Privacy Policy

Privacy Policy - US and Canada and The Philippines

v. 2021.01 (August 2021) The main change compared to the previous version 2020.02 is the disclosure that Chime Inc. (dba Sendwave) is now part of the WorldRemit Group.

This Privacy Policy describes the way Chime Inc., a Delaware (USA) corporation doing business through our mobile phone application, Sendwave, and its affiliate Sendwave Canada Inc. (collectively, "Sendwave" or "us") obtains, uses, stores, manages and disposes of certain information that you, as a user of our services, provide to us. You have certain rights, described below, to know what information we collect, how we use it, and how you may obtain and correct it.

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Sendwave first collects information about you and about the person to whom you are sending money (your "Beneficiary") from the data you supply on the Sendwave application (the "App"). When you provide information to Sendwave, through the App or otherwise, you are warranting to Sendwave that all of the information you provide to us about yourself and about your Beneficiary is accurate and complete. Sendwave is relying on your warranty when Sendwave provides the Service to you. The information you provide includes Personally Identifiable Information, which is defined as information that can be used, on its own or with other information, to identify you.

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In addition to the information you provide, Sendwave may have, or may obtain from third parties, information about you or your Beneficiary, some of which may be Personally Identifiable Information. More information about these third parties appears below. Sendwave uses this information to provide its services to you, and to help protect you, the Sendwave service, your Beneficiary and the general public from mistakes, fraud, money-laundering and other problems.

Sendwave is a fully-owned subsidiary of the WorldRemit Group, which includes WorldRemit Corp and WorldRemit (UK) Limited. For a list of companies in the WorldRemit Group ("WorldRemit") see www.worldremit.com. For the WorldRemit Privacy Policy see https://www.worldremit.com/en/about-us/privacy-policy 

Collection of Information

The initial information we collect from you is the information that you provide to us on the Sendwave App or on our website. This includes information about yourself, such as your full legal name, address, date of birth, telephone number, email address, last four digits of your social security number (if a U.S. Citizen), as well as other information and/or documentation that will allow us to verify your identity. You must also provide us with information about an approved payment source, such as your debit card, and information about your Beneficiary, which may include sensitive personal information such as your Beneficiary's name, address, mobile phone number and/or bank account information. When you give Sendwave permission to access your contacts on your mobile phone we only use that information to auto-populate fields when you add a new recipient as a Beneficiary, we do not upload your contacts to our server. Sendwave may also collect information from your mobile phone or other device from which you access the Sendwave App, including your IP (Internet Protocol) address, operating system, device identification information, and other information associated with your access to and use of the App. Sendwave may also collect information about the websites you have visited prior to accessing the Sendwave service. Sendwave may keep and store such information and associate it with your use, in order to help Sendwave identify you and facilitate your use of our service in the future.

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Sendwave may verify and confirm all of the information that you provide to us (or that we otherwise collect from your accessing the Sendwave App) with third parties, including the financial institution that issued the payment card you propose to use, and the telecommunications company or financial institution through which your money is sent to your Beneficiary. Sendwave may also verify such information with identitfy verification services, electronic databases, social media companies and credit reporting agencies. Sendwave may share your information with the banks, telecommunications providers and other financial services firms who facilitate payment to your Beneficiary. From time to time, Sendwave may require you and/or your Beneficiary to provide us with additional information and/or documentation to confirm your identitfy and your eligibility to use the Sendwave service.

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When you access the Sendwave app, Sendwave may collect and store information regarding your use of the App and the service. This includes information about the frequency with which you access the App, the time you spend there, the way you move through the site, your transfer history, and details regarding the amount of money you transfer and your Beneficiaries.

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If you contact us for any reason, whether by telephone, email, text or otherwise, Sendwave may record and store communications that you have with us.

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Use of Information

Sendwave may maintain and use all of the information and documentation that you provide, as well as information that we derive from your use of the service, and the information that we obtain about you from third parties, in order to provide the Sendwave service to you, and to enable Sendwave to comply with laws and regulations, including those intended to prevent fraud, money laundering, and other abuses of the financial system. Sendwave may use your information to contact you as necessary to confirm or complete a transaction, and to allow our agents, partners and service providers to fulfill their obligations in providing the Sendwave service to you. Sendwave may also use your information to improve our service, to troubleshoot problems, to develop new products and services, and to create advertising, marketing and promotional campaigns. We will ask for your consent to send you marketing communications about products and services offered by Sendwave and WorldRemit via email, SMS, push notifications, and mail. More information about Sendwave's use of your data for marketing and promotion is below. Finally, Sendwave may disclose your information to third parties, including government agencies, when Sendwave reasonably determines that such disclosure is required by law, such as responses to subpoenas and information requests by law enforcement, financial services regulators or national security authorities.

