Privacy Policy
1 Company Information
This is the Privacy Policy of Fabulous Motivations. (a Money Service Business), which is registered in Canada. The company is licensed by the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”) under License Number M23238298.
The company offers secure and competitive currency exchange services, ensuring reliable and seamless money transfers.
2 Overview of Privacy Policy
This Privacy Policy (“Policy”) describes the information we collect from our customers and users and how that information is used and shared by us. Our company understands that our customers' and users' privacy is important, and we're committed to being transparent about our privacy practices.
Through our privacy policy we aim that our customers agree to abide by all applicable laws and regulations and accept all terms and conditions set forth herein, before and while using our services. We as a service provider reserves the right to modify or terminate any aspect of the service, to ensure compliance with applicable laws and regulations.
3 Updates to This Privacy Policy
We review and may change this Privacy Policy from time to time. If we make any material changes, we will notify you by means of a notice on our website. Any change or update to this Privacy Policy shall be reviewed, and approved by the management of Fabulous Motivations.
The revised and approved version of the policy shall be timely disseminated to the employees and uploaded on the website and portals of the company, for customers’ information and compliance. Any changes will become effective on the date specified in the revised Policy posted on our website.
4 Definitions
“Company”, “we”, “us” and “our” refers to Fabulous Motivations, registered in Canada under, licensed by the Financial Transactions and Reports Analysis Centre of Canada (“FINTRAC”) under License Number M23238298.
Personal Information:
Personal Information is any data relating to a client, customer, or any other living individual. Personal information refers to any information or opinion relating to or about an individual or an individual who is reasonably identifiable. Personal Information:
· Must be processed fairly and lawfully;
· Must be obtained for one or more specific and lawful purposes and only processed in a manner compatible with them;
· Must be adequate, relevant and not excessive for the purposes defined;
· Must be accurate and where necessary kept up to date;
· Shall not be kept for longer than is necessary;
· Must be processed in accordance with the data subject’s rights;
· Must be kept secure;
· Must not be transferred outside the permitted jurisdictions or territories unless there is adequate protection for the rights of data subjects.
“Online Channels” means:
· Websites and web portals operated by us (“Websites”);
Software applications made available by us for use on or through computers and mobile devices (“Apps”);
· Our social media pages and apps that we control (collectively, our “Social Media Pages”); and
· HTML-formatted email messages that we send to you that link to this Policy or other communications with you.
· Device notifications and other channels we use that are not Websites, Apps or Social-Media Pages.
5 Terms and Conditions
Our Terms and Conditions outline the rules and regulations governing the use of our services. It defines the rights and responsibilities of both the business and our customers, including compliance with Canadian laws such as the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and other regulatory requirements.
The policy covers areas like service eligibility, identity verification, transaction limits, fees, dispute resolution, and privacy practices. Customers are required to agree to these terms before using our services, ensuring transparency and legal compliance in all transactions.
As we provide money services, our Terms and Conditions also addresses specific regulations around international and domestic fund transfers. It includes guidelines on transaction processing times, exchange rates, and the security measures taken to protect customers’ funds and data. The policy clarifies the obligations for both the sender and recipient, potential transaction limits, and the circumstances under which transactions may be delayed or cancelled.
Additionally, it emphasizes compliance with AML/CTF laws, requiring proper identity verification to prevent fraud and ensure the lawful movement of money across borders.
Account suspension and termination may occur when users violate the online casino's terms and conditions or engage in fraudulent activities. Suspension temporarily disables access to the account while the casino investigates potential issues or breaches. During this period, users may be restricted from placing bets or accessing funds. Termination, on the other hand, is a permanent closure of the account, often following serious or repeated violations.
Reasons for termination may include breaches of the terms, involvement in suspicious or illegal activities, or failure to comply with legal and regulatory requirements. Users will be notified of the suspension or termination decision and provided with information on any remaining balance or appeal options.
