PRIVACY POLICY
BWANA MONEY
Introduction
This Privacy Policy explains what can be expect from us and what we expect from you in relation to your personal data. Transfer of funds Bwana Money, located 1676 Rue Matisse, Sherbrooke, J1N1B9 (QC) Canada will act as data controller. Our registration number with the Quebec Business Register is 2275809319. If you have any questions about how we protect or use your data, please email us at privacy@bwanamoney.com.
Money transfer Bwana Money (BM) offers a software platform and services to help businesses and individuals transfer funds to emerging markets. We collect data about our customers and their beneficiaries (the "Data") when they use our platform, our services and our websites (collectively, the "Services"). This privacy policy describes how we collect, use and disclose Data.
In this privacy policy, we sometimes refer to "You". You may mean a Visitor to one of our websites, a customer of one or more of our Services (the Customer) or a payer / beneficiary of a Customer (the Beneficiary). This policy does not apply to third-party websites, third-party products or services, notwithstanding that these are linked to our Services and you should carefully review the privacy practices of such third parties. If you object to the practices described in this policy, you are required to (a) delete cookies from Your computer after leaving our website and (b) stop using our Services.
We may change this Privacy Policy from time to time. We will post all changes, and those changes will take effect when they are posted. The regular use of our Services after the publication of any modification will constitute acceptance of the modifications on your part. We encourage you to review the Privacy Policy each time you interact with us to stay informed of our information practices and ways you can help protect your privacy.
How we manage your data
We receive Data from Visitors to our website and from Customers using our Services. The collection and use of data is essential to provide our Services and to ensure the security of the Services. Data helps us to increase the security of your online payments while reducing the risk of fraud, money laundering and other harmful activities. In sum, the Data can be classified into data that directly identifies you as an individual or through the legal entity with which you are affiliated (Personal Information) and data related to your activities (Information about the activity ").
All of the information you provide to us is stored on our secure servers. All payment transactions will be encrypted using Transport Layer Security protocol technology. You are responsible for the confidentiality of the passwords we provide to you. We ask that you do not share this password with other people and do not use it for other services or products.
Collection of personal information
You will likely be asked to provide Personal Information to us in order to register for or use our Services. This data includes the following elements concerning you and your recipient :
- name,
- adress,
- Date of Birth,
- email address,
- demographic information (e.g. gender),
- phone number,
- proof of your identity (for example, passport information),
- financial information (including credit card, debit card or bank account information),
- reason for payment,
- Geographic location,
- national identification number,
- personal description,
- photo,
- IP adress,
- device identification number, if you use our mobile application,
- for legal persons, we may collect additional information about your company, shareholders, directors, officers and agents in order to facilitate our anti-money laundering compliance program of & nbsp; & nbsp; & nbsp; capital.
We may collect Personal Information about you from other sources. For example, we can :
obtain names for particular telephone numbers from our payment service providers; and verify your identity against third-party databases for anti-money laundering and fraud purposes.
Collection of information on the activity
In addition, we automatically collect Activity Information from your use of our Services. This data may include your activities on our website or actions carried out on our payment platform. We can collect, for example :
- details of the transactions you make while using our Services, including the geographic location from which the transaction was made ;
- technical information, including the Internet Protocol (IP) address used to connect your computer to the Internet, your login details, browser type and version, time zone configuration, types and versions of plug-ins browser, operating system and platform ;
- information about your visit, including the full navigation path of our Website or Application URL (including date and time); page response times, download errors, duration of visits to certain pages, page interaction information and the methods used to navigate the page and any phone number used to call our customer support center.
Our Website also uses cookies to distinguish you from other users of our Website. This helps us to provide you with a good experience when you use our Website and also allows us to improve our Website. By continuing to use our Website, you consent to our use of cookies.
The Personal Information and Activity Information we collect are kept in accordance with our various regulatory obligations in the fight against money laundering and fraud.
Use of data
When you sign up to use an electronic money account to make payments through our Service, you are entering into a contract with us to make those payments on your behalf. We need to process your Data to perform said contract. In addition, we are legally required to collect, process and store your Data, in accordance with our regulatory obligations in the fight against money laundering. We use your Data in the following ways :
+ to fulfill our obligations under the contracts between you and us and to provide you with the information, products and services you request from us ;
to provide, maintain, customize, optimize and improve the Services, including research and analysis regarding the use of the Services, or remember you when you leave and return to the Services ;
+ to provide and improve our products and services ;
provide more relevant content in communications to which you subscribe ;
+ to detect, investigate and prevent activities that may violate our policies or be fraudulent or illegal.
We may combine information from the Services with other information we obtain from our business records or from third party sources.
Data sharing
We may share Data to ensure that we can continue to provide you with the Services you have subscribed to.
