PRIVACY POLICY
Blockgration Global Corp (BGC) is committed to safeguarding our customers’ privacy and security. BGC collect and share your personal information when you use our products and services, which may be offered under the brand names CashZen and/or CashZen Wallet. This Privacy Policy explains what personal information we collect about you, with whom we share it, and how you (as the user of BGC services) can direct us not to share certain information with certain parties. “Personal Information” refers to information such as name and email that can be used to identify an individual. You should read this Privacy Policy in its entirety.
We may update this Privacy Policy to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We recommend you to periodically review this page for the latest information on our privacy practices.
Purpose of the Privacy Policy
This Privacy Policy serves to
Transparency and Scope
This Privacy policy is applicable to users engaging with our products and services acquired through our website (www.cashzenapp.com) and/or our Cashzen mobile apps (collectively referred to as the “App”). This Privacy Policy offers insight into our practices regarding information handling when you access content on websites under our ownership or operation, such as www.cashzen.ca. Furthermore, it extends to the utilization of Cashzen mobile apps, BGC APIs, third-party applications leveraging these APIs, and the corresponding services, collectively referred to as “Services”.
If you have any questions, please contact us at [email protected]
ACCEPTANCE OF PRIVACY POLICY
By accessing and using our Services, you accept the terms of this Privacy Policy. Where we require your consent to process your personal information, we will ask for your consent to the collection, use, and disclosure of your personal information as described further below. BGC may provide additional disclosures or additional information about the data collection, use and sharing practices of specific Services. These disclosures or additional information may supplement or clarify BGC’s privacy practices or may provide you with additional choices about how BGC processes your data.
If you do not agree with or you are not comfortable with any aspect of this Privacy Policy, you should immediately discontinue access or use of our Services.
We reserve the right to modify this Privacy Policy at any time, and when required by law, we will notify you of changes to this Privacy Policy. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on our Services prior to the change becoming effective.
We reserve the right to determine the means and purposes of processing data in relation to BGC Services. If you have any questions about the BGC Services, your account with BGC, your personal information or this Privacy Policy, please direct your questions to [email protected]
THE PERSONAL INFORMATION WE COLLECT.
“Personal information” is data that can be used to identify you directly or indirectly, or to contact you. Our Privacy Policy covers all personal information that you voluntarily submit to us and that we obtain from our partners. This Privacy Policy does not apply to data that has been made anonymous, or that cannot be used to identify you directly or indirectly, or to contact you.
BGC may share your personal information with its subsidiaries, for use consistent with this Privacy Policy. We may also combine it with other information to provide and improve our products, services, and content.
Except as described in this Privacy Policy, BGC will not give, sell, rent or loan any personal Information to any third party.
We collect personal information to provide you with our Services. When we require certain personal information from users it is because we are required by law to collect this information or it is relevant for specified purposes. Any information you provide to us that is not required, is voluntary. You are free to choose whether to provide us with the types of personal information requested, but we may not be able to serve you as effectively or offer you all of our Services when you do choose not to share certain information with us.
For example, we collect personal information which is required under the law to activate, register or open your account, add a payment method, or execute a transaction. We also collect personal information when you use or request information about our Services, subscribe to marketing communications, request support, or complete surveys. We may also collect personal information from you offline, such as when you contact customer support. We may use this information in combination with other information we collect about you as set forth in this Policy.
Depending on what services we provide, we may collect the following types of information:
Cookies and Web beacons: Our website and App utilizes web technologies such as “cookies” and “web beacons” to enhance your user experience. Cookies are small text files stored on your device, which aid in improving, customizing, and operating our services. They help us understand popular FAQs and display relevant content. We may also use cookies to retain preferences like language settings. Web beacons provide insights into page visits, origins, and operating systems for performance monitoring. These technologies don’t gather personal information. While most browsers accept cookies by default, you can remove or reject them, though this might affect site functionality. You can’t decline web beacons, but by adjusting browser settings, you can choose to accept or decline cookies. Please note, these choices don’t impact personal information collection. For questions, contact us at [email protected]. Your privacy matters, and we’re here to help.
