Privacy Policy

XCOOP Inc. takes your privacy very seriously. This Privacy Policy applies to XCOOP websites (for the purposes of this Privacy Policy, "websites" include, our mobile websites and our mobile applications) and associated services ("XCOOP" or "the service"). This Privacy Policy applies solely to the Service and does not apply to the practices of any other XCOOP Inc. services. Terms used but not defined in this Privacy Policy have the meanings assigned to them in our User Agreement.

We are committed to protecting the privacy and security of our clients. In this Privacy Policy we explain what kind of personal information we collect about you, to whom we disclose it, and how you (the user of the Service) can ask us not to disclose certain information to certain parties. The term "Personal Information" refers to information that can be used to identify a person. Please read this Privacy Policy in its entirety. Some sections may apply differently to residents of different jurisdictions.

1. Information We Collect

We may collect the following information about you, your Recipient, your Sender, or your Beneficiary, which may include Personal Information that is not public:

Information that you provide to us while using the Service, such as your name, physical address, email address, and telephone number (s). We may also collect sensitive information that may include your bank account number, your debit or credit card number, your date of birth, your SSN, DNI, CI, RG, CC, DUI, DPI, TDI, CURP, CIP. , CIC, CIE, etc. according to the jurisdictions;

Information that you provide to us when you participate in various promotional programs of our partners;

To facilitate our Service, we ask you for certain Personal Information or the directory on your mobile device, such as the full name, postal address, email address and telephone number of your Beneficiary, Sender or Recipient. We may also collect confidential financial information from the Recipient or Beneficiary, including the billing account numbers and balances of the Service Companies' accounts and bank accounts and routing numbers.

Information about your use of the Service, including your Transaction History, how you use the Service to send or receive Transactions and to whom and to whom you send Transactions;

Information that we legally obtain from third parties such as service companies, identity verification services, electronic database services, and credit reporting agencies;

Information that we indirectly collect about you, such as information about the device, hardware, and software you use when accessing the Service, your IP address, the pages you visit on our websites and other websites you visit before entering the Service . We may combine this automatically collected registration information with other information that we collect about you. We do this to prevent fraud, to improve our Service, and to improve our marketing, analytics, or website functionality;

Records of your communications with our Customer Service department, including telephone calls and electronic communications; Y

The type of device you use, version of the operating system and device identifier.

We do not request, request access to, or track any location-based information on your mobile device at any time while you download or use our mobile applications or the Service.

We may occasionally send you push notifications through our mobile applications, with marketing messages and other notifications related to the Service or Transactions, which may be important to you. You can decide not to receive this kind of communication at any time by blocking it in the settings of your device or in the settings of the mobile application.

We and our third party providers, including our marketing partners and analytics providers, may also use "cookies", web beacons, tags, scripts, and similar technology ("cookies"). Cookies are small data files that are saved on your computer or mobile device to, among other things, administer the website, track and analyze trends in the use of our websites, remember your preferences when you return to the website, and collect information about our users together. The information we store in cookies may include your email address, as well as information that does not personally identify you.

You are free to not accept the "cookies" we include, if your Internet browser allows it, but this could interfere with your use of our Service. Our Privacy Policy does not cover the use of cookies by our third-party service providers. You can reject these cookies if your browser allows it. We do not have access or control over them. Similarly, some of our vendors or third-party marketing partners display our advertisements on various sites on the Internet. These providers or partners may use cookies to collect information about your activities on our website and other sites in order to serve you advertising based on your browsing activity. We do not have access to or control over the cookies that these providers use, but you can reject some of their practices. Please note that this option does not prevent advertisements from being shown to you.

As with most websites, we collect certain 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, timestamp and / or number of clicks. From time to time, we may combine this automatically collected information with other information that we collect about you for analytics, security, content generation or marketing purposes.

We may use analytical tools, in order to develop and analyze the use of the Service. Analytics companies may have access to anonymous data (such as your advertising identifier or device identity) to help us understand how the Service is used. They use this data on our behalf and use this data for their own purposes exclusively in an aggregate way; they do not share the data with an individual user, but only in limited circumstances.

We may use mobile analytics software to help us better understand the functionality of our mobile software on your mobile device. This software can record information about how often you use the mobile applications, what happens within the mobile applications, total usage, performance data, and where the mobile application was downloaded from. We may link the information that we store in the analytics software with any Personal Information that you submit through the mobile applications.

We currently do not recognize "do not track" signals that your browser may launch. We collaborate with third parties, for example marketing or analytics partners, who may collect information about online activities over time and across different websites when you use our websites. We employ "LSO" local storage objects, such as flash cookies and local storage, such as HTML5, to prevent fraudulent or unauthorized logins. Third parties that we partner with to provide some features on our websites or to display advertising based on your web browsing activity also use flash cookies and HTML5 to collect and store information. Several browsers offer their own management tools for removing HTML5 LSO objects. Disabling LSOs may affect the performance of our Service.

2. Why we collect information

We collect information for the following purposes: To process your Transactions; To verify your identity;

To charge for your use of the Service; To enable our partners to fulfill their promotional obligations to you;

To fix problems with the Service; To comply with applicable laws, regulations, and standards, such as those related to "know your customers" and anti-money laundering requirements;

To detect and prevent fraud and other illegal uses of the Service and To send you marketing notices, service updates and promotional offers.

