Privacy policy

Questions about your data? Email help@cowris.com.

This Policy is drafted in the English language and translations may be provided in other languages. You agree that the English version of the Policy will control in the event of any inconsistency between the English and translated versions in any dispute related to this Policy.

Cowris Technologies is serious about protecting your privacy. This Policy covers how Cowris collects and uses your Personally Identifiable Information (aka “PII” or “Personal Data” or “Personal Information”) you provide on our website and in conjunction with any of the services hosted at www.cowris.com (“Service” and “Website”), including money transfer services accessed by internet-enabled devices. It also describes the choices available to you regarding our use of your Personal Information and how you can access and update this information.

This Policy explains what Personal Information we collect about you, with whom we share it, and how you can elect in certain situations to not share information with third parties. “Personal Identifiable Information” refers to information which by itself or in combination with other information such as name and email that can be linked or linkable to an individual.

We may amend this Policy at any time, and whenever we do so we will notify you by posting a revised version on our website. If, however, we plan to make a material change in the way we collect, use, share, or store your Personal Information, we will provide prior notice on our website, and by email. You will then have the chance to decide whether or not we will use or disclose your information in that new manner, whether through an “opt-out” procedure or by ending your relationship with us. Such changes will become effective, at the earliest, 30 days after the date of the email notifications.

We ask that minors refrain from using our Service or submitting any Personal Information to us. Minors (those under the age of 18 years) are not eligible to use our Service.

If you have questions or concerns regarding this Policy, you should email us at info@cowris.com.

Information We Collect

We will collect the following information about you, which may include but is not limited to non-public Personal Information:

Personal and financial information you provide, such as name, username, postal address, email address, date of birth, phone number, Social Insurance number, bank account details, and credit/debit card details.
Third-party Personal Information you provide, such as recipient's name, address, email, and phone number.
Usage data including transaction history and how you use our services.
Information from third-party sources like identity verification services and credit reporting agencies.
Technical information such as IP address, device details, and browsing history.
Geolocation data, depending on your device and settings.
Audio or electronic records, including recorded customer service calls and chat interactions.

Technologies such as cookies, beacons, tags, and scripts are used by Cowris and our partners for analytics, marketing, and site functionality.

We use cookies for site functionality, remembering user settings, and authentication. You can control cookie settings at the browser level, but rejecting cookies may limit site features.

Essential (strictly necessary) cookies on this site:

Zoho PageSense: site analytics and heatmaps. They show us how visitors use the site. This loads for every visitor, whatever they choose on the cookie notice.
Zoho SalesIQ: live chat with our support team. This also loads for every visitor.

We may collect log data including IP addresses, browser type, ISP, referring/exit pages, and timestamps for security and analytics purposes.

Why We Collect Information

To process transactions.
To verify your identity.
To collect payment for services.
To track, improve, and personalize our services.
To troubleshoot service issues.
To comply with laws and regulations.
To detect and prevent fraud or misuse.
To create account connections with third-party platforms.

International Transfers

We transfer, store, and process your personal data in the United States and other international jurisdictions to provide you the service and perform its obligations under this and related agreements. The applicable privacy laws of those other international jurisdictions may differ from those in Canada.

How Long We Keep Personal Information

We retain personal data for as long as necessary to provide the services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations. To dispose of personal data, we may anonymize it, delete it or take other appropriate steps. Data may persist in copies made for backup and business continuity purposes for additional time.

