Privacy Policy

1INTRODUCTION

Sendalat (powered by Ourzone Financial Inc.) takes all reasonable steps to preserve the privacy of your information. This Privacy Policy establishes what personal information we collect, how we use it, how we maintain it, and what disclosure may occur when you use our application, website, or services.

We are committed to maintaining compliance with applicable privacy laws in Canada and other jurisdictions where we operate. Our policies and procedures are designed to keep your information safe and secure.

We encourage you to periodically review this policy as we may update it to reflect changes in law, technological improvements, or modifications to our data collection procedures. Any updates will be posted to our website immediately.

2INFORMATION WE COLLECT

When you access our platform, we collect various types of information to provide and improve our services. The information collected includes:

2.1 Registration Information

When you create a Sendalat account, we collect:

This information is collected to verify your identity, comply with regulatory requirements (KYC/AML), and establish a business relationship with you. Information is kept in our records for business and compliance purposes.

2.2 Transaction Information

When you process transactions on our platform, we collect:

• Recipient/beneficiary name, address, and contact information
• Transaction amounts and currency types
• Financial account information (bank account or card details)
• Purpose of payment/transfer
• Device information and transaction timestamps
• IP addresses and location data
• Transaction status and completion details

2.3 Communication Information

When you contact our customer support or respond to marketing activities, we collect:

• Correspondence content and communication records
• Survey responses and feedback
• Support tickets and inquiries
• Product feedback and suggestions

2.4 Technical Information

We automatically collect technical data including:

• Browser type and operating system
• Device identifiers and hardware information
• Log files and access times
• Usage patterns and feature interactions
• Crash reports and performance metrics

3HOW WE USE YOUR INFORMATION

We use the information collected for the following purposes:

3.1 Service Delivery

• Process and complete money transfers and currency exchanges
• Verify recipient information and fund availability
• Send transaction confirmations and receipts
• Provide customer support and respond to inquiries
• Manage your account and wallet

3.2 Compliance & Regulatory Requirements

• Verify your identity (Know Your Customer - KYC)
• Conduct anti-money laundering (AML) screening
• Perform counter-terrorism financing (CTF) checks
• Screen against sanctions lists and PEP databases
• Comply with FINTRAC reporting requirements
• Meet government and law enforcement requests

3.3 Risk Management & Security

• Detect and prevent fraud and suspicious activities
• Assess financial and security risks
• Monitor for unauthorized access or misuse
• Investigate complaints and disputes
• Protect against cyber threats and malware

3.4 Service Improvement

• Analyze transaction data and user behavior patterns
• Improve platform functionality and user experience
• Develop new features and services
• Conduct research and statistical analysis
• Personalize your experience

3.5 Communication & Marketing

• Send service updates and announcements
• Deliver promotional offers and rewards
• Conduct marketing research and surveys
• Send account notifications

4DATA SECURITY & PROTECTION

Sendalat is committed to protecting your personal information against unauthorized access, misuse, alteration, and loss. We implement industry-leading security measures:

5DATA RETENTION & STORAGE

We retain your personal information in compliance with applicable Canadian laws and regulations for the following purposes:

5.1 Retention Periods

• Active Account Data: Kept for the duration of your account and 7 years after closure for compliance purposes
• Transaction Records: Maintained for minimum 7 years per FINTRAC requirements
• KYC/AML Records: Retained for 7 years after relationship termination
• Communication Logs: Kept for 3-7 years depending on content type
• Technical/Log Data: Typically retained for 90 days unless needed longer for investigations

5.2 Storage Location

Your information is stored in secure data centers primarily located in Canada. Some information may be processed in other jurisdictions where we operate, with appropriate safeguards in place.

5.3 Compliance with Law

Data is retained to fulfill the purposes for which it was collected and to comply with applicable legal obligations. We may be required to retain information longer if demanded by law enforcement or regulatory authorities.

6INFORMATION DISCLOSURE & SHARING

Sendalat may disclose your personal information in the following circumstances:

6.1 Regulatory & Legal Disclosure

We are required to share your information with:

• Financial Transactions and Reports Analysis Centre (FINTRAC)
• Law enforcement agencies and government bodies
• Court orders and legal subpoenas
• Other financial regulators and oversight bodies
• When required by applicable laws

6.2 Service Providers & Verification

We may share information with trusted third parties for:

• AML/CTF verification and screening services
• Credit bureau and background checks
• Identity verification companies
• Payment processing partners
• Bank partners for fund transfers
• Customer support and data analysis providers

6.3 Business Operations

We may share information for:

• Fraud investigation and prevention
• Protection of our legal rights and interests
• Investigation of suspected violations
• Service improvements and analytics

6.4 No Unauthorized Sales

We do not sell your personal information to third parties for marketing or commercial purposes without your explicit consent.