HOW YOUR PERSONAL INFORMATION IS USED
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. In general, we use personal information to create, develop, operate, deliver, and improve our Services, content and advertising, and for loss prevention and anti-fraud purposes. We may use this information in the following ways:
Our core Services are subject to laws and regulations requiring us to collect and use your personal identification information, formal identification information, financial information, transaction information, employment information, online identifiers, and/or usage data in certain ways. For example, BGC must identify and verify customers using our Services in order to comply with anti-money laundering and terrorist financing laws in Canada and across other jurisdictions. In addition, we may use third parties to verify your identity by comparing the personal information you provided against third-party databases and public records. If and when you seek permission to raise transaction limits associated with your BGC Cashzen Account, we may require you to provide additional information which we may use in collaboration with service providers acting on our behalf to verify the source of funds, your identity or address, and/or to manage risk as required under applicable law. Failing to process your personal information for these purposes could result in restricted Services or even the closure of your account. These actions are essential to ensure prudent operations and compliance with legal and regulatory mandates.
BGC handles very sensitive information, such as your identification and financial data, so it is very important for us and our customers that we are actively monitoring, investigating, preventing and mitigating any potentially prohibited or illegal activities, enforcing our agreements with third parties, and/or violations of our posted user agreement or agreement for other Services. In addition, we may need to collect fees based on your use of our Services. We collect information about your account usage and closely monitor your interactions with our Services. We may use any of your personal information collected on our Services for these purposes. The consequences of not processing your personal information for such purposes ranges from a limitation of Services, to the termination of your account, as we need to act prudently and perform the Services in accordance with legal and regulatory requirements.
We process your personal information in order to provide our Services to you including:
We send administrative or account-related information to you to keep you updated about our Services, inform you of relevant security issues or updates, or provide other transaction-related information. Without such communications, you may not be aware of important developments relating to your account that may affect how you can use our Services.
We process your personal information when you contact us to make inquiries, resolve any questions, disputes, collect fees, or to troubleshoot problems. Without processing your personal information for such purposes, we cannot respond to your requests and ensure your uninterrupted use of the Services.
We process your personal information for quality control and staff training to make sure we continue to provide you with accurate information. If we do not process personal information for quality control purposes, you may experience issues on the Services such as inaccurate transaction records or other interruptions. Our basis for such processing is based on the necessity of performing our contractual obligations with you.
We process your personal information in order to enhance security, monitor and verify identity or service access, combat spam or other malware or security risks and to comply with applicable security laws and regulations. The threat landscape on the internet is constantly evolving, which makes it more important than ever that we have accurate and up-to-date information about your use of our Services. Without processing your personal information, we may not be able to ensure the security of our Services.
We process your personal information to better understand the way you use and interact with BGC’s Services. In addition, we use such information to customize, measure, and improve BGC’s Services and the content and layout of our website and applications, and to develop new services.
Based on your communication preferences, we may send you marketing communications to inform you about our events or our partner events; to deliver targeted marketing; and to provide you with promotional offers based on your communication preferences. We use information about your usage of our Services and your contact information to provide marketing communications. You can opt-out of our marketing communications at any time.
We will not use your personal information for purposes other than those purposes we have disclosed to you, without your permission. From time to time we may request your permission to allow us to share your personal information with third parties. You may opt out of having your personal information shared with third parties, or allowing us to use your personal information for any purpose that is incompatible with the purposes for which we originally collected it or subsequently obtained your authorization. If you choose to so limit the use of your personal information, certain features or BGC Services may not be available to you.
INFORMATION FROM THIRD PARTY SOURCES
From time to time, we may obtain information about you from third party sources as required or permitted by applicable law, such as public databases, credit bureaus, ID verification partners, resellers and channel partners, joint marketing partners, and social media platforms.
We receive and store certain types of information automatically, such as whenever you interact with the Sites or use the Services. This information does not necessarily reveal your identity directly but may include information about the specific device you are using, such as the hardware model, device ID, operating system version, web-browser software (such as Firefox, Safari, or Internet Explorer) and your Internet Protocol (IP) address/MAC address/device identifier.
For example, we automatically receive and record information on our server logs from your browser, including how you came to and used the Services; your IP address; device type and unique device identification numbers, device event information (such as crashes, system activity and hardware settings, browser type, browser language, the date and time of your request and referral URL), broad geographic location (e.g. country or city-level location) and other technical data collected through cookies, pixel tags and other similar technologies that uniquely identify your browser. We may also collect information about how your device has interacted with our website, including pages accessed and links clicked. We may use identifiers to recognize you when you arrive at the Site via an external link, such as a link appearing on a third-party site.
