Legal Disclaimers

Privacy Policy

MyBeacon Services Inc. (“Beacon,” “we,” “us,” or “our”) is a Canadian company that values your privacy and cares about the way your personal information is treated. This Privacy Policy aims to help you understand our personal information collection, use, disclosure and retention practices. By providing personal information to us (whether via our website (including any sub-domains or related websites), the Beacon App, by email, in person or over the phone), you agree to the processing set out in this Privacy Policy as well as authorize Beacon, its third parties and service providers to process your personal information for purposes set out below.

This Privacy Policy does not apply to, and Beacon is not responsible for, any third-party websites that may be accessible through links from this website. If you follow a link to any of these third-party websites, they will be subject to their own privacy policies and you should check these policies before you submit any personal information to such third-party websites.

1. Who are we, and what do we do?

Beacon is a Canadian technology company. Unless we notify you otherwise, Beacon is the “data controller” and responsible or accountable party of your personal information—in other words, we are the organization that decides the purposes and means of processing the personal information you make available to us.

2. What personal information do we collect?

Biographical information

This may include your name, address, phone number, email address, and birth date.

Questionnaire Responses
This may include information about your country of origin, destination province, and city and your reasons for moving.

Information You Provide When You Contact Us
If you reach out to a customer service agent or advisor, you may be asked for information that identifies you (such as your name, address, or phone number), along with additional information we need to help us promptly answer your question or respond to your comment or complaint. We may record the conversation or retain this information to assist you in the future and to improve our customer service and product and service offerings.

Employment Information
If you inquire about or apply for a job with Beacon or any of our affiliates, you may provide us with certain personal information about yourself (such as that contained in a resume, cover letter, or similar employment-related materials). We use this information to process and respond to your application for current and future career opportunities.

Financial and Related Information 

We collect personal and financial information you give us as a result of using our services , such as your Social Insurance Number, bank account number, bank account information, and credit/debit card number.  

Under certain circumstances we will also collect and save information obtained from scanned copies of official identification documents, including your Passport or Drivers’ Licence, and your picture, video/audio recording, or other evidence of yourself with your identification documentation. 

We will collect information about your usage of our services, including your transaction history, the geographic location from which the transaction originates, and how and to whom you use the services to send or receive money. 

We will collect information that we lawfully obtain from third parties, such as identity verification services, electronic database services, and credit reporting agencies. 

For India: We may collect your Aadhaar and PAN Card related data, including your demographic details for the purposes of verifying your identity to use our services. We collect your Aadhaar data based on your voluntary and informed consent. Please note that the provision of your Aadhaar related data is voluntary, and you may choose to provide us with other officially valid documents notified by financial regulators such as passport, voter identification document and driving licence for such purposes.  



Information Automatically Collected Through Your Use of the Beacon App or Our Website
Service Information
We collect information generated through your actions when you use the Beacon app or our websites, including information regarding your interactions with the Beacon App, and preferences or statistics regarding your use of our services.

Cookies and Similar Technologies
Please see our Cookie Policy for more information.

Log Data and Usage Information
You can visit our website without indicating who you are or submitting any personal information. However, we collect and log the IP (Internet protocol) addresses of all visitors to our website and other related information such as page requests, browser type, operating system, and average time spent on the Beacon App and our website. We use this information to help us understand activity and to monitor and improve the Beacon App and websites.

Analytics
We may use third parties, including Google Analytics, to help us gather and analyze information about the areas visited on our websites in order to better understand, evaluate and improve the user experience and the convenience of the our websites.

Social Media Information
If you engage with our content through social networking websites, plug-ins and applications, we may collect certain information associated with your social media account (e.g., name, username, email address, profile picture, gender)

Consent and Preference Information
We may collect marketing, communication preferences, and related information, feedback, and survey responses. Where applicable, we collect records of consent given to us (date, time, means of consent) in circumstances where such consent is needed for the processing of personal information.

Please note that if you provide personal information to us about other people, you must ensure that you have given those individuals appropriate notice that you are providing their information to us and have obtained their consent to that disclosure.

3. How do we use personal information?

We use your personal information to provide and improve our services to you. We also use it to meet our legal obligations. We may use personal information in the following ways, either with your consent (whether implied or express) or, where applicable, according to another legal basis under applicable law. In each case, we identify the grounds that we rely on to use your personal information below:

Service Provision and Business Operations
Purpose: To provide services, process your transactions, collect payment for your use of the services, conduct business, and fulfill contractual obligations. 

Legal Basis: Contractual performance or consent, where required. 