6 Information We Collect
6.1 Identification Information
We may collect your personal information from you including your name, gender, nationality, email address, phone number, mailing address, occupation, contact details, tax information, social and identification number.
To adhere to relevant laws and regulations (including Anti-Money Laundering and Counter-Terrorism Financing regulations, referred to as "AML/CTF Laws"), we may gather identity verification details, such as copies of your government-issued IDs (e.g., passport, driver’s license, social security card, government health benefits card, or national ID card) or other authentication data, which may include photographs of you. Additionally, we may offer you the option to use identity verification technologies that analyze your facial features or other biometric data provided.
6.2 Financial and Transaction Information
In order to comply with anti-money laundering and terrorist financing AML/ CTF Laws, assess creditworthiness, and process payments and transactions we may collect financial information such as your bank account details (account number, routing number), credit or debit card numbers, credit information or reports or tax information, such as withholding allowances and filing status.
When you book transactions with us, we may collect information about the parties to the transaction, the source of the funds, the reason for the transaction, and the devices and payment methods used to complete transactions. If you choose to pay someone else, we will ask you for the designated recipient’s name, mailing address, email address and bank account information. This is necessary for us to make a payment to them and you confirm that you know they agree or that you are otherwise allowed to give us this information and will inform them of the contents of this Privacy Policy.
6.3 Background Information
To the extent permitted by applicable law, we may obtain, in the course of providing you with the services you request, background check reports from public records of criminal convictions and arrest records. Some jurisdictions require us to obtain your consent. Where you refuse to provide consent, we may be unable to provide services to you.
6.4 Log Data and Device Information
When you access our Online Channels, we collect server logs, which may include information such as IP address, access times and dates, pages viewed and other system activity, including the third-party site you were using before and after accessing our services. We may obtain information about the devices you use to access our Online Channels including: the device type, operating systems and versions, the device manufacturer and model, preferred languages, and plugins.
6.5 Usage and Preference Information
We collect information about how you interact with the Online Channels and how you use our Online Channels, including your user preferences and other settings selected by you. In some case we do this by using cookies and other tracking technologies.
6.6 Geolocation Information
When you use certain features of our Online Channels, we may collect information about your precise or approximate location as determined by data such as your IP address or mobile device GPS. Most mobile devices allow you to control or disable the use of geolocation services for applications by changing preferences on your mobile device.
6.7 Aggregated/Anonymised Data
We may also collect or create aggregated and/or anonymised data about our users with anonymised or deidentified data. This data is used for industry and market analysis, demographic profiling, marketing and advertising, and other business purposes.
We may collect any other Personal Information you may provide to us when you update your account information, respond to surveys, post to community forums, participate in contests or promotions, or use any other feature of our Online Channels or services.
7 Information We Do Not Collect
We do not gather any specific kind of personal data about the customers or clients (this includes details about your ethnicity, religious beliefs, sexual orientation, trade union membership, political opinions, information about genes).
We do not intentionally collect data relating to Minors because the Platform is not intended for anybody under the age of 18 (or, as the case may be, a higher age if their relevant jurisdiction specifies a higher period as the age of majority). This Privacy Policy is meant to supplement other notices and policies; it is not meant to replace them therefore it must be read in conjunction with any other policies that Company may occasionally post and direct to the customers or others.
7.1 Children
Our services are not intended for or directed at individuals under the age of 18. We do not knowingly collect Personal Information from individuals under the age of 18.
8 How We Collect Your Information
We gather information about you in various ways, including the following:
8.1 Information You Provide
We collect Personal Information and other details when you fill out an application or our form, create a user account with Fabulous Motivations, complete our identification and verification processes, request us for additional account features, products or services, perform transactions, respond to our emails, messages, or surveys, communicate with us via phone, email, or online platforms, give feedback, take part in promotions or contests, provide referrals, or upload content. We also record and store our phone conversations with you.
