Privacy Notice
May 2025
This privacy notice (“Privacy Notice”) explains how we Gescoro d.b.a “Rapide Cheque” (“We”, “Our”, “Us”) process your personal data (“Personal Data”) while you use our services, including when you browse our website (“Website”), perform a transaction with us, or visit our stores (collectively, “Services”), whether as a customer, a visitor and/or a user of our Website, or however you might otherwise interact with us (collectively, “you”, “your” or “users”). In this Privacy Notice, we also describe whether your Personal Data is shared with other parties and the mechanisms we have in place to protect your data.
We encourage you to regularly review this Privacy Notice and check the Website for any updates. Updates to this Privacy Notice will be published on our Website, and by continuing to deal with us, you agree to this Privacy Notice and any future modifications.
Frequently asked questions (FAQs)
How can I contact the company regarding my Data? To make any request or consultation, you may:
- contact us by email to dpo@euronetworldwide.com.
Who are we? We are Rapide Cheque, a part of Euronet Worldwide group of companies.
What type of Personal Data is collected? We collect only the Personal Data necessary to provide you with the Service and to comply with applicable law.
Why do We collect Personal Data? We collect Personal Data for specific contractual and legal purposes. With your consent, we also collect data for additional purposes.
How long do we keep Personal Data? We keep Personal Data only for as long as necessary or as required by applicable law.
With whom we share Personal Data? We share Personal Data with other Euronet Group companies, legal authorities, and partners where necessary to meet regulatory requirements or contractual commitments.
Where do we store Personal Data? We store Personal Data in secure locations with strict security measures in place. If we need to transfer Personal Data to other locations, we take all necessary measures to comply with legal obligations and ensure a proper level of security.
What are your Personal Data rights? Depending on where you live, you may have rights in relation to your Personal Data under applicable law. A description of common Personal Data rights is set out in section 10 below.
1. What Personal Data is collected and why?
The categories, sources, and reason for collecting Personal Data are listed below. Where the collection of Personal Data is based on your consent, you may withdraw your consent at any time. We retain Personal Data for as long as reasonably necessary to provide the Services and meet our legal obligations.
If you have questions or concerns regarding the processing of your Personal Data, you may contact us any time at dpo@euronetworldwide.com.
We collect Personal Data from the following sources:
- Directly from you through direct interactions and forms.
- Internet websites, through passive collection of information about your interactions, including page clicks, time spent, or other automatically collected meta-data.
- Data analytics providers.
- Government databases.
- Service providers.
1.1. Types of Personal Data
a) Identifiers or Identification Data
The Personal Data we collect from you may include name, email, telephone and/or fax numbers, residential and/or business address and other contact data (“Contact details”), title, date of birth, gender, images, videos, signature, or IP address.
Where necessary, Identification Data is only used for the described purposes.
| Purpose for Processing | Legal Basis |
|---|---|
| To perform/supply the Services. | Contractual obligation |
| To provide customer service and record customers’ instructions, we will monitor and record (via automated means or transcripts) our emails and chat conversations with you. We will use transcripts to confirm the instructions provided to us. | Contractual obligation Legitimate interest |
| To manage your account(s) (i.e.: registration, administration, maintenance and servicing accounts). | Pre-contractual/Contractual obligation |
| To provide advertising and marketing. | Consent |
| Your participation in events or giveaways: You may wish to take part in events organized by us or in a specific giveaway. | Consent |
| To meet our legal obligations related to record keeping we keep correspondence including e-mails, faxes, and any kind of electronic communication, together with any records of the customer’s account. We also keep customer service letters and other communications between us and any Euronet Group company as well as our partners and suppliers. | Legal Obligation |
b) Financial Details and Professional or Employment-related Information
We collect your personal financial data when you register to use our Services. We collect financial data such as bank account information, financial statements, transfer reason, occupation (professional or employment-related information), or other documentation to demonstrate the source of funds you wish to transfer (like salary slips), in order to provide you with our Services.
