: 07955307
Registered Address: 19 Holly Park Road, London, England, N11 3HA
Email: enquiries@transferfx.co.uk

2. What Information We Collect

We collect the following personal data through our forms and website:

  • Full Name
  • Email Address
  • Telephone Number
  • Postal Address
  • Currency being sent and/or received
  • Expected transfer amount
  • Date of Birth
  • Message content (from contact forms)
  • IP address and browser/user agent
  • Analytics cookies (e.g., Google Analytics, Hotjar, Smartlook, Facebook Pixel)
  • Screen recordings via Smartlook (for site experience monitoring)

3. How We Use Your Data

We use your data for the following purposes:

  • To respond to enquiries and provide customer support (legitimate interest)
  • To process international payment orders and verify identity (legal obligation)
  • To comply with our regulatory obligations, including Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements (legal obligation)
  • To fulfil our contractual obligations with our regulated payment partner, Currencycloud (legal obligation)
  • To send you marketing communications, if you have opted in (consent)
  • To improve our website and services using anonymous analytics (legitimate interest)

4. Lawful Bases for Processing

We rely on the following lawful bases for processing personal data:

  • Consent – for sending marketing emails/newsletters
  • Legitimate Interests – to respond to contact form submissions and understand website usage
  • Legal Obligation – to fulfil compliance obligations and reporting requirements under financial regulation
  • Contract – to provide services via Currencycloud where necessary

5. Who We Share Your Data With

We may share your data with:

  • Currencycloud – our regulated payment and e-money service provider
  • Compliance and regulatory authorities – where legally required
  • Analytics and tracking providers – including Google Analytics, Facebook Pixel, Hotjar, and Smartlook
  • Email marketing/mailing system providers – only if you opt into marketing (no specific provider currently in use)

We do not sell your personal data to any third parties.

6. International Transfers

Your data may be transferred outside the UK, including to the United States, by our partner Currencycloud in order to process transactions and meet compliance requirements. Please refer to Currencycloud's Terms of Use for further information.

7. Data Retention

We retain your personal data for 5 years, particularly where it relates to transaction records or compliance requirements. Other personal data will also be retained for 5 years unless a longer retention period is required by law or regulation.

8. Your Rights

Under data protection law, you have the right to:

  • Access the personal data we hold about you
  • Correct inaccurate or incomplete data
  • Request deletion of your data (subject to legal exceptions)
  • Object to processing of your data
  • Withdraw consent (for marketing) at any time
  • Lodge a complaint with the Information Commissioner's Office (ICO): https://ico.org.uk/

To exercise any of these rights, please email enquiries@transferfx.co.uk

9. Cookies and Tracking

We use essential cookies and analytics cookies (Google Analytics, Hotjar, Smartlook, Facebook Pixel). These help us understand how users interact with our site and improve your experience.

Smartlook may record anonymised screen sessions for usability analysis. We do not collect personal data through cookies unless explicitly provided by you.

A cookie consent banner is installed to allow you to manage your preferences in line with UK PECR.

10. Contact

If you have questions or concerns about this Privacy Policy, or the way we process your data, please contact:

Data Protection Officer
Email: enquiries@transferfx.co.uk