Effective Date: 2025.04.07

Usend ("Company," "we," "our," or "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy outlines how we collect, use, and disclose your personal information when you use our services ("Services"), including credit card issuance and remittance services, provided in collaboration with licensed third-party providers. Please read this policy carefully to understand your rights and our practices.

1. Introduction

1.1 This Privacy Policy applies to all individuals who use our Services, including potential, existing, and former customers, authorized representatives, and other associated parties.

1.2 By using our Services, you consent to the collection, use, and disclosure of your personal data as outlined in this Privacy Policy.

2. Data We Collect

We collect and process various categories of personal data to provide and improve our Services:

2.1 Personal Identification Information

• Name, date of birth, nationality, identification documents (e.g., passport or ID details).

• Contact details such as phone number, email, and residential address.

2.2 Financial Information

• Bank account details, transaction data, source of funds, and financial history.

2.3 Behavioral and Usage Data

• Device information, IP address, browser type, and interactions with our website or mobile application.

2.4 Compliance and Verification Data

• Information required for Know Your Customer (KYC) and anti-money laundering (AML) compliance, including biometric data for identity verification.

2.5 Communication Data

• Content of emails, live chats, and other interactions with our support team.

  
  

3. How We Use Your Data

We process your personal data for the following purposes:

3.1 Service Provision

• To provide credit card and remittance services.

• To verify your identity and manage your account.

3.2 Legal Compliance

• To comply with regulatory requirements, including AML and KYC obligations.

• To prevent and detect fraud, money laundering, and other unlawful activities.

3.3 Improvement and Personalization

• To enhance our Services and user experience.

• To deliver tailored content and marketing communications.

3.4 Communication

• To respond to your inquiries and provide customer support.

  
  

4. Data Sharing

We may share your personal data with:

4.1 Licensed Third-Party Providers

• Entities facilitating credit card issuance and remittance services.

4.2 Regulatory Authorities

• As required to comply with legal and regulatory obligations.

4.3 Service Providers

• Trusted partners providing IT, analytics, and operational support.

4.4 Business Transfers

• In the event of a merger, acquisition, or sale of assets.

  
  

5. International Data Transfers

Your data may be transferred and processed outside your jurisdiction in compliance with applicable data protection laws. We ensure appropriate safeguards are in place, such as standard contractual clauses, to protect your personal data.

6. Data Retention

We retain your personal data only as long as necessary for:

• Providing our Services.

• Compliance with legal and regulatory obligations.

• Resolving disputes and enforcing our terms.

Retention periods are determined based on the nature of the data and legal requirements.

7. Your Rights

You have the following rights regarding your personal data:

7.1 Access

• Request a copy of your personal data.

7.2 Rectification

• Correct inaccuracies in your personal data.

7.3 Erasure

• Request deletion of your personal data in certain circumstances.

7.4 Restriction

• Limit processing of your data under specific conditions.

7.5 Data Portability

• Request transfer of your data to another organization.

7.6 Objection

• Object to processing based on legitimate interests.

To exercise your rights, contact us at op.manager@usendai.com.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, alteration, disclosure, or destruction. Despite our efforts, no method of transmission or storage is completely secure.

9. Cookies and Tracking Technologies

We use cookies to enhance your experience on our website. For more information, refer to our Cookie Policy.

10. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via email or a notice on our website. Continued use of our Services constitutes acceptance of the revised policy.

11. Contact Us

For questions or concerns about this Privacy Policy or your data, contact us at:

• Email: op.manager@usendai.com