Effective Date: Aug 19, 2026

Last Updated: Aug 19, 2026

Express Pesa Transfer Inc. (“Express Pesa,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you use our website at https://expresspesatransfer.net/, our mobile applications, our money transfer services, or otherwise interact with us (collectively, the “Services”).

Express Pesa Transfer Inc. is a Canadian money services business registered with the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”).

By using our Services or providing personal information to us, you acknowledge the practices described in this Privacy Policy.

1. Personal Information We Collect

The information we collect depends on how you interact with Express Pesa and the Services you use.

1.1 Account and Contact Information

We may collect information such as:

• Full name;

• Email address;

• Telephone number;

• Residential or mailing address;

• Date of birth;

• Username or other account identifiers; and

• Communication preferences.

1.2 Identity Verification and Compliance Information

As a money services business, we may be required to collect information necessary to verify your identity and comply with applicable anti-money-laundering, anti-terrorist-financing, sanctions, fraud-prevention, and other legal requirements.

This information may include:

• Government-issued identification information;

• Copies or images of identification documents;

• Date and place of birth;

• Nationality or country of residence, where required;

• Occupation or employment information;

• Information used to verify your identity;

• Information regarding the source or purpose of funds, where required;

• Information required for regulatory screening and compliance checks; and

• Other information that we are required or permitted by law to collect.

1.3 Transaction and Financial Information

When you request or complete a money transfer, we may collect:

• Transfer amounts;

• Currency and exchange-rate information;

• Payment information;

• Bank account, payment account, or other financial information, as applicable;

• Transaction dates, times, status, and reference numbers;

• Transaction history;

• Information about the purpose of a transaction, where applicable; and

• Records relating to attempted, cancelled, refunded, or completed transactions.

We may receive some payment information directly from financial institutions, payment processors, or other service providers involved in processing your transaction.

1.4 Recipient and Beneficiary Information

When you send money to another person, we may collect information about the recipient or beneficiary, including:

• Full name;

• Telephone number;

• Mobile money account or wallet information;

• Bank or other payment account information, where applicable;

• Country and location information;

• Relationship to the sender, where required; and

• Other information necessary to process the transfer or comply with applicable law.

If you provide us with personal information about another person, you are responsible for ensuring that you are authorized to provide that information to us.

1.5 Device and Technical Information

When you access our website or mobile application, we may automatically collect certain technical information, such as:

• IP address;

• Device type;

• Operating system;

• Browser type and version;

• Device identifiers;

• Application version;

• Language settings;

• Log and diagnostic information;

• Date and time of access; and

• Information about how you interact with our Services.

1.6 Communications and Customer Support

If you contact us by email, telephone, WhatsApp, through our website, through our application, or by another communication channel, we may collect and retain the information you provide, including the content of your communications and information necessary to resolve your request.

2. How We Use Personal Information

We may use personal information to:

• Create and administer user accounts;

• Provide our money transfer services;

• Process, complete, verify, cancel, or refund transactions;

• Deliver funds to designated recipients;

• Calculate exchange rates, fees, and transaction amounts;

• Verify your identity;

• Authenticate users and protect accounts;

• Detect, investigate, and prevent fraud, unauthorized transactions, money laundering, terrorist financing, sanctions violations, and other unlawful activity;

• Meet our obligations as a registered money services business;

• Maintain records required by applicable laws and regulations;

• Make reports or disclosures to FINTRAC, law enforcement, regulators, courts, government agencies, or other authorities when required or permitted by law;

• Respond to questions and provide customer support;

• Communicate important information regarding transactions, accounts, security, or changes to our Services;

• Operate, maintain, troubleshoot, secure, and improve our website, applications, and Services;

• Analyze the performance and use of our Services;

• Enforce our agreements and protect our rights, users, employees, partners, and the public;

• Comply with legal, regulatory, tax, accounting, and reporting requirements; and

• Carry out other purposes that we identify when the information is collected or for which we obtain your consent.

3. Consent

Where required by applicable law, Express Pesa obtains consent for the collection, use, or disclosure of personal information.

The form of consent may vary depending on the nature and sensitivity of the information and the circumstances in which it is collected.

You may withdraw your consent to certain uses of your personal information, subject to legal, regulatory, contractual, and operational restrictions.

Because Express Pesa provides regulated financial services, there is certain information that we must collect, use, retain, or disclose regardless of whether you later withdraw consent. If information is necessary for us to provide a requested Service or comply with our legal obligations, withdrawing consent may prevent us from continuing to provide some or all of the Services to you.

4. How We Share Personal Information

We do not sell your personal information.

We may disclose personal information in the circumstances described below.

4.1 Service Providers

We may share information with third parties that provide services on our behalf or help us operate the Services, including providers of:

• Cloud hosting and data storage;

• Identity verification and KYC services;

• Fraud prevention and compliance screening;

• Payment processing;

• Banking and financial services;

• Mobile money and payment networks;

• Information technology and cybersecurity;

• Communications and customer support;

• Data analytics;

• Professional, accounting, audit, and legal services; and

• Other infrastructure necessary to provide money transfer services.

These service providers may only use personal information as necessary to perform services for us or as otherwise permitted by applicable law.

4.2 Financial and Money Transfer Partners

We may disclose information to banks, payment processors, mobile money operators, financial institutions, correspondent institutions, agents, payout partners, and other organizations involved in processing or delivering a transaction.

