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Dernière mise à jour : 25/01/2024
KORI MONEY TRANSFER is committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by KORI MONEY TRANSFER.
This Privacy Policy applies to our website, and its associated subdomains (collectively, our “Service”) alongside our application, Kori Money transfer. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy and our Terms of Service.
1.What is personal data?
2.What Information Do We Collect?
3.Sensitive personal information
4.We will only collect, hold, or disclose Sensitive Information if:
5.Is the information collected through the KORI MONEY TRANSFER Service secure?
6.Do customers have Rights?
7.Cookies
8.Blocking and disabling cookies and similar technologies
9.Kids' Privacy
10.How Do We Use the information We Collect?
11.Marketing and Promotions
12.Disclosure of Personal Data
13.Transfer of Personal Data
14.How Long Do We Keep Your Information?
15.How Do We Protect Your Information?
16.Customer Feedback
17.Change in Terms and Conditions
1. What is personal data?
Any data that relates to an identifiable or identified individual. GDPR covers a broad spectrum of information that could be used on its own, or in combination with other pieces of information, to identify a person. Personal data extends beyond a person’s name or email address. Some examples include financial information, political opinions, genetic data, biometric data, IP addresses, physical address, sexual orientation, and ethnicity.
The Data Protection Principles include requirements such as:
2. What Information Do We Collect?
When accessing and using the Site and Services, we may request certain personally identifiable information ("Personal Data") from you. It is imperative that all Personal Data provided to us is accurate and complete. At any time, you can request access to your Personal Data held by us. Should there be any changes or inaccuracies in your Personal Data, you must promptly inform us or correct your Personal Data in your User Account.
We may gather, record, and utilize information about you in physical and electronic formats, processing this data in compliance with Privacy Laws and as outlined in this Policy. The personal information we collect and utilize may include, but is not limited to:
Your name;
Contact information such as email address, postal address, and telephone number (including any number used to contact our customer services);
Demographic data like age, education, gender, and interests;
Proof of identity (e.g., passport information);
Any correspondence or complaints addressed to us;
Unique identifiers such as username, account number, and password;
Profiles and posts on social media applications and services provided by us or made available to us by you;
Payment details and other financial data (e.g., bank or payment method provider's name, account number, and sort code);
Information regarding your website visit, including full Uniform Resource Locators (URLs), clickstream data, duration of visits to specific pages, page interaction details (e.g., scrolling, clicks, mouse-overs), and browsing methods used to leave the page. Additionally, we collect information from you regarding other individuals (e.g., recipients of your money transfers) if you provide us with such information. By providing this information, you confirm that you have obtained all necessary permissions from them for the reasonable use of their information as described in this Policy, or you are otherwise authorized to provide us with this information on their behalf. Please ensure that these individuals are aware of this notice, and that the provisions of this notice are clearly communicated to them.
3. Sensitive personal information
Certain information is classified as sensitive personal information, including details about a person's political opinions, philosophical or religious beliefs or affiliations, membership in political, trade, or professional associations or trade unions, sexual preferences or practices, criminal record, health or genetic information, biometric information used for biometric verification or identification, or biometric templates.
4. We will only collect, hold, or disclose Sensitive Information if:
You have provided consent; or Collection is required or authorized by Privacy Laws or a court/tribunal order.
How We Collect Your Personal Information
Information You Provide: We collect information you voluntarily provide when using our services, including any email correspondence you send us. This helps us enhance customer service and improve overall customer experience. Telephone calls made to and from our Contact Centre are recorded for quality, training, and monitoring purposes.
Your Communication with Us: We keep a record of your email correspondence with us to improve customer service and overall experience. Telephone calls to and from our Contact Centre are recorded for quality, training, and monitoring purposes.
Other Information You Provide: This includes data you provide by filling in forms on our website, contacting us by phone or email, participating in competitions, surveys, or questionnaires, or any other interaction. It may include your name and email address.
Social Media: Depending on your settings or privacy policies of social media platforms like Facebook, LinkedIn, and Instagram, you may give us permission to access information from those accounts.
