Who We Are

FRS ("we", "us", or "our") is a financial technology company providing international transfer, mobile money, and merchant services to users in Gambia, the United Kingdom, the United States, and the European Union. We are committed to protecting your personal data and your right to privacy.

What Data We Collect

We collect information you provide directly to us when you create an account, use our services, or contact us for support. This includes:

• Identity information - full name, date of birth, nationality
• Contact information - email address, phone number, residential address
• Identity verification documents - passport, national ID, utility bills
• Financial information - bank account details, transaction history, wallet balances
• Device and usage data - IP address, device type, app usage patterns

How We Use Your Data

We use your personal information to provide and improve our services, including to:

• Process transactions and deliver transfers
• Verify your identity and comply with anti-money laundering (AML) regulations
• Communicate with you about your account, transactions, and service updates
• Detect, prevent, and investigate fraud and security incidents
• Comply with applicable laws and regulatory requirements

Legal Basis for Processing

We process your personal data on the following legal bases: performance of a contract (to provide our services), compliance with legal obligations (regulatory and AML requirements), legitimate interests (fraud prevention and service improvement), and with your consent where required.

Sharing Your Data

We do not sell your personal data. We may share your data with third parties only as necessary to provide our services - including banking partners, payment processors, identity verification providers, and regulatory authorities where required by law.

Data Retention

We retain your personal data for as long as your account is active and for a period thereafter as required by law - typically 5-7 years for financial transaction records under applicable AML regulations.

Your Rights

Depending on your jurisdiction, you may have the right to access, correct, delete, or restrict the processing of your personal data. To exercise your rights, contact us at privacy@frs.app. We will respond within 30 days.

Security

We use industry-standard encryption (256-bit SSL/TLS), secure data storage, and strict access controls to protect your data. We conduct regular security audits and penetration testing.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or in-app notification. Continued use of our services after changes constitutes acceptance of the updated policy.

Contact Us

For privacy-related enquiries: privacy@frs.app

For general support: support@frs.app