USA    CANADA

Privacy policy - CANADA





FACTS

WHAT DOES USEND FINANCIAL SERVICES ULC DO WITH YOUR PERSONAL INFORMATION?

Why?

Usend Financial Services ULC (“USEND”, “we” or “us”) and our affiliates respect your privacy and are committed to protecting it by complying with this policy. This policy describes:

  1. • The types of information we may collect from our customers (“you”) or that you may provide when you visit the website (the “Website”), download, access or use the USEND desktop or mobile application (the “App”) or access or use any of the services which USEND offers through the Website or the App.
  2. • How we collect, use, disclose, and protect your personal information.
  3. • Our practices for collecting, using, maintaining, protecting, and disclosing that information.

We will only use your personal information in accordance with this policy unless otherwise required by applicable law.

Privacy laws in Canada generally define "personal information" as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person. Personal information does not include business contact information, including your name, title, or business contact information.

This policy applies to information we collect, use, or disclose about you:
  1. • On the Website or the App.
  2. • In email, text, and other electronic messages between you and us.
  3. • Through mobile and desktop applications you download from the Website, which provide dedicated non-browser-based interaction between you and the Website, including the App.
  4. • When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.

This policy also applies to information:
  1. • We collect offline or through any other means, including on any other USEND or third-party website (including our affiliates and subsidiaries).
  2. • You provide to or is collected by any third party (including our affiliates and subsidiaries), through any application or content (including advertising) that may link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices for collecting, using and disclosing your information. If you do not agree with our policies and practices, your choice is not to use the Website or the App or the services we offer. By accessing or using the Website or the App or our services, you indicate that you understand, accept, and consent to the practices described in this policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website or the App , after we make changes indicates that you accept and consent to those changes, so please check the policy periodically for updates.

   
What? Information We Collect About You

We collect and use the following information about you, which may include non-public personal information:

  1. 1. Personal and financial information, including: name, mailing address, date of birth, telephone number and email address; social insurance number, Driver’s License number, passport number or other government identification number; bank account and routing numbers, bank statements, credit card number, expiration date, CVV and billing address; and any other identifier we may use to contact you (“personal information”). We may require additional information from you we can use to verify your identity, address or other information to manage risk, such as copies of your government issued identification.
  2. 2. Personal information you provide about third parties in order to use our service, including: Recipient's full name, address phone number, CPF number or any other information required to complete your transaction.
  3. 3. Commercial information about your business, such as legal name, DBA or trade name, mailing address, business number, or any other information required to complete your transaction.
  4. 4. Information about your usage of our service: transaction information such as transaction history, recipients’ names, amount sent, payment methods, device information, Internet protocol (IP) address and geolocation data.
  5. 5. Non-personal information that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific feature of the Website or the App.
  6. 6. Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access the Website or the App, and usage details.
  7. 7. Non-personal details about your interactions, with the Website and our services including the full Uniform Resource Locators (URLs), clickstream to, through and from the Website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.

How We Collect Information About You

We use different methods to collect your information, including through:

  1. • Direct interactions with you when you provide it to us, for example, by filling in forms on the Website or when registering to use the App or our referral, loyalty or reward programs. We may also ask you for information when you report a problem with the services we offer through the Website and the App.
  2. • Automated technologies or interactions, as you navigate through the Website or use the App. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
  3. • Third party sources such as identity verification services, data providers, public records sources (including federal, provincial or local government sources), vendors, social media networks, credit bureaus, your wireless operator, and information from our partners or agents about individuals associated with them (e.g., an employee or owner), each where permitted by law.

Information You Provide to Us

The information we collect directly from you on or through the Website may include:
  1. • Information that you provide by filling in forms on the Website. This includes information you provide at the time of registering to use services offered through the Website. We may also ask you for information when you report a problem with the Website or the services we offer through the Website.
  2. • Information that you provide to use when you download, register with, or use the App, including information that you provide by filling in forms. We may also ask you for information when you report a problem with the App or the services we offer through the App.
  3. • Records and copies of your correspondence (including email addresses), if you contact us or through our customer support interactions with you.
  4. • Details of transactions you carry out through the Website or the App. You may be required to provide financial information before using the services offered through the Website or the App.
  5. If you submit personal information relating to other people, including a recipient of money that you send through our services, you warrant that you have obtained the necessary consents from such individual and have the authority to disclose his or her personal information to us, as well as his or her consent to our collection, use and disclosure of such personal information, for the purposes described in this privacy policy.

