| FACTS | WHAT DOES PRONTO MONEY TRANSFER INC. DBA USEND DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
We will collect the following information about you, which may include non-public personal information: 1. Personal and financial Information, including: Name, address, date of birth, phone number and email address; Social Security 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. We may require additional information from you we can use to verify your identity, address or other information to manage risk. 2. Third-party account credentials (such as Facebook or Bank login); These services will authenticate your identity and provide you the option to share certain personal information with us 3. Third party personal information you provide in order to use our service: Recipient's full name, address phone number, CPF number or any other information required to complete your transaction. 4. Commercial information about your business, such as Legal name, DBA, address, EIN or any other information required to complete your transaction. 5. Information about your usage of our service: transaction information such as transaction history, recipients' names, amount sent, payment methods, device information, IP and Geolocation. 6. Information about you from third-party sources such as identity verification services, data providers, and credit bureaus, where permitted by law. 7. We may use third-party Service Providers to monitor, analyze, improve and protect the use of our service: Google Analytics: web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. 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. 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/. Dwolla: We use Dwolla, Inc. to originate credit transfers to your financial institution account. You authorize us to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. Dwolla's Privacy Policy is available here. Plaid Technologies, Inc. ("Plaid"): We use Plaid to gather your data from financial institutions. By using the Services, you grant us and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy located at https://plaid.com/legal/. Collection from the Usend App: 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 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://try.crashlytics.com/terms/privacy-policy.pdf 8. We use cookies for site functionality, remembering user's settings (e.g. source & destination country), and for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies some features or areas of our site will be limited. |
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information. The reasons Pronto Money Transfer Inc. dba USEND chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does Share? | Can you limit this sharing? |
| For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes – to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | Yes | No |
| For our affiliates’ everyday business purposes – information about your transactions, experiences and creditworthiness | Yes | No |
| For non-affiliates to market to you | No | We do not share |
| 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 |
| Who we are | |
| Who is providing this notice? | Pronto Money Transfer Inc. dba USEND |
| What we do | |
| How does USEND protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also attempt to limit personal information access to only employees, agents and representatives who need to know. Despite our best efforts, third parties may attempt to unlawfully intercept or access your transmissions to us or may persuade you to disclose information to them by posing as USEND or by misinforming you about our services. Always use caution and good judgment when sending money and when using Internet and mobile technologies. |
| How does USEND collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from a variety of sources, including without limitation, computer systems; third party sources such as our business clients, government agencies and other suppliers of information; and consumer reporting agencies – all in compliance with and subject to the limitation of applicable law. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions | |
| Affiliates | Companies related by common ownership or control. |
| Non-affiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies. |
| Joint Marketing | A formal agreement between non-affiliated financial companies that together market financial products to you. |
| OTHER IMPORTANT INFORMATION | ||||||||||||||||||||
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STATE PRIVACY LAWS We will comply with state privacy laws to the extent they apply to Pronto Money Transfer Inc. dba USEND services. California residents: In accordance with California law, we will not share information we collect about you with companies outside of Pronto Money Transfer Inc. dba USEND except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled. USEND CALIFORNIA PRIVACY POLICY ADDENDUM This USEND California Privacy Policy sets forth the Pronto Money Transfer Inc. privacy policy applicable with respect to consumers residing in California. "You" and "yours" means you the customer, residing in California, who has registered for or is otherwise using our money transfer services, USEND E-Wallet services, or any other services provided by Pronto Money Transfer Inc. (collectively the "Services"). "We," "us," and "our" means Pronto Money Transfer Inc. (d/b/a "USEND" and "Pontual") and our successors, assignees or affiliates. Pronto Money Transfer Inc. is referred to in this Addendum as "USEND". It is the policy of USEND to collect, use, store and protect customer information in accordance with applicable law. You may review our general Privacy Policy here. The following Addendum is applicable our customers who are residents of California. For California residents it is our policy to collect, use, store, provide access to and protect customer information in accordance with the California Consumer Privacy Act of 2018 ("CCPA"). In providing services, including remittance services and/or E-Wallet Services (collectively "Services") we will collect personal information ("Personal Information") including: (a) information such as your name, address, tax identification number, identification number and email address that you provide when you register for service, (b) information about transactions made by you, such as date, amount, and beneficiary and/or payee information, (c) electronic information concerning your use and access to our website, mobile applications and social media, and (d) biometric information that you provide or we collect when you register for service, including digital images of you ("selfie"), or other biometric identifiers such as fingerprint, retina scan, voiceprint or similar biologically based identifying information. For example, we may collect Personal Information from forms you complete, through customer support interactions when you provide the information to us, when you complete online forms or register for our loyalty and reward programs. We may also collect Personal Information indirectly from you, such as when you visit our website through cookies or similar technologies. We may also collect Personal Information from service providers, vendors and other third parties; public record sources (federal, state or local government sources); information from our website, mobile application activities and social media networks; and information from our partners or agents about individuals associated with them (e.g., an employee or owner). Over the preceding twelve (12) months, USEND may have collected the following categories of Personal Information from the various sources set forth below. As noted, this Personal Information may have been shared with the types of Third Parties and for the listed Business and/or Commercial Purposes as set forth below.