7CHILDREN'S PRIVACY

Sendalat services are not intended for individuals under 18 years old. We:

• Do not knowingly collect information from minors
• Do not allow account creation for individuals under 18
• Delete any information discovered to be from minors immediately
• Comply with child protection regulations

If you believe a minor has provided their personal information through our platform, please contact us immediately at support@sendalat.com.

8COOKIES & TRACKING TECHNOLOGIES

8.1 Cookie Usage

Our website and app use "cookies" and similar tracking technologies to:

• Customize your online experience
• Remember your preferences and login information
• Analyze site usage and user behavior
• Conduct promotions and marketing
• Reduce fraud and security risks
• Measure website performance

8.2 Cookie Options

You have options regarding cookies:

• Accept Cookies: Enable all tracking and functionality features
• Reject Non-Essential: Only essential cookies for security and function
• Decline Cookies: Opt-out of non-essential tracking (may limit features)

Most web browsers are pre-configured to accept cookies, but you can change these settings in your browser preferences.

8.3 Other Tracking Technologies

We may use pixels, beacons, and analytics tools to track:

• User engagement and feature usage
• Device and browser information
• Geographic location (based on IP address)
• Email open rates and link clicks

9THIRD-PARTY LINKS & SERVICES

Our platform may contain links to external websites and services that we do not control. We are not responsible for:

• Privacy practices of third-party websites
• Information you share on external sites
• Content accuracy or completeness
• Security of third-party platforms
• Any harm or damages resulting from third-party access

We recommend reviewing the privacy policies of any third-party websites before sharing your information. If you access a linked site, you do so at your own risk.

10YOUR PRIVACY RIGHTS

Depending on your jurisdiction, you may have the following rights:

10.1 Access & Correction

• Right to Access: Request a copy of your personal information we hold
• Right to Correct: Correct inaccurate or incomplete information
• Right to Update: Ensure your data is current and accurate

10.2 Deletion & Portability

• Right to Deletion: Request removal of your data (subject to legal obligations)
• Right to Portability: Receive your data in a portable format

10.3 Opt-Out Rights

• Opt-out of marketing and promotional communications
• Opt-out of non-essential tracking and cookies
• Control how your data is used

10.4 Exercising Your Rights

To exercise any of these rights, contact us at:

• Email: support@sendalat.com
• Mail: 185 Bedrock Drive, Hamilton, Ontario, Canada

We will respond to requests within 30 days or as required by applicable law.

11MARKETING COMMUNICATIONS

11.1 Marketing Materials

Sendalat may send you marketing or promotional materials about:

• Our products and services
• Related third-party services
• Special offers and rewards
• New features and updates

11.2 Data Use in Marketing

Feedback from marketing activities may be:

• Aggregated and shared with advertisers (no individual information)
• Used to improve marketing effectiveness
• Analyzed for trends and preferences

11.3 Opt-Out Options

You can unsubscribe from marketing communications by:

• Clicking "Unsubscribe" in email messages
• Updating preferences in your account settings
• Contacting us at support@sendalat.com

We will honor opt-out requests within 10 business days.

12POLICY UPDATES & CHANGES

12.1 Policy Modifications

We reserve the right to amend this Privacy Policy to:

• Maintain compliance with new laws and regulations
• Reflect changes to our data collection practices
• Improve clarity and transparency
• Enhance user protections

12.2 Notification of Changes

When we update this policy:

• We will update the "Last Updated" date
• We may notify you via email of material changes
• Continued use of our services indicates acceptance

We encourage you to periodically review this policy to stay informed of how we protect your information.

13CONTACT US

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

13.1 Policy Acceptance

By using Sendalat's website, app, or services, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of our services immediately. Your continued use constitutes acceptance of our privacy practices.

Document Version: 1.0 | Effective: December 25, 2025
This Privacy Policy is provided in English. In case of any conflicts between the English version and translations, the English version shall prevail.