Privacy Policy

This Policy applies to information we collect about business contacts, authorized signers, beneficial owners, employees of customer organizations, senders and recipients of transactions, website visitors, and applicants. It does not apply to third-party websites, applications or services that link to or from the Services.

Identity and KYC/KYB data. Legal name, date of birth, nationality, government-issued identification, tax identification numbers, entity formation documents, ownership structure, beneficial-ownership information, and images of identity documents where required.

Contact data. Business and personal email addresses, phone numbers, WhatsApp numbers, and postal addresses.

Transaction data. Sender and recipient information, amounts, currencies, corridors, purpose of transaction, funding source, payout method, counterparties, timestamps, and related metadata.

Financial data. Bank account details, card details processed through PCI-compliant providers, source-of-funds documentation, and settlement information.

Compliance data. Sanctions and watchlist screening results, adverse-media results, enhanced due-diligence findings, risk scores, and case-management notes.

Technical data. IP address, device identifiers, browser type, operating system, referring URLs, session logs, API request metadata, and security telemetry.

Communications. Records of messages, calls, WhatsApp conversations, support tickets and correspondence with us, which we may retain and monitor for quality, training and compliance.

We collect information directly from you, from your organization, from authorized users, from senders and recipients of transactions, from public registries and government databases, from credit bureaus and identity-verification providers, from sanctions and watchlist providers, from banking and payout partners, and from cookies and similar technologies (see the Cookie Policy).

We use information to:

• provide, operate, maintain and improve the Services, including onboarding, transaction execution, payout, settlement, and customer support;
• verify identity and ownership; conduct KYC, KYB and enhanced due diligence; and screen against sanctions, PEP and watchlists;
• detect, investigate and prevent fraud, unauthorized access, money laundering, terrorist financing and other prohibited activity;
• meet legal, regulatory, licensing, tax, reporting and record-keeping obligations, including Bank Secrecy Act, FinCEN, state money-transmission and sanctions requirements;
• respond to lawful requests from regulators, law enforcement and courts;
• administer accounts, enforce agreements, collect amounts owed and defend legal claims;
• send service messages, security notices and, where permitted, marketing communications you may opt out of.

Where applicable data-protection law requires a legal basis for processing, we rely on: performance of a contract with you or your organization; compliance with a legal obligation (including MSB, AML and sanctions obligations); our legitimate interests in operating, securing and improving the Services and preventing financial crime; and, where required, your consent (which you may withdraw at any time without affecting prior processing).

We share information with:

• banks, payout partners, correspondent institutions, card networks and other financial-services providers needed to execute transactions;
• identity-verification, sanctions-screening, fraud-prevention, cloud-hosting, analytics, communications and other service providers acting on our behalf under written obligations of confidentiality and security;
• regulators, law enforcement, tax authorities and courts where required by law, subpoena, court order or valid legal process, or where necessary to protect rights, safety or property;
• affiliates within the Transamericas group and our consumer-facing brands acting as technology and service channels of Transamericas;
• parties to a merger, acquisition, financing, reorganization or sale of assets, subject to appropriate confidentiality protections.

We do not sell personal information.

Information may be processed in the United States and in other countries where we or our service providers operate. Where required, we implement appropriate safeguards for cross-border transfers, including contractual protections.

We retain information for as long as needed to provide the Services and to comply with our legal, regulatory, tax, accounting and record-keeping obligations. Records relating to money-transmission activity, KYC/KYB and AML monitoring are typically retained for at least five (5) years after the account is closed or the transaction is completed, and longer where a longer period is required by law or by a pending investigation or legal proceeding.

We maintain administrative, technical and physical safeguards designed to protect information, including encryption in transit and at rest, access controls, network segmentation, logging and monitoring, and personnel training. No system is completely secure; we cannot guarantee absolute security.

Subject to applicable law and our regulatory obligations, you may have rights to access, correct, delete, restrict or object to processing of your personal information, to data portability, and to withdraw consent. To exercise these rights, contact us at information@transamericaspay.com. We may need to verify your identity and may decline requests where retention or processing is required by law (for example, MSB record-keeping obligations).

U.S. residents in states with applicable privacy laws may have additional rights, including the right to opt out of certain data sharing and the right to non-discrimination for exercising privacy rights.

The Services are directed to businesses and are not intended for children under 18. We do not knowingly collect personal information from children.

We may update this Policy from time to time. Material changes will be communicated through the dashboard, email or another reasonable channel. The "Last updated" date at the top reflects the current version.

Privacy questions, requests and complaints may be sent to information@transamericaspay.com.

Transamericas Services Corporation
154 Adams St, Newark, NJ 07105
United States