Information Requests and Website Usage
Purpose: To respond to inquiries and to ensure effective website usage.
Legal Bases: Contract performance, legitimate interests (providing content and services) or consent, where required.

Marketing and Business Development
Purpose: Sharing new services, recommendations, suggestions, and information per individual preference.
Legal Bases: Legitimate interests and consent.

Research and Development
Purpose: Better understand our users’ requirements and needs and to better understand and develop our business, services, and offerings, including from a security perspective.
Legal Bases: Legitimate interests and consent, where required;.

Recruitment
Purpose: Processing employment applications and assessing suitability.
Legal Bases: Legitimate interests, contract performance and consent, where required.

Compliance with Applicable Legal and Regulatory Requirements 

Purpose: Complying with applicable legal and/or regulatory requirements, including to respond to requests from public and government authorities, including public and government authorities outside your country of residence, upon demonstration of lawful authority, and to comply with court orders from the relevant jurisdiction. 

Legal Bases: Legal obligations, contract performance, legitimate interest (to be efficient about how we meet our legal obligations and to comply with regulations that apply to us). 

Enforcement of Legal Rights
Purpose: Enforcing legal rights and complying with reporting obligations.
Legal Basis: Legal obligations and consent, where required.

Prevention of Crimes 

Purpose: Detection of fraud, money-laundering, financial crime and related criminal activity. 

Legal Bases: Legal obligation, legitimate interest (to detect and prevent criminal activity in connection with our services), credit protection. 

Business Reorganization
Purpose: If we undergo a reorganization (for example, if we merge, combine, or divest a part of our business), we may need to transfer some or all of your personal information to the relevant third party (or its advisors) as part of any due diligence process or transfer to that reorganized entity or third party your personal information for the same purposes as set out in this Privacy Policy or for the purpose of analyzing any proposed reorganization.
Legal Basis: Legitimate interests (to allow us to change our business), or statutory exception from consent requirement.
We respect your right to manage your preferences, such as unsubscribing from marketing communications or toggling your preferences via the Beacon App. Feel free to reach out with any inquiries or concerns.

4. Opting Out of Communications

If you wish to stop receiving marketing communications, recommendations, and/or offers, you can easily opt out by clicking the “unsubscribe” link in any email or, if you have the Beacon App, by adjusting your communication preferences through your account settings. Alternatively, you may contact us directly using the information provided in the “How to Contact Us” section below.

While we strive to promptly address opt-out requests, we appreciate your understanding in allowing us a reasonable time to process them. Please be aware that opting out of marketing emails does not affect communications related to your use of our products or services or other essential matters.

5. With whom do we share personal information?

We will not sell your personal information.

We will not sell your personal information. We will only use personal information to fulfil the primary purpose and applicable legitimate purpose it was collected for, or for a purpose compatible with that primary purpose. 

We may provide your personal information to our service providers (as described below).  We may also disclose your personal information to fulfill a legal obligation or to enforce our rights. 

Beacon may also share personal information with certain third parties such as: 

  • service providers that perform services on our behalf, including website and application development and hosting, human resources management, transaction processing, fraud prevention, and marketing. These entities may access or process personal information within the scope of their service provision. We limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and our contracts with them require them to maintain the confidentiality of such information; 
  • law enforcement or government entities as required by law or in good faith belief to comply with legal obligations; and 
  • in the event of a merger, acquisition, or similar transaction, personal information may be transferred to the acquiring entity. 

You may To authorize or direct other third parties, which could involve linking your account with a third-party service, account, or platform, such as Fairexpay for the purpose of remitting funds to and from India. For the purposes of this privacy policy, “account linking” refers to a connection you enable between your Beacon account and a non-Beacon account, payment instrument, or platform that you lawfully control or own. When such a connection is authorized, Beacon and the third-party will exchange personal and other information directly. Examples of account connections include linking your Beacon account to a third-party data aggregation or financial services company, provided you furnish them with your account login credentials. If you link your Beacon account to other banking or similar accounts, either directly or through a third-party service provider, we may gain access to your account balance and transactional information, such as purchases and fund transfers. If you opt for an account linkage, we may receive information from the third-party about you and your utilization of their service. All information received from a third-party via an account connection will be handled in accordance with this privacy policy. 

6. How do we protect personal information?

We Implement and Maintain Safeguards
We implement a range of measures to protect your data, including physical, technical, and administrative safeguards. These measures are designed to prevent unauthorized access, disclosure, alteration, or destruction of your personal information. We limit access to your data to only those personnel who require it to perform their duties, and strict confidentiality obligations bind all individuals with access.