BM may share your Personal Information and Activity Information with :
- affiliated companies i.e. entities which are under the common control of BM to provide our Services ;
- BM service providers. We share Data with service providers who help us provide the Services. Service providers assist us in areas such as payment processing (i.e. banks, mobile network operators), website hosting, data analytics, information technology and related infrastructure, customer service, mail delivery and audit tasks ;
- the third parties that you authorize. We share Data with parties directly authorized by a Client to receive the Data, for example when a Client authorizes a third party application provider to access Client's BM account through the third party's system or software. The use of Data by an authorized third party is subject to the third party's privacy policy and to any agreement that the Client has entered into with this third party.
- Authorized Financial Institution (s): we share the Data with the financial institution that holds the account you have designated for sending or receiving the transaction. By requesting payment, you consent to the sharing of Data by BM and between BM and the relevant Financial Institution (s), as necessary for the provision of payment services.
- successors and assigns. We will share Data with third parties in the event of a bankruptcy, merger, sale, joint venture, assignment, transfer or other disposition of all or part of our business, assets or actions (including in the event of bankruptcy or legal proceedings. similar); and
- for security, legal and law enforcement purposes. We use and disclose Data when we deem it necessary: (i) under applicable laws or rules relating to payment methods; (ii) to enforce our terms and conditions; (iii) to protect our rights, privacy, safety or property, and / or those of our affiliates, you or others; and (iv) to respond to requests from courts, law enforcement agencies, regulatory authorities and other public and governmental authorities, which may include authorities located outside your country of residence.
BM can only share Activity Information (and not Personal Information) with : advertisers and ad networks only to select and deliver ads that are relevant to you and others; and analytics and search engine providers who help us improve and optimize our site.
How we protect your data
All of the information you provide to us is stored on our secure servers. All payment transactions will be encrypted using Transport Layer Security protocol technology. We take reasonable steps to help protect your information from loss, theft, misuse and unauthorized access, disclosure, modification and destruction. If you believe that your interaction with us is no longer secure (for example, if you believe your account has been compromised), please contact us immediately.
Your rights
Customers from Canada. If you are a resident of Canada, the following information applies to your Personal Information that we have processed or collected.
Purposes of processing and legal basis for processing: as previously explained, we process Personal Information in different ways, depending on your use of our Services. & Nbsp; We process Personal Information on the following legal grounds: (1) with your consent; (2) if this is necessary to perform our contract for the provision of services; and (3) if this is necessary for our legitimate interests in providing the Services when those interests do not infringe your fundamental rights and freedoms in terms of data privacy.
Right to lodge a complaint: users residing in Canada have the right to lodge a complaint relating to our data collection and our processing actions with the relevant supervisory authority. The contact details of the data protection authorities are available here.
Personal Information we collect may be transferred, stored, and processed in Canada or any other country in which we or our affiliates, contractors, or partner payment processing companies operate units. The laws of Canada and other countries regarding Personal Information may differ from the laws of your state or country. & Nbsp; Said transfers will comply with the guarantees required by applicable law. It may also be processed by employees operating outside of Canada who work for us or for one of our payment processing companies. These employees may, among other things, be involved in the execution of your payment order, the processing of your payment information and the provision of support services. By communicating your personal data, you agree to this transfer, storage or processing.
You can contact us at privacy@bwanamoney.com to request the exercise of these rights. We will do our best to respond quickly and in any event within 30 days of your request. We may take steps to verify your identity before processing a request.
Our partners
Our Services may, from time to time, contain links that direct you to the websites of our partner, advertiser and affiliate networks. & Nbsp; If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we are not responsible for them. & Nbsp; Please review these policies before submitting personal data to these websites.
Changes to this Policy
TAny changes we make to our Privacy Policy will be posted on this page and, if applicable, you will be notified by email or through your BM account. Please check them frequently to be aware of any updates or changes to our privacy policy.
Cookies Policy
Cookies are strings of text and numbers containing small amounts of information downloaded by your computer or mobile device when you visit a website. BM uses cookies to store information about your preferences and your profile. Especially for :
1. identify you when you log into our website ;
2. keep your preferences for your country and language ;
3. keep the main mandatory parameters to complete a transaction ;
4. find out if you have visited certain pages of our website.
If you have configured your browser to allow cookies, it means that you accept the use of our cookies in accordance with this policy. To choose the sites from which you accept cookies, modify your browser settings. You can also delete cookies already saved by your browser. For more information on how to do this, see the Help menu in your browser. In addition, our web pages may contain similar technologies that make it possible to recognize the pages you have visited. This helps us to analyze how our site is used and to improve the user experience. In order to measure the effectiveness of our customer communications, we can also integrate this technology into our emails to find out which links and addresses are opened by recipients.
Internet advertising
We display banners on other websites through advertising networks. If your browser is configured to allow third-party cookies, interest-based advertising may appear when you visit other websites. Targeted advertisements on other websites may be determined by your past interactions with our website. They allow ad networks to display the most relevant ads based on your interests. We do not provide any personally identifying information to advertisers or third party sites that display our interest-based advertising.
Contact us
If you have any questions regarding this Privacy Policy, please contact us by email at privacy@bwanamoney.com. If you feel that we have not answered your questions or concerns correctly, you can file a complaint with the Bureau de la protection du consommateur.