Canada

Effective 27 January 2024

Introduction

Your privacy and keeping your personal information secure are extremely important to us. At COINCHANGE SOLUTIONS CORP., we are committed to protecting and respecting Your privacy and handling Your information in an open and transparent manner.

This Privacy Policy ("Policy") explains among other things: what we do with your personal information; what we do to keep it secure;  with whom we share your information; your rights in relation to the personal information we hold about you; and who you can contact for more information. In this Policy, references to "You" and "Your" are references to users of our website and/or of our Mobile Apps and a consumer.

We will amend or update this Policy regularly to reflect changes in our practices with respect to the processing of personal information, or changes in applicable law. We encourage you to read this Policy carefully, and to regularly check this page to review any changes we might make to the terms of this Policy.

If you don't want to read all the details. Here are the highlights that you may really wish to know:

· COINCHANGE SOLUTIONS CORP. is an international payment service that provides international money saving services in Canada.

· Where appropriate we share your personal information within the COINCHANGE SOLUTIONS CORP., partners and other companies. Upon request or where we are legally obliged, we may share your information with public agencies.

· We also collect from You information in relation to other people (for example, details of the recipients of Your money transfers). In providing this information you confirm to us that you have their permission to do so. 

· We use third parties to process your personal information on our behalf to perform our services for you, and due to the international nature of our business some of them are based outside the United States of America.

· You have several rights over your personal information, and the manner in which you can exercise those rights are contained in this Policy.

· We will send you direct marketing if we are allowed to do so. We do this to encourage you to use our services and send you offers or promotions that may interest you. You can ask us to stop sending you marketing information at any time.

· We also use your personal information to display online adverts and Marketing relating to our services on our website, online media channels or by sending you push notifications if you use our mobile app.

· We do not intentionally use children’s information (our website and mobile application are not intended for children).

Who are we?

COINCHANGE SOLUTIONS CORP. is a Mobile Applications that helps our users to same coin change money that remains from cash transactions. Our business address 930 Seymour Street, Vancouver, V6B 1B4. We are committed to protecting and respecting your privacy, handling your information in an open and transparent manner, and keeping your information secure.

The personal information we collect about you

We may collect, record and use information about You in physical and electronic form and will hold, use and otherwise process this data in accordance with the Data Protection Legislation and as set out in this Policy.

The personal information we collect and use may include, amongst other thing

· Your name;

· Your contact information such as Your email address, postal address and telephone number or any telephone number used to call us;

· Your demographic information such as age, education, gender, and interests;

· Evidence of Your identity, (for example passport information, social security number; and driver’s license)

· Unique identifiers such as Your username, account number and password;

· Your profiles and postings on any other social media applications and services that we provide or that You make available to us;

· Your payment details and other financial data (for example, Your bank or payment method provider’s name and Your account number and sort code) and salary details; and

· Information about Your visit to our website, including the full Uniform Resource Locators (URL), clickstream to, through and from our website (including date and time), length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs) and methods used to browse away from the page.

We also collect from you information in relation to other people (for example, details of the recipients of your money transfers) where you provide us with such information. In providing this information you confirm to us that you have obtained all necessary permissions from them to the reasonable use of their information for the purposes and in the manner described in this Policy, or are otherwise permitted to give us this information on their behalf. Please also ensure that those other people are aware of this notice and that the provisions of this notice are clearly communicated to them.

How we collect your personal information

· Information you give to us when you use our services. If you use our services you will need to provide certain information including Your name, address and card number, as well as the name and other details of the recipients of the money transfers that you instruct us to carry out.  This information must be complete and accurate, and if not we may have to take additional steps to complete the transaction.

· Other information You give to us. This is information about You that You give us by filling in forms on our website (for example, the ‘contact us’ section) or when you communicate with us by phone, e-mail or otherwise. It includes, for example, information You provide when You register on the website for us to contact You, when You inquire about any of our Services, when You sign up to receive notifications, and when You report a problem with our website. The information You give us may include, among other data, Your name and email address.

· Other Sources. We may receive information about You from other sources, including publicly available databases and combine this data with information we already have about You. This helps us to update, expand and analyse our records and provide services that may be of interest to You.

· Information we collect about You.

o Like most websites, we use "cookies",Sdks, and similar technologies to help us make our site – and the way You use it – better. Cookies mean that a website will remember You. They are small text files that websites transfer to Your computer (or phone / tablet). They improve website use and speed – for example by automatically filling Your name and address in text fields.

o Log Files. In addition, with regard to each of Your visits to our site, we will automatically collect certain information (for example, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data). We may combine this automatically- collected log information with other information we collect about You.

o Social Media Widgets. Our website includes Social Media Widgets or Features, such as the Facebook Like button and Twitter button which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal information, such as Your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

· Mobile App. When You download our Mobile App, in addition to the information mentioned above we:

· automatically collect information on the type of device You use, operating system version, and system and performance information. We may send You push notifications from time-to-time in order to update You about events or promotions that we may be running. If You no longer wish to receive these types of communications, You may turn them off at the device level. To ensure You receive proper notifications, we will need to collect certain information about Your device such as operating system and user identification information;

· may collect Your geolocation information derived from your device. Your geo-location data may be shared with third parties; and

· may use mobile analytics software to allow us to better understand the functionality of our Mobile Software on Your device. This software may record information such as how often You use the Mobile App, the events that occur within it, aggregated usage, performance data, and where the Mobile App was downloaded from.

