Africa Remittance Company LLC dba SikaCash – Privacy Statement (United States)

OVERVIEW

WHAT PERSONAL INFORMATION DOES SIKACASH COLLECT AND HOW DO THEY USE YOUR PERSONAL INFORMATION?

Why?

Financial companies like SikaCash choose how they share your personal information, whether you send money, receive money, use our services or we otherwise collect information about you. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. SikaCash is committed to protecting the privacy of our customers’ personal information. This Privacy Statement is designed to inform you of our policies and procedures regarding the collection and use of your personal information, and your options with regard to that collection and use. Please read this Privacy Statement carefully to understand what we do.

Our primary goals in collecting information from you are to provide and improve our products and services, to administer your account, and to provide better targeted advertising. As used in this Privacy Statement, the terms “use,” “using” and “processing” information include subjecting the information to statistical or other analysis and using or handling information in any way, including but not limited to, scanning, collecting, storing, evaluating, modifying, deleting, using, combining, disclosing and transferring information within our organization or among our affiliates within the United States or internationally.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include, without limitation:

• the sender’s and beneficiary’s name, address, mobile and home telephone number, email address and bank account number;

• government identification numbers, such as driver’s license, state identification, passport, visa, Social Security number, tax identification number or foreign government identification;

• account balances and transaction history;

• credit and payment history and information; and

• if you contact us or transact with us via a computer or mobile device, then computer and mobile device information such as the domain and host you use to access the Internet, your computer’s Internet address, the browser and operating system software you use, social profile and network information, the date and time you access our website and the Internet address used to link to our website when you visit us.

We collect and use both personal information and non-identifying information about you. Personal information means information either on its own or in conjunction with other data that enables a specific person to be identified, but does not include “de-identified,” “anonymous,” or “aggregate” information, which is not associated with a specific person. Non-identifying information” means information that by itself cannot be used to identify a specific person (e.g., zip code, location information and individual preferences). You consent to our collection, transfer and storage of information by computers or other transfer or storage devices in the United States and elsewhere.

When?

This Privacy Statement was posted and last modified on November 1, 2018.

How?

This Privacy Statement applies to users of our regulated products and services, whether purchased through an authorized agent, from our website (www.sikacash.com) or through our SikaCash Money Transfer Application (the “App”). All financial companies need to share their customers’ personal information to run their everyday businesses. In the section below, we list the reasons why SikaCash shares its customers’ personal information and whether you can limit this sharing

Reasons why we share your personal information

Does SikaCash

Share?

Can you limit this

sharing?

For our everyday business purposes

such as: to process your transactions; maintain your account(s); respond to court orders and legal investigations; report to credit bureaus; gather information about website or App access, usage and performance; enhance your consumer experience; validate your creditworthiness or your identity; or as otherwise permitted or required by law

Yes

No

For our marketing purposes

such as to offer our products and services to you, or notify you about future events and promotions

Yes

Yes

For joint marketing with other financial companies

Yes

Yes

For our affiliates’ everyday business purposes

information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes

information about your creditworthiness

No

N/A (we don’t share)

For our affiliates to market to you

personal information may be used by SikaCash and its affiliates to deliver customized content and advertising to customers whose behavior indicates that they are interested in a particular subject area

Yes

Yes

For non-affiliates to market to you

certain information may be shared with third parties for marketing, advertising or other purposes, including the delivery of advertising campaigns and preparing and sharing aggregate business and marketing reports

Yes

Yes

To limit our sharing

OPT OUT RIGHT

If you prefer that we limit how we share your information as described above, you may opt out of certain sharing as follows:

·         Call 1-718-208-1880

·         Mail to:

 Africa Remittance Company, 2828 John F Kennedy Blvd, Suite 203, Jersey City NJ 07306

Note: Disclosures not subject to an opt-out choice include: disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers (including SikaCash agents); disclosures permitted or required by law; and disclosures to prevent fraud or other illegal activities.

