Privacy Policy
Last updated: 1 June 2026
This policy explains what personal information Express Remit Inc. collects, why we collect it, how we use and protect it, and the choices you have. We handle personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
- What we collect
- How we use it
- When we share it
- How long we keep it
- How we protect it
- Your rights
- Cross-border processing
- Cookies
- Changes
- Contact our Privacy Officer
1. Information we collect
- Identity & contact information — your name, date of birth, address, email, phone number, and government-issued identification, which we are legally required to collect and verify.
- Transaction information — details of the transfers you make, including amounts, currencies, recipients, and payout methods.
- Recipient information — information about the people or businesses you pay, which you provide to us.
- Device & usage information — technical data such as IP address, device identifiers, and how you interact with our app and website.
2. How we use your information
We use your personal information to:
- provide and operate the money-transfer and payment services you request;
- verify your identity and meet our legal obligations as a money services business, including anti-money-laundering and counter-terrorist-financing requirements;
- detect, prevent, and investigate fraud and other prohibited activity;
- provide customer support and communicate with you about your account; and
- improve the safety, reliability, and quality of our services.
3. When we share your information
We do not sell your personal information. We share it only as needed to deliver our services and meet our obligations, including with:
- Payout partners and financial institutions required to complete your transfer;
- Service providers that support identity verification, fraud prevention, and technology infrastructure, under contractual confidentiality obligations;
- Regulators and authorities, including FINTRAC, where reporting or disclosure is required by law.
4. How long we keep it
We retain personal information for as long as your account is active and for the periods required by law. As a regulated money services business, we are required to keep certain records — including identity and transaction records — for a minimum period set by FINTRAC regulations, generally at least five years after a transaction or the end of the business relationship.
5. How we protect it
We use technical and organizational safeguards — including encryption in transit, access controls, and monitoring — designed to protect personal information against unauthorized access, loss, or misuse. No system is perfectly secure, so we also rely on you to keep your credentials and device safe.
6. Your rights
Subject to legal limits, you may ask to access the personal information we hold about you and to correct it if it is inaccurate. Some information must be retained to meet our legal obligations and cannot be deleted on request. To exercise your rights, contact our Privacy Officer below.
7. Cross-border processing
Because cross-border payments involve partners and infrastructure in other countries, your information may be processed or stored outside Canada and may be subject to the laws of those jurisdictions. We take steps to ensure your information is handled consistently with this policy.
8. Cookies
Our website uses a small number of cookies and similar technologies to operate the site, remember preferences, and understand usage. You can control cookies through your browser settings; disabling some cookies may affect how the site works.
9. Changes to this policy
We may update this policy from time to time. We will post the updated version here and revise the "last updated" date above.
10. Contact our Privacy Officer
For privacy questions or requests, email hello@expressremit.ca and mark your message for the attention of the Privacy Officer.