Privacy Policy

Last modified: April 20, 2023

1. Introduction

Moneydart Global Services Inc., our subsidiaries and affiliates (“Moneydart”, “we”, “our” or “us”), located at 33 South Wood Ave, Suite 668, Iselin, NJ 08830, are committed to protecting your personal information collected when you interact with us through our websites, mobile applications, email, phone, retail locations or our agents.

2. Purpose of this Privacy Statement

This privacy statement (“Privacy Statement”) informs consumers (“you” or “your”) of how we collect, use, share and protect personal information. Financial companies, such as Moneydart, choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Please read this notice carefully to understand what we do.

3. Personal Information

3.1 Types of Personal Information Collected

The types of personal information we collect and share depend on the product or service you have with us. This information can include, but is not limited to:

Name
Address
Nationality
Phone number
Relationship between sender and recipient of a transaction
Email address
Gender
Date of birth
Place of birth
Place of employment
Social security number
Information to confirm your identity
Transaction information
Fraud prevention information
Technical information

3.2 How Personal Information is Collected

We collect your personal information in various ways, including:

When you interact with us to create an account or use our services
From other sources such as service providers, credit bureaus, and public databases

3.3 Personal Information Collected by Website

Our website collects:

Aggregated user data
Personal information you provide
Information collected through cookies

3.3.1 Cookies

In order to provide better service, we may occasionally use “cookies”. A cookie is a small piece of information which a website stores on the web browser of your computer and can later retrieve. The cookie cannot be read by a website other than the one that set the cookie. We use cookies for a number of purposes in the following categories:

Essential cookies: These cookies are necessary for the Website to operate as intended and, therefore, they cannot be turned off or rejected. These cookies do not gather any information about you and do not have the ability to remember how you have used the Website;
Performance cookies: These cookies help analyze how the Website is used in order to improve its performance. For example, Moneydart uses them to understand where visitors to the Website are located, how many visitors access the Website and which sections of the Website are the most used;
Functionality Cookies: These cookies allow the Website to remember if you have previously visited and the selections, such as language preferences, previously made to provide a more personalized online experience;
Third-Party cookies: These cookies collect information from your device and perform tasks that analyze behavior and collect other information, such as demographics. These cookies may be used to provide you with personalized advertising.

With the exception of essential cookies, as described above, accepting cookies when visiting the Website for the first time will assist in optimizing the Website experience. Most internet browsers are initially set up to automatically accept cookies, however you can change the browser settings at any time. Blocking or deleting cookies may result in some features of the Website not working as intended.

Website usage data: with or without cookies, our Website keeps track of usage data, such as source address that a page request is coming from, your IP address or domain name, the date and the time of the page request, the referring Website (if any) and other parameters in the URL. We use this data to better understand Website usage. This information is stored in log files and is used for aggregated and statistical reporting.

3.3.2 Third Party Marketing Cookies and Advertising

Moneydart has relationships with online advertisers and social media networks. These third parties use cookies and similar technologies for marketing purposes and may send you targeted advertising about Moneydart services while you are on their website or mobile applications. You can choose to decline these third-party cookies that enable this type of marketing at any time by not accepting the cookies when visiting our Website.

3.3.3 How to manage cookies

Our Performance, Functionality and Third-Party cookies are not strictly necessary for our website to work but will provide you with a better browsing experience. You can delete or block these cookies, but if you do this, you may have to manually adjust some preferences every time you visit our website and some features of the site may not work as intended. Most internet browsers are initially set up to automatically accept cookies, however you can decide at any time what type of cookies you want to accept. You can change the settings on your browser to block cookies or to alert you when cookies are being sent to your device.

3.3.4 Do Not Track Request

We currently do not recognize the Do Not Track request from your web browser. We may engage third parties, such as marketing or analytics partners, who may collect information about your online activities over time and from time to time and across different websites when you use our Website.

