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QuickTransfer Privacy Policy

Effective: 01 October 2025

Introduction

At FLEXSPECTRA LIMITED (“FLEXSPECTRA”, “we”, “us”, “our”), we are committed to protecting and respecting your privacy, handling your information in an open and transparent manner, and keeping it secure.

This Privacy Policy (“Policy”) explains, among other things: what personal information we collect; how and why we use it; with whom we share it; how we keep it secure; your rights; and how to contact us.

We may update this Policy from time to time to reflect changes in our practices or applicable law. Please review this page regularly for updates.

Quick highlights

  • Who we are: FLEXSPECTRA LIMITED (UK) provides international money transfer services under the QuickTransfer brand in cooperation with LEMONT FINANCE LTD (Canada), a FINTRAC-registered Money Services Business (License No. M23182877).
  • What we do: We process personal data to execute your one-off money transfers (no ongoing e-money account).
  • Sharing: We share data with trusted partners (payment processors, banks, compliance vendors) and, when required, with public authorities.
  • International transfers: Due to the nature of our service, data may be transferred outside the UK/EEA, including to Canada. Safeguards apply.
  • Marketing: We may send direct marketing (where permitted). You can opt out at any time.
  • Your rights: Access, correction, deletion, restriction, objection, portability, and complaint to a data protection authority.

Who we are (Controller details)

This website and service are operated by FLEXSPECTRA LIMITED (“FLEXSPECTRA”, “we”), company number 16745808, registered office: 6 South Molton Street, London, England, W1K 5QF.

For most processing activities described in this Policy, FLEXSPECTRA is the data controller under the UK GDPR and the Data Protection Act 2018, and where applicable the EU GDPR. In providing the QuickTransfer service, we cooperate with LEMONT FINANCE LTD, 1100-717 7 AVE SW, Calgary, Alberta, Canada, T2P0Z3, a Canadian FINTRAC-registered MSB (License No. M23182877). Depending on the transaction and jurisdiction, LEMONT FINANCE LTD may act as our processor or joint controller for compliance and execution purposes.

References to “you”, “your” are to users of our website https://quicktransfer.co and our money transfer service.

Definitions

  • Data Protection Legislation: UK GDPR and Data Protection Act 2018; where applicable, the EU GDPR and other local privacy laws.
  • Services: QuickTransfer money transfer services (no stored balance/e-money account; no airtime top-ups).
  • Marketing: Promotions, offers, news, surveys and related communications about our Services.

Personal information we collect

We may collect, use, store and transfer the following categories of data:

  • Identification & contact: name, date/place of birth, nationality, address, email, phone.
  • Verification (KYC): ID documents (passport/ID), proof of address, liveness/biometric checks (where permitted and required by law).
  • Transaction data: sender and recipient details, reason for transfer, amounts, currency, payout method, payment instrument details (masked where possible), confirmations.
  • Financial data: limited payment details (e.g., last 4 digits of card), bank identifiers (IBAN/SWIFT), and acquirer responses.
  • Technical & usage: device and browser info, IP, cookies, logs, clickstream, interaction with our site; mobile app events (if applicable).
  • Communications: support requests, complaints, call recordings (training/quality where lawful), marketing preferences.
  • Third-party sources: sanctions/PEP screening, fraud-prevention databases, credit reference & identity verification providers, public registers, social media (per your settings).
  • Recipient data: you may provide recipient’s name, account/card or payout details, and contact info. You confirm you have lawful authority to share those details.

How we collect personal information

  • Directly from you when you submit a transfer request, complete KYC, contact support, or set preferences.
  • Automatically via cookies and similar technologies (see “Cookies”).
  • From third parties (banks, processors, compliance vendors, fraud-prevention agencies, public sources) to meet legal and service requirements.

How and why we use personal information (purposes & legal bases)

We process personal data only where we have a lawful basis:

1) Contractual necessity

  • To receive, process and execute your money transfer request.
  • To verify identity where necessary to provide the service.
  • To send transactional communications (payment and delivery confirmations, notices).

2) Legal obligations

  • AML/CTF checks, sanctions screening, fraud monitoring and reporting.
  • Responding to lawful requests from regulators, tax and law enforcement authorities.
  • Record-keeping, audit, and statutory retention.

3) Legitimate interests

  • Service operation, security, troubleshooting, and incident management.
  • Protecting our business and users from fraud and misuse.
  • Improving and developing the site/service, analytics, and service quality (including call recording for training/quality where lawful).
  • Direct marketing about our own services to existing customers (where permitted). You can opt out at any time.
  • Enforcing our terms and defending legal claims.

