Privacy Policy

Cowris Technologies

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 non-public Personal Information:
  • Personal and financial Information you give us as a result of using our service, such as but not limited to your name. username, postal address, e-mail address, date of birth, telephone number, all or part of your Social Insurance number, bank account number, bank account information including routing number, credit/debit card number, with expiration date and cvv code. Under certain circumstances such as required compliance with applicable laws and regulations, we will also collect and save information obtained from scanned copies of official identification documents, including your Passport or Drivers’ License, and (ii) your picture, video/audio recording, or other evidence of yourself with your identification documentation (will we use biometrics?).
  • Third party Personal Information you provide in order for us to facilitate funds transfers, such as but not limited your recipient’s full name, postal address, email address, and phone number. However, we will not contact your recipients except as instructed by you or as required to complete a transaction. This information is only used for the sole purpose of completing your request or for the legitimate business reason it may have been provided.
  • Information about your usage of our service, including your transaction history, and how and to whom you use our service to send or receive money.
  • Information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies.
  • Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing our service, your IP address, and the pages you access on this website, and other websites that you visit prior to accessing the Service.
  • Geolocation data. Depending on your device and settings, we collect the location of the device on which you install our app or access our website.
  • Audio or electronic information. Records of your communications with us (for example, we record all calls to our call center, and keep copies of the contents of your correspondence with us on our website, app, chat features, and other channels).
Technologies such as: cookies, beacons, tags and scripts are used by Cowris. and our marketing, analytics and risk partners or affiliates. These technologies are used in analyzing trends, administering the site, tracking users’ movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis. We use cookies for site functionality, remembering user’s settings (e.g., source & destination country), and for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies some features or areas of our site will be limited. As is true of most web sites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve the services we offer you. We partner with a third party to manage our advertising on other sites. Our third-party partners may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Why We Collect Information

We collect Personal and Non-Personal information for but not limited to the following purposes: 

  1. To process your transactions.
  2. To verify your identity.
  3. To collect payment for your use of our service.
  4. To track, improve and personalise our services, content and advertising
  5. To troubleshoot problems with our service.
  6. To comply with applicable laws and regulations, such as those relating to “know-your-customer,” terrorist financing, anti-money laundering and to comply with other legal obligations.
  7. To detect, prevent, and investigate fraud and/or other misuse (in violation of our Terms and Services) or illegal uses of the Service.
  8. To create an account connection between your Cowris account and a third-party account or platform (such as your online bank account);
  9. To send you marketing notices, service updates, and promotional offers.
  10. To collect survey information that will be used to monitor or improve the use of our service and overall customer satisfaction.

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 will retain your information for as long as your account is active or as needed to provide you Service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

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

We will share your Personal Information with third parties only in the ways that are described in this privacy policy. We do not sell or rent your personal information that we collect to third parties for their promotional purposes. These companies are authorized to use your personally identifiable information only as necessary to provide these services to us.

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 authorising 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 authorise 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 access within a reasonable timeframe.

Security

We employ industry accepted standards and best practices in protecting the information you submit to us on our website. We have put in place SSL (Secure Socket Layer) encryption technology to protect your sensitive information such as bank account number, credit or debit card number, date of birth, and Social Insurance Number, transmitted through our website. We also require a username and password from each user who wants to access their information on our website. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security. 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 on 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.

Referrals

If you choose to use our referral service to tell a friend, family member, or other personal connection about our site, we will ask you for their name and email address. We will automatically send your referral email and at most one reminder email inviting him or her to visit the site. Cowris stores this information for the sole purpose of sending this email and tracking the success of your referral.

Your referral may request that we remove this information from our database.

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

Contact

You can contact us with any questions or concerns at: Cowris via email at help@cowris.com or by phone at +1(1866) 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.