We collect personal information from Users directly, through their interactions with the Site and the Services, and through third parties, as described below.
We may collect personal information from Users in a variety of ways, including, but not limited to, when Users visit or use our Site, register for or use a Service, and in connection with other activities, services, features or resources we make available on or through our Site. Users may be asked for, as appropriate, name, address, email address, telephone number, date of birth and banking or other account information. Users may also provide us with other personal information when they contact us with questions, inquiries, complaints or suggestions. We may also collect information about how Users use our Site and Services.
We may collect personal information from third party partners with User consent. For example, we collect information about a User’s use of their KOHO Card from the Card issuer.
If you create an account, you agree that we may verify your name, address, phone number, and other account details with information about you held by third party sources and your mobile service provider in order to verify your identity and help protect against potential fraud, such as when someone other than you is trying to use your account or conduct a transaction without your permission, and you provide your consent for them to disclose and/or compare your information for this purpose. Your personal information will not be shared with any third parties for any other purpose.
Information we collect automatically through our Site
We may collect information about Users whenever they interact with our Site. This information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. We use this information to understand how Users interact with our Sites, and to make improvements.
Tracer Tags & Web Beacons. The Site may also use a technology called “tracer tags” or “Web Beacons”. This technology allows us to understand which pages you visit on the Site. These tracer tags are used to help us optimize and tailor the Site for you and other future visitors to the Site.
How we use collected information
KOHO may collect and use Users’ personal information for the following purposes:
- To provide Services
We use information in order to register Users for a Service, to provide and administer our Services and to resolve any issues relating to a Service.
- To respond to inquiries and provide and improve customer service
We use information to respond to a User’s inquiries, questions, and/or other requests.
Information users provide helps us respond to customer service requests and support needs more efficiently
- To personalize user experience
We may use the information we collect to personalize a User’s experience when they visit or use the Site or Services. We may also use information in the aggregate to understand how our Users as a group use the services and resources provided on our Site
- To improve our Site
We may use the information we collect, including feedback Users provide, to improve our Site and Services.
- To run a promotion, contest, survey or other Site feature
We use information to administer contests, promotions, surveys and other Site features.
- For marketing purposes
We may use personal information in order to better understand our User’s needs and preferences in order to provide them with information and offers that we believe may be of interest to them. We may provide information and offers by any means, including by e-mail, in-app notifications, push notifications and display advertising. Users may opt out of having their personal information used for these purposes by contacting us as described below.
- For research and analytics
We may use the information we collect to generate aggregate or de-identified data, which is not capable of identifying any particular User. We may use aggregate and de-identified data for any lawful purpose, including research and analytics.
- For our other reasonable business purposes
We may use information to detect and prevent fraud, to enforce our agreements with Users and to maintain business records. We may also use information for other purposes with User consent or as permitted or required by law.
How we protect your information
We adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of Users’ personal information. Personal information is maintained on our servers or those of our service providers and is accessible to authorized employees, representatives and agents who require access in connection with their job responsibilities.
Your online access to certain of your personal information is protected with a password you select. We strongly recommend that you do not disclose your password to anyone. We will never ask you for your password in any unsolicited communication (such as letters, phone calls or email messages).
Sharing your personal information
We may disclose personal information to third parties (including outside of Canada) as necessary to provide the Services that a User has requested.
We may transfer personal information to outside agents or service providers (including our affiliates acting in this capacity) that perform services on our behalf, such as customer service and support, marketing and analytics, data hosting or processing services or similar services. Some of these service providers may be located outside of Canada, including in the United States, and as a result your personal information may be processed in the United States or elsewhere outside of Canada, where local laws may permit foreign government and national security authorities to access personal information in certain circumstances.
We may disclose personal information in other circumstances with User consent or as permitted or required by law, including as required by foreign laws applicable to us, our affiliates and service providers.
We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. However, if you withdraw your consent, certain functionality of the Site may not be available to you and we may not be able to provide you with certain Services.
You may ask that we not use your personal information for marketing purposes by contacting us as described in the “Contacting us” section below or by using a unsubscribe feature found within our marketing communications, where applicable. Please note that if you ask us not to use your personal information for marketing purposes, you may still see certain types of ads from us (for example, online), but these will not be tailored to your interests.
Third party websites
Your continued use of the Site or Services following the posting of changes to this policy will be deemed your acceptance of those changes.
This document was last updated on March 16th, 2018
The KOHO Visa* Prepaid card is issued by Peoples Trust Company pursuant to license by Visa Int. *Trademark of Visa Int., used under license. **These services are provided by Service Providers, including Visa, Peoples Trust Company and Galileo Processing. Learn more about your finances with Visa’s Practical Money Skills. La carte prépayée Visa KOHO est émise par la Compagnie de Fiducie Peoples en vertu d’une licence accordée par Visa Int. *Marque de commerce de Visa Int., utilisée sous licence. **Ces services sont fournis par des fournisseurs de services comme Visa, la Compagnie de Fiducie Peoples et Galileo Processing
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