Privacy Policy

At Nefer Remittance Limited, we are committed to protecting the accuracy, confidentiality, and security of your personal information. This Privacy Policy explains what information we collect, how we use it, who we share it with, and the choices available to you.

By accessing or using our website, mobile application, or services, you acknowledge that you have read and accepted this Privacy Policy.

You may withdraw your consent at any time. However, doing so may limit or prevent your access to certain services.

By voluntarily providing your personal information, you consent to its collection, use, storage, and disclosure in accordance with this Privacy Policy. You also acknowledge that your information may:

• Be transferred to Nefer Remittance offices and secure servers.
• Be processed by authorized third-party service providers.
• Be disclosed where required to law enforcement or national security authorities.

This Privacy Policy is developed in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

Nefer Remittance follows the ten principles established under PIPEDA.

• Accountability
• Identifying Purposes
• Consent
• Limiting Collection
• Limiting Use, Disclosure & Retention
• Accuracy
• Safeguards
• Openness
• Individual Access
• Challenging Compliance

Nefer Remittance is responsible for all personal information under its control, including information processed by authorized third parties.

To ensure compliance, we:

• Maintain procedures for protecting customer information.
• Respond to customer complaints and privacy inquiries.
• Train employees on privacy and security responsibilities.
• Regularly review and improve our privacy practices.

We collect and process your information for legitimate business, regulatory, and operational purposes, including:

• Complying with FINTRAC and Anti-Money Laundering regulations.
• Providing and maintaining our services.
• Creating and managing your account.
• Processing requested transactions.
• Verifying your identity.
• Communicating important service updates.
• Providing customer support.
• Sending marketing communications (where consent has been given).
• Improving our products and user experience.
• Supporting mergers, acquisitions, or business restructuring where applicable.

The information we collect depends on how you interact with our services.

To comply with regulatory requirements, we may collect:

• Government-issued identification
• National identification numbers
• Passport or driver's licence
• Live facial verification
• Employment information
• Source of income
• Source of wealth

Our services are intended only for individuals who are 18 years of age or older.

We do not knowingly collect or process personal information belonging to anyone under 18 years old.

If we discover that information has been submitted by a minor, we may:

• Reject the application.
• Suspend or close the account.
• Permanently delete the information.

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law.

You may withdraw your consent at any time. However, doing so may affect your ability to continue using our services.

If you have subscribed to marketing communications, you may opt out at any time by contacting our support team.

We only collect information that is necessary to:

• Verify your identity.
• Process your transactions.
• Provide customer support.
• Meet legal and regulatory obligations.
• Improve our services.

We never collect personal information indiscriminately or through unlawful means.

Your information is used only for the purposes for which it was collected, unless:

• You provide additional consent.
• Disclosure is required by law.

We retain personal information only for as long as necessary to:

• Meet legal obligations.
• Resolve disputes.
• Prevent fraud.
• Enforce our agreements.

We strive to ensure your personal information remains accurate, complete, and up to date.

You are encouraged to notify us whenever your personal information changes.

Protecting your information is one of our highest priorities.

Our security measures include:

• Secure encrypted servers
• SSL encryption
• Restricted employee access
• Network security controls
• Continuous monitoring
• Industry-standard security practices

Please note that payment card information is not stored on our servers.

Our privacy practices are publicly available through our website and are designed to be transparent and easy to understand.

You may request:

• Access to your personal information.
• Correction of inaccurate information.
• Details about how your information is used.
• Information about who it has been shared with, where legally permitted.

Some requests may be limited where required by law or security obligations.

If you have concerns regarding our privacy practices, you may submit a complaint.

You can contact us through:

• Website: usenefer.com
• Phone: +1 (551) 396 0308
• Email: [email protected]

Your personal information may be processed or stored outside your province or country.

Where this occurs, we implement appropriate safeguards to ensure your information remains protected in accordance with applicable privacy laws.

We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations, or regulatory requirements.

Any revised version will be published on our website and mobile application.

Where required by law, we will notify you before material changes become effective.

Your continued use of our services after an update constitutes acceptance of the revised Privacy Policy.