WHY WE SHARE PERSONAL INFORMATION WITH OTHER PARTIES
We take care to allow your personal information to be accessed only by those who really need to in order to perform their tasks and duties, and to share with third parties who have a legitimate purpose for accessing it. BGC will never sell or rent your personal information. We will only share your information in the following circumstances:
If you establish a CashZen Account indirectly on a third-party website or via a third- party application, any information that you enter on that website or application (and not directly on a CashZen website) will be shared with the owner of the third- party website or application and your information will be subject to their privacy policies.
HOW PERSONAL INFORMATION IS SHARED WITH THIRD-PARTY SITES AND SERVICES
If you use your CashZen Account to transfer Wallet Balance in connection with the purchase or sale of goods or services, we or you may also provide the seller with your shipping address, name, and/or email to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to transfer Wallet balance to your seller fails or is later invalidated, we may also provide your seller with details of the unsuccessful transfer. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.
In connection with a Wallet balance transfer between you and a third party, including merchants, a third party may share information about you with us, such as your email address or mobile phone number which may be used to inform you that a transfer has been sent to or received from the third party. We may use this information in connection with such transfers to confirm that you are a BGC customer, that Wallet balance transfers are enabled, and/or to notify you that you have received Wallet balance. If you request that we validate your status as a BGC customer with a third party, we will do so. You may also choose to send Wallet balance to or request Wallet balance from an email address. In such cases, your username will be displayed in an email message notifying the user of the designated email address of your action.
Please note that merchants you interact with may have their own privacy policies, and BGC is not responsible for their operations, including, but not limited to, their information practices. Information collected by third parties, which may include such things as contact details or location data, is governed by their privacy practices. We encourage you to learn about the privacy practices of those third parties.
If you authorize one or more third-party applications to access your CashZen Account, then information you have provided to BGC may be shared with those third parties. Unless you provide further authorization, these third parties are not allowed to use this information for any purpose other than to facilitate your transactions using CashZen Services.
HOW WE PROTECT AND STORE PERSONAL INFORMATION
We understand how important your privacy is, which is why BGC maintains (and requires its service providers to maintain) appropriate physical, technical and administrative safeguards to protect the security and confidentiality of the personal information you entrust to us.
We may store and process all or part of your personal and transactional information, including certain payment information, such as your encrypted bank account and/or routing numbers, We protect your personal information by maintaining physical, electronic, and procedural safeguards in compliance with the applicable laws and regulations.
For example, we use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. Full credit card data is securely transferred and hosted by BGC, or off-site by a payment vendor, in compliance with Payment Card Industry Data Security Standards (PCI DSS). This information is not accessible to BGC or BGC staff.
BGC cannot guarantee that loss, misuse, unauthorized acquisition, or alteration of your data will not occur. Please recognize that you play a vital role in protecting your own personal information. When registering with our Services, it is important to choose a password of sufficient length and complexity, to not reveal this password to any third-parties, and to immediately notify us if you become aware of any unauthorized access to or use of your account.
Furthermore, BGC cannot ensure or warrant the security or confidentiality of information you transmit to us or receive from us by Internet or wireless connection, including email, phone, or SMS, since we have no way of protecting that information once it leaves and until it reaches us. If you have reason to believe that your data is no longer secure, please contact us at the email address, mailing address or telephone number listed at the end of this Privacy Policy.
HOW YOU CAN ACCESS OR CHANGE YOUR PERSONAL INFORMATION
You are entitled to review, correct, or amend your personal information, or to delete that information where it is inaccurate. You may do this at any time by logging in to your account.
If you close your CashZen Account, we will mark your account in our database as “Closed,” but will keep your account information in our database for a period of time described above. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personal information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, as required by law, or in accordance with this Privacy Policy.
Rights of access, correction and deletion
You have a right of access to the personal information that we hold about you. Additionally, you can also require any inaccurate personal information to be corrected or deleted.
You can object to our use of your personal information for direct marketing purposes at any time and you may have the right to object to our processing of some or all of your personal information (and require them to be deleted) in some other circumstances.
If you wish to exercise any of these rights, please contact us as set out below.
We store your personal information securely throughout the life of your Cashzen Account. We will only retain your personal information for as long as necessary to fulfil the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting obligations or to resolve disputes. While retention requirements vary by jurisdiction, information about our typical retention periods for different aspects of your personal information is described below.