Other Sources: We may receive information about you from publicly available databases or other sources, which helps us update and analyze our records and provide services that may interest you.
Information We Collect Automatically: We use cookies to improve website functionality and speed, and automatically collect certain information during your visits, such as browser type, ISP, referring/exit pages, operating system, and clickstream data.
Social Media Widgets: Our website includes interactive features like Facebook Like button and Twitter button, which may collect personal information according to the respective company's privacy policy.
Personal Information from Third Parties: If we receive personal information about you from sources other than yourself or another party, we assess whether it aligns with our privacy policy and applicable laws. If deemed appropriate, we handle it accordingly; otherwise, we either destroy or anonymize it.
Mobile App: When you download our mobile app, we collect device information like type, operating system, and performance data, and may send push notifications for updates or promotions. You can opt out of these notifications. We also use mobile analytics software to understand app functionality, but we don't link it to personally identifiable information.
5. Is the information collected through the KORI MONEY TRANSFER Service secure?
We take precautions to protect the security of your information. We have physical, electronic, and managerial procedures to help safeguard, prevent unauthorized access, maintain data security, and correctly use your information. However, neither people nor security systems are foolproof, including encryption systems. In addition, people can commit intentional crimes, make mistakes or fail to follow policies. Therefore, while we use reasonable efforts to protect your personal information, we cannot guarantee its absolute security. If applicable law imposes any non-disclaimable duty to protect your personal information, you agree that intentional misconduct will be the standards used to measure our compliance with that duty.
6. Do customers have Rights?
Customers have certain rights regarding their personal data.
7. Cookies
KORI MONEY TRANSFER uses "Cookies" to identify the areas of our website that you have visited. A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to enhance the performance and functionality of our website but are non-essential to their use. However, without these cookies, certain functionality like videos may become unavailable or you would be required to enter your login details every time you visit the website as we would not be able to remember that you had logged in previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies, you may not be able to access functionality on our website correctly or at all. We never place Personally Identifiable Information in Cookies.
8. Blocking and disabling cookies and similar technologies
Wherever you're located you may also set your browser to block cookies and similar technologies, but this action may block our essential cookies and prevent our website from functioning properly, and you may not be able to fully utilize all of its features and services. You should also be aware that you may also lose some saved information (e.g. saved login details, site preferences) if you block cookies on your browser. Different browsers make different controls available to you. Disabling a cookie or category of cookie does not delete the cookie from your browser, you will need to do this yourself from within your browser, you should visit your browser's help menu for more information.
9. Kids' Privacy
We do not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers
10. How Do We Use the information We Collect?
Fulfill the specific purpose for which it was provided, such as providing services according to our terms and conditions, account registration, and transaction fulfillment.
To Send confirmations.
Provide, maintain, and improve the Site and Services.
Notify you about changes to the Site and Services through various means.
Provide customer care and support.
Monitor usage of the Site and Services.
Detect, prevent, and address technical issues.
Detect and protect against illegal activity on the Site.
Enforce our terms and conditions.
Carry out other related or incidental purposes.
11. Marketing and Promotions
We may use your personal data to send marketing and promotional materials regarding our products and services. You can unsubscribe from these notifications by clicking the "unsubscribe" link in the relevant notification.
12. Disclosure of Personal Data
We work with third-party service providers to facilitate the provision of the Site and Services. While we may disclose your personal data to these service providers, such disclosure is limited to what is reasonably necessary and complies with applicable privacy laws. We take measures to ensure service providers don't disclose or misuse your personal data. We may also disclose personal data in good faith to comply with legal obligations, protect rights or property, prevent wrongdoing, or ensure personal safety.
13. Transfer of Personal Data
Your personal data may be transferred out of Canada for various reasons, including providing services or storing data on servers located outside Canada. By creating a User Account and using the Site or Services, you consent to such transfers. We take steps to ensure your personal data is processed in accordance with data protection laws. If personal data needs to be transferred to countries with less stringent data protection laws, your consent is implied by using the Site or Services.
14. How Long Do We Keep Your Information?
We keep your information only so long as we need it to provide KORI MONEY TRANSFER to you and fulfill the purposes described in this policy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we’ll either remove it from our systems or depersonalize it so that we can't identify you.
