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