How we use your personal information

Our primary purpose in collecting user information is to provide You with a safe, smooth, efficient, and customised experience and to provide the services You have requested from us. We may also use the information that You have provided to ensure that the content on our site is presented in the most effective manner for You and Your computer or device.

We use Your information for the following specific purposes:

· to carry out our obligations arising from any contracts entered into between You and us or from applicable law such as anti-money laundering laws, and to provide You with the Services in accordance with our terms and conditions and with this Policy;

· to register You with a COINCHANGE SOLUTIONS CORP. account;

· to fulfil Your Transaction / Request;

· to send You confirmations or other notifications;

· to notify You about temporary or permanent changes to our services or other service-related messages;

· to assist you where online applications are not completed;

· to prevent fraud, money laundering, and any other illegal activity;

· to ensure that content from our site is presented in the most effective manner for You and for Your computer;

· to promote our business;

· to send You Marketing communications, provided that You have given us Your contact details and that you do not decide to opt out from this type of communications, in accordance with Data Protection Legislation.

· to administer our site and for internal operations, including troubleshooting, data analysis, profiling and segmentation analysis, testing, research, statistical and survey purposes;

· as part of our efforts to keep our site, Mobile App and our services safe and secure;

· Analytics, web traffic analysis, to measure or understand the effectiveness of advertising we serve to You and others, and to deliver relevant advertising to You;

· Online Behavioral Advertising (to learn more about ad choices, or to opt out of interest-based advertising

· to make suggestions and recommendations to You and other users of our site about services that may interest You or them;

· to train, monitor and assess the effectiveness of the manner in which we provide the Services to You; 

· to consider and investigate any concerns or complaints you may have; and

Automated decision-making

You will not be subject to decisions that will have a legal or significant impact on you based solely on automated decision-making, except if: (i) the automated decision-making is required or authorised by law; (ii) is necessary for entering into or performing the contract; or (iii) is based on your individual explicit written consent.

Direct Marketing

We may use the contact details You provided to send you marketing communications by email, telephone, direct mail or other communication formats about similar products or services where permitted by applicable law (unless you have opted out). 

In other cases, we may ask for your consent to send you marketing communications about products or services offered by third party companies.

Who we might share your personal information with

Your personal information is very important to us. However there are circumstances where it is necessary for us to share your information for legitimate business purposes (including operating our site and our Mobile App, and providing services to you), in accordance with applicable law and subject to applicable professional and regulatory requirements regarding confidentiality and professional secrecy. In addition, we may disclose your personal information to:

· Our affiliates - we share your information with our affiliates and other companies within COINCHANGE SOLUTIONS CORP.

o for our internal business, operational, management and service needs;

o for compliance, regulatory and audit activity and in connection with legal, regulatory and tax claims and investigations;

o to understand and support our consumers and other individuals who use our services, apps and visit our sites; and

o to send Marketing communications to you.

· Third party processors which include people with whom we do business or who provides services to us. If we engage a third party processor to process your information, the Processor will be subject to binding contractual obligations to: only use the personal information in accordance with our prior written instructions; and use measures to protect the confidentiality and security of the personal information, together with any additional requirements. We may disclose data to provide our services, to respond to legal requirements, enforce our policies, liaise with judicial or regulatory authorities where required under applicable law, and protect our rights and property.  Processors may include:

o Credit reference agencies or other service providers to verify Your identity or the identity of recipients of the money transferred through our services or for any other purpose related to providing our services;

o Professional advisers, such as our auditors and lawyers;

o Companies that capture or analyse information to help us understand how our services, sites and Mobile Apps are used and perform or to tailor our services and promotions, including for the purpose of allowing us to improve the services we provide;

o Companies that provide us with marketing assistance, including: the management of email marketing operations, SMS and other services that deploy marketing on the internet or social media platforms ; the running of surveys and other feedback activity; as analysis of the effectiveness of any marketing or consumer engagement we do;

o Banks, payment card processors and other service providers that process bank transfers, credit and debit card payments or otherwise provide financial infrastructure services to enable us to provide our services;

o Our service providers, including those who provide data hosting services, fraud prevention services; technology services, and technology tools that allow us to monitor, test and improve our services, sites and Mobile Apps;

o Companies that we have instructed to provide services to or for us for those purposes that may be reasonably ascertained from the circumstances in which the information was submitted;

o Other business entities should we plan to merge with, or be acquired by, or be invested in by that business entity, or if we undergo a corporate reorganisation; and

o Any successor in business to us.