Note for New Customers: If you are a new SikaCash customer, we can begin sharing your information 30 days from the date of your first transaction.

Note for Former Customers: When you are no longer a SikaCash customer, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

You may also contact us at any time to review and request changes to any of your personally

identifiable information.

Questions?

Call 1-718-208-1880

Who we are

Who is providing this notice?

Africa Remittance Company LLC dba SikaCash

What we do

How does SikaCash protect my personal information?

To help protect your personal information from unauthorized access and use, we endeavor to use reasonable security measures. These measures include physical, electronic and procedural safeguards such as computer safeguards and secured files and buildings. We also endeavor to limit personal information access to only employees, agents and representatives that need to know. Employees are trained on the importance of protecting privacy and on the proper access to, use and disclosure of customer information. Although we work hard to protect your personal information that we collect and store, no program is 100% secure and we cannot guarantee that our safeguards will prevent every unauthorized attempt to access, use or disclose personal information. SikaCash maintains security and incident response plans to handle incidents involving unauthorized access to private information we collect or store. If you become aware of a security issue, please contact us.

How does SikaCash collect my personal information

Why can’t I limit all sharing?

We collect your personal information, for example, when you:

• send or receive money, complete a payment or use or request other products or

services from us;

• register with us, submit information to us on applications or forms or otherwise give

us your contact information;

• provide us with your government issued ID;

• use your credit card, debit card, charge card or bank account to make payment;

• use our App or visit our online websites (for example, to complete a transaction,

manage your accounts, or provide your choices) either from a computer or mobile

device; or

• enter a promotion

We also collect information about you from a variety of sources, including without limitation,

computer systems; third party sources such as our business clients, government agencies, and other suppliers of information; and consumer reporting agencies.

Federal law gives you the right to limit only:

• sharing for affiliates’ everyday business purposes—information about your

creditworthiness;

• affiliates from using your information to market to you; and

• sharing for non-affiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing. For

details, see the "To limit our sharing" section.

Definitions

Affiliates

Companies related to SikaCash by common ownership or control. Affiliates can be financial and nonfinancial companies

Non Affiliates

Companies not related to SikaCash by common ownership or control. Non-affiliates can be financial or nonfinancial companies. For example, we may disclose information about current and former consumers and customers to third parties, including without limitation: financial service providers that offer our services; banks, credit card companies, brokerage houses, mortgage lenders, mortgage originators and other financial companies, including for Joint Marketing purposes; nonfinancial companies such as retailers, direct marketers, auto dealers, utility companies, membership clubs and other providers of goods and services; government agencies; and otherwise as permitted or required by law. We may also disclose information to companies that perform marketing services for us or other financial institutions with whom we have Joint Marketing arrangements.

Joint Marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.

Other Important Information

APP AND ONLINE ACTIVITIES

We do not honor any Web browser "do not track" signals or other mechanisms that provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services. In addition, other parties may collect personally identifiable information about your online activities over time and across different websites when you use our website or any of our services. We engage certain third parties who use mobile software development kits to passively collect information from our users of the App. This information may include personal information including your e-mail address. Depending on the permissions granted to by you on your mobile device, the information may also include precise location (i.e., GPS-level data), apps you have installed and enabled, and your mobile identifier. We use this data to help us deliver personalized notifications and to identify you in a unique manner across other devices or browsers for the purposes of customizing advertisements or content.

CHILDREN’S PRIVACY

Our website is not directed at children under the age of 13. SikaCash does not knowingly collect or maintain information at our website from persons under the age of 13

EXTERNAL WEBSITES

Our website may be linked to or from third party websites. SikaCash is not responsible for the content or privacy practices of websites that are linked to or from our website.

CHANGES

We reserve the right to modify this Privacy Statement and you are advised to review it periodically for changes. You can receive an updated Privacy Statement by calling us at 1-718-208-1880 or by visiting our website at www.sikacash.com.

Bank
Deposit
Mobile
Banking
Mobile
Top-Up
Money
Transfer