Because Express Pesa provides international money transfers, transaction information may need to be transmitted to organizations located outside Canada, including organizations in the recipient's country.

4.3 Regulatory and Legal Disclosures

We may disclose personal information to FINTRAC and to other regulatory, governmental, law-enforcement, judicial, or public authorities where required or permitted by law.

This may include disclosures made to:

• Comply with anti-money-laundering and anti-terrorist-financing requirements;

• Comply with sanctions or other financial restrictions;

• Report transactions or activities where required by law;

• Respond to subpoenas, warrants, court orders, or lawful requests;

• Investigate or prevent fraud, security incidents, or unlawful activity; or

• Protect our legal rights or the safety and security of Express Pesa, our customers, or others.

Where the law permits or requires us to make a disclosure without informing you, we may do so.

4.4 Business Transactions

If Express Pesa is involved in a merger, acquisition, financing, reorganization, sale of assets, or similar business transaction, personal information may be disclosed to parties involved in evaluating or completing the transaction, subject to applicable legal requirements.

5. International Transfers of Personal Information

Express Pesa operates an international money transfer service. As a result, your personal information may be transferred to, processed by, or stored with service providers, payment partners, financial institutions, mobile money operators, or other organizations located outside your province or outside Canada.

Personal information processed in another jurisdiction may be subject to the laws of that jurisdiction and may be accessible to courts, law enforcement, regulators, or governmental authorities in accordance with those laws.

We take reasonable steps to ensure that third parties handling personal information on our behalf provide an appropriate level of protection.

6. Retention of Personal Information

We retain personal information only for as long as reasonably necessary to:

• Provide the Services;

• Maintain appropriate business and transaction records;

• Resolve disputes;

• Prevent fraud and abuse;

• Enforce our agreements; and

• Satisfy legal, regulatory, accounting, reporting, and compliance obligations.

As a regulated money services business, Express Pesa may be legally required to retain certain identity, transaction, and compliance records for specified periods.

When personal information is no longer required, we will take reasonable steps to securely delete, destroy, or anonymize it, subject to applicable legal requirements.

7. Security

Express Pesa uses administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, alteration, copying, misuse, or destruction.

These safeguards may include, as appropriate:

• Encryption of information in transit and at rest;

• Access controls and authentication measures;

• Restricted employee and contractor access;

• Monitoring and logging;

• Secure infrastructure and network controls;

• Internal policies and procedures; and

• Security reviews and incident-response processes.

However, no electronic transmission or storage system can be guaranteed to be completely secure. You are responsible for maintaining the confidentiality of your account credentials and for notifying us promptly if you believe your account or information has been compromised.

8. Cookies and Similar Technologies

Our website and mobile applications may use cookies and similar technologies to:

• Enable essential website and application functionality;

• Maintain sessions and user preferences;

• Protect against fraud and unauthorized activity;

• Understand how our Services are used;

• Diagnose technical problems; and

• Improve our Services.

Some cookies or technologies may be provided by third-party service providers.

Where required by applicable law, we will obtain appropriate consent before using non-essential cookies or similar technologies.

You may be able to control cookies through your browser or device settings. Disabling certain cookies may affect the functionality of the Services.

9. Analytics and Third-Party Services

We may use third-party tools to help us understand application and website performance, identify technical problems, improve our Services, or communicate with customers.

These providers may receive technical information such as your IP address, device information, application activity, or other information necessary to provide their services.

[Before publication: list any material analytics, crash-reporting, marketing, authentication, or tracking providers here if applicable, for example Google Analytics, Firebase, Meta, etc.]

10. Marketing Communications

Where permitted by applicable law, we may use your contact information to communicate with you about Express Pesa products, services, promotions, or updates.

You may unsubscribe from promotional electronic communications using the unsubscribe mechanism included in the communication or by contacting us.

Even if you opt out of marketing communications, we may continue to send non-promotional communications that are necessary to administer your account or transactions, address security matters, or provide the Services.

11. Your Privacy Rights

Subject to applicable law, you may request:

• Access to personal information that Express Pesa holds about you;

• Information about how your personal information has been used or disclosed;

• Correction of inaccurate or incomplete personal information; or

• Withdrawal of consent where consent is the applicable basis for our use of the information.

Certain information may be excluded from an access request where permitted or required by law.

We may also need to verify your identity before processing a privacy-related request.

To make a request, contact us using the information in the Contact Us section below.

12. Third-Party Websites and Services

Our Services may contain links to websites, applications, payment services, or other services operated by third parties.

Express Pesa is not responsible for the privacy practices of third parties that operate independently from us. We encourage you to review their privacy policies before providing personal information to them.

13. Privacy Breaches

If we become aware of a breach involving personal information, we will investigate and take appropriate steps to contain and address the incident.

Where required by applicable law, we will notify affected individuals and applicable regulatory authorities.

14. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our Services, business practices, technology, legal requirements, or regulatory obligations.

When we make changes, we will update the “Last Updated” date at the beginning of this Policy.

If changes are material, we may provide additional notice through our website, mobile application, email, or another appropriate method.

15. Contact Us

Express Pesa is accountable for personal information under its control.

Questions, concerns, complaints, requests for access or correction, and other privacy inquiries may be directed to:

Express Pesa Transfer Inc.
Email: contact@expresspesatransfer.net
Address:
Telephone: +1-819-574-1354
Website: https://expresspesatransfer.net/

We will review and respond to privacy inquiries in accordance with applicable law.