Effective Date: February 1, 2014
QicSEND (“QicSEND”, “we”, “us” and “our”) is a regulated Canadian Money Service Business operating under the rules set out by the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”), including FINTRAC Know Your Customer and Anti-Money Laundering regulations. We must also comply with local regulations in Recipient Countries where Receivers are paid out funds from Money Transfers. To meet FINTRAC and other government regulations in various jurisdictions, and to control potential fraudulent or criminal use of our Web sites and Service, we are required to collect, verify and, in selected cases, disclose certain personal information, where “personal information” is information about an identifiable individual, as more particularly defined or limited under applicable Canadian privacy legislation or that of other jurisdictions.
We follow standard industry practices, protocols and procedures to protect your personal information against unauthorized disclosure, use or tampering, as well as against loss or theft. We are not responsible for the communications method, network providers or carriers that you use to communicate with our Web sites (including mobile applications), and you should be aware that any Internet or mobile communications are at risk of being illegally intercepted by third parties, so we cannot guarantee or warrant that information you send us electronically is fully secure.
Personal information you provide us will be kept for a defined time period depending on regulatory, tax and audit directives, and will then be removed unless you make further use of the Service prior to the expiry date, in which case your information will be retained for a further defined time period.
In the course of providing Money Transfer (remittance) and payment services and related products and services we collect personal information about you from various sources described below as follows:
We only use your personal information as required to provide our Money Transfer, payment and related services and products, or as required by government regulations, and generally for the following purposes:
The electronic information we collect can include:
We use the password and login name and other information provided when you register on our Web sites and/or create an account to identify you, so that we can allow authorized access to your account and generally maintain the security of our Web sites.
We may use Internet technologies such as cookies to support personalization of your use of our Web sites and to assist us in collecting electronic and other operational information. These technologies are never used to collect personal information.
In the normal course of business third-party Web sites may be linked to or from our QicSEND Web sites. Since we are not responsible for the content or privacy practices of third-party Web sites that are linked to or from our QicSEND Web sites we strongly recommend that you first review the privacy policies of any such third-party Web sites.
No one under the age of 18 is permitted to register or create an account on our Web sites, so we never knowingly collect or store personal information from any person under the age of 18.
You have the right to withdraw your consent to our collection, disclosure and use of your personal information at any time, subject to regulatory and legal requirements and adhering to any specified notice periods. But note that if you withdraw your consent to our using your personal information we may not be able to provide the Service or functions of the Service that require access to personal information.
You should also be aware that even if you withdraw your consent in general we may still be required or permitted to use or disclose your personal information for the purposes of: completing Money Transfers or other transactions then in process; complying with Canadian laws and those of other countries; for tax reporting, regulatory and audit purposes; to comply with any court order; or to collect any debt you owe us.
We may use or disclose selected and limited personal information, including that covering your use of our Service, to support marketing and promotional programs which may interest you. These programs and associated offers may be offered by us or by our affiliates, or by banks and other financial services companies and by retail, travel, telecommunications and other non- financial companies.
At www.qicsend.com click on the Contact Us link to send us a secure email.
QicSEND Privacy Office
360 Bay Street, Suite 901
Toronto, ON M5H 2V6