Fabulous Motivations will directly collect your Personal Information unless it is unreasonable, impractical, or otherwise permitted by applicable laws.
8.2 Information from Your Use of Services
When you engage with or use our services, we collect Personal Information and other data about you. We collect information about the devices you use to access our Portals or Online Channels.
If you link your social media account to your Fabulous Motivations account, you may share certain Personal Information with us, such as your name, email address, photo, list of contacts, and any other details that are available or you allow us access to when linking your social media account with your fabulous Motivations account.
8.3 Cookies and Tracking Technologies
Cookies and tracking technologies are essential for enhancing user experience on our website and platforms. Cookies are small data files stored on users' devices that remember preferences, login details, and browsing history, ensuring smoother and more personalized interactions.
Technical Data contains internet protocol (IP) address, login information, browser type and version, time zone option and region, type and version of browser plug-ins, operating system and portal, and other hardware on the systems you use to access this Platform. Tracking technologies, such as web beacons and pixels, collect data on user behavior and engagement, helping us analyze traffic patterns and improve services. These tools enable targeted marketing, fraud detection, and compliance with regulatory requirements. Users are typically informed about these technologies through the privacy policy and given options to manage or opt-out of certain tracking methods, thereby maintaining transparency and user trust.
8.4 Third-Party Services and Their Cookies
We may partner with third parties to display and personalise Fabulous Motivations advertisements to you and to track and report on the performance of those advertisements. These third-party partners use cookies and other technologies to gather information about your activities on our Online Channels, as well as information from third parties and your activities on other sites or online services on any of your devices, in order to serve you advertising based upon your online behaviours including browsing history and interests. They also use these technologies, along with information they collect about your online use, to recognise you across the devices you use.
8.5 Information from Third Parties
We may also obtain Personal Information about you from third-party sources, including government bodies, identity verification and fraud detection service providers, credit bureaus, credit reporting agencies, community forums where ratings or reviews are posted, social media platforms, advertising and market research companies, contact list brokers, and profile data providers.
Additionally, we may receive information from companies distributing Fabulous Motivations marketing and advertising materials that you interact with, business partners and associates that help you access our services, or other public record sources.
9 How Your Information Is Used
9.1 Government Authorities
If we believe it is necessary or appropriate, we may share your Personal Information with law enforcement officials, government authorities, regulatory bodies or other third parties, including for purposes of:
(i) enforcing our Customer Agreement or other applicable agreements or policies;
(ii) protecting our rights, property, privacy, or security, or that of others; or
(iii) complying with applicable law, legal process, or government orders.
9.2 Information Use for Business and Operational Purposes
We use Personal Information we collect from or about you (including occupation, source of income and credit information) for several purposes, including:
· To ensure compliance with applicable laws and regulations including but not limited to AML/CFT, Sanctions, Anti-Corruption laws and regulations, etc.
· To comply with codes of conduct, binding determinations or to respond to legal process or government authorities.
· To provide or improve our money business services.
· To process payments, money transfers, or customer support.
· To evaluate your application to use our services.
· To monitor financial transactions and behavior.
· To ensure the availability of quality services, internal controls and staff training.
· To ensure data and information safety and security.
· To verify your identity or authenticate your right to access an account or other information.
· To conduct manual or automated monitoring to protect against fraud, money laundering and other crimes and harmful activities.
· To develop new products or enhance existing products and services.
· To monitor and analyse trends, usage, preferences and other user activities on our Online Channels to optimise user experience and to enhance the effectiveness of our promotional campaigns.
· To address disputes or resolve claims related to use of our services.
· To enforce our terms and conditions and collect fees.
· To communicate with you.
· To respond to your inquiries and support requests.
· To send you technical notices, updates, security alerts and other administrative messages.
· To provide information related to your transactions, including confirmations, receipts, and tracking notices.
