Effective Date: July 1, 2014
This Privacy Statement describes how UniverseRemit Inc. ("universeremit.com", "we", "us" and "our") collects, uses and discloses your personal information. "Personal information" is information about an identifiable individual, as more particularly defined or limited under applicable Canadian privacy legislation. This Privacy Statement applies to our collection, use and disclosure of personal information about our consumer and business customers and other individuals we deal with in Canada ("you" and "your"). This Privacy Statement does not apply to information about our employees or to information that is not personal information.
INFORMATION WE COLLECT
"universeremit.com" collects personal information about you from a variety of sources in the course of providing money transfer and payment services and related products and services we provide. Personal information we collect and the sources of such personal information include the following:
HOW WE USE PERSONAL INFORMATION
"universeremit.com" generally uses personal information in the course of its money transfer, payment and related services and products for the following purposes:
INFORMATION WE DISCLOSE
OFFERS, PROMOTIONS AND OPTING OUT
"universeremit.com" may use your contact details and information about your use of our services (e.g. frequency, value of money transfer, or destination country) for marketing and solicitation purposes to send you offers, promotions or information about additional products and services of "universeremit.com" and our affiliates that may be of interest to you. In addition, "universeremit.com" may disclose your contact details to third parties to permit those organizations to offer and provide information about their products and services that may interest you. These third parties may include, as examples:
You may "opt out" or withdraw consent to the use and/or disclosure of your personal information for the purposes described in this section at any time by checking the appropriate box on an online or offline form, if available, or by calling 613-712-2551 or otherwise by contacting us as described in "Contact Us" below. If you do not "opt out" or withdraw your consent as described above, we will assume that you consent to our use and disclosure of your personal information for marketing and solicitation purposes as described in this section.
Some of "universeremit.com" services (for example money transfers) are made available using online forms at our Web site, www.universeremit.com. Personal information you provide on online forms or by other electronic means will be collected used and disclosed as described generally in this Privacy Statement.
In addition, when visit or use our Web sites, we collect information about the domain and host from which you access the Internet; your computer's Internet address; the browser and operating system software you use; the date and time you access our Web site and the Internet address of the site from which you linked to our Web site when you visit us. We use this information to diagnose, administer and optimize our Web sites and web-related services.
When registering or creating an account at our Web sites, we collect your password and login name and other information we may request in order to identify you, maintain security of our Web site and verify and control access to your account or online profile. If you make inquiries through the e-mail links, forms or other contact methods provided on our Web sites, these inquiries are forwarded to the relevant office or department, and are used to respond to your inquiry and maintain a record of correspondence.
We use Internet technologies like cookies and web beacons to facilitate the services we provide on our Web sites and your use of our Web sites, including:
A "cookie" is a text file placed on your computer's hard drive by a web server, which allows for personalization of certain aspects of your visit to that Web site. "Web beacons" are transparent electronic images placed in the web code that collect non-personal data while visiting a web site. Cookies and web beacons can usually be disabled by changing your browser preferences. Your browser usually has documentation on how to disable cookies and web beacons. Note that disabling cookies may limit the performance of "universeremit.com" Web site(s). If cookies are disabled, certain features of our Web sites may not function properly, and you may not be able to register or use your online account.
Children's Privacy. Our Web sites are not directed at children under the age of 13. "universeremit.com" does not knowingly collect or maintain personal information at our Web site from those we actually know are under the age of 13.
External Web sites. Our Web sites may be linked to or from third party Web sites. These links are provided as a convenience only, and "universeremit.com" is not responsible for the content or privacy practices of Web sites that are linked to or from our Web site. You are advised to review the privacy policies of any third party Web sites you visit.
Generally, by providing us with personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes described in this Privacy Statement, if applicable, or otherwise at the time of collection of your personal information.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally, electronically or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested). You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an "opt out" option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney).
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfil the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records, disclosures to Canadian and foreign government entities as required to comply with laws, and reporting on credit information after credit has been granted, if applicable).
We may also be required or permitted under statute or regulation to collect, use or disclose personal information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.
CONFIDENTIALITY AND SECURITY
We endeavor to maintain physical, electronic and procedural safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Authorized employees, agents, representatives and mandataries that require access to your personal information in order to fulfill their job requirements will have access to your personal information.
No data transmission over the Internet or the telephone can be guaranteed to be perfectly secure, and any personal information you submit to us or access electronically or over the telephone is done at your own risk, and "universeremit.com" does not guarantee or warrant the security of information transmitted in these manners. You should be aware that third parties may unlawfully intercept your transmissions or may wrongly instruct you to disclose personal information to them while posing as "universeremit.com" and you should exercise caution when providing personal information to any person.
"universeremit.com" record retention policies dictate that we maintain information about you, including your opt-out choices, for a fixed time period. If you do not perform another transaction during the fixed time period, your Information, as well as your opt-out choice will be removed. If you perform another transaction or otherwise provide us with personal information thereafter, you will be afforded another opportunity to opt-out.
ACCESS AND CORRECTION
"universeremit.com" may establish and maintain a file of your personal information for the purposes described in this Privacy Statement, which will be accessible at the office in the Contact Us section below. If you wish to request access or correction of your personal information in our custody or control, you may write to the mailing address provided below, attention Chief Privacy Officer. Your right to access or correct your personal information is subject to applicable legal restrictions. To protect your privacy and security, we may require additional information to verify your identity when requesting access or correction.
"universeremit.com" reserves the right to modify this Privacy Statement from time to time. You can get updated Privacy Statements by calling us at the telephone number listed above or by visiting our Web site at www.universeremit.com. We urge you to review this Privacy Statement frequently to obtain the current version. Your continued provision of personal information or use of our services following any changes to this Privacy Statement constitutes your acceptance of any such changes.
20 Pinson Private
Ottawa, ON K1V 0E6