Remesas.ca — Latino’s Market Ltd

1. About This Policy

Remesas.ca is operated by Latino’s Market Ltd, a registered money service business in Canada. We are committed to protecting the personal information of our clients in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).

This policy explains what personal information we collect, why we collect it, how we use and protect it, and your rights regarding your information.

2. Information We Collect

We collect personal information necessary to provide money transfer services and comply with Canadian federal regulations. This includes:

Identity information: full legal name, date of birth, address, phone number, and email address.

Government-issued identification: copies of ID documents such as a driver’s license, passport, or permanent resident card, as required for identity verification under PCMLTFA regulations.

Financial information: payment details necessary to process your transactions, including payment method and transaction amounts.

Transaction records: details of every money transfer you initiate, including sender and recipient information, amounts, currencies, exchange rates, and dates.

Device and usage information: IP address, browser type, device information, pages visited, and general geographic location (country/city), collected to improve our services, detect fraud, and ensure security.

Communications: messages exchanged through our in-app support chat, email correspondence, and any feedback you provide.

3. Why We Collect Your Information

We collect and use your personal information for the following purposes:

To provide money transfer services, including processing transactions, delivering funds to recipients, and generating payment links.

To verify your identity and comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) requirements under PCMLTFA.

To detect and prevent fraud, unauthorized transactions, and other illegal activities.

To communicate with you about your transactions, including order confirmations, payment reminders, and delivery notifications.

To provide customer support through our in-app chat and email.

To improve our services, including analyzing usage patterns and optimizing performance.

To comply with legal obligations, including record-keeping requirements mandated by FINTRAC.

4. How We Share Your Information

We do not sell your personal information. We share it only as necessary to provide our services and meet our legal obligations:

Payment processors: to facilitate Interac e-Transfer and PayPal transactions on your behalf.

Banking partners: to process fund transfers and comply with banking compliance requirements.

Foreign exchange providers: to complete international money transfers to your designated recipients.

Regulatory authorities: we report to FINTRAC as required by law, including suspicious transaction reports and large cash transaction reports.

Service providers: we use third-party technology providers for hosting, data storage, email delivery, and geolocation services. These providers process data on our behalf under contractual obligations to protect your information.

Law enforcement: when required by law, court order, or regulatory request.

5. How We Protect Your Information

We implement appropriate technical and organizational measures to protect your personal information, including encryption of data in transit and at rest, secure authentication mechanisms, role-based access controls, and regular security reviews of our systems.

Access to personal information is restricted to authorized personnel who require it to perform their duties.

6. How Long We Keep Your Information

We retain your personal information for as long as necessary to provide our services and fulfill our legal obligations. Under PCMLTFA, we are required to retain transaction records and identity verification documents for a minimum of five years from the date the transaction was completed or the business relationship ended.

After the retention period expires, your information is securely deleted or anonymized.

7. Your Rights

Under PIPEDA, you have the right to:

Access the personal information we hold about you.

Request correction of any inaccurate or incomplete information.

Withdraw your consent for the collection or use of your information, subject to legal and contractual restrictions. Please note that withdrawing consent may affect our ability to provide services to you.

File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated.

To exercise any of these rights, contact us using the information provided below.

8. Cookies and Tracking

Our website uses essential cookies required for authentication and session management. We use general geolocation data (country and city level, not precise location) to improve security and detect potentially fraudulent activity. We do not use advertising cookies or sell data to advertisers.

9. Changes to This Policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website with a revised effective date.

10. Contact Us

If you have questions about this privacy policy or how we handle your personal information:

Email: [email protected]