· To market and advertise our services, and to deliver promotional offers, incentives, and targeted or personalised marketing in a variety of ways including via email, SMS, push messages, telephone, social media or online.
· To provide invitations and information about events held by us or our partners.
· To facilitate promotional contests or sweepstakes.
· For analytics and insights with any Personal Information that we collect or obtain about you, including combining your Personal Information with other personal information and data to use in advertising and marketing that may influence your behaviour or decisions or provide insights and measurement to us in relation to any advertising initiatives that we may run.
· Other purposes: Any other purpose disclosed at the time of collection.
9.3 Third-Party Acquirers
If we are the subject of or are involved in any corporate merger, acquisition, consolidation, reorganisation, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business or assets (including in connection with bankruptcy or similar proceedings), we may disclose or transfer data, including Personal Information, with third parties in connection with such events.
9.4 International Transfers
We collect information globally and may transfer, process and store your information outside of your country of residence, to wherever we, our third-party service providers. Whenever we transfer your information, we take steps to protect it.
You can opt-out of receiving marketing at any time through the unsubscribe function available in each marketing communication we send. Alternatively, you can update your preferences by logging in to your Fabulous Motivations account on the Website or contact officially contact us through email.
10 Data Retention Period
Fabulous Motivations aim to implement effective data security measures to prevent financial losses, avoid legal repercussions, and protect its reputation. We have put in place the necessary security measures to guard against the unintentional loss, alteration, disclosure or use of your personal information. Additionally, we only allow employees, agents, contractors, and other third parties who have a business need to know access to your personal information. They have a confidentiality obligation and will only handle your personal information as we directed. We will notify you and any relevant regulator of a breach when legally obligated. We will have procedures to comply with any suspected personal information breach.
We will only keep your personal information for as long as it is reasonably necessary to fulfill the reasons it was initially obtained, including to meet any obligations imposed by law, regulation, tax, accounting, or reporting requirements. In the event of a complaint or if we have reason to believe there may be a possibility of litigation over our relationship with you, we may keep your personal information for a more extended period. The nature, and sensitivity of the personal data, the risk of harm from unauthorized use or disclosure, the purposes for which we process the data, including whether those purposes can be met by other means, and any applicable legal, regulatory, tax, accounting, or other requirements are all considered when determining the appropriate retention period.
We retain our customers' information (including Contact, Identity, Finance, and Transaction Data) for at least seven (7) years after they stop being our clients.
Our customers or clients have a right to request that we erase their data under certain conditions.
11 User Rights, and Responsibilities
Customers and users have several rights and choices regarding their personal data, and use of information for services. We aim to ensure that we provide clear instructions on how customers and users can exercise these rights, ensuring transparency and compliance with privacy regulations. Respecting user rights and choices fosters trust and demonstrates our commitment to protecting personal information.
We take appropriate technical, physical, and administrative measures designed to safeguard your Personal Information against loss, misuse, or unauthorised access. The way we do this depends on the sensitivity of the information and the format in which it is contained. Security measures include technological measures such as encryption, physical measures like restricted access to offices and strategic measures such as security clearances and limiting access to a “need-to-know” basis.
Unfortunately, the transmission of information over the Internet or the telephone is never 100% secure and no data storage system can be guaranteed safe. We cannot warrant the security of data transmitted to us and any transmission is at your own risk.
We encourage you to understand the integral role you play in keeping your own Personal Information secure and confidential, always keep your log-in details secure.
You should also take care not to give any security credentials we provide you or you choose (such as a password) to someone who is not a Fabulous Motivations representative.
We will never ask you for your full security credentials. If you are unsure, please end the session. If you suspect any unauthorised use or access to your account or information, please contact us immediately, using the “Contact Us” information below.
11.1 Access and Update of Information
Customers and users can access, update, or delete their information through their account settings or by contacting customer support. They have the right to withdraw consent for data processing, opt-out of marketing communications, and request data portability. They can also object to certain data uses and request restrictions on data processing.
