Last updated November 28, 2023
Click here for a printable PDF version of this Privacy Notice.
Currency Exchange International, Corp. (“CXI”, “we”, or “us”) is committed to protecting the privacy and security of personal information in its possession or custody. This Privacy Notice explains what information about you we collect, use, disclose, store, retain, or otherwise process when you request or obtain our products or services, use our website, and otherwise interact with us (collectively the “Services”).
This Privacy Notice applies to current and prospective consumers of CXI and visitors to the websites and applications that facilitate the offering of such Services.
We may amend this Privacy Notice at any time by posting a revised version on our website. Unless otherwise stated, the revised version will be effective at the time we post it. We recommend you visit this page regularly to be kept aware of any changes.
Our Privacy Notice explains:
How Long We Keep Your Information
Special Information For California Residents
Special Information For Individuals in the EU/UK
This section describes our practices when you interact with CXI in connection with one of the products we offer, or otherwise access CXI’s websites. Information obtained by CXI from an individual consumer of a financial product or service offered by CXI is subject to special regulations and exemptions. CXI is subject to federal privacy obligations under the Gramm-Leach-Bliley-Act ("GLBA") and, as such, information collected by CXI from you which is covered by the GLBA is exempt from the obligations set forth in this Notice. For more information, please see our GLBA Notice.
1.1. Information You Provide to Us. If you communicate with us or use the Services, we may collect the following types of information:
1.2. Information Obtained From Third Parties. We may obtain information about you from third parties, such as identity verification and fraud prevention vendors. For business consumers, we may also obtain credit reports from consumer reporting agencies in connection with the use of certain Services we may offer you or that you may obtain from us.
1.3. Information We Learn From You. When you interact with our website, certain information about you is automatically collected via cookies and similar technologies (referred to collectively herein as cookies). Cookies are small text files that are stored within your device's memory by a website. Cookies enable a website such as ours to keep track of your activities to improve user experience, advertise our Services, and facilitate important security features. Some cookies may be hosted on third-party systems. The cookies on our website collect the following information:
We use the information collected via cookies to understand our consumer base, advertise our Services to you and other prospective consumers, monitor the performance of our Services, improve the user experience, and to ensure the security of our Services.
We use Google Analytics to conduct analytics and to collect information about usage of the Services. You can learn more about privacy and Google Analytics here. In general terms, Google Analytics collects information on how often users visit the Services, what pages or features of the Services they use, and what other websites users visited prior to accessing the Services. You may prevent your data from being collected and used by Google Analytics by opting out through the use of the Google Analytics Opt-out Browser Add-on.
We also use Google Ads and Facebook Pixel to customize our advertising and to serve you ads based on your browsing behavior. These partners use cookies to serve you ads based on your prior visits to our Services and other websites on the internet. These cookies allow your behavior to be tracked after you have been redirected to our Services by clicking on an ad. You can learn more about Google Ads here. You can opt-out of personalized advertising from Google by visiting Ad Settings. You can learn more about Facebook Pixel here. You can opt-out of displaying Facebook ads and sharing by visiting your Facebook Ad Settings, and you can clear and control the information third parties share with Facebook in your Off-Facebook Activity page.
Please note we use other cookies for the above described purposes. To get more information on these cookies and to select your preferences, visit cookie management platform.
CXI may use your information for any of the following purposes:
CXI may disclose your personal information as follows:
CXI will retain your personal information for as long as is necessary to complete the purposes for which it was collected, or as may be required by law. California law requires us to provide information regarding the criteria we use to determine the length of time for which we retain personal information.
We utilize the following criteria to determine the length of time for which we retain information:
Individual pieces of personal information may exist in different systems that are used for different business or legal purposes. A different maximum retention period may apply to each use case of the information. Certain individual pieces of information may also be stored in combination with other individual pieces of information, and the maximum retention period may be determined by the purpose for which that information set is used. For more information on how we apply retention criteria, please see Special Information for California Residents.
CXI takes a variety of measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. For example, we take steps to limit access to information to those CXI employees, agents, and contractors who have legitimate business reason to access such information. We also use measures like encryption and hashing to help protect information when in transmission. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information.
If you are a California resident, you have the right under the California Consumer Privacy Act (“CCPA") to receive notice of the categories of personal information we collect, the purposes for which those categories of personal information will be used, how we share the personal information, and how we determine the length of time for which the personal information is maintained. You are also entitled to receive notice regarding your rights under the CCPA.
How to read the below charts:
Collection, Use, and Sharing - Business Contacts
We collect personal information subject to the CCPA when we interact with an employee, representative, or agent of a business customer, vendor, or other business entity located in California. This disclosure covers the information that may be collected about you and not about the business on whose behalf you interact with us.
