1. Who we are
This policy explains how ES Money Limited (“ES Money”, “we”, “us”) handles personal information collected through this website and, after launch, through our payment services. ES Money Limited is a Hong Kong company preparing to offer cross-border B2B payment services; until we go live, the information we hold is limited to enquiries made through this site.
2. Information we collect
Depending on how you interact with us, we may collect:
- Contact details you give us, such as your name, company, email address and phone number.
- Business and verification details needed to open and operate an account, including ownership, identification documents and regulatory information (gathered at onboarding, once services are live).
- Transaction details relating to payments you instruct — amounts, currencies, counterparties and timing.
- Technical information about your visit, such as device type, browser and pages viewed, used to keep the site secure and working properly.
3. How we use it
We use personal information to answer enquiries, to set up and run accounts, to process and monitor payments, and to keep our services secure. A significant part of this supports legal and regulatory duties — confirming identity, screening against sanctions and watchlists, watching for unusual activity and reporting where the law requires it.
4. Our legal grounds
We rely on different grounds depending on the activity: carrying out a contract or taking steps before entering one, meeting our legal and regulatory obligations, our legitimate interest in running and protecting the business, and, where relevant, your consent.
5. When we share information
We do not sell personal information. We share it only where it is needed — with trusted providers who help us verify identity and move payments, with banks and payment networks involved in a transaction, and with regulators, courts or law-enforcement bodies when we are legally required to. Providers act on our instructions and are bound to protect the data they handle.
6. International transfers
Because cross-border payments are global by nature, your information may be processed in countries other than your own. Where that happens, we take steps to keep it protected to a standard consistent with applicable law.
7. How long we keep it
We retain personal information only for as long as needed for the purpose it was collected, together with any period required by financial and anti-money-laundering rules, after which it is securely deleted or anonymised.
8. Keeping your data safe
We apply organisational and technical safeguards designed to protect personal information from loss, misuse and unauthorised access. No system is ever perfectly secure, but we work to limit risk and to respond quickly if a problem arises.
9. Your choices and rights
Subject to local law, you may ask to see the information we hold about you, to correct it, to delete it, or to limit how we use it, and you may object to certain processing. We will respond in line with the rights available to you in your jurisdiction.
10. Cookies
This site uses a small number of cookies and similar tools to function and to understand how visitors use it. You can manage cookies through your browser settings.
11. Changes to this policy
We may update this policy as our services develop or as the law changes. The current version will always be available on this page, along with the date it was last revised.
12. Contact
For any question about this policy or your personal information, please reach us through the details in our Contact section. Dedicated privacy contact channels will be published when ES Money goes live.