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Privacy Policy

This Privacy Policy describes how MSB ("MSB Foreign Exchange", "MSB Finance", "MSB FX", "MSB", "we," "us," or "our") collects, uses, and shares personal information when you visit and use our website, located at www.msb-fx.com ("Website"). It also explains your rights and choices regarding your personal information and how you can contact us if you have any questions or concerns.

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1. Information We Collect
 

1.1. Personal Information When you visit our Website or interact with our services, we may collect certain personal information from you, including:

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  • Contact Information: Your name, email address, and phone number.

  • Account Information: If you create an account on our Website, we may collect your username, password, and other account-related details.

  • Communication Data: Any information that you provide to us when contacting us via email or other communication channels.
     

1.2. Log Data and Cookies When you access our Website, our servers automatically record certain information known as "Log Data." This Log Data may include your IP address, browser type, referring/exit pages, and other usage information. We may also use cookies and similar tracking technologies to collect information about your browsing activities on our Website. You can manage your cookie preferences through your browser settings.
 

2. Use of Personal Information
 

2.1. We may use the personal information we collect for the following purposes:

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  • To provide and maintain our services, including customer support and account management.

  • To communicate with you and respond to your inquiries or requests.

  • To personalise and improve your experience on our Website.

  • To send you promotional materials and updates about our services, with your consent.

  • To comply with legal obligations and protect our rights and interests.


3. Sharing of Personal Information
 

3.1. We may share your personal information with third parties in the following circumstances:
 

  • Service Providers: We may engage trusted third-party service providers to assist us in operating our Website and delivering our services. These providers will only have access to your personal information as necessary to perform their functions and are obligated to keep it confidential.

  • Compliance with Law: We may share your personal information to comply with applicable laws, regulations, or legal processes.

  • Business Transfers: In the event of a merger, acquisition, or other business transaction, we may transfer your personal information to the relevant third party.

  • Fraud Prevention: We take internet fraud very seriously, and if we have reason to believe that a crime is being committed or that our website has been abused in any way, we reserve the right to share any relevant information with law enforcement and fraud prevention agencies, including banks.


4. Data Retention
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4.1. We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.
 

5. Consumer Rights (FCA) and Fraud Prevention
 

5.1. As a financial services firm, we comply with consumer rights as outlined by the Financial Conduct Authority (FCA) in the United Kingdom. These rights include:
 

  • The right to access your personal information and receive a copy of it.

  • The right to rectify any inaccurate personal information we hold about you.

  • The right to erase your personal information under certain circumstances.

  • The right to restrict or object to the processing of your personal information.

  • The right to data portability, allowing you to receive your personal information in a structured, commonly used, and machine-readable format.
     

5.2. We take internet fraud very seriously, and if we have reason to believe that a crime is being committed or that our website has been abused in any way, we reserve the right to share any relevant information with law enforcement and fraud prevention agencies, including banks. This action is taken to protect our users and the integrity of our services.
 

6. Your Choices and Rights
 

6.1. You have the right to:
 

  • Withdraw your consent: If you have given us your consent to process your personal information, you have the right to withdraw that consent at any time. Please note that withdrawing consent does not affect the lawfulness of processing based on consent before its withdrawal.

  • Opt-out of marketing communications: You can choose not to receive promotional materials and updates from us by following the opt-out instructions provided in the communication or by contacting us directly.

  • Access, rectify, and delete your personal information: You have the right to access, correct, or delete your personal information held by us. Please contact us using the details provided in section 6.2 below to make such requests.

  • Object to processing: You may object to the processing of your personal information based on our legitimate interests. We will assess your objection and, if justified, stop processing your personal information, unless we have compelling legitimate grounds to continue processing.

  • Lodge a complaint: If you believe that your data protection rights have been violated, you have the right to lodge a complaint with the Information Commissioner's Office (ICO) or the relevant data protection supervisory authority in your jurisdiction.


7. Contacting the ICO and MSB's Data Protection Officer
 

7.1. If you have concerns about how we handle your personal information or wish to exercise your rights, you can contact our Data Protection Officer using the following details:
 

Data Protection Officer

 

Lily Budd - lily.budd@msb-fx.com

 

Office One, 1 Coldbath Square

Farringdon

London

EC1R 5HL

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7.2. Additionally, if you believe that your data protection rights have been violated, you have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK's supervisory authority for data protection issues. You can contact the ICO using the following details:
 

Information Commissioner's Office (ICO)

 

www.ico.org.uk 

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0303 123 1113

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Information Commissioner's Office
Wycliffe House
Water Lane
Wilmslow
Cheshire
SK9 5AF

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Please note that we may request additional information to verify your identity before fulfilling certain requests or exercising your rights.
 

We encourage you to review this Privacy Policy periodically for any updates or changes. By continuing to use our Website, you consent to the terms of this Privacy Policy.
 

Payment services (non Mifid products/services) for MSB Foreign Exchange are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

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Payment services for MSB Foreign Exchange are provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). License No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951

 

MSB Foreign Exchange's Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. MSB is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited (EPUK) is an Authorised Electronic Money Institution and is a licensed entity that is permitted to offer spots and forwards for commercial purposes of facilitating payment for identifiable goods or services and direct investments, as per the applicable Markets in Financial Instruments Directive II (MiFID) exemption. Regulated investment products, as defined in MiFID II, fall out of the scope of this licence and are not permitted to be traded under EPUK. Ebury Partners UK Ltd are is a company registered in England and Wales no. 07088713. Ebury Partners UK Ltd is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Firm Reference Number: 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828.

© 2024 MSB Foreign Exchange

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