| Purpose for Processing | Legal Basis |
|---|---|
| Supply/Performance of Services | Contractual obligation |
| Anti-Money laundering | Legal obligation |
| Anti-Terrorist Financing and Criminal activity | Legal obligation |
| To manage the customer’s account(s) | Contractual obligation |
| In very limited circumstances, to perform a credit check in order to provide the Services | Consent |
| To verify the customer’s identity | Legal obligation |
We will never ask you to provide your payment information (i.e., credit/debit card details) directly to an employee or agent. Where payment information is required, We will ask the customer to enter the information directly into the payment processing system.
c) Behavioral and Technical Information
IP address, internet, or other similar network, browsing, or search activity, behavioral information (to understand the way you behave while using our products and services), browser type and version, time zone setting, screen resolution settings, browser plug-in types and versions, operating system, and platform.
Our Cookie Policy is available here.
| Purpose for Processing | Legal Basis |
|---|---|
| To perform analytics to measure the use of our website and Services, including number of visits, average time spent on the Website, pages viewed, page interaction data (such as scrolling, clicks, and mouse-hovers), etc., and to improve the content we offer to you. | Legitimate Interest |
| To undertake activities to verify or maintain the quality of the Service, and to improve, upgrade, or enhance the Service, including to administer the Website and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes. | Consent Legitimate Interest |
| To help ensure the safety and security of our Website. | Consent Legitimate Interest |
| To provide advertising and marketing, including measuring the impact of our emails. | Consent |
d) Audio and Video surveillance
Image, video, and audio/voice recording.
| Purpose for Processing | Legal Basis |
|---|---|
| To maintain the safety of our Services, we may use CCTV to ensure customer safety in our stores or offices. | Legitimate interest |
e) Transactional Data
We collect personal data like bank account information, contact information, the destination where you are sending money and bank preferences. Depending on the local regulation, we collect details such as occupation (professional or employment-related information), transfer reason and additional documentation to demonstrate the source of funds.
| Purpose for Processing | Legal Basis |
|---|---|
| To provide the Services, including to complete a transaction. | Contractual obligation |
| For compliance purposes related to a transaction. | Legal obligation |
f) Sensitive Personal Data
When strictly necessary, we may collect sensitive or special categories of Personal Data (“Sensitive Personal Data”) to provide the Services and meet our legal obligations. We may collect the following categories of Sensitive Personal Data: government identifiers (i.e., driver’s license, state identification card, or passport number); and depending on your jurisdiction your health card information. Where required by applicable law, we will obtain your consent or present you with an opportunity to opt out before processing your Sensitive Personal Data. We only use and disclose Sensitive Personal Data for purposes permitted by applicable law. We retain Sensitive Personal Data for as long as reasonably necessary to provide the Services and meet our legal obligations.
| Purpose for Processing Sensitive Personal Data | Legal Basis |
|---|---|
| To fulfill legal obligations, including for KYC purposes. | Legal obligation Public interest |
| For security and fraud prevention purposes to verify your identification while you use our Services. | Legal obligation Consent when consent is required. |
g) Non-Identifiable Data
Whenever possible, we use data where you cannot be directly identified (such as anonymous demographic and usage data) rather than Personal Data (“non-identifiable data”). This nonidentifiable data may be used to improve our internal processes or delivery of services, without further notice to you.
We may use aggregate data for a variety of purposes, including to analyze, evaluate and improve our Services.
2. Fraud Prevention
We have tools that protect our website for the purposes of fraud prevention and security controls. This information relates to the IP connection or the device you may be accessing from, and other relevant information that assists in the protection of the website and the information we process.
We may use cookies for these purposes that will be placed in your device.
3. Accuracy of Personal Data
We are committed to keeping your Personal Data accurate and up to date. We take reasonable steps to ensure the accuracy of your Personal Data by ensuring that the latest Personal Data we have received is accurately recorded and when considered necessary. This communication is based on our legitimate interest and legal obligation to maintain accurate and up to date information.
