📄 M’CUBE GLOBAL — PRIVACY POLICY

Last Updated: 11-25-2025

This Privacy Policy explains how M’Cube Global Limited (“M’Cube Global”, “we”, “our”, or “us”) collects, uses, shares, and protects your personal information when you use our website, mobile application, and money transfer services (“Services”).

We are committed to protecting your privacy and handling your data transparently, securely, and lawfully.

By using our Services, you agree to the practices described in this Privacy Policy.

1. Who We Are

M’Cube Global Limited
Company Number: 16351740
Authorised and regulated by the Financial Conduct Authority (FCA)
Firm Reference Number: 1043993

Registered Office:
Regus House, Victory Way
Crossways Business Park
Dartford, Kent DA2 6QD
United Kingdom

For questions regarding this policy, contact:
Email: info@mcubeholdings.com

2. Information We Collect

We collect personal data to provide safe, secure, and compliant money transfer services. The information we collect includes:

A. Information You Provide Directly

Full name
Date of birth
Residential address
Email address
Phone number
Identity documents (passport, driving licence, national ID)
Proof of address
Selfie or biometric verification
Payment details (bank account, card information—tokenized)
Recipient details

B. Information Collected Automatically

When using our website or app:

IP address
Device identifiers
Browser type
App usage data
Cookies and tracking technologies
Location-based data (where enabled)

C. Transaction Information

Transfers sent or received
Payment method
Amounts, fees, and exchange rates
Transaction history
Correspondence related to transactions

D. Compliance & Regulatory Information

To comply with KYC/AML laws:

Sanctions screening
Fraud monitoring flags
Risk assessments
Verification outcomes

3. How We Use Your Information

We use your information to:

A. Provide and Improve Our Services

Process international money transfers
Verify identity for compliance
Facilitate payments to recipients
Manage your account and settings

B. Ensure Security & Prevent Fraud

Detect suspicious activity
Conduct AML/CTF checks
Prevent unauthorized transactions
Monitor and secure system integrity

C. Meet Legal & Regulatory Obligations

FCA reporting
KYC/AML compliance
Record-keeping requirements

D. Communicate With You

Send transaction alerts
Provide customer support
Notify you of changes to services or terms
Deliver marketing updates (with your consent)

E. Enhance User Experience

Personalize the app/website
Improve usability and product design

We do not sell your personal data.

4. Legal Basis for Processing Data

We process your information under the following legal bases:

Contractual necessity – to provide money transfer services
Legal compliance – FCA, AML, KYC obligations
Legitimate interest – improving security and user experience
Consent – marketing communications, optional features

5. How We Share Your Information

We share information only when necessary and lawful, including with:

A. Payment & Payout Partners

Banks
Mobile money operators
Cash pickup agents
Payment processors

B. Identity Verification Partners

KYC service providers
Anti-fraud tools
Compliance partners

C. Regulatory Authorities

FCA
Law enforcement (if required)
Government regulators
Tax authorities when mandated

D. Service Providers

Cloud hosting providers
Customer support systems
IT and security vendors

We require all partners to follow strict data protection standards.

6. International Data Transfers

Some partners may be located outside the UK.
When transferring data internationally, we ensure:

Adequate data protection safeguards
Standard Contractual Clauses (SCCs)
Compliance with UK GDPR

Your information is protected wherever it is processed.

7. Data Retention

We retain your data only as long as necessary, including:

5–7 years for financial and regulatory record-keeping
Longer if required for investigations, legal claims, or regulatory matters

When no longer needed, data is securely deleted or anonymized.

8. Data Security

We protect your data using:

256-bit encryption
Secure servers and firewalls
Multi-factor authentication
Advanced fraud monitoring
Restricted employee access
Regular audits & penetration testing

While we work to ensure maximum security, no system is completely foolproof.

9. Your Rights Under UK GDPR

You have the right to:

Access your data
Correct inaccurate information
Request data deletion (where legally permitted)
Restrict or object to processing
Request data portability
Withdraw marketing consent
File a complaint with the UK Information Commissioner’s Office (ICO)

To exercise these rights, email us at:
info@mcubeholdings.com

10. Cookies & Tracking Technologies

We use cookies to:

Improve user experience
Analyze website/app performance
Enhance security
Deliver personalized content

You may manage cookie settings through your browser.

11. Marketing Communications

We may send you marketing messages only with your consent.
You may opt out at any time using:

Unsubscribe links in emails
Account settings
Contacting customer support

12. Children’s Privacy

Our Services are not intended for users under 18 years old.
We do not knowingly collect data from minors.

13. Changes to This Privacy Policy

We may update this policy occasionally.
When changes occur, we will:

Update the “Last Updated” date
Notify you through email or app alerts if changes are significant

Continued use of our Services means you accept the updated policy.

14. Contact Us

For questions or privacy-related requests:

M’Cube Global Limited
Regus House, Victory Way
Crossways Business Park
Dartford, Kent DA2 6QD
United Kingdom

Email: info@mcubeholdings.com
Phone: +44 7988 142473