Privacy Statement
This Privacy Statement describes how Herat Exchange Inc.(“ heratexchange.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.
“heratexchange.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:
- We collect personal information when you ask us to send or receive money or to provide
other goods or services, provided by telephone, online at our Web site, through
paper-based forms or at Our agent locations. This personal information may include
identities and contact information of senders and recipients of money transfers
or payments, credit card, banking or other billing information, birth dates and
other personal identifiers, “out of wallet” questions used to verify your identity
for security and fraud prevention purposes, identification number and amounts paid
or transferred.
- We collect personal information when you submit personal information on applications
or other forms to us or our affiliates, including in connection with sending and
receiving money transfers, through your enrolment and participation in loyalty programs
and when you provide additional information we may reasonably request for fraud
prevention purposes.
- We collect information about your transactions with us, including transaction history,
such as frequency of use and amounts transferred.
- In connection with identify verification, fraud prevention and similar security
purposes, we collect and/or confirm certain identity-related information, financial
background and similar information through third parties sources such as our business
customers, government agencies and consumer reporting agencies;
- We collect information regarding your online activity as described in the section
below titled “INTERNET TECHNOLOGY.”
- We may collect personal information otherwise with your consent or as permitted
or required by law.
“heratexchange.com” generally uses personal information in the course of its money transfer,
payment and related services and products for the following purposes:
- Authorizing and processing your transactions, including effecting and administering
money transfers and payments and ensuring proper payment to the designated recipient
of funds.
- Collecting amounts owing to us, and otherwise enforcing and collecting on your accounts
or agreements with us.
- Meeting legal, regulatory, risk management, fraud prevention and security requirements,
which may include (among other measures) verifying the identity of the sender and
recipient of funds and checking identities against money laundering, terrorist financing
or similar watch lists established by regulatory agencies or similar bodies in Canada,
the United States or in other countries. For identity verification purposes, senders
and recipients of money transfers or payments may be required to produce valid identification
[or consent to verification by other means] before releasing funds.
- For marketing and promotional purposes, unless you “opt out” or withdraw consent
to this purpose, as described in the section entitled “Offers, Promotions and Opting
Out” below.
- Maintaining business and transaction records for reasonable periods, and generally
managing and administering our business.
- In connection with certain business transactions relating to “heratexchange.com”, its
business or assets, as further described in the section entitled “Information We
Disclose” below.
- Meeting insurance, audit and processing requirements.
- Otherwise with your consent or as permitted or required by law.
We may disclose your personal information to our affiliates and to unaffiliated
third parties in connection with the purposes described in this Privacy Statement
as follows:
- To Provide Services. In order to process and
complete requested money transfers and payments, we may disclose personal information
to the recipient of a money transfer or payment, to our local affiliates at the
sender’s or receiver’s location, as applicable, to authorized agents (both at the
sender’s and the recipient’s location), and, if applicable, the recipient and any
intermediary banks or other financial institutions or financial services companies
involved in the transaction or our services.
- Business Partners. Some of our services or programs
that you participate in are provided jointly with other third party business partners,
and certain personal information may be disclosed to these third party businesses
for the purpose of administering the service or program.
- Marketing Purposes. We may disclose personal
information to third parties for marketing and promotional purposes, unless you
“opt out” or withdraw consent to this disclosure, as described in the section entitled
“Offers, Promotions and Opting Out” below.
- Service Providers. ”heratexchange.com” may transfer
personal information to outside agents or service providers (including affiliates
of “heratexchange.com” acting in this capacity) that perform services on our behalf, for
example marketing, information technology and/or data hosting or processing services.
Some of these service providers or affiliates may be located outside of Canada,
including in the United States, and your personal information may be collected,
used, disclosed, stored and processed in the United States or elsewhere outside
of Canada for the purposes described in this Privacy Statement. We take reasonable
measures to ensure that personal information that may be processed by these service
providers on our behalf is protected and not used or disclosed for purposes other
than as directed by us, subject to legal requirements in Canada, the United States
and other foreign countries applicable to “heratexchange.com” affiliates, agents and service
providers, for example lawful requirements to disclose personal information to government
authorities in those countries.
- Business Transactions. Your personal information
may be used by “heratexchange.com” and disclosed to parties connected with the contemplated
or actual financing, securitization, insuring, sale, assignment or other disposal
of all or part of our business or assets (including, for example, your service account
with us), for purposes related to the evaluation and performance of these transactions,
including:
- permitting such parties to evaluate and determine whether to proceed or continue
with the transaction, and
- fulfilling reporting, inspection or audit requirements or obligations to such parties.
- Successors and assigns of “heratexchange.com” and/or its business or assets may use and
disclose your personal information for similar purposes as described in this Privacy
Statement.
- Legal, Regulatory, etc. Legal, Regulatory, etc.
“heratexchange.com” may disclose your personal information as necessary to meet legal,
regulatory, insurance, audit, and security requirements, and as otherwise with your
consent or as permitted or required by law (including as required by applicable
Canadian and foreign laws). This may include lawful requirements to disclose personal
information to government authorities in Canada and in foreign countries, for example
disclosures in compliance with suspicious activity reporting requirements under
anti-terrorism, anti-money laundering and similar laws and regulations in Canada
or in foreign countries.
“heratexchange.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 “heratexchange.com” and our affiliates that may be of interest
to you. In addition, “heratexchange.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:
- Herat Exchange (“heratexchange.com”) affiliates
- Authorized Herat Exchange (“heratexchange.com”) agents
- Financial services companies, such as banks, credit card companies, brokerage houses,
mortgage lenders and mortgage originators
- Non-financial companies such as retailers, home furnishers, clothing stores, catalogue
companies, florists, direct marketers, telephone companies, airlines, publishers
and other providers of goods and services.
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 +1-857-830-0116
or +1-403-671-8425 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 “heratexchange.com” services (for example money transfers) are made available
using online forms at our Web site, www.heratexchange.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:
- To assist us in providing services to you;
- To allow you to change web pages during your visit without having to re-enter your
password;
- To store your preferences and other information and to track activity on our website;
- To better understand the effectiveness of our promotional campaigns;
- To determine whether you came to our site from a banner ad or an affiliate Web site;
- To deliver Information specific to your interests on additional web sites; and
- To determine whether you've acted on our promotional messages
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 “heratexchange.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. “heratexchange.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 “heratexchange.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.
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 “heratexchange.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 “heratexchange.com”
and you should exercise caution when providing personal information to any person.
“heratexchange.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.
“heratexchange.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.
“heratexchange.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.heratexchange.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.
BY MAIL:
HERAT EXCHANGE LTD.
2 THORNCLIFFE PARK DR
EAST YORK, ON M4H 1H2
CANADA
BY TELEPHONE:
+1 416-424-1700
BY EMAIL:
INFO@HERATEXCHANGE.COM