While we have taken these steps to ensure the security of your data, it’s important to note that no method of transmission over the Internet or electronic storage is 100% secure. As a result, we cannot guarantee the absolute security of any information you transmit to us. If you believe that your personal information has been compromised, please contact us immediately.

We Only Retain Your Information as Long As Necessary
We also want to assure you that we only retain your information for as long as it is necessary to provided you with services, to fulfill the purposes outlined in our Privacy Policy or to comply with legal and regulatory requirements. We have processes in place to ensure that your data is not kept for longer than needed.

We Require Similar Safeguards from Service Providers
Our service providers are provided with the information necessary to perform their designated functions. Our service providers are not permitted to use your information for any unauthorized purpose. Your personal information may be maintained and processed by our third-party service providers in the United States. In the event personal information is transferred to the Unites States, it will be subject to the laws of that jurisdiction.

Internal Policies
In addition to the measures to protect personal information described above, we have internal procedures and policies regarding our handling of personal information to facilitate our compliance with this Privacy Policy and applicable laws, including with respect to limiting access to personal information, and handling complaints. If you would like additional information about our procedures and policies, please contact us as described below.

Your Role in Protecting Your Information
To further protect your personal information, we encourage you to take certain steps, such as activating two-factor authentication, using strong and unique passwords, never sharing your passwords, and limiting access to your devices.

7. What rights does someone have in relation to their personal information?

Individuals are entitled to various rights regarding their personal information under applicable data protection laws:

  • Access: You can inquire about the processing of your information and request access to it. This may involve a possible fee, subject to applicable law, allowing you to receive a copy of the personal information we hold and other relevant details regarding its processing.
  • Automated Decisions: If an automated decision has legal or significant effects, or in other circumstances provided for by law, you have the right to contest it and request reconsideration.
  • Correction: You can request the correction of any incomplete or inaccurate personal information we hold.
  • Erasure: In certain circumstances, you can ask us to delete, destroy, or remove your personal information. However, exceptions apply, such as when the information is required by law or in connection with claims or contractual obligations.
  • Objection: You may challenge the processing of personal information based on legitimate interests or for specific direct marketing purposes. However, we may have grounds to continue processing the information.
  • Portability: You have the right to request the transfer of certain personal information to another party.
  • Restriction: You can ask us to suspend the processing of certain personal information, for example, to verify its accuracy or the reasons for processing.
  • Withdrawal of Consent: You have the right to ask us to stop collecting, disclosing or using your personal information.
  • Additionally, you have the right to make a complaint with us or a data protection supervisory authority, particularly in your country/province/state of residence, our location, or where an alleged infringement of data protection law has taken place.
    To exercise any of these rights, please contact us as set forth in the “How to contact us?” section.
8. Links to Third Parties

Our website may contain links to third-party websites. These third-party websites are operated by companies that are outside of our control, and the policies and practices of those third parties will govern your activities at those third-party websites. Beacon does not endorse or make any representations about such third-party websites and applications. Beacon is not responsible for the privacy practices or content of third-party websites and applications, which are subject to their own privacy policies. If you choose to access such links, we encourage you to review all third-party site privacy policies before submitting any of your personal information.

9. Social Media and Online Engagement

We may use a variety of new technologies and social media options to communicate and interact with users, potential users, employees, and potential employees. These sites and applications include popular social networking and media sites, open-source software communities and more. To better engage the public in ongoing dialog, certain of our businesses use certain third-party platforms including, but not limited to, Facebook, X (formerly Twitter), LinkedIn, Instagram, Pinterest, and Google+. Third-party websites and applications are Web-based technologies that are not exclusively operated or controlled by us. When interacting on those websites, you may reveal certain personal information to us or to third parties.

10. Children’s Privacy

We do not knowingly collect information from children or other persons who are under 16 years old. If you are under 16 years old, please do not provide us with any personal information without the express consent of a parent or guardian. If you are a parent or guardian and know your children have provided us with personal information, please contact us. If we learn that we have collected personal information from minor children without verification of parental consent, we will take steps to remove that information from our servers.

11. How to contact us?

For any questions or comments about this Privacy Policy or personal information, to exercise any applicable rights, to make a complaint, or to obtain information about our policies and practices with respect to any service providers outside Canada, our Privacy Officer can be reached by email at privacy@mybeacon.ca

You may also contact us by mailing us at:
MyBeacon Services Inc.
c/o 199 Bay St. #4000
Toronto, ON M5L 1A9
Canada

12. Update to this Privacy Policy

We may change our Privacy Policy and Cookie Policy from time to time in the future. We therefore encourage you to review them whenever you visit the website to stay informed of how we are processing personal information.
This Privacy Policy was last updated on June 13, 2024.