Moneydart may collect anonymized data derived from an individual’s publicly available social media resources for statistical purposes. Although the anonymized data may be derived from your personal information, it is not considered personal information because it will not directly or indirectly reveal your identity. We may also collect data derived from publicly available social media resources that you make available when interacting with us including: Facebook, Twitter, YouTube, LinkedIn, Instagram, Google+, Pinterest, Weibo and WeChat. Such data may include but is not limited to:

Public Social Media Profile Name
Email
Mobile number
Region
Moneydart related posts (e.g. Mentions & Hashtags)
Complaints/queries.

3.5 Third Party Websites

We may provide a link to websites that are owned or operated by other companies (“third-party websites”). We have not reviewed, do not control, and are not responsible for the content or privacy practices employed by third-party websites that are linked from our Website. We do not assume responsibility for any of these third-party websites, their content, or their privacy policies. We do not endorse third party websites or make any warranties about any information, software or other products or materials you may find on such websites, or any results that may be obtained from using them.

3.6 Protecting Minors and Children’s Privacy Online

We do not direct our services or products or collect personal information from children under the age of 13. Anyone under the age of 18 may not use the Website.

Reasons We Can Share Your Personal Information	Does Moneydart Share?	Can You Limit This Sharing?
For our everyday business purposes	YES	NO
For our marketing purposes	YES	YES
For joint marketing with other financial companies	NO	Not applicable
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	Not Applicable
For our affiliates to market to you	NO	Not Applicable
For nonaffiliates to market to you	NO	Not Applicable

Definitions

Affiliates: Companies related by common ownership or control. They can be financial and nonfinancial companies.

Our affiliates include: WizzFinancial US LLC

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates we share with can include companies such as financial service providers that offer our services as agents, banks, credit card companies, brokerage companies, banking and non-banking financial institutions, mortgage lenders.

Joint marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Our joint marketing partners include categories of companies such as banking and non-banking financial institutions.

Moneydart is licensed and operates in the United States (“U.S.”) for U.S. residents. However, when you interact with us, your information may be transferred to a country outside the U.S. in order to complete your transaction, such as a money remittance request. The privacy and data protection rules of these other countries may differ from the U.S. In certain circumstances, the courts, law enforcement agencies or a regulatory authority may have a right to access your personal information. In some cases, we may be required to disclose certain information to comply with a legal process, such as a court order, subpoena or search warrant.

5. Your Rights on Personal Information

Federal law gives you the right to limit sharing of personal information for the following:

To our affiliates for their everyday business purposes regarding your creditworthiness
To our affiliates for marketing purposes
To nonaffiliates for marketing purposes

We do not currently share your personal information with nonaffiliates for marketing purposes. To limit our sharing with affiliates, please see Section 11.

State laws may give you additional rights to limit sharing. See Section 6 for more on your rights under state law.

5.2 Right to View, Change and Delete Personal Information

You can access, request and correct the personal information that we have of you. In certain circumstances, upon your request, we will delete your personal information. If you have previously provided consent for our collection, use or sharing of your personal information, you may withdraw your consent at any time. You can contact us at ben@wizzfinancial.com

6. State Privacy Laws

California residents: In accordance with California law, we will not share information we collect about you with companies outside of Moneydart except as required or permitted by law. For example, we may share information to service your accounts, complete requested transactions, or to provide rewards or benefits to which you are entitled.

California consumers have a right to the following:

To request that a business that collects personal information about the consumer disclose to the consumer the following:
The categories of personal information it has collected about that consumer.
The categories of sources from which the personal information is collected.
The business or commercial purpose for collecting or selling personal information.
The categories of third parties with whom the business shares personal information.
The specific pieces of personal information it has collected about that consumer.
To request that a business that sells the consumer’s personal information, or that discloses it for a business purpose, disclose to that consumer:
The categories of personal information that the business collected about the consumer.
The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold.
The categories of personal information that the business disclosed about the consumer for a business purpose.
To request the deletion of personal information we have collected from you, subject to certain exceptions.
To nondiscrimination because the consumer exercised any of the consumer’s rights herein.

