PRIVACY POLICY

Last updated February 4, 2025

1. Introduction and Scope of Privacy Policy Notice

This Privacy Notice applies to your use of the CHEQUE EXPRESS Inc. online platforms (including websites, mobile applications, and related services). It describes how we collect, use, and share your personal information, as well as how we handle your data from third-party interactions.

2. Agreement to Privacy Notice

By using the websites, applications, or engaging with our advertisements, you agree to the terms outlined in this Privacy Notice.

3. Collection of Personal and Other Information

We collect the following types of information:

- Personal information: Name, Email, Phone number, Gender, Date of Birth, Address.

- Identity verification information: Photo, Government-issued IDs.

4. Access to Additional Information

- Location: We use your location to only show our nearby stores. We do not store this location information anywhere. This functionality is only provided after you give permission to use your location data.

- Biometrics: If you consent to enable biometric verification, we will be using this feature to allow you to login and use the application. We do not store any biometric information on our systems.

5. Retention of Data

We keep your personal and transactional information for the duration of your usage of our services, plus an additional 10 years, unless we need to keep it longer due to regulatory or compliance requirements, as required by the law. You can request to view, update, or delete your information, unless we are required to retain any such data due to compliance and regulatory requirements.

6. Use of Information

We use your information for the following purposes:

- Providing requested services.

- Responding to your inquiries.

- Marketing communications.

- Verifying your identity for fraud prevention and security.

- Complying with legal and regulatory requirements.

- Conducting business analyses and improving services.

7. Sharing Personal Information

We do not sell your information to third parties. However, we may share your personal information with:

- service providers to support business operations such as transactions, marketing, analytics, and customer service.

- legal authorities when required by law or to protect against fraud or unauthorized activities.

8. Data Security

We take protection of our customers information seriously. We use industry-standard encryption and security measures to safeguard your data, including:

- Secure encryption for data transmission.

- Mult-factor authentication option for account access.

- Regular monitoring and service reviews.

9. SMS Alerts

What are Cheque Express Mobile Alerts?

Cheque Express Mobile Alerts are text messages sent to mobile devices via Short Message Service (SMS). Users must be opted-in to receive promotional and/or transactional text messages.

How do I opt-in to Cheque Express Mobile Alerts?

We will send a verification code to verify your phone number at the time of registration. By entering your phone number, you agree to receive text messages from Cheque Express. If you are a store customer, you may be given the option to receive text messages from Cheque Express when you are a new customer enrolling with Cheque Express. You can reply “STOP” to unsubscribe.

What is the cost for the Cheque Express Mobile Alerts service?

There is no charge for Cheque Express Mobile Alerts. However, message and data rates may apply. Check your cell phone carrier for text message details on your plan. Carriers are not liable for delayed or undelivered messages.

How do I stop receiving Cheque Express Mobile Alerts?

To opt-out of receiving text messages from Cheque Express, reply STOP or request an associate at one of our store locations.

10. Children's Privacy

CHEQUE EXPRESS Inc. services and applications are not intended for individuals under the age of 18. We do not knowingly collect data from children under 18. If we become aware of such data collection, we will take all necessary steps to delete it.

11. Modifications to Privacy Notice

We may update this Privacy Notice from time to time. All changes will be posted on this page, and your continued use of the application signifies your acceptance of the updated terms.

12. Concerns and Complaints

If you have concerns or complaints about this Notice, the collection or use of your information or a possible breach of your privacy, please send such concern or complaint to info@chequeexpress.com. We will treat your concerns and complaints confidentially. Our representative will contact you within a reasonable time after receiving your concern or complaint.