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Sendwave will not sell, rent or otherwise disclose your information to third party marketers or others unaffiliated with Sendwave for the purpose of advertising, promoting or selling other services to you. However, where and to the extent allowed by law, Sendwave may work with third parties to analyze the information that we gather from you when you visit us on-line, including our website, our Facebook page, and our Facebook advertisements, whether or not you use the Sendwave service. Sendwave may use the information we gather there, along with the information we obtain from your use of our service, which may include Personally Identifiable Information, to advertise and promote Sendwave services to you and to others. For example, Sendwave provides data to Facebook's Ad Manager account and SDK programs, which provide us with information about the ways customers and other visitors access, view and use the Sendwave website and application. We use that information to create advertisements and promotions; such advertisements and promotions may appear in your Facebook feed or on other sites owned or operated by Facebook, such as Instagram. We may customize our marketing and promotional messages to you based on your use of our service, the information that you provide to us or which we otherwise obtain about you, and algorithms designed to help us anticipate your potential needs, based on your information and the information of others who use Sendwave services. Sendwave believes that such programs provide valuable information and benefits to our current and potential users. However, if you live in a jurisdiction where such use of your data for marketing and promotional purposes requires your permission, Sendwave will not use your data for these purposes unless you "opt in" to such uses.

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Opting Out of Marketing Communications

If you have a Sendwave account, you can opt out of receiving Sendwave marketing communications by modifying your email or SMS subscriptions by clicking on the unsubscribe link or following the opt-out message included in the communication. 

Alternatively, simply send an email to compliance@sendwave.com with “URGENT - UNSUBSCRIBE REQUEST” in the subject line and the email address that you wish to be removed within the email.

Please note that if you request we stop sending you Marketing messages or you unsubscribe, we may continue to send you service and administrative communications such as transfer updates and other important information on your transaction.

Protection of personal information collected by Sendwave

Sendwave's leading security experts and practices help ensure that your Personally Identifiable Information is secure. All such information is stored on servers with state-of-the-art data protection technology, and is accessible only to Sendwave employees who, for business purposes, need to access it. We use 128-bit encryption and encode your debit card information as soon as it is entered in the Sendwave app, a process that overwrites your details so that they are unreadable by unauthorized parties.

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No method of transmission over the internet, or method of electronic storage, is 100% secure, however. Although Sendwave uses strong methods to protect the data that you provide to us, and we regularly test our information protection practices and technology, Sendwave cannot absolutely guarantee its security. We will, however, notify you of any breach or other compromise that affects your data, promptly and in compliance with applicable law.

International transfer of your personal information

Due to the international nature of our business, we may need to transfer your personal information to other Sendwave or WorldRemit entities, to other third parties as noted in the “Use of Information” section of this policy, and recipients, in connection with the purposes set out in this policy. For this reason, we may transfer your personal information to other countries that may have different laws and data protection compliance requirements to those that apply in the country in which you are located.

Use of Cookies and other Tracking Devices

Sendwave uses "cookies" and other tracking devices to help us recognize you, remember your preferences and facilitate your future transactions and other interactions with us. We also use such tracking devices to help us understand consumer behavior on our App, in order to help us improve it and make it easier for future use. You may be able to disable your device's use of cookies, but that may slow or prevent your ability to use the Sendwave service.

Your Right to Access and Correct Your Personal Information

You have the right to access your personal information stored by Sendwave, subject to applicable laws and in accordance with relevant data protection regulations and Sendwave's policies intended to prevent fraud and other abuses of financial services. In order to do so, you can contact us at compliance@sendwave.com. If the information Sendwave has maintained about you is wrong, incomplete or otherwise inaccurate, you have the right to require Sendwave to correct it or correct the information yourself directly in the App.

Special Notice for California Customers

This section provides additional details about the personal information we collect about California consumers and the rights afforded to them under the California Consumer Privacy Act or “CCPA.”

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For details regarding what information we collect from our users, please see the “Collection of Information” section above. To learn more about how the information is used for our business purposes, please review the “Use of Information” section above as well. We may disclose and share personal user information with third party partners as detailed in the “Collection of Information” section. 

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SALE OF YOUR PERSONAL INFORMATION: Sendwave will not sell (as such term is defined in the CCPA), rent or otherwise disclose your information to third party marketers or others unaffiliated with Sendwave for the purpose of advertising, promoting or selling other services to you. But we may allow affiliated WorldRemit companies to use your information; if you would prefer to opt out of such sharing, which may be considered a "sale" under the CCPA, just contact us at compliance@sendwave.com

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Subject to certain limitations, the CCPA provides California consumers the right to request to know more details about the categories or specific pieces of personal information we collect (including how we use and disclose this information), to delete their personal information, to opt out of any “sales” that may be occurring, and to not be discriminated against for exercising these rights.

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California consumers may make a request pursuant to their rights under the CCPA by contacting us at compliance@sendwave.com. We will verify your request using the information associated with your account, including email address. Government identification may be required. Consumers can also designate an authorized agent to exercise these rights on their behalf.

Destruction of Information

In general, Sendwave maintains information about each transaction for five years. After that period, Sendwave may destroy such information, and it will no longer be available to you or anyone else. However, there may be circumstances in which Sendwave is required to maintain information for longer periods, if required by law or regulation.

Privacy Policy Changes

Sendwave's privacy policy may change in the future. If that happens, the revised version will be posted on our website, www.sendwave.com, and will be sent to current users via the email addresses associated with their Sendwave App registrations.