Viamericas Privacy Policy Regarding Non Public Personal Information Collected in the United States

Viamericas works hard to protect the security and confidentiality of your personal information. In accordance with the provisions of the Gramm-Bleach-Bliley Act, Viamericas maintains policies and procedures regarding the collection and disclosure of information considered to be "nonpublic personal information."


What Information We Collect, and Why. Viamericas obtains nonpublic personal information about our consumers from information that consumers provide on transaction forms and applications. This information is necessary to facilitate the consumer's transactions. We routinely ask for your name, address, and telephone number, as well as the same information for the person to whom you are sending money. If you are paying for a money remittance or other services with a credit card, debit card, or check, we need your account identification.

If you cannot give us some of this information, or if there are other factors that indicate a higher risk of mistake, loss, fraud, or illegality, we may need to ask you for additional information (such as your Social Security, passport, or driver’s license number) and confirm some of these details with a telephone call (to an employer, landlord, or financial institution, for example) or through an automated service that checks directories, consumer reporting agencies, public records, and other available data collections. We may store a record of the result of this security check so that it will not have to be repeated every time you order services from us.

We ask you for limited information about yourself and about the person to whom you wish to send money and we may confirm those details and seek additional information from third parties, for the following reasons:

• To carry out the transaction according to your instructions
• To allow us to provide customer service by answering your questions and following up on transactions and inquiries
• To prevent fraud or loss to yourself, to us, or to other persons
• To conduct financial, technical, or security tests and audits
• To collect amounts owed to us and to report fraud or delinquency to consumer reporting agencies or law enforcement authorities
• To establish claims or defenses in litigation
• To make insurance claims or applications
• To comply with applicable laws and regulations
• To comply with judicial orders, subpoenas, warrants, or lawful requests from regulatory or law enforcement authorities.

Transaction Records. When you contact our Call Center and instruct us to send a money remittance, we make a record of that transaction and send the necessary instructions onward to our affiliate, agent, or partner who will handle the delivery in the recipient’s country. We maintain those records as long as the statutory period in which claims could be made in the event of a dispute. We may use some of this transaction history to create a customer profile that will allow us to serve you more efficiently and to offer you relevant products and services. (You may decline to have your transaction history profiled for marketing and customer service purposes, as explained below.) We may also review transaction records for the other purposes listed above in What Information We Collect, and Why.

Disclosing Personal Information to Others. To the extent required for the limited purposes listed above in What Information We Collect, and Why, we may share the necessary personal or transaction details with (a) companies (such as banks, payment processing services, and retail merchants) that perform a part of the transaction that you have requested, (b) our employees, agents, independent contractors, data processors, auditors, bankers, insurers, lawyers, consultants, and other service providers(c) third-parties providing verifying data as mentioned in the preceding paragraph, (d) consumer reporting and bill collection agencies, and (e) government officials, courts, and litigants. We will not provide your e-mail address, postal address, or telephone number to our business partners or other unaffiliated third parties for the purpose of offering you products and services, but we may include their offers in messages that we send you, unless you decline to receive such offers (see Offers and Contacts).

Security. Viamericas employs technology, expert services, and operational procedures designed to protect the integrity and confidentiality of our communications and data processing and storage. These practices (including encryption, firewalls, physical access controls, and other appropriate techniques) meet or exceed the regulatory requirements and examination guidelines established by the relevant US federal and state financial services supervisory agencies.

Offers and Contacts. We would like to present you with special offers for products and services from Viamericas, its affiliates, or selected business partners, that we believe will be of interest to you. Unless you instruct us otherwise, we may use the information you provide, our transaction records, Customer Service records, and (to the extent permitted by law) information from the third-party sources mentioned above in What Information We Collect, and Why, to select appropriate offers for you. We will not give your contact information to others, except contractors acting on our behalf to send you an offer, but we may include offers from affiliates and selected business partners in our messages to you. Please be aware that if you respond to offers from anyone other than Viamericas, they may contact you directly and you will need to inform them of your preferences, as Viamericas is not responsible for their privacy practices.

You have no obligation to purchase these products and services, and you may continue to use the services of Viamericas even if you choose not to be contacted about special offers.

Please let us know if you prefer not to be contacted about products and additional services available from Viamericas, or from others, by calling Customer Service at 1-800-401-7626. You may also indicate if you prefer not to be contacted by telephone, mail, or e-mail. You may change your preferences at any time. Please allow up to four weeks for the preferences (or changes) to take effect fully, as there may be mailings, for example, already in process. Also, if you have used a different form of your name or changed your postal or e-mail address, you should give us your preferences using each version of your name and address. You agree to the annual electronic delivery of the Viamericas Privacy Statement.

Effective June 30, 2006. The practices and policies contained in this disclosure are subject to change, but we will communicate any material changes as required by applicable law.