This Privacy Policy applies to all services offered by The Dataseed Company Canada Limited (“Kouriar”, “we”, “us”, or “our”), including our international money remittance service between Canada and Nigeria.

By accessing or using any Kouriar service, you acknowledge that you have read and understood this Privacy Policy.

The Dataseed Company Canada Ltd. is a federally incorporated Canadian company providing international money remittance services.

Kouriar enables individuals in Canada to send funds to recipients in Nigeria in Naira equivalent from the initiation currency.

• Registered as a Money Services Business (MSB) with FINTRAC.
• Operates in compliance with the PCMLTFA and applicable Canadian regulations.

This Privacy Policy is designed to comply with applicable Canadian and Nigerian privacy and financial regulations.

• PIPEDA
• Breach of Security Safeguards Regulations (Canada)
• Nigeria Data Protection Act (NDPA 2023)
• PCMLTFA and FINTRAC regulations
• FCAC consumer protection guidelines

• Canadian residents using Kouriar for remittance services.
• Recipients in Nigeria receiving remittance payments.
• Visitors to our website and mobile applications.
• Any individual whose personal information we process.

• Third-party websites or services linked on our platform.
• Aggregated or anonymized information that cannot identify you.
• Business contact information used professionally.

• Full legal name
• Date of birth
• Government-issued identification
• Nationality and country of residence
• Photographs or selfies for verification

• Email address
• Mobile phone number
• Residential address

• Bank account details
• Debit and credit card information
• Transaction history
• Beneficiary banking information
• Source of funds declarations where required

We do not collect or store online banking passwords or security questions.

• PEP and HIO status assessments
• Sanctions screening records
• AML and FINTRAC compliance records
• Beneficial ownership information

• IP address
• Device and browser information
• Login and activity logs
• Cookies and tracking technologies

• When creating an account
• When completing transactions
• When uploading verification documents
• When contacting customer support
• When responding to surveys or feedback forms

• Cookies and analytics technologies
• Server logs and activity tracking
• Website and mobile application interactions

• Identity verification providers
• Fraud and sanctions screening services
• Payment partners and banks
• Regulatory authorities where required by law

• Processing money transfers
• Identity verification
• Fraud prevention and AML compliance
• Generating FINTRAC-required reports
• Account management and recovery
• Transaction notifications and dispute resolution

• Improving our products and services
• Internal audits and risk management
• Tax and legal compliance
• Customer communications
• Sending marketing communications with your consent

We process personal information based on consent, contractual necessity, legal obligations, and legitimate business interests.

• Identity verification providers
• Banking and payment partners
• Cloud hosting providers
• Cybersecurity and fraud prevention vendors
• Legal and accounting professionals

• FINTRAC
• Canada Revenue Agency (CRA)
• FCAC and other regulators
• Courts and law enforcement agencies
• Nigeria Data Protection Commission (NDPC)

In the event of a merger, acquisition, or restructuring, personal information may be transferred as part of the transaction.

Kouriar’s services require the transfer of personal information between Canada and Nigeria.

• We use contractual safeguards to protect transferred data.
• Only the minimum necessary information is transferred.
• International partners undergo due diligence reviews.

Nigerian recipient data is processed in compliance with the NDPA 2023 and applicable NDPC directives.

• AML and FINTRAC records: minimum 5 years
• KYC records: 5 years after relationship ends
• Security logs: 2 years
• Complaint and support records: 5 years
• Breach records: minimum 24 months

Information no longer required is securely deleted or anonymized.

• Right of access
• Right to correction
• Right to withdraw consent
• Right to make a complaint

• Right of access
• Right to rectification
• Right to erasure
• Right to object
• Right to data portability
• Right to restriction
• Right against solely automated decision-making

To exercise your privacy rights, contact:

Email: help@kouriar.com

We obtain consent before collecting personal information except where otherwise permitted or required by law.

Marketing communications are sent only with your express opt-in consent in compliance with CASL.

You may withdraw consent for non-essential processing at any time.

• AES-256 encryption at rest
• TLS encryption in transit
• Multi-factor authentication
• Role-based access controls
• Security audits and penetration testing
• Employee privacy training
• Vendor security obligations

Where required by law, we will notify affected users and regulators of breaches involving a real risk of significant harm.

• Description of the breach
• Information affected
• Actions taken by Kouriar
• Protective steps for users

• Strictly necessary cookies
• Analytics cookies
• Functional cookies
• Marketing cookies

Users may manage cookie preferences through browser settings or our Cookie Preference Centre.

• Identity verification
• Transaction monitoring
• FINTRAC reporting
• Sanctions screening
• Risk assessments

Kouriar services are not intended for individuals under 18 years of age.

We may update this Privacy Policy periodically to reflect legal, operational, or regulatory changes.

This Privacy Policy is governed by the laws of Canada and applicable Nigerian data protection legislation where relevant.

• Office of the Privacy Commissioner of Canada (OPC)
• Nigeria Data Protection Commission (NDPC)
• Financial Consumer Agency of Canada (FCAC)
• FINTRAC