· Fraud Prevention Agencies - Where we have a good reason to suspect fraud, money laundering, counter terrorist financing or any other illegal activity we can, upon request or where legally obliged, share your personal information with crime prevention agencies and other third parties for the purpose of detecting, preventing, or reporting crime, or for actual or suspected breach of any applicable law or regulation. These third parties may include business partners and companies that provide services to us, law enforcement bodies, regulatory and supervisory authorities, providers of fraud prevention and detection services. Please note, we may suspend activity on your account or any transaction, refuse access to your account or cancel any transaction you may want to make, if we think there is a risk of any illegal activity.

· Public Agencies - We release accounts or other personal information when we consider it appropriate to comply with the law, to enforce our Terms and Conditions and any other agreement to protect the rights, property, or safety of COINCHANGE SOLUTIONS CORP., our employees, consumers, our business partners, and the public. In these circumstances, we will only provide them with the information they require to perform their function.

· Research companies - We may share personal information in a secure way to allow research companies and feedback providers to contact you directly on our behalf to get your opinions on or refuse to take part in the research or surveys.

Links to Other Sites

Our sites may contain links to other websites, including via our social media buttons. While we try to link only to websites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other websites and a link does not constitute an endorsement of that website. Once You link to another website from our site You are subject to the terms and conditions of that website, including, but not limited to, its internet privacy policy and practices. Please check these policies before You submit any data to these websites.

How we keep your personal information secure

We have implemented appropriate technical and organisational security measures designed to protect your personal information against accidental or unlawful destruction, loss, alteration, unauthorised disclosure, unauthorised access, and other unlawful or unauthorised forms of Processing, in accordance with applicable law.

Unfortunately, the transmission of information via the internet (including by email) is not completely secure. Although we will do our best to protect Your personal information, we cannot guarantee the security of Your data transmitted to our site; and any transmission is at Your own risk. Once we have received Your information, we will use strict procedures and security features to try to prevent unauthorised access.

Protecting your own information

It is important to keep your password secure to prevent fraudulent use of your account. Do not disclose your password to anyone else and especially anyone who requests it from you by telephone or email. COINCHANGE SOLUTIONS CORP. will never ask you to provide your password or personal information via email. 

How long will we keep your personal information

We take every reasonable step to ensure that your personal information is only retained for as long as it is required for the purposes set out in this Policy. Therefore, we will only keep the information we collect about You for as long as required for the purposes set out above, or as required to comply with any legal or regulatory obligations to which we are subject. This will involve us regularly reviewing our files to check that information is accurate, up-to-date and still required.

The period for which we will retain information about You will vary depending on the type of information and the purposes for which we will use it. Generally, unless applicable law or our legal and regulatory obligations require a longer retention period, we will keep our records for at least six years after you have terminated your relationship with us.

Your Rights

Subject to applicable law, you may have a number of rights regarding our processing of your relevant personal information, including:

· Request for access to your personal information, together with information regarding the nature, Processing and disclosure of personal information.

· Request for the correction of any inaccuracies in your personal information.

· Request for the deletion of your personal information. We will keep a note of your name if you ask for your personal information to be erased.

· Request the restriction of our use of your personal information.

· Request for the transfer of your personal information to another party. 

We will only process your request where we are satisfied that we have successfully verified your identity, and you are the one requesting for your personal information to be processed. We may therefore require proof of your identity before we can give effect to these rights. 

You should also be aware that some of these rights are qualified and not absolute; therefore exemptions or limitations may apply.

The quickest and easiest way to make a request is to contact us directly by emailing contactus@coinchange.app and we will endeavour to respond within one month or a reasonable period in compliance with Data Protection Legislation. We reserve the right to charge a reasonable fee (reflecting the costs of providing the information) or to refuse to respond where requests are manifestly unfounded or excessive: in this case, we will explain the situation to You and we will inform You about Your rights.

Cookies and similar technologies

When you visit our site or use a Mobile App we may place cookies, SDKs or similar trackers (“Cookies”) onto your device, or read Cookies already on your device, subject always to obtaining your consent through our Preference and Consent Management banner. We use Cookies to record information about your device, your browser and, in some cases, your preferences and browsing habits. We use your personal information through these Cookies and similar technologies.

You can use your web browser to control most cookies through the browser settings such as to:

· delete all cookies;

· block all cookies;

· allow all cookies;

· block ‘third-party’ cookies (ie, cookies set by online services other than the one you are visiting); and

· clear all cookies when you close the browser.

To find more information on how to manage your cookies on browsers please visit the browser developer's website. 

Contact us

Questions, comments and requests regarding your personal information and our Policy are welcome and should be sent to contactus@coinchange.app or you can call us at 1-401-572-4821. 

You may also use these contact details if you wish to make a complaint to us relating to your privacy.

If you have any concerns about our use of Your information, You can make a complaint to the Attorney General of your Province or Territory of residence, or to our regulator in your province or Territory of residence.