If you notice that your Personal Data is not accurate, you may request a correction or update your information by sending an email to dpo@euronetworldwide.com.
4. How long do we keep Personal Data?
Personal Data is kept for as long as it is necessary to provide the Services requested and to comply with applicable legal, accounting, or reporting obligations. The retention period is determined based on the applicable requirements and obligations, which may include:
- Legal and Regulatory Requirements: Your Personal Data is kept as long as necessary to comply with all our legal obligations including without limitation, commercial, tax and anti-money laundering laws and regulations. While we store your Personal Data only for the purposes of complying with legal obligations, your Personal Data will be restricted such that it cannot be used for any other purposes. While restricted, only when necessary, will your Personal Data be accessed. Whenever we receive a request for deletion, we will also maintain your Personal Data further to our legal obligations.
- Customer Service and Contractual relationship (administration of customer relationship, complaint handling, etc.): We will keep your Personal Data if you remain our customer. Once we consider our contractual relationship to be over, we will proceed to restrict your data to make it available only to comply with legal obligations as expressed above.
- Marketing: We will process your Personal Data for marketing purposes if you haven’t asked us to opt out to section 9 of this Privacy Notice or until we become aware that you are no longer interested or that your data is not accurate.
5. Do We disclose Personal Data?
Rapide Cheque may communicate Personal Data outside Québec in which We use contractual and other means to provide a comparable level of protection. Rapide Cheque’s disclosure of Personal Data for business purposes or to meet legal obligations are outlined below:
5.1 Euronet Group
| Types of Personal Data | Purpose | Legal Basis |
|---|---|---|
|
Identification Data Video surveillance Transactional Data Financial Details Behavioral and Technical Data |
We disclose your Personal Data with Euronet and Euronet Group affiliates for our affiliates’ everyday business purposes and compliance with group obligations. As a result of a sale, acquisition, merger, or reorganization involving Euronet, a company within the Euronet Group, or any of their respective assets, we may transfer customer Personal Data to a third party. In doing so, we will take reasonable steps to ensure that their information is adequately protected. Your Personal Data is also disclosed to be able to provide you with customer service, regardless of when you require our help. To provide access to our 24/7 customer service, we must share your Personal Data with the Group affiliates. |
Legal obligation Contractual obligation |
5.2 Third-Party Service Providers
5.2 Third-Party Service Providers
| Types of Personal Data | Purpose | Legal Basis |
|---|---|---|
| Identification Data Financial details |
To data analytics providers to perform compliance verification and fraud prevention services. | Legal obligation Consent |
| Contact Details Transactional data |
To our agents and correspondents to provide the Services. | Legitimate interest Legal obligation Consent |
| Contact details Behavioral and technical Data |
To advertisers or advertising networks and social media companies to place personalized advertisements in digital services and to adapt to consumer preferences. | Consent Contractual obligation |
5.3 Legal and Regulatory Authorities
| Types of Personal Data | Purpose | Legal Basis |
|---|---|---|
| Identification Data Video surveillance Transactional Data Financial Details |
We may need to disclose your Personal Data (including Sensitive Personal Data, as described above) if requested by a legal authority. We may share your Personal Data with legal authorities to enforce or apply our Terms and Conditions or any other agreement or understanding we may have with you. | Legal obligation Contractual obligation |
5.4 Strategic Partners
| Types of Personal Data | Purpose | Legal Basis |
|---|---|---|
| Identification Data Transactional Data Financial Details |
We will share your Personal Data when necessary, with strategic partners in order to provide you with our Services. | Legal obligation |
5.5 Professional Partners
| Types of Personal Data | Purpose | Legal Basis |
|---|---|---|
| Identification Data Video surveillance Transactional Data Financial Details |
We will share your Personal Data with advisers, lawyers, consultants, auditors, or accountants in order to comply with our legal obligations and to provide our Services and our contractual obligations and best practices. | Legitimate interest |
6. Minors
We do not provide Services directly to minors, as defined by applicable local legislation, or proactively collect their personal information. If you are considered a minor under applicable local legislation, please do not use the Website or Offerings or share Personal Data with Us. If you learn that a minor has unlawfully provided Us Personal Data, please contact Us at dpo@euronetworldwide.com.
