Privacy policy

The sendchap.com website and Send Chap services in Canada are operated by DEV STUDIOS CANADA INC. (“Send Chap”, “we”), incorporated in Ontario (Canada) — No. 100811538, with its head office at 1608-9 Valhalla Inn Road, Etobicoke (Ontario) M9B 0B2, Canada.

DEV STUDIOS CANADA INC. is registered with FINTRAC as a money services business (No. C100000009) and with the Bank of Canada as a payment service provider. Questions about your data: privacy@sendchap.com.

2.1 Data you provide:

• Contact form: name, company, work email, country, solution of interest, estimated volume, message, plus the site language and page the request was sent from.
• Account opening and management: identity (name, date of birth, ID document), contact details, address, business information (legal name, address, registration number, tax ID, articles, directors and beneficial owners).
• Transactions: bank and payment details, beneficiary information, amounts, currencies, invoices and supporting documents.

• Responding to sales, partnership or support enquiries (basis: your consent and our legitimate interests).
• Verifying the identity of clients and beneficial owners (KYC/KYB) and preventing fraud (basis: legal obligations).
• Executing payments, currency conversions and requested services (basis: performance of the contract).
• Meeting our anti-money laundering, anti-terrorist financing, sanctions screening and record-keeping obligations (basis: legal obligations).
• Keeping the site and services secure, reliable and improving them (basis: legitimate interests).

We do not sell your personal data. We only share it with:

• Our payment and FX partners (banks, Mobile Money operators, liquidity providers), to the extent needed to execute transactions.
• Our technical providers, acting on our behalf and on our instructions: website hosting, identity verification, request management tools. Requests submitted through the contact form are received via Formspree (Formspree, Inc.).
• Competent authorities, where required by law (including FINTRAC, courts or supervisory authorities), or to protect our rights and our clients’ security.

As our business is international, your data may be processed outside your country, including in Canada, France (website hosting), the United States or the countries of the corridors involved in your transactions. We put appropriate contractual safeguards in place to ensure an equivalent level of protection.

• Contact requests that do not lead to a relationship: 3 years after the last exchange.
• Client data, transaction records and verification documents: at least 5 years after the end of the relationship or the transaction date, as required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA).
• Technical connection data: no more than 12 months.

We apply appropriate technical and organizational measures: encrypted communications, access control, logging, and careful selection and oversight of our providers. No system is infallible, so we cannot guarantee absolute security, but we will notify you of any incident where the law requires it.

Depending on the applicable law — including the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada, Quebec’s Law 25, Côte d’Ivoire Law No. 2013-450 on personal data protection or the General Data Protection Regulation (GDPR) — you have rights of access, rectification, deletion, objection, restriction and portability, and the right to withdraw your consent. Some data must nevertheless be kept to meet our legal obligations.

To exercise your rights, email privacy@sendchap.com. We may ask you to verify your identity. If you believe your request has not been handled properly, you may contact the competent authority, such as the Office of the Privacy Commissioner of Canada, ARTCI in Côte d’Ivoire or the data protection authority in your country.

This site uses no advertising cookies and no audience measurement tools. Only elements strictly necessary for it to work may be used. If measurement or tracking tools are added, a banner will let you accept or refuse them before any use.

We may update this policy. The current version is published on this page with its update date. We will inform you of any significant change through appropriate means.

Questions about your data: privacy@sendchap.com. Postal address: DEV STUDIOS CANADA INC., 1608-9 Valhalla Inn Road, Etobicoke (Ontario) M9B 0B2, Canada.

We are DEV STUDIOS, trading as Send Chap:

• a limited liability company (sarl) under ivorian law, established at Cocody Riviera Palmeraie, Abidjan, Côte d’Ivoire;
• a fintech providing the public with a mobile app for money transfers between Mobile Money networks;
• a payment service provider on its own behalf and/or on behalf of payment service providers;
• a distributor and technical operator of electronic money.

This policy explains which data we collect, why, and how we process, store and share it. It applies to users of the Send Chap app, visitors to our websites and people who contact us. The policy for our employees and applicants is provided to them separately.

By using our services, you acknowledge this policy and consent to the processing that relies on your consent.

• Direct collection, under our contract: identity (names, date of birth, ID document, photo), phone number, email, address, transaction data (amounts, beneficiaries, networks used), bank details where applicable.
• Indirect collection: technical data about your device and use of the app (technical identifiers, connection logs, IP address).
• Data from partners: information from Mobile Money operators, payment institutions and identity verification providers needed to execute your transactions and meet our obligations.

We process your data for five main purposes:

• Providing and operating our services (performance of the contract).
• Managing the customer relationship and support.
• Meeting our legal and regulatory obligations: anti-money laundering, counter-terrorist and proliferation financing, international sanctions and embargoes, fraud prevention, tax and accounting obligations.
• Managing the data transfers needed to execute your transactions.
• Running our financial management and accounting.

Within the limits allowed by regulation, your data may be shared with:

• authorized Send Chap departments and staff;
• our providers and subcontractors acting on our behalf;
• regulators and supervisory authorities, financial and judicial authorities, and public agencies in Côte d’Ivoire, where required by law;
• certain regulated professions (lawyers, notaries, auditors), in case of litigation or audit;
• our technology partners and payment institutions, including OVH, Bizao, InTouch, Hub2, Wave CI, Moov CI, MTN CI and M Target, which are under contract with us and comply with their own data protection obligations.

As Send Chap is a company under Ivorian law, your data is mainly processed and stored in Côte d’Ivoire.

Some of our partners are located, or host their data, outside Côte d’Ivoire, including outside ECOWAS (notably in France). These transfers go to countries offering an adequate level of protection, after completion of the required formalities with ARTCI.

Your information, transactions and related documents are kept for ten (10) years, in line with applicable regulation and for our accounting, customer relationship management, defence of our rights and regulators’ requests.

Requests sent through our websites’ contact forms that do not lead to a relationship are kept for three (3) years after the last exchange.

Under Articles 28 et seq. of Law No. 2013-450 of 19 June 2013 on the protection of personal data, you have the following rights:

• access and information, including a copy of your data;
• rectification and updating of inaccurate, incomplete or outdated data;
• the right to be forgotten and to erasure;
• the right to query the processing concerning you;
• the right to object, on legitimate grounds;
• portability, restriction of processing and control of your consents.

Given the nature of the data and the risks, we take the appropriate technical and legal precautions to keep your data secure, prevent it from being altered or damaged and prevent access by unauthorized third parties.

Questions: support@sendchap.ci.