Information We Collect Through Cookies and Other Automatic Data Collection Technologies

A cookie is a small file placed on the hard drive of your computer or smartphone. We and our third party partners may set and use cookies for site functionality, remembering user's settings (e.g. source and destination country), and for authentication. As described below, we use Google Analytics and other third party analytics providers to help measure how users interact with our Website and App. These cookies “remember” what our users have done on previous pages and how they’ve interacted with our Website and App. You may control the use of cookies by activating that appropriate setting on your browser or your smartphone. However, if you reject cookies some features or areas of the Website and the App will be limited.

Information We Collect from Third Parties

We may use third-party Service Providers to monitor, analyze, improve and protect the use of services offered through the Website and App, including:

Google Analytics: This is a web analytics service offered by Google that tracks and reports website traffic. Google Analytics collects information such as how often users visit our Website, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google uses the data collected to track and monitor the use of the services we offer through the Website and the App. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit: https://policies.google.com/technologies/partner-sites

Fullstory: FullStory is provided by FullStory, Inc. We use FullStory to track and monitor the use of the services we offer through the Website and the App. You can prevent FullStory from using your information for analytics purposes by opting out at www.fullstory.com/optout/. For more information on what type of information FullStory collects, please visit the FullStory Terms & Conditions page at www.fullstory.com/legal/terms-and-conditions/.

Facebook Pixel: Facebook remarketing service is provided by Facebook Inc. Facebook may use cookies, web beacons, and other storage technologies to collect or receive information from the Websites and elsewhere on the Internet and use that information to provide measurement services and target ads. You can opt-out of the collection and use of information for ad targeting by visiting http://www.aboutads.info/choices. To read Facebook’s privacy policy, click this link: https://www.facebook.com/policy.php

UXCam: We may use UXCam, which is an analytics solution. UXCam may record: Screens visited, Interaction patterns (such as screen actions, gestures: taps, scrolls) and Device details (Type, Version, Model, Operating System). We are using the information collected by UXCam to improve our app. UXCam does not collect personally identifiable information and does not track your browsing habits across apps. For more information see Privacy Policy for Information Collected by the UXCam Service.

Crashlytics: We may use Crashlytics. It may automatically collect certain information that does not personally identify users who access or use the App. This information includes, but is not limited to, device state information, unique device identifiers, device hardware and OS information, information relating to how an application functions, and the physical location of a device at the time of a crash. Crashlytics is owned and operated by Google Inc. The information may be shared with third party service providers, including, but not limited to, Crashlytics. Crashlytics may use aggregate and anonymous information to improve Crashlytics, create analysis of trends or behaviors, and other similar uses. To read Crashlytics’ privacy policy, click this link: https://firebase.google.com/terms/crashlytics/20170127

AppsFlyer: We may use AppsFlyer. It may automatically collect and process the following information for attribution and analysis purposes: (i) technical information, such as your device type and model, CPU, system language, memory OS version, Wi-Fi status, system language, time stamp and zone, device motion parameters and carrier; (ii) technical identifiers at generally only identify a computer, device, browser or mobile application, such as IP address (which may also provide general location information), user agent, IDFA (identifier for advertisers), Android ID (in Android devices); Google Advertiser ID, Customer issued user ID and other similar unique identifiers; and (iii) engagement information, which refers to information relating to our ad campaigns and your actions, such as: clicks on our ads, ad impressions viewed, audience or segments to which an ad campaign is attributed, the type of ads and the webpage or mobile application from which such ads were displayed, the webpages on our website visited by you, the URL from the referring website, downloads and installations of mobile applications, and other interactions, events and actions we choose to measure and analyze within the App or Website. To read the AppsFlyer privacy policy, click this link: https://www.appsflyer.com/services-privacy-policy/. You can opt-out of being measured by Appflyer’s services by emailing a request to privacy@appsflyer.com or by completing the form here to https://www.appsflyer.com/optout. You may also send any question regarding your exercise of data subject rights to privacy@appsflyer.com.

We may collect information about you from third party sources, such as identity verification services, data providers, credit bureaus, government agencies, public records sources (including federal, provincial or local government sources), social media networks, our business clients and consumer reporting agencies, each where permitted by law.

You authorize your wireless operator (Rogers, Telus, Bell, or any other branded wireless operator) to disclose to Usend and its third-party service providers your mobile number, name, address, email, network status, customer type, customer role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if available, for the purposes of verifying your identity and preventing fraud.
   