We will retain your account information, including but not limited to information about your payment source and Personal Information about you, your Recipient or your Beneficiary, as necessary to provide you the Service, as required by applicable law, to resolve disputes and to enforce agreements. XCOOP follows strict security standards, but if you wish to cancel your account and stop using the XCOOP Service, contact us at Customer Service. After your account is canceled, we will retain your account information as required by applicable laws, regulations, and standards.

3. How we share information with third parties

Unless you authorize, the information we collect is not sold or rented by third parties who use it for promotional purposes. However, we may share information about you, your Recipient, or your Beneficiary (including Non-Public Personal Information) with:

Members of or divisions within the XCOOP corporate family, as necessary to provide the Service to you, to provide joint content, products and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal actions and violations of our policies and, to guide decisions about your products, services and communications.

Other third-party service providers under contract with XCOOP, or its affiliates to assist us in our business operations, such as transaction processing, fraud prevention, and marketing. We share your Personal Information with these companies only to the extent necessary to provide our Service to you;

Third parties with whom we partner to offer additional products and services, such as phone minutes for long distance calls, gift cards or loyalty points, but only when you choose to participate and / or to receive information about those additional services and products . If you do not want us to share your Personal Information with these partners, please contact us at Customer Service.

In the event of the sale, acquisition or merger of some or all of our assets, Personal Information about you, your Recipient or your Beneficiary, could be included in the transferred assets. In the event that this occurs, we will notify you and, by means of a notice posted on our websites, we will inform you which options you can choose in relation to your Personal Information.

Law and government officials or other third parties, but only: in connection with a formal request, subpoena, court order, or similar legal proceeding; or when we believe in good faith that disclosure is required to comply with the law, prevent physical harm or financial loss, report suspected illegal activity, or investigate violations of our User Agreement.

Our websites offer public access blogs. You should be aware that any information you provide there can be read, collected and used by other people who have access to it. Please do not post any information that you prefer to keep private, including but not limited to your email address, physical address, or XCOOP Transaction information.

4. 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 the Personal Information sent to our web pages by logging into your account and changing the preferences, or you can also contact us at Customer Service. We will respond to your request within a reasonable period of time.

5. Security

We use accepted industry standards to protect the information you provide to us on our websites. We implement SSL (Secure Socket Layer) encryption technology to protect your confidential information transmitted through our websites. We also require that each user who wishes to view their information on our websites provides a username and password. However, no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security.

6. Your choices regarding how we use your information

Federal and state laws allow you to restrict the disclosure of your Personal Information in certain cases. However, these laws also state that you cannot restrict other types of disclosure.

If, after you have given us your permission to share your Personal Information with third parties with whom we jointly market our products, you decide that you no longer want us to share such information, you can contact us by email.

You can also choose to stop receiving promotional emails to your email or blog subscription by accessing the email preferences in "My Account" or by selecting the "Unsubscribe" option that appears in each promotional email or blog that we send and offer the required information. You can also contact us at Customer Service.

7. Complaints

If you have a complaint, please contact Customer Service first. If you are a Texas resident and you still have an unresolved complaint regarding XCOOP Inc. money transfer activity, please send your complaint to: Texas Department of Banking: 2601 North Lamar Boulevard; Austin, Texas 78705, by phone at: 1-877-276-5554 (toll free); online at: or by email at: [email protected]

8. Third party sites

Our websites contain links to other websites. We are not responsible for the privacy practices or the content of such other websites. We recommend that you familiarize yourself with the privacy practices of those other websites before participating in them or providing your Personal Information to them.

Our websites include social media features such as the Facebook "like" button and "widgets" such as the "share" button or interactive mini-programs that run on our websites. These functions may record your IP address, which page you are visiting on our websites, and may create a cookie for the function to work properly. Social media features and widgets may be hosted on a third party's server or directly on our websites. Your interactions with these functions are governed by the privacy policy of the provider company.

9. Referrals

If you choose to use our "Reach Out" program to tell a friend about our Service, we will ask for your friend's name, email address and / or cell phone number. We will automatically send your friend a single email AND / or SMS inviting them to visit our websites. We keep this information for the sole purpose of sending this single email and / or SMS and, tracking the success of our "Alert" program. Your friend can ask to be excluded from our "Warn him" program by following the instructions we give you in the promotional email we send you and providing the required information.

10. Applications.

If you wish to use our Service to send a request for money, we will ask you for the email address and / or mobile number of your potential Sender, in order to send your request by email and / or sms to your potential Sender, to through the website. We save your potential Sender's information for the sole purpose of sending your request by email and / or SMS and to track the success of our request service. Your potential Sender can request to be removed from our application service, following instructions in the email message that we send you and, providing the required information.

11. Importing contacts.

You can import contacts from almost any email account for use of our Service. We save the username and password of the email account from which you import your contacts and will use it solely for this purpose. We may also collect names, physical addresses, email addresses, and phone numbers of contacts that you import, in order to facilitate the Service.

14. Changes to this policy.

We may modify this policy at any time, and we will notify you by posting a revised version on our website. In the event that we make a substantial change to the way we collect, use or store Personal Information about you, your Recipient or your Beneficiary, we will inform you in advance on our websites or by email.

13. Contact.

If you have any questions or concerns, you can contact us at: Customer Service or by Email.