Privacy & Cookies Policy

Last Updated: 22-09-2025

Company Name: AYMED PTY LTD (trading as FamRemit)

ACN: 656 294 183

Registered Office: 3 Gilbert Street, Walgett, New South Wales 2832, Australia

Email: info@famremit.com

1. Introduction

AYMED PTY LTD, trading as FamRemit, is a registered money remittance business in Australia, serving customers worldwide. We respect your privacy and are committed to safeguarding your personal information.

This Privacy & Cookies Policy explains:

• How we collect, use, and share personal information
• How we use cookies and similar technologies
• How we comply with Australian privacy law, AUSTRAC regulations, and AML/CTF obligations
• Your rights and choices regarding your personal data

By using our services, you agree to the practices described in this policy.

2. Information We Collect

We collect personal information in three main ways: directly from you, automatically from your device, and from trusted third parties.

2.1 Information You Provide Directly

• Name, date of birth, and contact details (email, phone)
• Identity documents (passport, driver’s license, national ID)
• Payment information (bank account or card details)
• Communications with our support team
• Other details required for onboarding and KYC/AML compliance

2.2 Information Collected Automatically

• Device and browser information
• IP address and approximate location data
• Website usage data (pages visited, clicks, session duration)
• Cookies and analytics data

2.3 Information from Third Parties

• UpPass for KYC/AML verification
• Government watchlists and fraud-prevention services
• Social media or email providers if you choose to log in via these services
• Lead enhancement and marketing partners

3. How We Use Personal Information

We use your personal data to provide safe, compliant, and reliable services. This includes:

• Verifying your identity (AUSTRAC and AML/CTF compliance)
• Processing and recording transactions
• Providing customer service and support
• Improving our website, app, and overall user experience
• Detecting and preventing fraud or suspicious activity
• Meeting legal and regulatory requirements
• Sending marketing communications (only with your consent)

4. UpPass KYC / AML Integration

We partner with UpPass for identity verification and AML/KYC screening. UpPass may collect personal data such as your full name, identity documents, and biometric facial recognition to confirm your identity.

• UpPass acts as a data processor on our behalf; FamRemit remains the data controller.
• Your information is only used for regulatory compliance and fraud prevention.
• For more details, please review the UpPass Privacy Notice.

5. Cookies and Third-Party Services

5.1 What Are Cookies?

Cookies are small files stored on your device that improve your experience and allow us to deliver essential services, analytics, and advertising.

5.2 Types of Cookies

5.3 Third-Party Cookies Used

Compliance Note: Some cookies collect behavioral data to detect fraud or suspicious activity. All processing complies with AUSTRAC and the Privacy Act 1988.

5.4 Managing Cookies

• You can adjust your browser settings to refuse or delete cookies.
• Strictly necessary cookies cannot be disabled as they are required for core functionality.
• Non-essential cookies, such as analytics and advertising cookies, can be opted out via cookie banners or third-party tools.

6. Data Retention

We retain personal information as required to provide our services, comply with legal obligations, and meet AUSTRAC compliance requirements.

• UpPass retains KYC/AML data according to their policy and AUSTRAC retention rules.
• Cookies and analytics data are stored for a limited period to improve website performance and ensure compliance.

7. Security

We implement appropriate physical, technical, and administrative safeguards to protect personal information. However, no system is completely secure. We recommend using strong passwords and protecting sensitive data.

8. Sharing Your Information

We may share your information with the following parties when necessary:

• Third-party service providers such as payment processors, IT providers, and auditors.
• Law enforcement or legal authorities, when required by law.
• Corporate affiliates during mergers or acquisitions.
• UpPass and other approved third-party KYC/AML services, but only as necessary for identity verification.

9. Your Rights

You have the right to:

• Access your personal data.
• Request correction or deletion of your personal data.
• Withdraw consent for marketing communications.
• Request suspension or object to processing of your personal information.
• Request data portability.

To exercise your rights, contact us at info@famremit.com.

10. Changes to This Policy

We may update this Privacy & Cookies Policy from time to time. The latest version will always be posted on our website, and we encourage you to review it regularly.

11. Contact Us

AYMED PTY LTD (FamRemit)
3 Gilbert Street, Walgett, New South Wales 2832, Australia
Email: info@famremit.com

This document is fully tailored for:

• AUSTRAC-regulated cross-border remittance
• UpPass KYC/AML integration
• All current third-party services
• Cookie management and compliance