How?

We use information that we collect about you and that you provide to us, including any personal information:

  1. • To present the Website and its contents to you.
  2. • To provide you with the App and its contents.
  3. • To perform the services we offer through the Website and the App.
  4. • To verify your identity in order to comply with our anti-money laundering and terrorist financing obligations.
  5. • To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it.
  6. • To provide you with notices about your account.
  7. • To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements.
  8. • To notify you about changes to our Website or any products or services we offer or provide though it.
  9. • To notify you when App updates are available, and of changes to any services we offer or provide through it.
  10. • To provide customer service.
  11. • For marketing purposes.
  12. • To audit transactions carried out through the services we offer.
  13. • To improve the Website, the App, services, marketing, or customer relationships and experiences.
  14. • To reduce the risk of fraud, including through the use of geolocation information we collect.

Disclosure of Your Information

We may disclose personal information that we collect or you provide as described as described in this privacy policy:
  1. • To our subsidiaries and affiliates.
  2. • In accordance with applicable law, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the assets of Usend, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Usend about our customers and users is among the assets transferred.
  3. • To contractors, service providers, and other third parties we use to support our business. These third parties may, for example, verify your identity, assist in processing transactions, or provide you with customer support.
  4. • To fulfill the purpose for which you provide it. For example, if you give us an email address to use the "refer a friend" feature, we will transmit the contents of that email and your email address to the recipients.
  5. • For any other purpose we disclose when you provide the information.
  6. • With your consent.
  7. • To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
  8. • To enforce or apply our User Agreement and other agreements.
  9. • If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Usend, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Transfer of Your Personal Information

We may transfer personal information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website and App improvement and optimization).

We may process, store, and transfer your personal information in and to other countries with different privacy laws that may or may not be as comprehensive as Canadian law, including the United States. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information.

By submitting your personal information or engaging with the Website or the App, you consent to this transfer, storage, or processing.

Choices About How We Use and Disclose Your Information

You have the following control over the personal information you provide to us:

  1. • Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this Website or the App may not be accessible or may not function properly. For more information about tracking technologies, see Information We Collect Through Cookies and Other Automatic Data Collection Technologies.
  2. • Location Information. You can choose whether to allow the App to collect and use real-time information about your device’s location through the device’s settings.
  3. • Promotional Offers from Usend. If you have opted in to receive certain emails from us but no longer wish to have your email address used by us to promote our own or third parties' products or services, you can opt-out by sending us an email stating your request to help@usend.com. If we have sent you a promotional email, you may unsubscribe by clicking the unsubscribe link we have included in the email.



What we do

How does Usend
protect my personal information?

To protect your personal information from unauthorized access and use, we use physical, electronic and administrative measures. These measures include computer safeguards and secured files and buildings. We also strive to limit personal information access to only employees, agents and representatives who need to know. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted through our Website or through the App. Any such transmission is at your own risk. You are responsible for keeping your password confidential and we ask that you do not share it with anyone. Always use caution and good judgment when sending money and when using Internet and mobile technologies.

Retention of Data by Usend

Except as otherwise permitted or required by applicable law, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Once your personal information is no longer needed for the purposes we collected it for, it will be deleted or anonymized in accordance with our policies and procedures.

Accessing and Correcting Your Personal
Information

We will make reasonable arrangements to ensure that the personal information we collect, use or disclose is accurate and complete. Please keep us informed if the personal information we have collected from you changes. You have the right to review, correct and obtain a copy of your personal information that is under our control. If you wish to do so, please contact us at 1-888-305-7264 or help@usend.com.

Withdrawing Your Consent

Where you have provided your consent to the collection, use, disclosure, or transfer of your information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, please contact us at 1-888-305-7264 or help@usend.com. If you withdraw your consent we may not be able to provide you with our services.

Use of Services by Minors

The services provided through our Website and App are not directed to individuals under the age of 18 and we request that individuals under 18 do not provide personal information through the services. We do not knowingly collect personal information from individuals under the age of 18.


Changes to Our Privacy Policy
We may update our Privacy Policy from time to time. In the event of any changes to this Privacy Policy, we will post the amended Privacy Policy and effective date thereof on our website. Your continued use of the Website, the App or our services following the posting of changes constitutes your acceptance of such changes.


Questions? 1. Call 1-888-305-7264 – our menu will prompt you through your choice(s) or
2. Visit us online: www.usend.com and click on the Contact Us link









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