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Privacy Policy

Dollar Links (“we”, “us”, “our”) is committed to protecting the privacy, security, and accuracy of our clients’ personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), administered by FINTRAC

1. Information We Collect

1.1 Identification Information

  • Full name
  • Date of birth
  • Address
  • Email / phone number
  • Occupation

1.2 Verification Information (FINTRAC Requirements)

  • Government-issued identification
  • Copies or scans of identification (where permitted)
  • KYC information
  • Source of funds / source of wealth
  • Beneficial ownership information (for business clients)

1.3 Transaction Information

    Money transfer amounts
  • Currency exchange details
  • E-transfer records
  • Payment and receipt information

1.4 System and Compliance Data

  • Device and login information
  • Suspicious activity checks
  • FINTRAC-required monitoring records
  • Name-matching results
  • Risk assessment information

2. Collection of Selfie (Biometric) Verification Images

To ensure the safety of our customers and verify that no third party is using your account, Dollar Links collects selfie images.

2.1 Purpose of Selfie Collection

  • Confirm that the customer is the actual user of the app
  • Match your selfie with the ID you provided
  • Prevent third-party or impersonation fraud
  • Comply with FINTRAC identity verification rules
  • Protect your account from unauthorized access

2.2 Storage and Protection

Selfie images are stored securely using:

  • Encrypted systems
  • Restricted employee access
  • Secure cloud infrastructure
  • Mandatory data retention standards
  • Selfie images are never used for marketing or sold to third parties.

Selfie images are never used for marketing or sold to third parties.

3. E-Transfer Privacy & Verification Rules.

3.1 Existing Customers Only

To protect against third-party misuse, we only accept e-transfers from existing verified customers.New customers must complete verification before using e-transfer.

3.2 Name-Matching Enforcement

The name on the e-transfer sender’s bank account must match the name on the customer’s Dollar Links account. We use this rule to prevent:

  • Third-party deposits
  • Fraud
  • Identity misuse
  • Compliance violations

If names do not match, the e-transfer may be

  • Declined
  • Returned
  • Placed under compliance review

3.3 No Third-Party Transfers

We do not accept:

  • Payments from friends or relatives
  • Payments from shared bank accounts
  • Payments sent on behalf of a customer

All transactions must originate from the verified customer.

3.4 E-Transfer Amount Limits ($100–$990)

To maintain compliance and avoid unnecessary reporting triggers, we limit e-transfer amounts to:

  • Minimum: $100 CAD
  • Maximum: $990 CAD

Transfers outside this range will not be accepted.

4. How We Use Your Information

  • Identity and age verification
  • Processing transactions
  • Fraud and risk monitoring
  • Name-matching validation
  • Compliance screening (AML/ATF)
  • FINTRAC reporting requirements
  • Customer support
  • Internal security and auditing

We do not sell or trade your personal information.

5. Mandatory FINTRAC Reporting

Under the PCMLTFA, Dollar Links must report specific transactions to FINTRAC without customer consent, including:

  • Suspicious Transaction Reports
  • Large Cash Transaction Reports
  • Electronic Funds Transfer Reports
  • Large Virtual Currency Transaction Reports

We are legally prohibited from notifying customers when such reports are filed.

6. Protection of Your Information

We use technical and organizational safeguards:

  • Data encryption
  • Secure servers
  • Anti-fraud systems
  • Two-factor identity checks
  • Employee access controls
  • Regular compliance audits

7. Data Retention

As required by FINTRAC:

  • Identification records: 5 years
  • Transaction records: 5 years
  • Compliance records: minimum 5 years

8. Access & Correction Rights

Customers may request:

  • Access to their personal information
  • Corrections to inaccurate information

Requests may be limited by compliance obligations.

9. Third-Party Service Providers

We may share information with:

  • Banks
  • Payment processors
  • ID verification services
  • Compliance partners

All providers must meet strict privacy standards.

10. Cookies & App Tracking

The app may use:

  • Banks
  • Cookies
  • Device and usage analytics
  • Security and fraud detection technologies

11. Contact Us

For privacy questions or requests:

  • Dollar Links – Privacy Officer
  • Email: f-zia@live.ca
  • Phone: 403-680-6786
  • Address: 119 Dundas Street East Mississauga ON L5A1W7