11.2 Device Permissions
Most mobile devices allow you to disable the use of location services, or revoke consent to applications to access your camera and photo library or send you push notifications. Some devices allow you to activate a ‘do not track’ function, reset your device specific advertising identifier. Please refer to your device settings to restrict collection of certain information.
11.3 Marketing Opt-Out
You can opt out of receiving our marketing at any time through the unsubscribe function in each marketing communication or by updating your preferences under the “Your Profile” section or “Profile & Settings – Notifications” section when you log into the Website. Please note that if you opt out of marketing-related emails from us, we will continue to send you non-promotional messages that are required to provide our services, such as transactional receipts and messages about your account or our relationship with you.
12 User Clarifications and Complaints
Our customers can request clarification on the privacy policy and lodge complaints with data protection authorities if they believe their rights are being violated.
Fabulous Foundations will investigate all the complaints officially lodged.
We must promptly address these requests and concerns, reinforcing their dedication to user privacy and regulatory compliance. This proactive approach helps build a secure and trustworthy gaming environment.
13 Information Sharing Disclosure
We will never sell your Personal Information to marketers or other third parties. We may disclose or otherwise provide anonymized / aggregated data to third parties. However, we may share information about you, including Personal Information, with the following third parties if you ask us to, it’s required to provide our services to you, if we have a duty to disclose it or an applicable law allows us to do so for legitimate interests or business reasons.
14 How Your Information May Be Accessed, Updated and Corrected
To ensure the information we hold is accurate, you should tell us as soon as possible if any of the information you have provided us has changed. You may request that we correct or update the Personal Information you provided to us at any time by logging into your Fabulous Motivations account or by contacting us using the “Contact Us” information below. If you want to access a copy of the Personal Information we hold about you, you can “Contact Us”.
We will respond to any such request consistent with applicable law. Prior to changing or correcting your information or providing your information to you, we may be required to verify your identity.
There may be situations where we cannot action your request including where the information may impact the privacy of other individuals, the information is subject to legal privilege, the disclosure could threaten the safety, physical or mental health or life of an individual or Fabulous Motivations is prohibited by applicable law from providing you with access. If this is the case, we will set out in writing to you any reasons for our refusal to provide access to such information.
We will take reasonable steps in the circumstances to ensure that your Personal Information is accurate, complete and up-to-date to minimise the possibility that inappropriate information may be used to make a decision about you. We will not routinely update your Personal Information unless such a process is necessary to fulfil the purposes for which the information was collected.
If you are a Californian resident, please refer to the “Additional Information for Californian Residents” section at the end of this Policy for more information about the requests you may make under the California Consumer Privacy Act.
If you are resident in the UK or European Union, please refer to the “Additional Information for UK/EU Residents” section at the end of this Policy for more information about the requests you may make under privacy legislation.
14.1 Restrict Sharing
If you are resident in the UK or European Union, you may request further limits on our disclosure of certain of your Personal Information where such information is not required for delivery of our services.
If you are a U.S. resident using our Services to conduct transactions for personal, family or other household purposes, you may request further limits on our disclosure of certain of your Personal Information to certain affiliated third parties.
15 Social Media Features on Our Website
Our website may include social media features, such as the Facebook Like button, and widgets, such as the Share This button or interactive mini-programs that run on our website. These features may collect information about you and your online activities and may set a cookie to enable the feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our website. Your interactions with these features are governed by the privacy statement of the company providing it.
16 Third-Party Websites and Services
This Policy does not apply to third party websites, applications, products or services, even if they are linked to our services or Online Channels, and we are not responsible for the privacy, information, or other practices of third parties. The inclusion of a link on the Online Channels does not imply endorsement.
You should review the privacy policies of any third-party websites you visit.
17 Contact Us
If you have questions or concerns about this Privacy Policy, have a specific request related to your Personal Information or any complaints about our privacy practices, please contact us.