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PRIVACY POLICY


Privacy Statement:



Your (the “User” or “Users”) use of www.wsfremit.com (the “Website”) is subject to the following Privacy Policy of Wall Street Finance (Canada) Ltd. (“WSFCL”):

General

WSFCL recognizes its responsibility to protect the personal information provided by the User. WSFCL defines “personal information" as information that can be uniquely identified with the User or the beneficiary, including, but not limited to, full name, addresses, e-mail addresses, phone number, payment information for billing purposes, and comments or inquires made about Products and Services.
WSFCL has developed a Privacy Policy that provides direction and guidance to its staff on how to best protect the personal information of the User and his/her associated parties. Please be sure to read the Privacy Policy in full prior to viewing other Content on the Website and/or submitting information to the Website. If the User requires additional information, he/she may contact WSFCL’s Customer Service department, the information of which is provided in the Contact Us section of the Website or by calling the Toll-Free Line.
By using the Website, the User agrees with the Privacy Policy. By submitting information and data via the Website, the User acknowledges and consents to the collection, use, and disclosure of that information in accordance with the Privacy Policy.

Consent

The User’s knowledge and consent are required for the collection, use or disclosure of personal information. The User’s knowledge and consent will not be required in certain circumstances, including, but limited to, disclosure of information to Canada’s regulatory body for financial transactions, the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”). Hence the User is requested to read the Privacy Policy in full prior to viewing other Content on the Website and/or submitting any information to WSFCL.

The Use of Information

WSFCL collects and uses information (i) to provide, maintain and improve the Website, its Content or Products and Services; (ii) to process payment; (iii) to send information to the User; and/or (iv) for any other purpose WSFCL may indicate to the User from time to time.
If the User supplies WSFCL with his/her postal address, the User may receive periodic mailings with information about new Products and Services or upcoming promotions/events. If the User does not want to receive such mailings at any point, the User shall direct its request to WSFCL.
If the User supplies WSFCL with his/her telephone number, the User may receive telephone calls from WSFCL with information about new Products and Services or upcoming promotions/events. If the User does not want to receive such telephone calls at any point, the User shall direct its request to WSFCL.
WSFCL may process personal information on its servers in other countries around the world. WSFCL may also process the User’s personal information on a server located outside the country where the User lives.
WSFCL will ask for the User’s consent prior to using information for a purpose other than those that are set out in its Privacy Policy.

Collection of Information

WSFCL collects information in two primary ways:

  1. Information provided by the User: The Website may require the User to register an Account to use the Website or the Products and Services of WSFCL. At the time of registration, the User will need to provide personal and payment information.
  2. Information obtained through the User’s Use of Products and Services: WSFCL may collect information about the Products and Services the User engages in when the User visits the Website or when the User accesses advertising services. This information includes, but not limited to, the following:
    1. Device/System information: hardware model, operating system version, any unique device identifiers, mobile device information or phone numbers.
    2. Log information: information collected through and stored in server logs, i.e. search queries, internet protocol address, cookies, etc.
    3. Location information: if the User is using the Website on a location-enabled device, WSFCL may collect and process information about the User’s physical location, such as GPS signals sent by a mobile device, etc.
    4. Local Storage information: WSFCL may collect and store information locally on the User’s device using electronic tools such as browser web storage and application data cache.

Access of and Updates to Personal Information

WSFCL endeavours to provide the User with access to its personal information if the information needs to be updated. The User may be required to verify his/her identity before such update request is approved by WSFCL.
WSFCL may reject update requests that are unreasonable, repetitive, require the usage of difficult technical capabilities (i.e. developing a new database/system, or changing an existing business practice), risk the privacy of other Users, impractical or impossible to carry out.
WSFCL shall not be held liable for any loss of data, or any other consequences resulting from the update request submitted by the User.

Sharing of Information

WSFCL will not share personal information with members external to its company (“Third Parties”) except in the following circumstances:

  1. User’s Consent: WSFCL shall be authorized to share information with Third Parties if it has obtained consent from the User by any means of communication.
  2. Processing by Affiliates: WSFCL may need to provide personal information to Third Parties, such as our Agents, Banks, trusted business partners, etc.
  3. Legal/Compliance: WSFCL may share the information to meet applicable law, regulation, legal process, or governmental request.
  4. Other: WSFCL may also need to disclose personal information to (a) enforce the Terms and Conditions of WSFCL, (b) address security or technical issues (c) detect and prevent fraud and harm to WSFCL or other Users and their property; or (d) establish or preserve a legal claim or defence.

Protection of Information

WSFCL endeavours to protect against the loss, misuse, and alteration of information under its control. WSFCL has employed safety measures, such as password protection systems and firewalls to ensure such protection.
However, WSFCL does not make guarantees of any kind regarding the Website, its Content, or its Products and Services. The User expressly agrees that use of the Website, or the Products and Services is at his/her sole risk. WSFCL expressly disclaims any representation or warranty that the Website will be free from errors, viruses or other harmful components, that communications to or from the Website will be secure and not intercepted, that the Services and other capabilities offered from the Website will be uninterrupted, or that its Content will be accurate, complete or timely. Any material downloaded is done at the User’s own discretion and risk and that he/she will be solely responsible for any damage to his/her computer system or loss of data that results from the download of any such material.

Links to External Websites

The Website may contain links to other websites. WSFCL is not responsible for the privacy practices or the content of other websites.

Accountability

WSFCL’s Chief Operating Officer and Compliance Officer are responsible for WSFCL’s and the User’s compliance with the Privacy Policy. WSFCL will take reasonably commercial measures to ensure personal information is protected from unauthorized access, disclosure, copying, use or modification. WSFCL provides training to its staff with respect to the Privacy Policy in order for the staff to carry out the day-to-day collection and processing of personal information. If the User’s personal information is transferred to Agents or service providers, i.e. IT service providers that perform services on WSFCL’s behalf, WSFCL will endeavour to use reasonable commercial efforts to ensure the security of the transmitted information.

Limiting Collection

WSFCL will limit the collection and use of both the amount and the type of personal information to that which is necessary for the identified purposes or to comply with applicable laws and/or regulations. Any such information will be obtained only by lawful means.

Accuracy

WSFCL endeavours to use reasonable commercial efforts to ensure that personal information is accurate, complete and up-to-date. However, WSFCL will rely upon the User to provide accurate and complete information and to advise WSFCL of any change in information. WSFCL endeavours to update or correct the personal information provided by the User if an update request is submitted.

Openness

WSFCL endeavours to respond to the User’s requests to provide additional information about its policy and practices regarding the collection, use, and disclosure of personal information.

Challenging Compliance

WSFCL wants the User to understand its commitment to privacy. Please contact WSFCL with any inquiry, request or complaint related to the Privacy Policy.

Modifications

The Privacy Policy may be updated from time to time. Notice of changes to the Privacy Policy of WSFCL may not be posted. This Privacy Policy was last updated in April 2016.

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