Privacy Policy

Last updated: [PLACEHOLDER - Date]

1. Data Controller

• Identity: PMI Payment Services S.L.
• Tax ID: [PLACEHOLDER]
• Address: [PLACEHOLDER]
• Email: dpo@pmi.tech
• Data Protection Officer: dpo@pmi.tech

2. Purposes of Processing

At PMI we process personal data for the following purposes:

• Management of the commercial relationship and provision of payment services.
• Compliance with legal obligations (anti-money laundering, payment services regulation).
• Sending commercial communications (with prior consent).
• Handling inquiries and information requests.
• Analysis and improvement of our services.

3. Legal Basis

• Performance of a contract or pre-contractual measures.
• Compliance with a legal obligation (Anti-Money Laundering Act).
• Consent of the data subject.
• Legitimate interest of the controller.

4. Data Recipients

Personal data may be disclosed to:

• Competent authorities (Bank of Spain, SEPBLAC) in compliance with legal obligations.
• Correspondent financial institutions necessary for the execution of transfers.
• Service providers acting as data processors.

5. International Transfers

Given the nature of our international money transfer services, personal data may be transferred to countries outside the European Economic Area. In such cases, PMI ensures that appropriate safeguards are applied in accordance with the GDPR (standard contractual clauses, adequacy decisions, etc.).

6. Data Retention

Personal data will be retained for the time necessary to fulfill the purpose for which it was collected. Data related to payment operations will be retained for a minimum of 10 years in accordance with anti-money laundering legislation.

7. Data Subject Rights

You have the right to:

• Access your personal data
• Rectification
• Erasure
• Restriction of processing
• Data portability
• Object to processing

To exercise these rights, please contact: dpo@pmi.tech

You also have the right to lodge a complaint with the Spanish Data Protection Agency (www.aepd.es).