OUR SALE AND USE OF PERSONAL INFORMATION USEND respects your privacy. We do not sell or provide access to your personal information to any third parties in exchange for money or other compensation. USEND does, however, participate in advertising and marketing programs and other programs to analyze market trends, whereby we and third parties with whom we contract may review Personal Information and derive some form of value, which exchanges of Personal Information may constitute a "sale" under applicable law. As set forth, our customers have the right to opt-out of having their Personal Information used for such purposes. CALIFORNIA CONSUMER RIGHTS In accordance with the CCPA, consumers residing in California have the right to request that their Personal Information not be sold to third parties, and that the provider otherwise disclose how their Personal Information has been used. Additionally California consumers may request that any of their Personal Information held by the provider be deleted. This section describes your rights under the CCPA and explains how you may exercise those rights. Right to Access Specific Information and Data Portability Rights As a California consumer you have the right to request that we disclose to you information to you about how we have collected and used your Personal Information over the past twelve (12) months. You may make such a request up to 2 times during any single twelve (12) month period. Upon our receipt and verification of your written request, we will disclose to you the following information: - All categories of Personal Information we collected on you. - All categories of sources for the Personal Information we collected on you. - Our business or commercial purpose for collecting your Personal Information. - All categories of third parties with whom we share your Personal Information. - The specific items of Personal Information we collected about you. Deletion Request Rights As a California consumer you also have the right to request that USEND delete all of your Personal Information that we collected from you and retained, subject to certain exceptions and regulatory record keeping requirements. Upon our receipt and verification of your written request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies. For example, we will be unable to adhere your request where we are required to maintain the Personal Information in order comply with a legal or regulatory requirement, such as maintenance of certain information pertaining to cross-border money transfer activity. You may make such a request up to 2 times during any single twelve (12) month period. Making A Request If you are a California resident, you may exercise your rights under this section by submitting consumer request to us by either: Emailing us at: help@usend.com Changes to This Notice We hereby reserve the right to amend this Notice at any time. In the event of any changes to this Notice, USEND will post the amended Notice and effective date thereof on our website. Your continued use of our website and Services following the posting of changes constitutes your acceptance of such changes. Nevada residents: This notice is provided to you pursuant to state law. Nevada state privacy laws permit us to make marketing calls to existing customers, but if you prefer not to receive marketing calls, you may be placed on our internal opt-out list by calling us at 1-800-926-9400 FREE or you may also contact the Nevada Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Ste 3900, Las Vegas, NV 89101; telephone 702-486-3132; email: BCPINFO@ag.state.nv.us. Vermont Residents: In accordance with the state of Vermont we will not disclose non-public personal financial information only with your written authorization, unless otherwise permitted by law. Written authorizations may be delivered to us by email at doc@pontualmt.com or mail to 111 N. Sepulveda Blvd., Suite 340, Manhattan Beach, CA 90266. Your consent or consent revocation must include your name, address and your signature. Any questions please contact us at 1-888-305-7264. You authorize your wireless operator (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to disclose to Pronto Money Transfer Inc., DBA Pontual Money Transfer, DBA 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, solely to verify your identity and prevent fraud for the duration of the business relationship. See our Privacy Policy for how we treat your data. USEND BIOMETRIC DISCLOSURE AND AUTHORIZATION This Usend Biometric Disclosure and Authorization ("Disclosure") sets forth the Pronto Money Transfer Inc. policy applicable with respect to our customers. "You" and "yours" means you the customer who has registered for or is otherwise using our USEND money transfer services, USEND E-Wallet services, or any other services provided by Pronto Money Transfer Inc. (collectively the "Services"). "We," "us," and "our" means Pronto Money Transfer Inc. (d/b/a "USEND" and "Pontual") and our successors, assignees or affiliates. Pronto Money Transfer Inc. is referred to in this Disclosure as "USEND". "Biometric Information" means biometric information that you provide and we collect when you register for or use the Services, including digital images of you ("selfie"), or other biometric identifiers such as fingerprint, retina scan, voiceprint or similar biologically based identifying information. It is the policy of USEND to collect, use, store and protect customer Biometric Information in accordance with applicable law. You may review our general Privacy Policy here. California residents should refer to our California Privacy Policy here. Please be advised that your Biometric Information, specifically a digital image of your face ("selfie") will be collected, captured, received, stored, and used in connection with your registration with USEND for the Services and our verification of your identity. USEND may also collect, capture, receive, store and use other biometric identifiers that you provide and authorize us to collect, use and store. Such collection, capture, receipt, storage, and use of your biometric information may occur at the time of your initial registration for the Services, or any time thereafter that you provide such information, as the case may be, where permitted by law. Your biometric information is being collected, captured, received, stored, disclosed to USEND, and used in order to verify your identity in connection with the use of the Services in accordance with applicable federal and state law. To accomplish these purposes, USEND may disclose your biometric information to a secure third-party provider that we have contracted with to conduct such identify verification services (e.g., AU10TIX.com) and as otherwise permitted by law. Your biometric information will be retained, stored and protected by USEND in accordance with our customer privacy policies (see links above) and as required by applicable laws and regulations. With respect to the destruction of your biometric information, we utilize best practices when purging electronic Biometric Information. We do not retain hard or paper copies of Biometric Information. The proper destruction method depends on the type of media and the intended disposition of the media. The process is to render potential access to target data on the media infeasible in the event of a recovery attempt. Electronic media may be purged of biometric information using steps such as: clearing/wiping, data purging, and physical media destruction. We ensure that destruction of all physical and electronic media is witnessed or carried out by authorized personnel. If you should have any questions concerning this Disclosure and your rights, please contact us by: Emailing us at: help@usend.com Changes to This Disclosure We hereby reserve the right to amend this Disclosure at any time. In the event of any changes to this Disclosure, USEND will post the amended Disclosure and effective date thereof on our website. Your continued use of our website and Services following the posting of changes constitutes your acceptance of such changes. |
| 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:
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:
This policy also applies to information:
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:
How We Collect Information About You We use different methods to collect your information, including through:
Information You Provide to Us The information we collect directly from you on or through the Website may include:
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:
Disclosure of Your Information We may disclose personal information that we collect or you provide as described as described in this privacy policy:
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:
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| What we do | |
How does Usend |
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 |
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. |
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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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