1. Personal Information Protection

At SendMN, one of our main priorities is the privacy of our users. This Privacy Policy page is used to inform visitors regarding our policies with the collection, use, and disclosure of Personal Information by SendMN on www.send.mn, SendMN apps available on the IOS and Android platform and for all transactions made in-store. SendMN respects your rights to privacy and is bound by the Personal Information Protection Act Established by Apr. 21, 1995 in Mongolia. For more information on the act please visit: https://www.legalinfo.mn/law/details/537

If you choose to use our Service, then you agree to the collection and use of information in relation to this policy. The Personal Information that we collect is used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at SendMN unless otherwise defined in this Privacy Policy.

SendMN NBFI LLC collects information by lawful and fair means only.

2. Information Collection

SendMN is required to collect various types of information. This includes:

• Information that you provide us in the course of using the SendMN services, such as your name, residential or business address, e-mail address, mobile number, details of the services which you require from SendMN.
• We may also collect certain sensitive information from you including your bank account number, credit card number, date of birth, national ID number, passport number, driving license number and Alien Registration Number. Information about your usage of the SendMN service, including your transaction history, and how and to whom you use the SendMN service to send or receive money.
• In order to use SendMN we also request certain third-party information, this includes the recipient’s full name, physical address, email address, purpose of transaction, phone number including their accounts details in which the money is to be deposited.

SendMN collects this information in various ways, including but not limited to;

• Conversations held over the phone by you and SendMN staff members
• Through your use of the SendMN website, including support messages
• When you submit a payment or complete a money transfer
• When you send information in emails or correspond with SendMN
• Information that we lawfully obtain from third parties such as verification services and credit reporting agencies
• Information that we indirectly obtain from you, such as information about the hardware and software you use when accessing the SendMN service, your IP address, the pages you access on this website, and other websites that you visit prior to accessing SendMN.
• We may also use 'cookies' to track your use of this website. You are free to decline our cookies if your browser permits but doing so may interfere with your use of the Service.

SendMN is required to collect certain personal information under the AML/CFT Act in Mongolia and the sending country.

We are required to collect personal information in order to:

• To provide services and products to you and undertake associated business processes and functions
• To verify your identity and comply with legal obligations under the relevant anti-money laundering acts dependent on your jurisdiction.
• To collect payment for your use of the website and the services provided
• To troubleshoot problems with the website and the services provided
• To detect and prevent fraud and other illegal use of the website and the services provided
• To send you marketing notices, service updates, and promotional offers
• For administration, planning and account management
• To develop, monitor and improve services
• Any other purpose disclosed to you at the time of information collection

3. Sharing Information with Others

SendMN will not sell or lease the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share personal information about you as follows:

• To entities or service providers under contract with SendMN for the purposes of conducting our business and providing our services to you. This includes; transaction processing, fraud prevention and professional advisors such as solicitors, business advisors and consultants. Entities we partner with to offer additional products and services, but only when you elect to receive information about those additional products and services.
• In the event of the sale, acquisition, or merger of some or all our assets, your personal information might be a part of the transferred assets. We shall notify you in the event of such an occurrence by placing a notice on our website.
• Law enforcement and government officials, but only in connection with a formal request, subpoena, court order, or similar legal procedure, as well as circumstances where we believe in good faith that disclosure is necessary to comply with the law, report suspected illegal activity, or investigate violations of our User Agreement. This is to satisfy our obligations under the relevant AML/CFT Laws.
• As may be required under any other law

4. Modify & Access your Information

SendMN is required to hold customer information for a period of at least 5 years. Should you wish to close your account we will remove access to your SendMN account. However, all information relating to your payments including but not limited to;

• Your name, address, date of birth and other relevant personal information.
• The amount you paid and the amount that was received by the beneficiary
• The details of the recipient bank account.
• The details of the recipient bank account.

Options to access, modify or update your personal information saved to the SendMN website can be found by logging into your account and changing your preferences or in the instances where personal information cannot modified or amended by you by contacting SendMN to request changes you may deem necessary.

SendMN will take reasonable steps to ensure that all information we hold on your file is up to date, complete and accurate, this is in order to minimize the possibility that you are contactable and appropriate information is used to make a decision about you. However, please note that SendMN is in no way responsible for information that is not updated on your account and as such advises all customers that they routinely check that the information provided on their account is correct.

5. Modify or Restrict the Use of your Information

SendMN customer may restrict the sharing of their personal information as follows: If, after giving SendMN your permission to share your personal information with third parties, with whom we deem it necessary to provide our jointly offered services, you later decide that you no longer want us to share such information, you can email [email protected] or telephone Mongolia 70000909. It should be noted that a request to restrict or modify the use of your information may result in you no longer being able to use our services.

7. Security – SSL Secured

SendMN takes all reasonable steps to maintain the security of your personal information. We have a range of safeguards to protect this information. SendMN uses the highest level of online security available to protect the information you submit to us through the SendMN website. We have put in place SSL [Secure Socket Layer] encryption technology to protect your sensitive information transmitted from the SendMN website. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security. We also require a username and password from each user who wishes to access the information held in their SendMN account and other areas on the SendMN website. All forms of personal information are kept online on your account. However, in some instances where information is mailed to us, we upload the documents and then destroy them.

8. Complains & Disputes

Any dispute or complaint in connection with the SendMN terms of use or the SendMN privacy policy must be dealt with by you in Mongolia as detailed in the terms of use of our website and or online service.

9. Third Party Websites

The SendMN website contains links to other websites. SendMN maintains it is not responsible for the privacy practices or the content of other web sites. Please ensure you familiarize yourself with the privacy practices of these other sites prior to submitting your personal information to them.

This policy is effective as of 2020-10-19.