15. How Do We Protect Your Information?
We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) is never kept on file. We cannot, however, ensure or warrant the absolute security of any information you transmit to KORI MONEY TRANSFER or guarantee that your information on the Service may not be accessed, disclosed, altered, or destroyed by a breach of any of our physical, technical, or managerial safeguards.
You can contact our Data Protection Officer at privacy@korimt.com to:
Request access to or correction of your personal data.
Request information on how your personal data has been used or disclosed in the past year (subject to any reasonable fee we may charge). Please note that Canadian law allows us to refuse such requests under certain circumstances.
You may withdraw your consent to our collection, use, disclosure, storage, transfer, or processing of your personal data at any time. Upon doing so, we will cease all related activities and ensure that our data intermediaries and agents also stop collecting, using, or disclosing your personal data. Please be aware that this may impact our ability to provide some or all of our services to you.
16. Customer Feedback
For questions, feedback, or complaints, you can reach out to Kori Money Transfer via our customer service at Kori Money Transfer Support. Please provide identifying information such as your name, telephone number, unique identification number, and details of the transaction.
17. Change in Terms and Conditions
KORI MONEY TRANSFER reserves the right to modify the terms and conditions of this agreement periodically. The effective date of any changes will be noted as the date they are made unless specified otherwise.
What information is required for sending money internationally?
To send an international money transfer with Kori Money Transfer, you'll need to register first. You can do this on the website or via the Kori Money Transfer app on your Android or iOS device. The required details include personal information such as your full name, email address, mobile phone number, gender, birth date, and address. Additionally, you'll need to provide transfer details like the amount you wish to send abroad, the preferred method for the recipient to receive the money, and your chosen payment method. Our fees are transparent and displayed upfront, showing you the final amount you'll pay and the exact amount your recipient will receive. Receiver details are essential, including their full name, mobile number, and email address. Your recipient doesn't need to have a Kori Money Transfer account. Lastly, you'll need to provide payment details, which could be a bank account, debit card, or credit card.
What are the benefits of using Kori Money Transfer’s app and network to send money?
When sending money internationally, trust and security are paramount. At Kori Money Transfer, we prioritize your satisfaction and safety. We offer a 100% satisfaction guarantee, promising to refund your fees if you're not satisfied with your transfer. Our service is licensed and regulated by FINTRAC in Canada, ensuring compliance and security. You have the option to cancel your transfer if it hasn't been received yet by the recipient. We pride ourselves on transparency, with no hidden fees. All charges are disclosed upfront.
How much time does a money transfer typically take?
Currently, Kori Money Transfer processes payments only to Bangladesh. Depending on the chosen transfer method, the money can be sent within one day, offering options for same-day or instant transfers to a wallet or bank account.
How can I send money from CAD?
Sending money from CAD is simple with Kori Money Transfer. First, register for free online or through our app. Then, specify the amount you want to send and provide your recipient's bank or wallet account details. For cash pickup, include the recipient's contact number. Identity verification may be necessary, especially for large transfers, requiring a photo ID and selfie. Payment can be made via Direct debit, wire transfer, Interac e-transfer, or debit card. Once the transfer is complete, we handle the rest, and you can track it through your account.
What kind of verification is required for a money transfer?
Verification typically involves confirming your mobile phone number or email with an OTP. For larger transactions or subsequent transfers, you might need to provide ID proof and a selfie image to verify your identity. Verification usually takes about 6 minutes, with instant contact in case of delays.
Where can I send and receive money with Kori Money Transfer’s app and Network?
Currently, you can send money from Canada to our network, with plans to expand to more recipient countries soon.
How much can I send through Kori Money Transfer in a single transfer?
Once your identity verification is complete, you can send larger amounts in a single transfer. However, additional documents may be requested for extremely large transactions to verify the source of funds.
How do I track my transfers?
Easily monitor all your money transfers through your Kori Money Transfer account. Ensure you're signed up for email and SMS notifications. Your transfer history is conveniently displayed on the home screen of the app or website.
