This Privacy Policy (the “Policy”), applies to all subsidiaries owned and operated by African Remittance Company / SikaCash (“SikaCash, “We”, “Us”, “Our”). This Policy describes how we collect and use the Personal Data you provide on our website www.sikacash.com, and on our mobile websites and mobile applications. This Policy also applies for the Personal Data collected offline. The Policy describes the choices available to you regarding our use of your Personal Data and how you can access and update this data. Personal Data is data which can identify you, directly or indirectly, either from that data or from that data combined with other information that is in, or likely to come into, our possession, it includes data such as your name, your location or online identifiers, and as further identified in this Policy (“Personal Data”). By submitting your Personal Data to us you are accepting and consenting to the practices described in this Policy.

SCOPE OF PRIVACY POLICY

This Policy applies to Personal Data collected by us in connection with services we offer and transactions originating in the United States. This Policy applies to Personal Data we may collect via electronic channels and in hard copies (for example letters you post to us). Our website may contain links to and from the websites of our partner networks, advertisers and affiliates (for example Google, Facebook, Twitter, Linkedin, Instagram). If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any Personal Data to these websites. Our website is not directed at minors (those under the age of 18 years) and minors are not eligible to use our services. We ask that minors refrain from using our service or submitting any Personal Data to us.

Access to your personal information is provided to employees that need such access to process your Money Transfer transaction. All of our employees /agents undergo thorough background and credit checks irrespective of their duties and responsibilities.

Financial companies choose how they share your personal information. Federal law gives you the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.

Federal law gives you the right to limit only sharing for affiliates' everyday business purposes such as information about your creditworthiness, affiliates from using your information to market to you, sharing for non-affiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

WHAT IS CONSIDERED PERSONAL INFORMATION?

Personal Information can be separated into two distinct categories. Public Personal Information is information about you that are available on the public domain such as your name, address and telephone numbers listed on a telephone directory.

Non-Public personal information is information that is considered private such as your Date of Birth, Social Security Number, Income, Employment Information and Driver's License Number. Your Company does not distinguish between the categories listed above. We consider Personal Information to include both public and Non-Public personal information.

The types of personal information we collect related to your Money Transfer transaction may include:

• Social Security Number and Date of Birth for certain transactions meeting certain criteria
• Transaction information, transaction history
• Identification Information such as passport or government identification number
• Contact information such as name, address, telephone number, or, email address

DATA WE COLLECT

We collect Personal Data which you disclose to us via online and offline: We collect your Personal Data and Personal Data of your beneficiaries when you create money transfer account with us by completing online forms. Personal Data we collect about you may include: name, surname, home address, email address, date of birth, mobile number, email address, credit and payment history, financial information, such as bank account numbers and credit/debit card numbers, and other Personal Data, including government identification numbers such as a driver’s license, state identification, passport, visa, Social Security and tax identification number, which may be required to complete the transaction. We do not knowingly collect and process sensitive Personal Data such as Personal Data revealing racial or ethnic origin, political opinion, religious philosophical beliefs, trade union membership and data concerning health and sexual preference.

How long is Personal Data retained?

Personal Data is used for different purposes and is subject to different standards and regulations. In general, Personal Data is retained for as long as necessary to provide you with the Services you request, to comply with applicable legal, accounting or reporting requirements, and to ensure that you have a reasonable opportunity to access the Personal Data.

To determine the appropriate retention period for Personal Data, we consider the amount, nature, and sensitivity of the Personal Data, the potential risk of harm from unauthorised use or disclosure of your Personal Data, the purposes for which we process your Personal Data and whether we can achieve those purposes through other means, and the applicable legal requirements. For example:

• Legal and Regulatory Requirements. SIKACASH shall retain Personal Data and transactional data for those periods required to comply with all retention and reporting obligations under applicable laws, including without limitation commercial, tax and anti-money laundering laws and regulations. Generally, this retention period will be a minimum of five years from the date of your transaction or the date our business relationship with you is terminated.
• Customer Service (administration of customer relationship, complaint handling, etc.). SIKACASH may process and retain your Personal Data for as long as we have an on-going relationship with you. Once our relationship has ended (for example because the Services have been delivered and paid for in full, or you have exercised your right to withdraw from the contract), we will, subject to any retention requirements under applicable laws, erase or anonymise your Personal Data.
• Marketing. Personal Data provided to us for marketing purposes may be retained until you opt out or until SIKACASH becomes aware that any such data is inaccurate.

If you send us correspondence, including e-mails and faxes, we may retain such data along with any records of your account. We may also retain customer service correspondence and other correspondence involving you, us and company, our partners, and our suppliers. We will retain these records in line with our Retention Policy

SECURITY

We at SikaCash practice the utmost diligence and take extensive care when working with your personal information. Our policy on protecting your personal information is embedded within our corporate culture. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include established policies and procedures dictating physical security, logical access controls, firewalls and the use of encryption technologies and storage level encryption mechanisms. Our systems are tested for vulnerabilities regularly and undergo periodic external audits by Certified Information Systems Auditors and security professionals. The software and hardware to support the systems are situated at Tier 1 Data Centers that are reputed for employing the most stringent security standards. The information you provide to us in the course of conducting a Money Transfer transaction is reasonably assured to be transmitted and stored securely through storage level encryption mechanisms. We implement technical and organization measures to protect your Personal Data and follow data retention practices in line with applicable law

YOUR PRIVACY RIGHTS AND CHOICES

You have the right to request a copy of the personal data we’ve collected about you in the past 12 months. You also have the right to ask us to delete your personal data we have collected about you. If you want to see or delete your personal data, contact us. We will not deny you services, charge you different prices, or provide you with a different level of service solely for exercising your privacy rights.