Category | Required Information |
---|---|
Identifiers | Name, email address, phone number, business or other contact address Source: Directly from you or from the business entity you represent Purpose of collection and use: The purposes listed in Section 2 above Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: The amount of time we will retain your identifiers depends on your relationship with the business you represent. |
Internet or other similar network activity | Device ID, browsing history, search history, and information regarding your interaction with our website, application, or advertisement Source: Automatically generated when you use our websites or applications Purpose of collection and use: All purposes listed in Section 2 above Categories of parties to whom personal information is sold: Advertising networks; data analytics providers Categories of parties to whom personal information is disclosed: Service providers Retention Considerations: Internet or other network activity information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Collection, Use, and Sharing - Individual Consumers
Most of the information we collect about you is financial information or information collected in the context of our relationship as your money transmitter and is covered by the GLBA. However, in certain circumstances, we may collect information that is outside the context of our financial relationship. This information includes:
Category | Required Information |
---|---|
Identifiers | Name, email address, phone number, other contact address Source: Directly from you Purpose of collection and use: The purposes listed in Section 2 above Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: If you become a customer of CXI, we retain your information for the length of time for which you are a customer, and for a period thereafter to comply with our legal obligations and otherwise support our fraud prevention activities. If you do not become a customer, information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Internet or other similar network activity | Device ID, browsing history, search history, and information regarding your interaction with our website, application, or advertisement Source: Automatically generated when you use our websites or applications Purpose of collection and use: All purposes listed in Section 2 above Categories of parties to whom personal information is sold: Advertising networks; data analytics providers Categories of parties to whom personal information is disclosed: Service providers Retention Considerations: Internet or other network activity information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Collection, Use, and Sharing - Job Applicants
We collect personal information subject to the CCPA when an individual residing in California applies for employment with CXI. This personal information includes:
Category | Required Information |
---|---|
Identifiers | Name, email address, phone number, or other contact address Source: Directly from you Purpose of collection and use: To assess and manage your application; conduct reference checks; assess your suitability for a role for which you have applied; monitor compliance with equal opportunities and non-discrimination policies Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: If you become an employee of CXI, we retain your information for the length of time for which you are an employee, and for a period thereafter to comply with our legal obligations. If you do not become an employee, information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Education- and Employment-related information | Institutions attended, degrees obtained, and courses taken; Current or past job history Source: Directly from you Purpose of collection and use: To assess and manage your application; conduct reference checks; assess your suitability for a role for which you have applied; monitor compliance with equal opportunities and non-discrimination policies Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: If you become an employee of CXI, we retain your information for the length of time for which you are an employee, and for a period thereafter to comply with our legal obligations. If you do not become an employee, information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Protected Classifications | Race, ethnicity, gender, and veteran status Source: Directly from you Purpose of collection and use: To assess and manage your application; conduct reference checks; assess your suitability for a role for which you have applied; monitor compliance with equal opportunities and non-discrimination policies Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: If you become an employee of CXI, we retain your information for the length of time for which you are an employee, and for a period thereafter to comply with our legal obligations. If you do not become an employee, information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Internet or other similar network activity | Device ID, browsing history, search history, and information regarding your interaction with our website, application, or advertisement Source: Automatically generated when you use our websites or applications Purpose of collection and use: All purposes listed in Section 2 above Categories of parties to whom personal information is sold: Advertising networks; data analytics providers Categories of parties to whom personal information is disclosed: Service providers Retention Considerations: Internet or other network activity information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Audio and visual information | Video of you taken by security cameras if you visit a CXI location Source: Directly from you Purpose of collection and use: Security; protect our rights and the rights of others Categories of parties to whom personal information is sold: None Categories of parties to whom personal information is disclosed: Service providers Retention considerations: This information is typically deleted at regular intervals when the information is no longer necessary for the purposes for which it is collected |
Rights
As a California resident, you have the right to request access to personal information collected about you and information regarding the source of that personal information, the purposes for which we collect it, and the third parties and service providers with whom we share it. You also have the right to request we correct inaccurate information, and to request in certain circumstances that we delete personal information that we have collected directly from you. You have the right to be free from discrimination based on your exercise of your CCPA rights.
You may submit a request to exercise your rights to access, correct, delete or limit the use of your personal information through one of two means:
We may have a reason under the law why we do not have to comply with your request, or why we may comply with it in a more limited way than you anticipated. If we do, we will explain that to you in our response. Upon submission of your request, we will contact you (via the email address provided in your request) with instructions on how to verify the request, after which we will check our records for matching information, and aim to complete requests as soon as reasonably practicable and consistent with any applicable laws. You may authorize another individual or a business registered with the California Secretary of State, called an authorized agent, to make requests on your behalf through these means.
You may opt out of the sale of sharing of personal information to third parties by visiting Your Privacy Choices page. The CCPA also grants you the right to request that we limit use of sensitive personal information to certain purposes allowed by law. However, we do not use sensitive personal information in any way for which you would be afforded this right.
Transfers from the European Economic Area, the United Kingdom and Switzerland
CXI is an organization established in the United States. For individuals located outside of the United States, your personal information will likely be transferred, stored, and processed in the United States or other countries outside of where you live. Data privacy laws vary from country to country and may not be equivalent to, or as protective as, the laws in your home country. We take steps to ensure reasonable safeguards are in place to ensure an appropriate level of protection of your information and rely on various legal mechanisms to transfer your personal information outside of your location (if applicable).
Legal Bases
In processing your personal information, we rely on the following legal basis:
Rights
Individuals in the European Union (EU) and United Kingdom (UK) are entitled to certain rights with respect to the processing of their personal information. If you wish to exercise any of the below rights, please contact us by submitting a Contact Us form by selecting "Privacy" for the "Reason for contacting us", or calling 1-888-998-3948.
We do not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register or use the Services. If we learn that any information we collect has been provided by a child under the age of 13, we will promptly delete that information.
If you have questions relating to this Privacy Notice, please contact us by either: