Privacy Policy

1. Who We Are

Money Days Inc.

1143 Morningside Avenue, Unit 3
Scarborough, Ontario M1B 0A7
Canada

Phone: (647) 805-1143
Website: https://moneydays.ca/

For privacy-related questions, requests, or concerns, please contact us using the contact information above or the contact information provided in the “Contact Us About Privacy” section of this Policy.

2. What Is Personal Information?

For purposes of this Privacy Policy, “personal information” generally means information about an identifiable individual.

Depending on how you interact with Money Days, this may include:

• Your name
• Residential or mailing address
• Telephone number
• Email address
• Date of birth
• Identification information
• Information contained in government-issued identification
• Occupation or business information where required
• Transaction information
• Currency-exchange information
• Information relating to the source or purpose of a transaction where legally required
• Communications and correspondence with us
• Information submitted through website forms
• IP address and certain technical information
• Browser, device, and website usage information
• Information contained in requests, inquiries, complaints, or other communications

We do not necessarily collect all of these categories of information from every visitor or customer.

3. How We Collect Personal Information

We may collect personal information directly from you when you:

• Visit our location and conduct a currency-exchange transaction
• Contact us by telephone
• Contact us through our website
• Submit an inquiry or request
• Request information about our currency-exchange services
• Communicate with our employees
• Participate in a transaction or customer-service process
• Provide identification or other documentation where required by law
• Use our website

We may also collect limited information automatically when you use our website, including technical information such as IP address, browser type, device information, pages visited, and general website activity, depending on the technologies and services implemented on our website.

4. Why We Collect Personal Information

Money Days collects personal information only for purposes that are reasonable and appropriate for our business activities and applicable legal obligations.

We may use personal information to:

• Provide currency-exchange services
• Process and document transactions
• Verify customer identity
• Meet applicable identification requirements
• Maintain transaction records
• Respond to inquiries and requests
• Provide customer support
• Communicate with customers
• Confirm or clarify transaction information
• Prevent fraud and other unauthorized or unlawful activities
• Detect and manage potentially suspicious transactions
• Meet anti-money-laundering and anti-terrorist-financing obligations
• Meet FINTRAC reporting and record-keeping requirements
• Comply with applicable laws, regulations, court orders, and government requests
• Maintain and improve our website
• Understand website usage and performance
• Protect the security of our systems, business, employees, customers, and visitors
• Investigate complaints, disputes, or suspected violations
• Establish, exercise, or defend legal rights
• Carry out other purposes that are disclosed to you at the time information is collected or otherwise permitted or required by law

The Office of the Privacy Commissioner of Canada recognizes that organizations should identify the purposes for collecting personal information and limit collection, use, and disclosure to appropriate purposes.

5. Consent

Where required by applicable privacy law, Money Days will obtain meaningful consent before collecting, using, or disclosing personal information.

Depending on the circumstances, consent may be expressed or implied where permitted by law.

There are also circumstances where Money Days may collect, use, or disclose personal information without obtaining consent where permitted or required by applicable law.

For example, information may need to be collected, used, retained, or disclosed to comply with legal or regulatory requirements applicable to Money Services Businesses.

Where you provide personal information for a specific transaction or request, you understand that we may need to use that information to complete the transaction, maintain required records, meet regulatory requirements, and protect against fraud or unlawful activity.

6. Regulatory and FINTRAC Requirements

Money Days is a Money Services Business registered with FINTRAC.

As an MSB, Money Days may be required to collect, verify, document, retain, and report certain information relating to customers and transactions.

This may include information required for identification, transaction records, reporting, compliance monitoring, and other obligations established under applicable Canadian legislation and regulations.

FINTRAC guidance establishes record-keeping obligations for MSBs and states that certain records must be maintained for specified periods.

Accordingly, you may not be able to request deletion of information that Money Days is legally required to retain.

7. Information We May Collect for Currency Transactions

Depending on the nature and amount of a transaction and applicable legal requirements, we may need to collect information such as:

• Customer name
• Address
• Date of birth
• Identification details
• Occupation or business information
• Transaction amount
• Currency involved
• Date and time of transaction
• Transaction purpose or related information where required
• Information necessary to comply with applicable anti-money-laundering requirements

The specific information requested may vary depending on the transaction and applicable legal requirements.

We will not request personal information that is unnecessary for the applicable purpose unless there is a legitimate legal, regulatory, operational, or business reason for doing so.

8. How We Use Website Information

When you visit MoneyDays.ca, we may collect technical and usage information to help us:

• Operate the website
• Maintain website security
• Diagnose technical problems
• Improve website performance
• Understand how visitors use our website
• Improve our services and online experience
• Monitor website reliability

Where cookies, analytics tools, advertising technologies, or similar technologies are used, their operation and the information they collect will depend on the specific technologies implemented on our website.

9. Cookies and Similar Technologies

MoneyDays.ca may use cookies and similar technologies.

Cookies are small files or identifiers that may be stored on your device when you visit a website.

We may use cookies for purposes such as:

• Website functionality
• Security
• Remembering preferences
• Website analytics
• Performance monitoring
• Improving user experience

Some cookies may be provided by third-party service providers.

You can generally manage or disable cookies through your browser settings. Disabling certain cookies may affect the functionality of some parts of the website.

10. Disclosure of Personal Information

Money Days does not sell your personal information.

We may disclose personal information where reasonably necessary and permitted or required by law, including to:

• Service providers who assist us in operating our business or website
• Technology and hosting providers
• Website analytics or security providers, where applicable
• Professional advisers
• Financial institutions or other parties involved in a transaction, where applicable
• FINTRAC and other regulatory authorities
• Law-enforcement agencies
• Government authorities
• Courts or tribunals
• Legal advisers
• Fraud-prevention or compliance organizations
• Other parties where disclosure is required or authorized by applicable law

When we use third-party service providers to process personal information on our behalf, we take reasonable steps to ensure that appropriate privacy and security protections are in place.

Canadian privacy guidance recognizes that organizations may outsource processing but remain responsible for protecting personal information and taking reasonable steps to ensure third-party processors safeguard that information.

11. Retention of Personal Information

Money Days retains personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, provide services, resolve disputes, maintain business records, protect our legitimate interests, and comply with applicable legal and regulatory requirements.

Certain information relating to currency-exchange transactions may need to be retained for legally prescribed periods.

For example, FINTRAC's current guidance establishes specific record-keeping and retention requirements applicable to MSBs.

When personal information is no longer required and there is no legal or business reason to retain it, Money Days will take reasonable steps to securely dispose of or anonymize it.

12. Accuracy of Personal Information

Money Days takes reasonable steps to ensure that personal information in our custody or control is sufficiently accurate, complete, and current for the purposes for which it is used.

You may contact us if you believe that information we hold about you is inaccurate or incomplete.
Where appropriate, we will correct or update the information.

13. Access to Your Personal Information

Subject to applicable legal exceptions, you may request access to personal information that Money Days holds about you.

You may also request information about:

• The existence, use, and disclosure of your personal information
• The purposes for which your information was collected
• The source of the information, where applicable

Requests should be submitted using the contact information provided below.

We may need to verify your identity before processing an access request.

Certain information may be withheld where permitted or required by applicable law, including information subject to legal, regulatory, security, or other applicable exceptions.

Canadian privacy guidance recognizes individuals' rights to access personal information held by organizations, subject to applicable exceptions.

14. Withdrawal of Consent

Where Money Days relies on your consent to collect, use, or disclose personal information, you may withdraw that consent, subject to legal or contractual restrictions and reasonable notice.

Withdrawal of consent may affect our ability to provide certain services.

For example, where personal information is required to complete a transaction or satisfy a legal or regulatory requirement, withdrawing consent may not prevent MoneyDays from continuing to collect, use, or retain information where authorized or required by law.

15. Marketing Communications

If you provide consent to receive promotional or marketing communications from Money Days, we may use your contact information to send information about our services, updates, promotions, or other relevant communications.

You may unsubscribe from marketing communications at any time by following the unsubscribe instructions included in the communication or by contacting us.

Unsubscribing from marketing communications will not necessarily stop communications that are necessary for transactions, customer service, legal compliance, security, or other non-promotional purposes.

16. Children's Privacy

Our services are intended for individuals who are legally able to use the applicable services.

We do not knowingly seek to collect personal information from children through our website for purposes that are not appropriate or permitted by applicable law.

If you believe that a child has provided personal information to us improperly, please contact us so that we can assess the situation and take appropriate action.

17. Changes to This Privacy Policy

MoneyDays may update this Privacy Policy from time to time to reflect changes in our services, technology, legal requirements, regulatory requirements, or privacy practices.

When we make changes, we will update the “Last Updated” date at the top of this Policy.

Where required by applicable law, we will provide additional notice or obtain consent for material changes.

We encourage you to periodically review this Privacy Policy to stay informed about how we handle personal information.

18. Complaints

If you have a concern about how Money Days has handled your personal information, we encourage you to contact us first so that we can review and attempt to resolve the concern.

If you remain dissatisfied after contacting us, you may have the right to raise your concern with the applicable privacy oversight authority.

For organizations subject to Canada's federal private-sector privacy law, the Office of the Privacy Commissioner of Canada provides information concerning privacy rights and complaints.

19. Governing Privacy Requirements

Money Days will handle personal information in accordance with applicable Canadian privacy legislation and other applicable legal and regulatory requirements.

Depending on the circumstances, different federal or provincial privacy laws may apply to particular information, activities, or transactions.

Nothing in this Privacy Policy limits any rights or protections that cannot lawfully be excluded under applicable privacy legislation.

20. Contact Us About Privacy

If you have questions, concerns, or requests relating to this Privacy Policy or the handling of your personal information, please contact Money Days.

Money Days Inc.

1143 Morningside Avenue, Unit 3
Scarborough, Ontario M1B 0A7
Canada

Phone: (647) 805-1143
Website: https://moneydays.ca/

For privacy requests, please clearly state that your inquiry relates to Privacy / Personal Information.

We will make reasonable efforts to review and respond to privacy inquiries within the time required by applicable law.