Privacy Policy – UniverseMT Corp

At UniverseMT Corp (“UniverseMT”, “UMT”, “we”, “our”, “us”), protecting your personal information is not just a legal requirement — it’s a responsibility we take seriously. This Privacy Policy explains how we handle your personal data when you use our services, including the UMT Application and our Money Transfer Service.


By using our services, you agree to the practices described in this document. If you disagree, we request that you refrain from using the UMT platform.

1. Who This Policy Applies To

This Privacy Policy applies to:

  • Clients and users of our money transfer services and app
  • Contractors, consultants, and third parties engaged with UniverseMT
  • Any individual whose personal data we collect in the course of business

Our practices are designed to comply with Canadian privacy legislation, including:

  • The Personal Information Protection and Electronic Documents Act (PIPEDA)
  • Alberta, British Columbia, and Quebec’s provincial privacy laws

2. Why We Collect and Use Your Data

Your information is used for the following purposes:

  • Delivering Services: to process transactions, confirm identity, and maintain your account.
  • Meeting Legal Requirements: reporting to regulators such as FINTRAC (C100000708), and complying with anti-money laundering and anti-terrorist financing obligations.
  • Fraud and Security: detecting suspicious activity, preventing account misuse, and safeguarding transfers.
  • Customer Experience: assisting with inquiries, complaints, and service requests.
  • Communications: sending updates, promotional offers, or training opportunities (always with opt-out options).
  • Improvement & Research: analyzing service usage to strengthen app performance and reliability.
  • Corporate Transactions: in the event of a merger, acquisition, or reorganization, your information may be part of transferred business assets.

3. Information We Collect

We collect only the information necessary to provide services, meet regulatory requirements, and ensure your experience remains secure. Examples include:

  • Identification Data: full name, address, date of birth, contact information, and government-issued ID such as a passport or driver’s licence.
  • Financial Data: bank account details, payment card information, and transaction history.
  • Usage Data: device identifiers, IP address, geolocation (for fraud prevention and AML compliance), and app activity logs.
  • Third-Party Sources: data from credit bureaus, watchlists, and government registries to verify identity and meet compliance obligations.
  • Communications: details provided when you reach out to our support team or file a complaint.

 

Our services are intended for individuals 18 years or older. We do not knowingly collect information from minors.

4. How and When We Share Your Data

We may share information only when necessary, including with:

  • Banks and Payment Processors to complete your money transfers
  • Regulatory Bodies and Government Agencies, such as FINTRAC, as required under AML laws
  • Third-Party Service Providers that help with IT, cloud hosting, customer support, or security (under strict confidentiality agreements)
  • Law Enforcement if legally required to investigate fraud, money laundering, or criminal activity
  • Business Partners in cases of joint services, under strict privacy safeguards

 

We do not share SMS or mobile opt-in information with third parties for marketing or promotional purposes.

5. Consent and Your Choices

We collect, use, and disclose personal data with your consent or when otherwise permitted by law.

  • Express Consent is required for sensitive activities such as identity verification and international transfers.
  • Implied or Opt-Out Consent may apply to less sensitive areas, such as receiving marketing communications (unsubscribe options are always available).

 

Your rights include the ability to:

  • Access the personal data we hold about you
  • Correct or update your information
  • Withdraw your consent, except where retention is legally required
  • File a complaint with our Chief Privacy Officer or with a provincial/federal commissioner

6. Protecting Your Information

We implement strong security measures, including:Encryption at rest and in transit

  • Role-based access controls for staff
  • Regular security testing and monitoring
  • Breach notification protocols (including reporting to regulators such as OIPC Alberta and FINTRAC when required)

 

Despite these safeguards, no system can guarantee 100% security. Users are encouraged to create strong, unique passwords and safeguard their login credentials.

7. Data Retention

To comply with financial and anti-money laundering regulations, we retain personal information for at least seven years after your account is closed. Once no longer required, data is securely destroyed, anonymized, or archived in compliance with legal standards.

8. International Transfers

Because we operate in multiple jurisdictions, your data may be processed outside of Canada (including in the United States or the European Union). Whenever that occurs, we implement safeguards such as encryption and contractual requirements to maintain equivalent protection.

9. Accuracy and Updates

You are responsible for ensuring your information is current and accurate. Requests for corrections will be reviewed promptly. If a dispute arises, we will document the issue and notify the relevant third parties as applicable.

10. Policy Updates

We reserve the right to update this Privacy Policy as laws, regulations, or our practices evolve. Any revisions will be posted on the UMT Application and website. Continued use of our services means you accept the updated policy.

11. Contact Us

If you have any questions, concerns, or requests, please reach out to:


Universe Money Transfer (UniverseMT Corp)

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