Interac e-Transfer Privacy Policy
1.1 Introduction
Acxsys is committed to protecting both the privacy and confidentiality of your personal information. In order to operate the Interac e-Transfer service, in accordance with Federal Law, and to reduce the risk of fraud, Acxsys asks you to provide us information about yourself and about your bank account. We use this information only in accordance with this policy.
1.2 Information We Collect
To deposit an Interac e-Transfer you first register with Acxsys.
PERSONAL INFORMATION:
Acxsys is committed to protecting both the privacy and confidentiality of your personal information. In order to operate the Interac e-Transfer service, in accordance with Federal Law, and to reduce the risk of fraud, Acxsys asks you to provide us information about yourself and about your bank account. We use this information only in accordance with this policy.
ACCOUNT INFORMATION:
In order to deposit your Interac e-Transfer, Acxsys asks you to provide the account number, transit number and institution number for the bank account where the funds are to be deposited. This information is used by Acxsys and Acxsys’ agent bank to deliver the funds to your account.
IDENTIFICATION NUMBER:
To further protect against fraud, Acxsys asks you to provide one piece of identification. At this time, Acxsys will accept a Canadian social insurance number or a credit card number. If you provide a credit card number, Acxsys also asks you to provide your billing information. This information is kept in the strictest of confidence and is used solely to verify your personal information. Acxsys will not bill your credit card. Acxsys uses your identification number only for verification purposes as described in this section under the heading: Information from Third Parties.
TRANSACTION INFORMATION:
Acxsys tracks each Interac e-Transfer sent or received through its network. This information includes the payment amount, expiry date of the Interac e-Transfer, name of the originating financial institution, current payment status and status history of the payment. For the Sender, Acxsys records a name, email address and, if provided, a telephone number. For the Recipient, Acxsys records a name and either an email address or a telephone number, or both an email address and a telephone number (if both are provided). Acxsys also records all messages associated with the transfer.
INFORMATION FROM THIRD PARTIES:
To protect all users against potential fraud, we use third parties to verify the information you provide. In the course of this verification, we receive personally identifiable information about you from such services. In particular, if you provide credit card information, we will use authorization and fraud screening services of third parties to verify that your card information and address match the information that you supplied to Acxsys and confirm that the card has not been reported lost or stolen.
INFORMATION AUTOMATICALLY COLLECTED:
Like many Web Sites, the Interac e-Transfer site automatically collects non-identifiable information regarding Internet visitors, such as the Internet Protocol (IP) address of your Web enabled device, the IP address of your Internet Service Provider, the date and time you access the Interac e-Transfer site, the Internet address of the Web Site from which you linked directly to the Interac e-Transfer site, the operating system your Web enabled device is using, the sections of the Interac e-Transfer site that you visit, the Web Site pages read, and images viewed, and the content you download from the Web Site. Acxsys uses this non-identifiable information for Internet and system administration purposes, to prevent and investigate fraud and to optimize user experience. Acxsys may disclose this non-identifiable information to others, including to companies located outside of Canada that have been contracted to perform certain functions relating to fraud prevention or investigation on our behalf and as result of this IP addresses and certain device information may be used, stored or accessed in other countries and may be subject to the laws of those countries, and permanently archive it for future use.
We also use Google Analytics, specifically the Demographics and Interest Reporting component of Google Analytics as well as the DoubleClick Campaign Manager, together known as Google Analytics for Display Advertisers. These features are used to derive non-personally identifiable information relating to user level tracking. As a result of these features, you are subject to Google Analytics’ data collection and privacy policy, which is located at http://www.google.com/policies/privacy/partners/.
Users who do not wish to have information collected through Google Analytics can opt-out by deleting the cookies in their browser, configuring their browser settings to block the use of cookies, or by installing the Google Analytics Opt-Out Browser Add-on available at https://tools.google.com/dlpage/gaoptout/.
COOKIES
The Interac e-Transfer site uses “cookies”, a technology that installs information on an Internet visitor’s Web enabled device to permit Acxsys to recognize future visits from a user using the same Web enabled device. Cookies enhance the convenience and use of the Interac e-Transfer site. You may choose to decline cookies if your browser permits, but doing so may reduce your ability to use certain features of the Interac e-Transfer site.
1.3 How to Access Your Information
If you wish to update the personal information that you have provided to us, select the “My Profile” feature within the Web Site. You may view your transaction history by selecting “View Payment History”. For any other requests to access your information, please email our Privacy Officer at privacy@interac.ca.