4) Consent (where required)

  • Sending marketing to non-customers or via certain channels where consent is needed.
  • Using certain cookies/trackers (see “Cookies”).
  • Any processing requiring consent under local law. You may withdraw consent at any time (this won’t affect prior lawful processing).

Automated decision-making

We do not rely solely on automated decisions that produce legal or similarly significant effects. If we ever need to do so (e.g., for fraud prevention), it will be permitted by law, necessary for a contract, or based on your explicit consent—with meaningful safeguards and a right to human review.

Direct marketing & your choices

  • We may send you marketing about QuickTransfer if permitted by law (e.g., soft opt- in).
  • You can opt out at any time: use the unsubscribe link in our emails or email with subject “UNSUBSCRIBE”.
  • We may run online ads (e.g., on search/social platforms). You can manage ad preferences directly on those platforms.

Note: We will still send service messages (e.g., transfer status, legal notices).

Who we share personal information with

We share data only as necessary and subject to appropriate safeguards:

  • Payment & banking partners (acquirers, card schemes, correspondent banks) to process transfers.
  • Compliance & fraud prevention providers (KYC/AML screening, sanctions/PEP, fraud analytics).
  • Technology vendors (hosting, cybersecurity, communications, analytics, support tools).
  • Professional advisers (lawyers, auditors) and insurers.
  • Corporate transactions (merger, acquisition, restructuring)—your data may transfer to successors with equivalent safeguards.
  • Public authorities where required by law (regulators, law enforcement, tax). We do not sell your personal data.

International data transfers

Given the global nature of money transfers, your data may be transferred outside the UK/EEA, including to Canada (to LEMONT FINANCE LTD and Canadian service partners) and to other jurisdictions involved in the transfer route. Where such transfers occur, we implement appropriate safeguards, such as:

  • UK/EU Standard Contractual Clauses (SCCs) and UK Addendum/IDTA, plus transfer risk assessments;
  • Other approved mechanisms where applicable;
  • Additional technical/organizational measures.

Security

We apply appropriate technical and organizational measures to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure or access. No transmission over the internet is completely secure; once we receive your data, we use strict controls to protect it.

You can help keep your information safe by using strong, unique passwords; keeping device/software up to date; avoiding untrusted networks; and contacting us if you suspect unauthorized activity.

Data retention

We keep personal data only as long as necessary for the purposes described above and to comply with legal, regulatory and accounting requirements. Generally, this means keeping transaction and KYC records for at least 6 years after the end of our relationship or as otherwise required by law or regulation.

Your rights

Subject to applicable law, you may have the right to:

  • Access your personal data and obtain a copy;
  • Rectify inaccurate or incomplete data;
  • Erase data (“right to be forgotten”) in certain cases;
  • Restrict processing in certain cases;
  • Object to processing based on our legitimate interests and to direct marketing at any time;
  • Portability of certain data you provided to us;
  • Withdraw consent where processing relies on consent;
  • Complain to a supervisory authority.

We may need to verify your identity before responding. Some rights may be limited by legal obligations (e.g., AML record-keeping).

Exercising your rights & contact details

  • Data requests / privacy queries / marketing opt-out:
  • Customer supportt:
  • Complaints:

Postal address (Controller):

CASHVIA LIMITED, 142 Cromwell Road, London, England, SW7 4EF, 16745989

Cooperating MSB (Canada):

LEMONT FINANCE LTD, 1100-717 7 AVE SW, Calgary, Alberta, Canada, T2P0Z3

Supervisory authorities

  • UK: Information Commissioner’s Office (ICO) – ico.org.uk
  • If you are in the EEA: your local Data Protection Authority (see European Data Protection Board website).

Cookies and similar technologies

When you visit https://quicktransfer.co, we may place cookies and similar technologies (pixels, SDKs) on your device, subject to your consent where required by law. These help us operate the site, remember preferences, improve performance, and run analytics/marketing. You can manage preferences via our cookie banner/settings and your browser/device settings. (See our Cookie Policy on our website for details.)

Social media, links & widgets

Our site may include links to third-party sites and social widgets. Their privacy practices apply to any data you provide there. Please review their policies.

Third-party requests & representation

For your protection, we will only act on data-subject requests made by you or a duly authorized representative (with evidence of identity and authority). We may charge a reasonable fee or refuse clearly unfounded or excessive requests, as permitted by law.

Changes to this Policy

We may update this Policy to reflect changes in law or our practices. We will post the updated version and, where required, notify you.

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