Privacy policy - CANADA

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

How does Usend
protect my personal information?

Retention of Data by Usend

Accessing and Correcting Your Personal
Information

Withdrawing Your Consent

Use of Services by Minors