Privacy Policy | Dinheiro

1. Who We Are

Dinheiro is a trading name of Dinheiro Limited, a company registered in England and Wales under Company Number 15820088. Our registered office is at 71-75 Shelton Street, Covent Garden, London, United Kingdom, WC2H 9JQ.

Payment services for Dinheiro Limited are provided by Sciopay Ltd, a company incorporated in England and Wales (Registration No: 12352935), authorised by the Financial Conduct Authority as an Authorised Payment Institution (FRN: 927951).

We are committed to protecting your personal data and handling it responsibly in accordance with the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018. This policy explains what data we collect, how we use it, and your rights.

If you have any questions about this policy or how we handle your data, please contact us at info@dinheiro.uk.

2. What Personal Data We Collect

Depending on how you interact with us, we may collect and process the following categories of personal data:

Identity data: full name, date of birth, nationality, and copies of identity documents where required for compliance purposes.
Contact data: email address, telephone number, and postal address.
Financial data: bank account details, transaction amounts, currency preferences, and payment instructions.
Business data: company name, registration number, and nature of business, where applicable.
Technical data: IP address, browser type and version, time zone, operating system, and other technology identifiers collected when you use our website.
Usage data: information about how you use our website, including pages visited, time spent, and links clicked.
Communications data: records of correspondence, enquiries, and feedback submitted to us via forms, email, or telephone.

We do not collect any special categories of personal data (such as data relating to health, religion, or political opinions) unless required by law.

3. How We Collect Your Data

We collect personal data through the following means:

When you complete an enquiry, quote request, or contact form on our website.
When you apply for an account or submit a job application.
When you communicate with us by email, telephone, or in writing.
Automatically through cookies and similar technologies when you browse our website. Please see our Cookie Policy for more details.
From third parties, including identity verification providers and fraud prevention agencies, where we are legally required to conduct such checks.

4. How We Use Your Personal Data

We use your personal data for the following purposes and on the following legal bases:

To provide and manage our services (contractual necessity): processing transactions, setting up and administering accounts, and fulfilling payment instructions.
To comply with legal and regulatory obligations (legal obligation): conducting identity verification and anti-money laundering checks, reporting to regulatory authorities, and retaining records as required by law.
To respond to enquiries and provide support (legitimate interests): handling your questions, complaints, and requests for information.
To improve our website and services (legitimate interests): analysing how our website is used to improve functionality, content, and user experience.
To send marketing communications (consent): where you have opted in, we may contact you with relevant updates, news, and offers. You may withdraw consent at any time.
To prevent fraud and protect security (legitimate interests and legal obligation): detecting and preventing fraudulent activity, unauthorised access, and other illegal activity.

5. Who We Share Your Data With

We do not sell your personal data. We may share it with third parties only in the following circumstances:

Sciopay Ltd, our regulated payment services provider, which processes transactions on our behalf and is subject to its own regulatory obligations.
Identity and compliance providers used to fulfil our legal obligations under anti-money laundering and know-your-customer regulations.
IT and technology service providers that support the operation of our website and internal systems, acting as data processors under our instruction.
Professional advisers including lawyers, accountants, and auditors, where necessary.
Regulatory and law enforcement authorities where we are required to disclose data by law, court order, or regulatory instruction.

Where we share data with third parties, we take reasonable steps to ensure they handle it securely and in accordance with applicable data protection law.

6. International Transfers

Your personal data is primarily processed within the United Kingdom. Where it is transferred outside the UK, we ensure that appropriate safeguards are in place, such as the use of UK International Data Transfer Agreements or transfers to countries with an adequacy decision from the UK Secretary of State.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, including to satisfy legal, regulatory, accounting, or reporting requirements.

For data relating to payment services and financial transactions, we are required by law to retain records for a minimum of five years from the end of our business relationship with you, and in some cases longer.

Where data is no longer required, we securely delete or anonymise it.

8. Your Rights

Under UK GDPR, you have the following rights in relation to your personal data:

Right of access: you may request a copy of the personal data we hold about you.
Right to rectification: you may ask us to correct inaccurate or incomplete data.
Right to erasure: you may request deletion of your data where there is no longer a lawful basis for us to hold it.
Right to restriction: you may ask us to restrict the processing of your data in certain circumstances.
Right to data portability: where processing is based on consent or contract, you may request your data in a structured, machine-readable format.
Right to object: you may object to processing based on legitimate interests, including for direct marketing purposes.
Right to withdraw consent: where processing is based on your consent, you may withdraw it at any time without affecting the lawfulness of prior processing.

To exercise any of these rights, please contact us at info@dinheiro.uk. We will respond within one calendar month. We may need to verify your identity before processing your request.

You also have the right to lodge a complaint with the Information Commissioner's Office (ICO), the UK supervisory authority for data protection, at www.ico.org.uk.

9. Cookies

Our website uses cookies to improve your browsing experience and help us understand how the site is used. For full details of the cookies we use and how to manage them, please read our Cookie Policy.

10. Security

We implement appropriate technical and organisational measures to protect your personal data against accidental loss, unauthorised access, alteration, or disclosure. Access to personal data is restricted to those who have a genuine business need to process it.

While we take security seriously, no method of transmission over the internet is entirely secure. If you have reason to believe your interaction with us is no longer secure, please notify us immediately at info@dinheiro.uk.

11. Third-Party Links

Our website may contain links to third-party websites. This Privacy Policy applies only to our website and services. We are not responsible for the privacy practices of any third-party site and encourage you to review their policies before providing any personal data.

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Any changes will be published on this page with an updated date. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions, concerns, or requests relating to this Privacy Policy or the way we handle your personal data, please contact us:

Email: info@dinheiro.uk
Post: Dinheiro Limited, 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ

Last updated: April 2026. Dinheiro Limited is registered in England and Wales. Company Number: 15820088.