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Finmark Financials

Compliance and KYC

Finmark Financials is registered with “FINTRAC” (the Canadian government anti-money laundering and monitoring agency), operates and follows the Canadian act of Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and due diligence.



For a complete description of the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) see Fintrac-Canafe.Gc.Ca

The Financial Transactions and Reports Analysis Centre of Canada, or FINTRAC, is Canada's financial intelligence unit, a specialized agency created to collect, analyze and disclose financial information and intelligence on suspected money laundering and terrorist activities financing. Created in July 2000, the Centre is an integral part of our country's engagement in the global fight against money laundering and the financing of terrorist activities.
The Centre was created to detect and deter money laundering by providing critical information to support the investigation or prosecution of money laundering offences. In December 2001, this mandate was expanded to include the detection and deterrence of terrorist activity financing.
More specifically, FINTRAC's mandate is to:

Receive and collect reports on suspicious and prescribed financial transactions and other information relevant to money laundering and terrorist activities financing;
Receive reports on the cross-border movement of large amounts of currency or monetary instruments;
Analyze and assess the information it receives;
Provide law enforcement financial intelligence that would be relevant to the investigation or prosecution of money laundering offences and terrorist activity financing offences as well as to provide CSIS with financial intelligence that would be relevant to threats to the security of Canada;
Ensure that personal information under its control is protected from unauthorized disclosure;
Ensure compliance by financial intermediaries and other reporting entities with their obligations under the Act and regulations;
Enhance public awareness and understanding of matters related to money laundering and terrorist financing.
Our Privacy Commitment
Finmark Financials is committed to respecting and protecting your privacy. We value your trust and want you to understand how we protect, collect, use, and disclose information about you.
Please read this notice carefully to understand what we do. All financial companies need to share consumers' personal information to run their everyday business. In the sections below, we list the reasons financial companies can share their consumers' personal information; the reasons Finmark Financials chooses to share; and whether you can limit this sharing. This privacy statement applies to information about you we obtain anytime you interact with Finmark Financials, for example when you visit our websites, complete transaction forms at agent locations, online, or contact Finmark Financials call centers. We want to ensure you are aware of our practices for collecting, using, disclosing, and processing personal information with strict confidentiality.
Information We Collect
Finmark Financials collects personal information about you from a variety of sources in the course of providing money transfer and payment services and related products and services we provide. Personal information we collect and the sources of such personal information include the following:

We collect personal information when you ask us to send or receive money or to provide other goods or services, provided by telephone, online at our Web site, through paper-based forms or at Finmark Financials agent locations. This personal information may include identities and contact information of senders and recipients of money transfers or payments, credit card, banking or other billing information, birth dates and other personal identifiers, questions used to verify your identity for security and fraud prevention purposes, identification number and amounts paid or transferred.

We collect personal information when you submit personal information on applications or other forms to us or our affiliates,
including in connection with sending and receiving money transfers, through your enrolment and participation in loyalty programs and when you provide additional information we may reasonably request for fraud prevention purposes.

We collect information about your transactions with us, including transaction history, such as frequency of use and amounts transferred.

In connection with identify verification, fraud prevention and similar security purposes, we collect and/or confirm certain identity-related information, financial background and similar information through third parties sources such as our business customers, government agencies and consumer reporting agencies;

We may collect personal information otherwise with your consent or as permitted or required by law.

How We Use It
We use personal information in a number of ways, including:

For our everyday business purposes such as to process your transactions, maintain your account(s), manage and administer our business and records, prevent fraud, abuse, and other actual and potential prohibited or illegal activities, meet legal, regulatory, insurance, security and processing requirements, respond to court orders and legal investigations, or report to credit bureaus;

For our marketing purposes such as to offer our products and services to you, better understand how you use or may benefit from our products and services, manage our ongoing relationship with you, tailor offers, coupons, and incentives we believe may be of interest to you, and to assure overall good service;

To offer timely promotions based on special events and holidays, including (a) local, regional, or national holidays; (b) religious observances; and (c) cultural or life events;

For our affiliates' everyday business purposes such as information about your transactions and experiences;

Otherwise with consent or as permitted or required by applicable law. Finmark Financials its agents or authorized delegates, companies that provide services on our behalf, or third parties as necessary to process transactions that you have requested or authorized.