Virginia residents: You may take advantage of certain privacy rights, such as to request access, correction, deletion, or a copy of your personal information. We do not “sell” personal information but may engage in “targeted advertising” as these terms are defined under Virginia law, you may also exercise your right to opt-out of such sales or targeted advertising. You have the right to appeal a denial of your privacy rights.

To submit a request to exercise any of the rights listed above, you can Email us at: ben@wizzfinancial.com

6.1 In the preceding 12 months, Moneydart has collected the following categories of personal information:

The types of personal information we collect, and share depend on the product or service you have with us. This information can include, but is not limited to:

Name
Address
Nationality
Phone number
Relationship between sender and recipient of a transaction
E-mail address
Gender
Date of birth
Place of birth
Place of employment
Social security number
Information to confirm your identity, which may include government issued identification
Information from a transaction, such as transaction history, credit card or bank information
Information for fraud prevention and similar security purposes
Technical information, which may include the host from which you access the Internet, your IP address or device advertising ID, geolocation if enabled, information about your device, mobile application, browser

As a financial institution, Moneydart has certain obligations with regards to identity verification, fraud prevention and other similar security purposes. To ensure compliance with those obligations, certain of the personal information described above may be collected from, or verified against, third party sources such as government agencies and consumer reporting agencies. For identity verification purposes, senders and recipients of money transfers may be required to produce valid identification or consent to verification by other means before funds are released.

6.2 In the preceding 12 months, Moneydart has not sold consumers’ personal information.

6.3 In the preceding 12 months, Moneydart has disclosed for a business purpose to a third party the categories of personal information as specified in Section 6.1.

7. Moneydart Contact

If you wish to exercise any of your rights, or if you have any questions, complaint or suggestions about this Privacy Statement, you can contact Moneydart at ben@wizzfinancial.com

8. Un-Solicited Communications

Moneydart employs a strict policy against sending unsolicited communications. Please note that Moneydart will continue to send administrative communications (i.e. transaction notifications) if you opt out from Marketing/Customer Care communications. Moneydart may also contact you in response to your inquiries, to provide services at your request and to manage your preferences.

9. Security Measures to Protect Personal Information

Moneydart takes reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Our authorized employees, agents, affiliates and subsidiaries who require access to your personal information in order to fulfill their job requirements will have access to your personal information.

We have in place a range of security safeguards to protect your personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification, regardless of the format in which it is held. The methods of protection may depend on the sensitivity of the information and the format in which it is contained.

Moneydart works to protect personally identifiable information stored on its server from unauthorized access using commercially available and industrially acceptable standards of computer security products, such as firewalls, as well as carefully developed security procedures and practices. We use both internal and external resources to review the adequacy of security measures on a regular basis.

10. Retention of Personal Data

Moneydart retains your personal information in accordance with the purpose for which it is collected or as otherwise required or permitted by law, including anti-money laundering laws. When determining the appropriate retention periods, Moneydart will take into account its contractual obligations, legal obligations, statute of limitations under applicable law, ongoing or potential disputes, guidelines issued by relevant data protection authorities and Moneydart’s business purposes. Moneydart will delete personal information in accordance with its policies and procedures once personal information is no longer needed.

11. Removal from Moneydart Marketing Communications

If you want to opt-out of receiving marketing information from Moneydart or its affiliates, you can follow the opt-out links on any marketing message sent to you or by contacting us at ben@wizzfinancial.com

12. Changes to this Privacy Statement

Moneydart reviews and updates this Privacy Statement from time to time. Any changes made to this Privacy Statement will be posted on the Website. By providing us with your personal information, using the accessing and/or using any service or product offered by the Website, providing us with personal information at a retail location or through an agent, over the phone or by placing orders after we have changed the terms of our Privacy Statement, you will be deemed to have accepted these changes. We will advise you of significant changes to this Privacy Statement if we have your contact information.