1.4 Acxsys’ Use of Your Personal Information
Acxsys may use your personal information to contact and correspond with you, to respond to your inquiries, to determine whether to grant access to certain special features of the Interac e-Transfer site and to comply with legal requirements. Acxsys may also use information you provide to assemble statistical reporting for our participating financial institutions. Acxsys may use your information to conduct market research respecting the Interac e-Transfer service. Acxsys may use your information to compile statistical analysis of the behaviour of customers or groups of customers.
1.5 Retention of Your Information
In order to comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, Acxsys will keep a record of the information that you provide to us. We will maintain your transaction history and information provided to us by third parties. As always, once archived, your personal information is kept secure. It will only be released when required or allowed by law, for example in the case of an investigation or dispute.
1.6 Disclosure of Your Personal Information
Acxsys will not sell or rent any of your personally identifiable information to third parties. Acxsys will not share any of your personally identifiable information with third parties, except in the limited circumstances described above and/or below or with your express permission. Any third parties to whom we provide any of your personally identifiable information are limited by law or by contract from using that information for any purposes beyond the purposes for which the information is shared. Acxsys may disclose your personal information in the following circumstances:
INTERNAL USES:
We use the information we collect about you in order to provide our services, process your transactions, and to provide customer service.
DISCLOSURE TO OUR AGENTS AND PARTNERS:
Acxsys offers payment services only in association with its participating financial institutions. Agents and customer service representatives at these financial institutions have access to certain Acxsys stored information. In response to customer inquiries, they can trace payments, view a customer’s transaction history and access payment details. They cannot, however, access any memos attached to an Interac e-Transfer. Payment memos are considered private communication between the Sender and Recipient and will not be disclosed to agents of Acxsys or its partners. We disclose information that we, in good faith, believe is appropriate in investigations of fraud or other illegal activity or to conduct investigations of violations of our Terms of Use). We also exchange certain information with these financial institutions to allow each of us to establish whether any particular transaction, or series of transactions, needs to be reported to FINTRAC pursuant to the Proceeds of Crime (Money Laundering) and Anti-Terrorist Financing Act.
DISCLOSURE IN BUSINESS TRANSFERS:
Acxsys may be involved in the sale, transfer or reorganization of some or all of its business at some time in the future. As part of that sale, transfer or reorganization, Acxsys may disclose your personal information to the acquiring organization, but will take all reasonable measures to ensure that the acquiring organization agrees to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy.
WHEN REQUIRED TO BY LAW:
Acxsys may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information or where Acxsys has reasonable grounds to believe the information could be useful in the investigation of unlawful activity or to comply with a subpoena or warrant or an order made by a court, person or any other body with jurisdiction to compel the provision of information. Acxsys may also disclose your personal information in order to comply with court rules regarding the provision of records and information, to Acxsys’ legal counsel, or as otherwise permitted or required by law.
CONTACTING OUR CUSTOMERS:
We communicate with customers on a regular basis by electronic means to provide requested services, and we also communicate by telephone to resolve customer complaints or investigate suspicious transactions. We use your email address and/or telephone number to send you notice of transfers that you receive through the Interac e-Transfer service, and to send notices and other disclosures required by law. We also use your contact information to enable the market research company we use to contact you, to send information about important changes to our products and services.
1.7 Contacting Us
If you have any questions relating to the information we collect, how we use it, or why we collect it, please contact our Privacy Officer by email at privacy@interac.ca, call us at 1-888-238-6433 or write to us at:
Acxsys Corporation
Royal Bank Plaza, North Tower, P.O. Box 45
200 Bay Street, Suite 2400
Toronto, Ontario M5J 2J1
Canada
Copyright (c) 2015, Acxsys Corporation. All rights reserved.
Except as permitted by law, no part of this document may be reproduced or transmitted by any process or means without prior written consent of Acxsys Corporation.
Acxsys Corporation, by publishing this document, does not guarantee that any information contained herein is and will remain accurate or that use of the information will ensure correct and faultless operation of the relevant service or equipment. Acxsys Corporation, its agents and employees shall not be held liable to or through any user for any loss or damage whatsoever resulting from reliance on the information contained herein.
Published by Acxsys Corporation, Royal Bank Plaza, North Tower, P.O. Box 45, 200 Bay Street, Suite 2400, Toronto, Ontario M5J 2J1
https://www.interac.ca/en/interac-e-transfer-consumer
®,™: Trade-mark of Interac Inc. Used under license.