PRIVACY POLICY OF INCOMM CANADA PREPAID, INC.

InComm Canada Prepaid, Inc., ("we", "us" and "our") respects your concerns about privacy and values the relationship we have with you. This Privacy Policy describes how we treat personal information we collect on the websites where this policy appears. This includes our mobile websites and apps where this policy appears.

Certain of our platforms may also contain a privacy policy of a financial institution servicing one or more of our products. To learn about the privacy practices of these institutions (which may differ from our privacy practices), please refer to the institution’s policy.

We may link to third party sites or services we don't control. If you click on one of those links, you will be taken to websites or apps we do not control. This policy does not apply to the privacy practices of those websites or apps. Read the privacy policy of other websites and services carefully. We are not responsible for these third party sites or services.

Information We May Collect

To provide you with access to products and services that you have requested, or information about other products or services we think might interest you (if you have consented to receive such information), to process transactions associated with our products and services (such as to transfer funds), to provide you with customer service related to our products and services, to determine your eligibility for our products or services, and to fulfill legal and regulatory requirements, we may collect the following types of personal information about you: 

• Information we get from you when you use our products or services, in writing, by telephone, electronically or by any other means, such as your name, address, telephone number, social insurance number, driver's license number, passport number, email address, and/or date of birth.
• Information about your transactions with us or others, such as the amount of value you have remaining on your stored value card, your spending and payment history, and dispute or claim requests. We also might collect your card's confirmation number and serial numbers including for card activation or redemption purposes.
• Information about your payment and billing information, such as your credit card number and postal code if you buy a gift card or other products or services. We might also collect your gift card or loyalty card number and pin number.
• Information you submit or post. If you post content, we will collect the information you provide to us. We also collect information when you contact us or if you apply for a job online. This might include your work history.
• Other information. If you use our website, we may collect information about the browser you're using. We might look at what site you came from, or what site you visit when you leave us.

We may also collect and use personal information for other purposes with your consent or as permitted or required by law.

Any personal information you provide to us must be true, accurate, non-misleading and consistent and relevant for the purpose for which you are providing the information.Cookies and Other Tracking Technologies

We also collect information through technology to understand how visitors navigate our websites and to make our websites more interesting and useful to you. For instance, when you visit one of our websites, we collect your IP address. An IP address is associated with the access point through which you enter the Internet, and is typically controlled by your Internet Service Provider (ISP), company, school or university.

We may use IP addresses to determine which country you are located in and direct you to the correct version of our website.

Our websites also collect information through a variety of technical methods, including cookies and web beacons. Cookies are pieces of information that a website sends to your computer while you are viewing the website. Web beacons are small pieces of data that are embedded in images on the pages of websites.

Cookies, web beacons and other technical methods may involve the transmission of information either directly to us or to another party authorized by us to collect information on our behalf.

You may be able to set your browser to refuse cookies or to notify you when a cookie is set. If you refuse cookies, you may not be able to access all features of our website.

Information We May Share

We may disclose information to third parties in the following circumstances:

• To prepaid card or other account issuers to facilitate the processing of funds transfer requests;
• To service providers (including affiliates acting in this capacity) who work with us or on our behalf to provide products or services to you, assist us in marketing our products or services, and process or service a product, service or transaction that you requested or authorized;
• To respond to a subpoena, court order or judicial process; to our regulators and auditors; to protect against or prevent fraud, manage risk, or resolve customer disputes;
• To exercise our legal rights or defend against legal claims;
• To parties connected with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets, for the purposes of evaluating and/or performing the proposed transaction. Our assignees or successors may use and disclose your personal information for similar purposes as those described in this Privacy Policy;
• To a third party to whom you specifically authorize us to share the information; or
• To third parties as required or permitted by law.

Some of our service providers (including affiliates acting in this capacity) may be located outside of Canada, including in the United States, where local laws may permit government, regulatory and national security authorities to access personal information in certain circumstances. Your personal information may be transferred, and stored and processed by our service providers in Canada or outside of Canada for the purposes described in this Privacy Policy. These service providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or to comply with applicable Canadian and foreign legal requirements, including requirements to disclose personal information to governmental authorities in certain circumstances.

Consent

Generally, by providing us with personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes described in this Privacy Policy, if applicable, or otherwise at the time of collection. You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. Notethat if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services.

Our Security Procedures

We may establish and maintain a file of your personal information for the purposes described above, which will be accessible at our offices. We permit access to the file containing personal information about you only to those employees, agents and mandataries who we think need to know that information to provide products or services to you. We maintain commercially reasonable physical, electronic and procedural safeguards to guard personal information about you against loss or theft or unauthorized access, use, modification, copying or disclosure. Although we will use reasonable efforts to safeguard the confidentiality of personal information about you, no system connected to the Internet can be guaranteed to be 100% secure nor can transmissions made by means of the Internet be made absolutely secure, and we will have no liability for disclosure of information due to errors in transmission or unauthorized acts of third parties.

Our Commitment to Children’s Privacy

We respect the privacy of children and encourage all parents to supervise their children’s computer usage.

We do not knowingly collect or retain personal information from children under the age of thirteen.

Privacy Policy Changes

We reserve the right to revise and update this Privacy Policy at any time. Any such revisions will be effective on the date of posting to our website and will apply to all personal information collected by us both prior to and following the effective date. We encourage you to visit our website frequently to obtain a current copy of this Privacy Policy. Your continued provision of personal information or use of our products, services or websites following any changes to this Privacy Policy constitutes your acceptance of any such changes. This Privacy Policy is effective as of January 1, 2016.

For More Information or to Request Access or Correction

If you have any questions about our Privacy Policy, or would like to request access to or correction of your personal information in our custody or control, you may contact us as described below (access requests must be made in writing). Your right to access or correct your personal information is subject to applicable legal restrictions and we may decline to process requests that are unreasonably repetitive, may jeopardize the privacy of others or where otherwise permitted or required by applicable law. We may take reasonable steps to verify your identity before granting access or making corrections.

Contact us by writing to:

InComm Canada Prepaid, Inc.
7235 Bellshire Gate
PO Box 88042 Levi Creek
Mississauga, Ont
L5N 8M1
Or by calling us at 1-855-467-8409

List of cookies we collect

The table below lists the cookies we may collect today or in the future and what information they store.