How We Share Information with Others

Nevertheless, we may share information about you (including nonpublic, Personal Information) with:

1. Third-party service providers under contract with Cowris that help us with our business operations, such as transaction processing, fraud detection, prevention and investigation, marketing, market research, and validation of information provided. These third parties are prohibited from using your information for their own separate business purposes.
2. In the event of the sale, acquisition or merger of some or all of our assets, your Personal Information might be a part of the transferred assets. We shall notify you in the event of such an occurrence, as well as any choices you may have regarding your Personal Information, by placing a notice on our website.
3. Law enforcement, government officials or other third parties, but only
- • in connection with a formal request, subpoena from a court of competent jurisdiction, court order, or similar legal procedure; and,
- • when we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement.
4. Other third parties that you consent or direct, which may include you authorizing an account linking for a third-party service, account and/or platform.
- • For the purposes of this privacy policy, an "account linking" with such a third party is a connection you authorize or enable between your Cowris account and a non-Cowris account, payment instrument, or platform that you lawfully control or own. When you authorize such a connection, Cowris and the third-party will exchange your personal information and other information directly. Examples of account connections include: connecting your Cowris account to a third-party data aggregation or financial services company, if you provide such company with your account log-in credentials;
- • If you connect your Cowris account to other banking or similar accounts, directly or through a third-party service provider, we may have access to your account balance and account and transactional information, such as purchases and funds transfers. If you choose to create an account linkage, we may receive information from the third-party about you and your use of the third-party’s service. We will use all such information that we receive from a third-party via an account connection in a manner consistent with this privacy policy.
- • Information that we share with a third-party based on an account connection will be used and disclosed in accordance with the third-party’s privacy practices. Before authorizing an account connection, you should review the privacy notice of any third-party that will gain access to your personal information as part of the account connection.

Access To Your Information

You can access, modify, delete, correct or update your Personal Information submitted on our Website by logging into your account and changing your preferences, by emailing us at info@cowris.com, or by contacting us by telephone at the contact information listed below. We will respond to your request to exercise your data subject access rights within the timeframe required by the applicable data privacy law.

Data Security Practices

Cowris takes Information Security seriously. We leverage appropriate industry frameworks, guidance, and practices to guide our implementation efforts through reasonable technical, physical, and administrative controls that help safeguard our systems and the customer data we collect and maintain. In the event of a data breach, Cowris adheres to incident reporting and data breach notification requirements to appropriate State, Federal, and/or international authorities and/or data subjects, as required by applicable laws and in compliance with time frames established and remedies set forth by such laws. We also recommend that our customers take steps to protect the security of their own information, for example by not re-using their passwords across multiple websites or using less secure passwords, and by not providing account information such as usernames and passwords over the phone or by e-mail. If you have any questions about security on our Web site, you can contact us at info@cowris.com.

• You may opt-out from promotional emails to you by selecting the “Unsubscribe” function present in each promotional email we send you. As we are required to contact you in certain occasions, such as to provide confirmation of a transaction, changes in account details, or to verify your identity, you may not opt-out of all emails.

Links to 3rd Party Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of Cowris. If you submit Personal Information to any of those sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Web site you visit.

Chat

We use a chat feature to answer questions about our service and assist you with our website's functionality. If our chat feature is offline, we will collect your name and email address so that we may reply to your request.

Social Media Widgets

Our Web site may include Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

Import Contacts

You can import contacts from your mobile phone, Gmail, and/or Yahoo Mail to invite them to become members of our site. We do not collect the username and password for the email account you wish to import your contacts from as you provide it directly to Gmail, Yahoo, or other service provider and after your approval they send us your email contacts. At your instruction, we will send at most one email invite.

Complaints

If you have a complaint regarding our handling of your personal information, email help@cowris.com or contact Cowris Customer Service online or by phone at the numbers below.

Contact Us

You can contact us with any questions or concerns at: Cowris via email at help@cowris.com or by phone at Company: +1 289 312 0954; Toll free: +1 866 701 3614.

Copyright Notice

Copyright © 2024 Cowris Technologies. All rights reserved. All text, images, graphics, animation, videos, music, sounds and other materials on this site are subject to the copyrights and other intellectual property rights of Cowris, its affiliated companies and its licensors. Cowris owns the copyrights in the selection, coordination and arrangement of the materials on this site. These materials may not be copied for commercial use or distribution, nor may these materials be modified or reposted to other sites.