PRIVACY POLICY

Thank you for choosing A Remit Ltd. We are committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in connection with our international money transfer, virtual currency, and foreign exchange services.

A Remit Ltd. is a corporation incorporated under the Business Corporations Act (Ontario), Ontario Corporation Number 1001045139, with its registered office at 665 Fanshawe Park Rd W, Ste 2, Unit 224, London, Ontario, N6G 5B4, Canada. We are registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business (MSB), Registration No. C100000745.

This Privacy Policy is governed primarily by the federal Personal Information Protection and Electronic Documents Act (PIPEDA). Where we collect personal information from residents of Quebec, we also comply with Quebec’s Act Respecting the Protection of Personal Information in the Private Sector, as amended by Law 25. By using our services or visiting our website at https://aremit.co, you consent to the collection and use of your personal information as described in this Privacy Policy.

1. Information We Collect

A Remit Ltd. collects various types of personal information from you, including but not limited to:

• Contact information: your full name, address, email address, and phone number
• Financial information: bank account details, card information, and transaction history
• Identification information: passport or driver’s licence number, date of birth, and other government-issued ID details, collected to meet our identity verification obligations
• Transaction details: recipient’s name, contact information, country, and transaction amount
• Virtual currency information: digital wallet addresses and virtual currency transaction details, where you use our virtual currency exchange or transfer services
• Technical data: IP address, device information, browser type, and usage data when you interact with our website or services

2. How We Use Your Information

A Remit Ltd. uses your personal information for the following purposes:

• To provide our services: processing transactions, verifying your identity, and communicating with you regarding your transactions
• To improve our services: by analyzing usage data, identifying trends, and enhancing our website and service offerings
• To comply with legal obligations: including our obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), FINTRAC reporting and record-keeping requirements, sanctions screening, and other applicable legal requirements
• To communicate with you: about our services, updates, and relevant information, in accordance with Canada’s Anti-Spam Legislation (CASL) and unless you opt out
• To protect our rights and interests: detecting and preventing fraud, unauthorized access, and security incidents
• To provide customer support and resolve technical issues

3. Tracking & Cookies

We use cookies and similar tracking technologies (beacons, tags, and scripts) to track activity on our Service and store certain information. The following types of cookies are used:

• Session Cookies – used to operate our Service during your visit
• Preference Cookies – used to remember your preferences and various settings
• Security Cookies – used for security and fraud prevention purposes

You can configure your browser to refuse cookies or to notify you when cookies are being sent. However, some features of our website may not function correctly if cookies are disabled.

4. Information Sharing

We do not sell your personal information. We may share your personal information with third parties only in the following circumstances:

• Service Providers: trusted partners who assist us in delivering our services, such as payment processors, identity verification services, and customer support providers
• Legal and Regulatory Requirements: to comply with applicable laws, including reporting to FINTRAC (such as suspicious transaction reports and large virtual currency or cash transaction reports), court orders, or government requests, or to protect our rights and interests
• With Your Consent: where you have explicitly agreed to the sharing of your information with specific third parties

5. Cross-Border Data Transfers

Your personal information may be transferred to, and processed in, countries outside of Canada, including countries with different data protection laws, where our service providers or payment partners are located. A Remit Ltd. will take all reasonable measures to ensure your data receives an adequate level of protection in accordance with applicable laws and this Privacy Policy.

By accepting this Privacy Policy and submitting your information, you consent to this transfer.

6. Data Retention

We retain personal information for as long as necessary to fulfil the purposes described in this Privacy Policy, including to satisfy our record-keeping obligations under the PCMLTFA and FINTRAC requirements, which generally require client identification and transaction records to be retained for at least five years. Where information is no longer required, we securely destroy, erase, or anonymize it.

7. Data Security

A Remit Ltd. takes reasonable and commercially appropriate technical and organizational measures to protect the confidentiality and security of your personal information against unauthorized access, alteration, disclosure, or destruction.

Please be aware that no method of electronic storage or transmission over the Internet is completely secure, and we cannot guarantee absolute security of your data. In the event of a data breach that creates a real risk of significant harm, we will notify you and, where required, the Office of the Privacy Commissioner of Canada, as required by applicable law.

8. Children’s Privacy

A Remit Ltd. services are strictly not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that a child has provided us with personal information without parental consent, we will promptly delete such information.

9. Links to Third-Party Websites

Our website may contain links to third-party websites not operated or controlled by A Remit Ltd. We are not responsible for the content, privacy practices, or policies of any third-party sites. We strongly encourage you to review the privacy policy of every website you visit before providing any personal information.

10. Your Privacy Rights

Under PIPEDA, and, where applicable, Quebec’s Law 25, you have the following rights regarding your personal information:

• Right to Access: request a copy of the personal information we hold about you
• Right to Rectification: request correction of inaccurate or incomplete data
• Right to Withdraw Consent: withdraw your consent to our collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice
• Right to Data Portability: request that certain personal information be provided to you, or transferred to another organization, in a structured, commonly used technology format, where applicable
• Right to Object: object to our processing of your personal information

To exercise any of these rights, please contact our Privacy Officer using the details provided below. If you are not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada (OPC), or, for Quebec residents, the Commission d’accès à l’information du Québec (CAI).

11. Marketing Communications

Where we send you commercial electronic messages, we do so in accordance with Canada’s Anti-Spam Legislation (CASL). Every marketing message will include a functional unsubscribe mechanism, and we will honour opt-out requests promptly. You may also contact us directly at any time to opt out of marketing communications.

12. Modifications to This Privacy Policy

A Remit Ltd. may update this Privacy Policy from time to time. Any changes will be communicated by posting the updated policy on our website https://aremit.co with a revised effective date. Where required, we will notify you by email or a prominent notice on our Service prior to the change taking effect.

We encourage you to review this Privacy Policy periodically. Continued use of our services after any modifications constitutes your acceptance of the updated policy.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact our Privacy Officer:

• Company: A Remit Ltd.
• Ontario Corporation Number: 1001045139
• FINTRAC MSB Registration No.: C100000745
• Address: 665 Fanshawe Park Rd W, Ste 2, Unit 224, London, Ontario, N6G 5B4, Canada
• Phone: +1 226-741-0725
• Email: info@aremit.co
• Website: https://aremit.co