QR Pay Remit

Updated 24 June 2024

The QR Pay Remit Company, our subsidiaries, and affiliates (“QR Pay Remit” or “we” or “us”) care about your privacy and are committed to processing your personal information in accordance with fair information practices and applicable data protection laws to better serve you. For a list of local Western Union entities, please see the “QR PAY REMIT LEGAL ENTITIES” section of this Global Privacy Statement.

SCOPE OF THIS GLOBAL PRIVACY STATEMENT

At QR Pay Remit, we are committed to making financial services accessible to people everywhere. This commitment to our customers includes doing the right thing with their personal information.

The purpose of our Global Privacy Statement is to explain how we collect, use, store, protect, disclose, and share your personal information when you use any of our services online through our website, in retail, and through our mobile apps, as well as to inform you of your choices about the way your information is collected and used.

PERSONAL INFORMATION WESTERN UNION COLLECTS

When you use our money transfer or other financial services, such as our digital wallet or prepaid card; contact us; access or register an account on our websites or applications; or join our loyalty programs (collectively, the “Services”), we collect personal information about you and may use it along with other information collected or generated during our relationship with you. We collect different types of personal information relating to you, which may include:

Your personal information and identifiers: Basic personal information such as your name, contact information (for example, your postal address, email address, telephone number), photo or other image of you (if you choose to provide it), place of birth, date of birth, gender, citizenship, occupation, marital status, and government or national identification numbers and accompanying documentation;
Your financial and transactional information: Financial and transactional information such as your money transfers, payments, deposits and the source/destination of funds for each, information about how you use our Services, bank and credit information, and employer information;
Recipient personal information: Name and contact information relating to recipients to whom you send or from whom you request or receive money or with whom you otherwise choose to transact when using the Services;
Your technical information: Technical information, such as the host from which you access the internet, your IP address or device advertising ID, geolocation if enabled, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, social profile and network information, the date and time you access our websites, and the address of the site from which you linked to our website when you visit us. We collect personal information on your online activities as described in the section titled “INTERNET TECHNOLOGIES.”;
Your sensitive personal information: Sensitive or special categories of information, such as biometric information used to uniquely identify you (for example, fingerprints or facial recognition) or criminal conviction information. We will only hold this data when we need to for the purposes of the Services which we provide to you, where we are processing the data for a substantial public interest, where we have a legal obligation, or where we have your consent to do so;
Your information from third party sites or services: If you link, connect, or login to QR Pay Remit websites or mobile applications using a third party service (e.g., Google and Facebook), you direct the relevant third party service to send us information such as your name, email address, profile picture, and other information as controlled by that service or as authorized by you via your privacy settings with that service.

HOW WESTERN UNION COLLECTS PERSONAL INFORMATION

QR Pay Remit collects your personal information in several ways, including:

Information that you give to us in person, online or through our mobile app including through transaction forms, registrations for our financial services or loyalty programs, interactions with Western Union agents and business partners;
Information that you provide to us while we provide customer support or consultation, including using email, postal mail, call centers, online chatbots, or live chat;
Information that others may provide about you through the use of our Services;
Information that we learn about you through the use of our Services;
Information about you that is acquired through automated means, such as communications protocols, email communications, and cookies or similar INTERNET TECHNOLOGIES;
Information about you that is acquired through our vendors, fraud risk management companies, law enforcement bodies, commercial and public data sources, and other lawful third-party data sources which we may use to augment our customer information;
Information about you that is acquired through your use of social media; and
Information about you that is acquired through your interest in advertisements placed by or about Western Union on our own or third party sites.

HOW QR PAY REMIT MARKETS TO ITS CUSTOMERS

Subject to your preferences, we will notify you of offers, promotions, and updates regarding our products and Services or other products and services that may be of interest to you. These may include offers by email, telephone, postal mail, SMS, social media, and other communication or digital channels.

You can opt out of receiving direct marketing communications at any time. If you no longer want to receive direct marketing-related communications from us, you may opt out by following the instructions in the relevant electronic communication, by adjusting your settings in your digital bank or wallet account or app, or by contacting us as described in the “CONTACTING US” section.

Please note that if you opt out of receiving marketing-related communications from us, we may still send important service, administrative, or transaction-related communications to you.

INFORMATION FROM CHILDREN

We do not direct our Services or products towards children under the age of 18. We do not knowingly collect information from our website or mobile apps from persons under the age of 18.

EXTERNAL WEBSITES

Our websites may be linked to or from third party websites. We have not reviewed, do not control, and are not responsible for the content or privacy practices employed by websites that are linked to or from our websites. We do not assume responsibility for any of these sites, 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 there, or any results that may be obtained from using them.

WHO QR PAY AFRICA SHARES YOUR PERSONAL INFORMATION WITH

For any of the purposes listed in this Statement, we may disclose applicable personal information including, but not limited to, your name, contact information, national identification number and/or related documentation, customer ID number, address, transaction details and patterns, and bank account information to the following types of organizations or parties:

QR Pay Africa companies and affiliates, including those listed in the section titled “QR PAY AFRICA LEGAL ENTITIES”;
Our agents or business partners who facilitate the money transfer or payment transaction or other specific Services you have requested;
Vendors, payments processors, banking partners, and data processors contracted to provide business and customer services;
Services providers, based on your consent where applicable, including those that provide marketing services, advertising services, shopping services related to our loyalty programs, and customer satisfaction and market research services on our behalf. Such sharing may include sharing with third parties (such as social media companies) to facilitate more relevant and targeted advertising;
Vendors and data processors contracted to help us validate the accuracy of the information provided by you, and to authenticate your identity and manage risks related to security, fraud, and identity; and
Third parties that you have authorized to access your account and/or your account information in order to perform Services for you, such as account information service providers and payment initiation service providers.

