888-534-8441 PRIVACY POLICY The Privacy Policy describes how InterCambio Express collects, protects, and uses the non-public personal information of our consumers. PRIVACY POLICY INTERCAMBIO EXPRESS APPLICATION PRIVACY POLICY This Privacy Statement describes how we collect and use your nonpublic personal information (“Information“). It applies only to consumers with a United States mailing address. InterCambio Express is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. IEI’s sites (for the purposes of this Policy, “sites” includes www.InterCambioExpress.com, our mobile websites, and our mobile applications) and the services associated with it. By using the InterCambio Express website, you consent to the data practices described in this statement. We are committed to protecting our customers’ privacy and security. This Privacy Policy explains what personal information we collect about you, with whom we share it, and how you (the user of the Service) can direct us not to share certain information with certain parties. “Personal Information” refers to information that can be used to identify an individual. You should read this Privacy Policy in its entirety. INFORMATION WE COLLECT We may collect information about you and your Recipient, which may include non-public Personal Information: • Information that you provide us in the course of using the Service, such as your name, address, email address, and telephone number(s). We may also collect certain sensitive information from you including your bank account number, credit or debit card number, date of birth and social security number or Tax Identification Number; • Information that you provide us in the course of your participation in referral or other promotional programs; • Information about your usage of the Service, including your Transaction history, how you use the Service to send or receive Transactions, and to and for whom you send Transactions; • Information that we indirectly obtain from you, such as information about the device, hardware and software you use when accessing the Service, your IP address, the pages you access on our websites, and other websites that you visit prior to accessing the Service. We may combine this automatically collected log information with other information we collect about you. We do this for fraud prevention, to improve our Service, and to improve our marketing, analytics, and website functionality; • Recordings of your communications with our Customer Service department and electronic communications; You may occasionally receive push notifications through our mobile applications, we will send you marketing messages and other Service or Transaction-related notifications that may be of importance to you. You may at any time opt-out from receiving these types of communications by turning them off at the device level through your settings or through the mobile application settings; We gather information automatically and store it in log files. This information may include your internet protocol (IP) address, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. WHY WE COLLECT INFORMATION We collect information for the following purposes: • To process your Transactions; • To verify your identity; • To collect payment for your use of the Service; • To troubleshoot problems with the Service; • To comply with applicable KYC, BSA/AML laws; • To send you marketing notices, service updates, and promotional offers. We will retain your account information, including but not limited to your payment source information and Personal Information about you, your Recipient, or your Beneficiary, as needed to provide you Service, as required by applicable law, to resolve disputes and to enforce our agreements. We abide by strict security standards, but if you wish to cancel your account and stop using our Service, contact us at +1 (833) 444-4833 (toll-free in the U.S.). However, we might need to retain some information. HOW WE SHARE INFORMATION WITH OTHERS We do not sell or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. However, we may share information about you and your beneficiary (including nonpublic, Personal Information) with: Law enforcement, government officials or other third parties, but only: – In connection with a formal request, subpoena, court order, or similar legal procedure; or – When we believe in good faith that disclosure is necessary to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations ACCESS TO YOUR INFORMATION If your personal information changes, or if you no longer wish to use our Service, you can access, modify, delete or update your Personal Information submitted on our websites by contacting our Customer Service at: BY MAIL: InterCambio Express Inc. 426 N. Main Street Elkhart, IN 46516. USA BY TELEPHONE: +1-888-534-8441 SECURITY We employ industry-accepted standards in protecting the information you submit to us on our websites. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted on our websites. USE OF YOUR INFORMATION Federal and state laws allow you to restrict the sharing of your Personal Information in certain instances. However, these laws also state that you cannot restrict other types of sharing. You can opt-out from promotional email messages to you by contacting us at the same information in section 4. TELL US WHAT YOU THINK InterCambio Express welcomes your comments regarding this Statement of Privacy. If you believe that InterCambio Express has not adhered to this Statement, please contact us at the same information in section 4. SHARE WITH YOUR FRIENDS If you choose to use our Refer a Friend program to tell a friend about our Service, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the websites. We store this information for the sole purpose of sending this one-time email and tracking the success of our Refer a Friend program. Your friend may request removal from our Refer a Friend program by following the instructions in the promotional email message we send out and providing the required information. CHANGES TO THIS POLICY We may amend this policy at any time, and shall notify you by posting a revised version on our websites. Should we make a substantial change to the manner in which we collect, use, or store Personal Information about you, your Recipient, or your Beneficiary, we shall provide prior notice on our websites, or by email. CONTACT You can contact us with any questions or concerns at: BY MAIL: InterCambio Express Inc. 426 N. Main Street Elkhart, IN 46516. USA BY TELEPHONE: +1-888-534-8441 Updated and Effective on July 19, 2018 KEEP YOUR MONEY SAFE OUR SECURITY MEASURES IDENTIFICATION VERIFICATION We employ sophisticated modeling which enables us to quickly spot suspicious transactions. We use Extended Validation SSL Certificates which provide the strictest requirements and strongest visual signals to verify security. TEAM OF SECURITY EXPERTS Our security team consists of experienced professionals who are committed to protecting your money every day. FRAUD PROTECTION We keep on top of all the new fraud strategies used by the bad guys so we can help you avoid making costly mistakes. HELPFUL LINKS Automated Agencies Site Agent Training Site All money transmissions are provided by Intercambio Express, Inc. pursuant to its various State money transmitter licenses. 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