Privacy Policy

Last updated: April 22, 2026

1. Information We Collect

We collect the following types of information when you use GJ Money Transfer:

• Identity information: Name, date of birth, government ID, selfie for KYC
• Contact information: Email address, phone number, mailing address
• Financial information: Bank account details, payment method tokens (we never store full card numbers)
• Transaction data: Transfer history, amounts, recipient details
• Device data: IP address, device type, browser, location (for fraud prevention)

2. How We Use Your Information

• To process and complete money transfers
• To verify your identity and comply with KYC/AML laws
• To detect and prevent fraud
• To communicate with you about your account and transfers
• To comply with legal and regulatory obligations
• To improve our services and user experience

3. How We Share Your Information

We do not sell your personal data. We may share information with:

• Payment partners: Stripe, PayPal, Zelle, Cash App, Interac — to process payments
• Payout partners: MonCash, NatCash, and local banking partners — to deliver funds
• KYC providers: Persona or Jumio — for identity verification
• Regulators: FinCEN, FINTRAC, and law enforcement when legally required

4. Data Security

We use AES-256 encryption for data at rest, TLS 1.3 for data in transit, and tokenization for payment details. We maintain SOC 2 Type II compliance and conduct regular security audits.

5. Data Retention

We retain your personal data for a minimum of 5 years after your last transaction, as required by US and Canadian financial regulations (BSA, PCMLTFA). You may request deletion of non-regulatory data by contacting us.

6. Your Rights

• Access: Request a copy of your personal data
• Correction: Update inaccurate information
• Deletion: Request deletion of non-regulatory data
• Portability: Export your transaction data in CSV format
• Opt-out: Unsubscribe from marketing communications at any time

7. Cookies

We use essential cookies for security and session management, and optional analytics cookies to improve our website. You can manage cookie preferences in your browser settings.

8. Contact

For privacy questions or data requests, contact our Privacy Officer at [email protected].