Lobage Xawala is a money transfer service helping customers send funds to family, friends, and businesses across East Africa, the Horn of Africa, the Middle East, and other supported destinations.

Address: 191 Church Road, NW10 9EJ, United Kingdom.

To provide a safe and reliable money transfer service, we may collect:

• Identity information: full name, date of birth, nationality, and government-issued identification documents (passport, national ID, driving licence).
• Contact information: address, phone number, and email address.
• Transaction information: amount sent, currency, source of funds, purpose of the transfer, recipient name, recipient location, and recipient contact details.
• Verification information: proof of address, proof of source of funds, and any documents required by anti-money laundering (AML) and know-your-customer (KYC) regulations.
• Technical information: IP address, browser type, device information, and usage data when you visit our website.

We use the information we collect to:

• Process and deliver money transfers accurately and securely.
• Verify your identity and the identity of the recipient.
• Comply with legal, regulatory, anti-money laundering, and counter-terrorism financing obligations.
• Prevent fraud, financial crime, and unauthorised transactions.
• Communicate with you about your transfers, our services, and important updates.
• Improve our website, services, and customer support.

We process your personal data on the following legal bases:

• Contractual necessity — to provide the money transfer service you have requested.
• Legal obligation — to comply with financial regulations, AML and KYC laws.
• Legitimate interests — to prevent fraud, secure our service, and improve customer experience.
• Consent — where you have given clear permission for a specific purpose.

We do not sell your personal information. We may share your information only when necessary, including with:

• Payment partners, banks, and correspondent agents involved in delivering your transfer.
• Regulators, law enforcement, and government authorities where required by law.
• Identity verification, fraud prevention, and compliance service providers.
• Professional advisers such as auditors and legal advisers, under strict confidentiality.

Because we send money to many countries, your personal information may be transferred outside your country of residence. Where this happens, we take reasonable steps to ensure that adequate safeguards are in place to protect your information.

We retain your personal information for as long as required to provide our services and to comply with legal and regulatory obligations. Transaction and identification records are typically kept for at least five (5) years after the end of the customer relationship, in line with applicable AML legislation.

We use appropriate technical and organisational measures to protect your personal information against unauthorised access, loss, misuse, alteration, or disclosure. However, no method of transmission over the internet is fully secure, and we cannot guarantee absolute security.

Depending on your location, you may have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Request deletion of your personal information, subject to legal obligations.
• Object to or restrict certain processing of your information.
• Withdraw consent where processing is based on consent.
• Lodge a complaint with the relevant data protection authority.

To exercise any of these rights, please contact us using the details on our Contact page.

Our website may use cookies and similar technologies to improve performance, remember your preferences, and understand how visitors use our site. You can control cookies through your browser settings.

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. The latest version will always be available on our website with the updated date shown at the top.

If you have any questions about this Privacy Policy or how your information is handled, please contact us at:

Lobage Xawala
191 Church Road, NW10 9EJ
United Kingdom