Legal

Privacy Policy

Last updated: March 2026

1. Introduction

Global Connect Express Inc., operating as RemitClick (“RemitClick,” “we,” “us,” or “our”), is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, store, and protect your information when you use our website, mobile application, and money transfer services (collectively, our “Services”).

RemitClick is registered as a Money Services Business (MSB) with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), Registration Number M23456340, and complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

2. Information We Collect

2.1 Information You Provide

  • Identity Information:Full legal name, date of birth, nationality, government-issued photo ID (passport, driver's license, or national ID card).
  • Contact Information: Email address, phone number, mailing address.
  • Financial Information: Bank account details, payment card information, transaction history, source of funds information.
  • Verification Information: Selfie photographs, proof of address documents, additional documentation required for enhanced due diligence.
  • Business Information: For Business Account holders — company name, registration number, beneficial ownership details, licensing information, and authorized representative details.
  • Recipient Information: Name, bank details, mobile money information, and contact details of individuals you send money to.

2.2 Information Collected Automatically

  • Device Information: IP address, browser type and version, operating system, device identifiers, and screen resolution.
  • Usage Data: Pages visited, features used, time spent on pages, referring URLs, click patterns, and search queries.
  • Location Data: Approximate geographic location derived from your IP address.
  • Cookies & Tracking: Information collected through cookies, web beacons, and similar technologies as described in our Cookies Policy.

2.3 Information from Third Parties

  • Identity Verification Providers: Results of identity checks, document authentication, and biometric verification from our KYC/KYB partners.
  • Sanctions & Watchlist Databases: Screening results from compliance databases.
  • Credit & Financial Information: Where applicable, information from credit reference agencies or financial institutions.
  • Payment Partners: Transaction confirmation and status information from banking partners and payment processors.

3. How We Use Your Information

We use your personal information for the following purposes:

  • Service Delivery: To create and manage your account, process Transactions, deliver funds to Recipients, and provide customer support.
  • Identity Verification: To verify your identity and comply with KYC (Know Your Customer) and AML (Anti-Money Laundering) regulations.
  • Compliance: To comply with legal and regulatory obligations, including filing required reports with FINTRAC and other authorities, screening against sanctions lists, and maintaining audit trails.
  • Fraud Prevention: To detect, prevent, and investigate fraud, unauthorized access, and other illegal activities.
  • Communication: To send you Transaction confirmations, service updates, security alerts, and account notifications. We may also send promotional communications with your consent.
  • Improvement: To analyze usage patterns, improve our Services, develop new features, and enhance user experience.
  • Legal Obligations: To respond to lawful requests from law enforcement, regulators, and courts, and to establish, exercise, or defend legal claims.

4. Legal Basis for Processing

We process your personal information based on the following legal grounds:

  • Contractual Necessity:Processing is necessary to perform our contract with you (our Terms & Conditions) and to provide you with our Services.
  • Legal Obligation: Processing is required to comply with applicable laws and regulations, including AML/CTF laws, tax reporting requirements, and regulatory orders.
  • Consent: Where required, we obtain your explicit consent for specific processing activities, such as marketing communications. You may withdraw consent at any time.
  • Legitimate Interest: Processing is necessary for our legitimate business interests, such as fraud prevention, service improvement, and security, provided these interests do not override your rights and freedoms.

5. Information Sharing & Disclosure

We do not sell your personal information. We may share your information with:

  • Payment Partners: Banks, payment processors, and correspondent financial institutions necessary to complete your Transactions.
  • Verification Providers: Third-party identity verification and KYC/KYB service providers.
  • Regulatory Authorities: FINTRAC, law enforcement, and other government agencies as required by law.
  • Service Providers: Cloud hosting providers, customer support tools, analytics providers, and other technology partners that assist us in operating our Services, subject to strict confidentiality agreements.
  • Professional Advisors: Legal, accounting, and auditing professionals as necessary.
  • Corporate Transactions: In connection with a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

6. International Data Transfers

Your information may be transferred to and processed in countries other than your country of residence, including countries where our payment partners, service providers, and data processors are located. When we transfer your information internationally, we ensure appropriate safeguards are in place, including contractual obligations and compliance with applicable data protection standards, to protect your information in accordance with this Privacy Policy and applicable law.

7. Data Retention

We retain your personal information for as long as necessary to provide our Services, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods include:

  • Account Information: Retained for the duration of your account and for a minimum of 5 years after account closure, as required by FINTRAC regulations.
  • Transaction Records: Retained for a minimum of 5 years from the date of the Transaction, as required by Canadian AML regulations.
  • Identity Verification Records: Retained for a minimum of 5 years after the last Transaction or account closure.
  • Marketing Preferences: Retained until you withdraw consent or unsubscribe.

When retention periods expire, we securely delete or anonymize your personal information.

8. Data Security

We implement robust technical and organizational measures to protect your personal information, including:

  • 256-bit SSL/TLS encryption for data in transit.
  • AES-256 encryption for sensitive data at rest.
  • Multi-factor authentication for account access.
  • Regular security audits and penetration testing.
  • Access controls limiting employee access to personal information on a need-to-know basis.
  • Secure data centers with physical and environmental controls.
  • Incident response procedures and breach notification protocols.

While we take extensive measures to protect your data, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but are committed to promptly addressing any security incidents.

9. Your Rights

Subject to applicable law and certain exceptions, you have the following rights regarding your personal information:

  • Access: Request a copy of the personal information we hold about you.
  • Correction: Request correction of inaccurate or incomplete personal information.
  • Deletion: Request deletion of your personal information, subject to our legal retention obligations.
  • Withdrawal of Consent: Withdraw consent for processing activities based on your consent (e.g., marketing communications).
  • Complaint: Lodge a complaint with the Office of the Privacy Commissioner of Canada or your applicable provincial privacy authority.

To exercise any of these rights, please contact us at privacy@remitclick.com. We will respond to your request within thirty (30) days.

10. Children's Privacy

RemitClick's Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child under 18, we will take steps to promptly delete that information.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of material changes by email or by posting a prominent notice on our Platform at least thirty (30) days before the changes take effect. The “Last updated” date at the top of this page indicates when the policy was last revised. Your continued use of our Services after any changes constitutes acceptance of the updated policy.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact our Privacy Officer:

Global Connect Express Inc. (operating as RemitClick)
MSB Registration (FINTRAC): M23456340
Toronto, Ontario, Canada