Finmark Financials may store personal information on databases in the Canada or other countries for these purposes. As permitted by applicable law, we may merge personal information with public information or other information received from reputable sources to update contact information or to enhance demographic profiles. Personal information will be subject to the laws of the country in which it is located including lawful access requests by government authorities. The laws of these countries (which may include countries outside the European Economic Area) may not have similar data protection laws to the European Economic Area.

Information We Disclose
We may disclose your personal information to our affiliates and to unaffiliated third parties in connection with the purposes described in this Privacy Statement as follows:

Provide Services: In order to process and complete requested money transfers and payments, we may disclose personal information to the recipient of a money transfer or payment, to local Finmark Financials affiliates at the sender’s or receiver’s location, as applicable, to authorized Finmark Financials agents (both at the sender’s and the recipient’s location), and, if applicable, the recipient and any intermediary banks or other financial institutions or financial services companies involved in the transaction or our services.

Service Providers: Finmark Financials may transfer personal information to outside agents or service providers (including affiliates of Finmark Financials acting in this capacity) that perform services on our behalf, for example marketing, information technology and/or data hosting or processing services. Some of these service providers or affiliates may be located outside of Canada, and your personal information may be collected, used, disclosed, stored and processed for the purposes described in this Privacy Statement. We take reasonable measures to ensure that personal information that may be processed by these service providers on our behalf is protected and not used or disclosed for purposes other than as directed by us, subject to legal requirements of government authorities in those countries.

Business Transactions: Your personal information may be used by Finmark Financials and disclosed to parties connected with the contemplated or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including, for example, your service account with us), for purposes related to the evaluation and performance of these transactions, including:

Permitting such parties to evaluate and determine whether to proceed or continue with the transaction.

Fulfilling reporting, inspection or audit requirements or obligations to such parties.

Successors and assigns of Finmark Financials and/or its business or assets may use and disclose your personal information for similar purposes as described in this Privacy Statement.

Legal, Regulatory, etc. Legal, Regulatory, etc. Finmark Financials may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable Canadian and foreign laws). This may include lawful requirements to disclose personal information to government authorities in Canada and in foreign countries, for example disclosures in compliance with suspicious activity reporting requirements under anti-terrorism, anti-money laundering and similar laws and regulations in Canada or in foreign countries.

Accuracy & Access
Finmark Financials wants to ensure that the information we obtain and use about you is accurate for its intended purpose and therefore we have processes to help maintain the accuracy of the personal information we collect. You can request access to your personal information or help us maintain accurate records by informing us of changes or modifications to your personal information by using one of the methods listed under "Contact Us."

We will also take reasonable steps to verify your identity before granting you access or enabling you to make corrections. Finmark Financials will retain personal information only for the time period needed for business purposes or as required by law and will securely destroy such information thereafter.
Data Security
To protect your personal information from unauthorized access and use, we use security measures that comply with applicable law. These measures include computer safeguards and secured files and buildings.

Finmark Financials uses physical, technical, and administrative security measures to protect against loss, misuse, and alteration of personal information under our control. Finmark Financials uses industry-standard practices and security measures to safeguard such personal information we collect.

Access to personal information is restricted to employees and service providers who need to have access to that information as described in this privacy statement, in accordance with applicable laws. Our service providers are required to observe standards for the security, collection, use, and sharing of personal information, and to comply with applicable law.
Contacting Finmark Financials
Should you have further questions regarding our privacy statement, about how your personal information is used, or about how to exercise your right of access, rectification, or objection as per applicable law, you can contact us directly at the address below.

Finmark Financials.
Attn: Privacy Dept.
3031A Hurontario Street,
Mississauga, ON L5A 2G9
Alternatively you may call us at: 1-(905) 272 3887 or email us at:

For further information , we appreciate your queries at 1-905 272 3888 anytime