If you request to see or delete your personal data, we’ll first need to verify who you are before we can respond to your request. If we can’t verify your identity, we will not be able to fulfill your request.

If you want to delete your personal data, you have choices:

• Log in to your account and delete information you previously added. For example, you can delete your profile picture and non-primary addresses in your settings
• Call us and request that we delete specific information
• Close your account

If you close your account or request that we delete personal data, we still need to keep some personal data so we can:

• Complete a transaction, provide goods or services you requested, or comply with our promises to you in the User Agreement or other contract you have with us
• Detect and prevent malicious, fraudulent, or illegal activity
• Protect your (or another person’s) legal rights, including the right to free speech
• Manage our internal business processes that are reasonably related to your expectations when using our services

INFORMATION SHARING

We do not sell your personal data. However, we may share personal data about your transactions and experiences with our affiliates for their everyday business purposes. We may provide your Personal Data to trusted third parties who help us with our business activities such as processing your monetary transaction or offering customer service. These companies are authorized to use your Personal Data only as necessary to provide these services to us.

We may share personal data with:

• Service providers that help us with processing payments, marketing, research, compliance, audits, corporate governance, communications, and security
• Card networks and payment processors
• Courts, governments, regulators and law enforcement when accompanied by a subpoena or other legal documentation that requires
• People involved in a transaction, such as other users or merchants and their service providers.
• Third-party tools used to help fight spam and abuse
• Other third parties to:
• Comply with laws
• Investigate or enforce violations of our user agreement
• Facilitate a merger, purchase, or sale of part or all of our business
• Comply with card association rules
• To prevent physical harm or illegal activity

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information ; the reasons SikaCash chooses to share; and whether you can limit this sharing.

Reasons why we share your personal information	Does SikaCash Share?	Can you limit this sharing?
For our everyday business purposes such as: to process your transactions; maintain your account(s); respond to court orders and legal investigations; report to credit bureaus; gather information about website or App access, usage and performance; enhance your consumer experience; validate your creditworthiness or your identity; or as otherwise permitted or required by law	YES	NO
For our marketing purposes such as to offer our products and services to you, or notify you about future events and promotions	NO	NO
For our affiliates’ everyday business purposes information about your transactions and experiences	YES	NO
For our affiliates’ everyday business purposes information about your creditworthiness	NO	WE DON’T SHARE
For our affiliates to market to you personal information may be used by SikaCash and its affiliates to deliver customized content and advertising to customers whose behavior indicates that they are interested in a particular subject area	NO	WE DON’T SHARE
For non-affiliates to market to you certain information may be shared with third parties for marketing, advertising or other purposes, including the delivery of advertising campaigns and preparing and sharing aggregate business and marketing reports	NO	WE DON’T SHARE
When	This Privacy Statement was posted and last modified on November 1, 2019.

Why can't I limit all sharing?

Federal law gives you the right to limit only sharing for affiliates everyday business purposes: information about your creditworthiness, affiliates from using your information to market to you, sharing for non-affiliates to market to you. As you can see from the table above, we do not share your information for marketing purposes. Our sharing of your information is limited to processing your Money Transfer transaction.

Definitions

• Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a SikaCash name such as Africa Remittance Company DBA SikaCash.
• Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Non-affiliates can include SikaCash agents or authorized delegates, or third parties as necessary to process transactions that you have requested or authorized.

Cookies

A cookie is a piece of text information that a web server may transfer to your web browser when you visit this website. Cookies are commonly used by websites to improve your experience and to enable systems to recognize your browsers. Only the information that you provide, or the choices you make while visiting a website, can be stored in a cookie. For example, the site cannot determine your email name unless you choose to type it. Allowing a website to create a cookie does not give that or any other site access to the rest of your computer and only the site that created the cookie can interpret it. We may use cookies for a variety of purposes: to assist us in providing our services to you, to allow you to change pages during your visit to our website without reentering your password, to track activity on our website, or to determine whether you came to our site from an affiliate website. We may use temporary, session cookies that expire and are automatically erased when you close your browser window to enable you to perform actions when you are logged into your account. We may use long term, persistent cookies that expire in the distant future to better understand usage patterns so that we can improve our Service or to remember your choices for our Services. We may permit third parties to place cookies through our website to provide us with better insights into the use of our Services and user demographics or to provide relevant advertising to you. These third parties may collect information about your online activities over time and across different websites when you use our Services. By accessing or using our Services, you consent to the placement of cookies on your computer or other device as described in this Privacy Policy. You may adjust your browser settings to refuse or limit cookies, but if you do, certain features of our site may be limited or not work at all. To learn more about cookies visit www.allaboutcookies.org/manage-cookies. Do Not Track (“DNT”) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third parties. We do not use technology that recognizes DNT signals from your web browser.

Social Media Widgets

Our website includes Social Media Features, such as the Facebook and Twitter buttons and Widgets, such as the Share this button or interactive mini-programs that run on our website. These Features may collect your IP address, which page you are visiting on our website, 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 website. Your interactions with these Features are governed by the privacy policy of the company providing it. Please refer to the Cookies section within the Privacy Policy and to our Cookies Policy to obtain more information about cookies we use.

CHANGES TO THIS POLICY

Any changes we may make to this Policy in the future will be posted on this page, and where appropriate notified to you by email. We encourage you to periodically review this page for the latest information on our privacy practices.

CONTACT US

If you have questions or concerns about this Policy, please contact us by one of the following Methods :
Phone :1 (718) 208-18-80· or Email : otm@sikatransfer.com
Or please send us a letter: 2828 JF KENNEDY BLVD suite 203 , JERSEY CITY, NJ 07306