If you are a customer of a Service that allows for a public profile, you may choose to make your profile publicly visible. This may include sharing limited personal details such as name, photo of you, available currencies of your account, and the fact that you are a customer. Also, if you are a bank or wallet account customer, other bank or wallet account customers may also be able to search for you with your phone number as well as utilize a QR code you may provide in order to transact with you. We may transmit your personal information in connection with a sale or transfer of all or part of our business. We may also disclose your personal information globally, as required or permitted by applicable laws and regulations, to regulatory and financial authorities, credit reporting agencies, law enforcement bodies, courts, governments, or government agencies to meet compliance and legal obligations or to assert or defend the rights and interests of QR Pay Remit or others.

INTERNATIONAL TRANSFERS OF PERSONAL INFORMATION

We transfer your personal information to parties in countries outside the country in which it was collected, including but not limited to the USA, as permitted or required by applicable law, regulatory authorities, law enforcement, and government agencies. Additionally, when you send or receive money to or from another country, we will also be required to share some of your personal information with that country as required or permitted by law. We transfer certain personal information about you to our data centers located in the USA or within a region as required by local law and process it to fulfill our legal and compliance obligations which apply to our Services. By using the Services, you acknowledge that such transfers of information outside of your country of residence may occur.

TRANSFERS FROM THE EEA, THE UK, AND SWITZERLAND

Personal information transferred outside the EEA, the UK, and Switzerland to countries that the European Commission or UK Information Commissioner’s Office (ICO) have not found to provide adequate protection will be protected by appropriate Standard Contractual Clauses or other EU or UK –approved mechanisms, as required by law.

RETENTION OF PERSONAL INFORMATION

Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected, or to resolve any query you may raise. We subscribe to data minimization principles and strive to retain information for no longer than necessary for the purpose(s) for which it was obtained.

ACCESSING, DELETING AND CORRECTING YOUR PERSONAL INFORMATION AND CHANGING YOUR CHOICES

Right	Description	How to exercise
Right to know and access	You have the right to know if we are processing your personal information and to ask us for a copy of your information free of charge. You have the right to request a structured and machine-readable copy of certain information you have provided to us.	If you use our Services online or via mobile app, you may log into your account at any time to access your statements, transactional information, and certain personal information. To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.
Right to stop marketing communications	You have the right to stop us from sending you marketing communications.	If you are a registered user of westernunion.com as a digital money transfer consumer, you may also visit qrpayremit.com and edit your profile settings to change your marketing communications and third-party data sharing preferences. To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.
Right to correction	You have the right to ask us to correct information about you that is incomplete, inaccurate or out-of-date.	To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.
Right to deletion, restriction, and objection	You have the right to ask us to delete certain information about you, to restrict certain uses of information relating to you, and to object to certain uses of it.	To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.
Right to withdraw consent	To the extent we are processing personal information based on your consent, you may withdraw your consent as permitted by applicable law.	To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.
Right to lodge a complaint	You also have the right to lodge a complaint with a relevant data protection regulator or supervisory authority about our processing of personal information.	To exercise these rights, please contact QR Pay Remit through the section titled “CONTACTING US”.

Additional rights may also be available in various jurisdictions under local laws. These will be accessible via the means provided above.

CONTACTING US

If you have a question or complaint about how we handle your personal information, we ask that you put your inquiry in writing. We will investigate your inquiry and generally respond to you in writing within 30 days of receipt. You can also contact us, including our Data Protection Officer, at privacy@qrpayremit.com.

To contact us via a toll-free or local phone number, please click the “Contact Us” link in the footer of the applicable Western Union webpage to find contact information specific to your region.

CHANGES

We may modify this Global Privacy Statement from time to time, and updated privacy statements will be posted on this Website when amendments occur. We encourage you to review this Global Privacy Statement when you visit to obtain the most current statement.

USA CITIZEN (INCLUDING CALIFORNIA RESIDENTS) PRIVACY NOTICE

For consumers in the USA (including those in California, Nevada, North Dakota, Texas and Vermont) please follow this link to QR Pay Remit’s Privacy Notice.

For California residents, please see the California Resident Addendum to this Global Privacy Statement.

MEXICAN CITIZEN PRIVACY NOTICE

For consumers in Mexico, please see the Mexican Resident Addendum to this Global Privacy Statement.

BRAZILIAN CITIZEN PRIVACY NOTICE

For consumers in Brazil, please see the Brazilian Resident Addendum to this Global Privacy Statement.

JAPANESE CITIZEN PRIVACY NOTICE

For consumers resident in Japan, notwithstanding any other provisions contained in this Global Privacy Statement, we will treat your Japanese Personal Identification Number (“My Number”) and its supporting documents in compliance with any applicable laws and regulations as described in this section.

We collect your My Number and supporting documents designated by us solely for the purpose of confirming your My Number as required by and in compliance with the Act on Submission of Statement of Overseas Wire Transfers for Purpose of Securing Proper Domestic Taxation of Japan (Act No. 110 of 1997, as amended).

QR PAY REMIT LEGAL ENTITIES

For a list of local QR Pay Remit legal entities, please see here: “QR PAY REMIT LEGAL ENTITIES.”

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