7. Data Security
We are committed to protecting your Personal Data and have put in place commercially reasonable and appropriate safeguards to prevent any loss, abuse, and alteration of the information you have entrusted us. At Rapide Cheque, we will always strive to ensure your Personal Data is well protected, in accordance with international best practices. We maintain this commitment to data security by implementing appropriate physical, electronic, and managerial measures to safeguard and secure your personal information.
To safeguard our systems from illegal access we use secure, cutting-edge physical and organizational security measures which are continuously enhanced to ensure the highest level of security in accordance with international best practices and cost efficiency. All Personal Data is kept in a secure location protected by firewalls and other sophisticated security mechanisms with limited administrative access.
Personnel who have access to your Personal Data as well as the processing activities surrounding your Personal Data are contractually bound to keep your data private and adhere to the Privacy Policy we have implemented in our organization.
We aim to achieve the highest standard of data protection by adopting industry-standard measures to protect your privacy.
8. Marketing and Advertising
If you have provided your consent by accepting Targeting Cookies on the Website, we may use third parties to do so (remarketing and Similar Audience features). You can opt-out of advertising by modifying your cookies settings here.
Third parties are not bound by our Privacy Notice. To understand the privacy policy of their notices, you should visit the third-party website. You can find all the third parties that may use Cookies for targeting in our Cookie Policy.
We may contact you from time to time (by email, SMS text, letter, or phone as necessary and according to your specific instructions) and when you have provided us with your consent to provide targeted marketing about our Services and/or our products.
8.1. Why would you receive electronic communications?
You may receive marketing communications if you have authorized us to process your Personal Data for those purposes. That means you have opted-in during the registration process.
8.2. How can you opt-out?
You will be able to withdraw your consent at any time by using one of the following mechanisms:
- Use the opt-out link you will receive in any of our communications.
- By sending an email at dpo@euronetworldwide.com.
If you have any additional questions regarding the usage of your Personal Data for marketing purposes and/or wish to start receiving marketing communications, you can also send an email to dpo@euronetworldwide.com.
9. Description of Personal Data Rights
Depending on where you live, your Personal Data Rights under applicable law may include:
- Right to Know: the right to know what Personal Data is being collected, sold or shared and to whom.
- Right to Access: the right to request access to a copy of your Personal Data.
- Right to Correct Inaccuracies: the right to request correction of inaccuracies in your Personal Data.
- Right to Deletion: the right to request deletion of your Personal Data where certain conditions apply.
- Right to Restrict Processing: the right to restrict processing where certain conditions apply.
- Right to Data Portability: the right to receive Personal Data in a structured, commonly used and machine-readable format and have the right to transmit the Personal Data to another controller under certain conditions.
- Right to Object: the right to object to the processing of Personal Data (i.e., for direct marketing purposes).
- Rights related to Automated Individual Decision-Making: the right not to be subjected to a decision based solely on automated processing, including profiling, which produces legal or similarly significant effects on the individual.
We will respond to your request as soon as possible and within the timeframe stated in the applicable law.
To exercise any of your rights, you must send an email to dpo@euronetworldwide.com. To help protect your privacy and maintain security we will take necessary steps to verify your identity and may ask you to provide other details before granting you access to your Personal Data or initiating a modification of any Personal Data. When required, if we don’t have a copy of your ID or any legal valid document that proves your identity, we will not be able to answer your request.
Be aware that some rights may not be enforceable due to business necessities or legal obligations while providing you with the Service. Your rights may be limited to comply with other legal obligations such as anti-money laundering, contractual and compliance obligations. Notwithstanding that you will always be responded to when exercising any of the rights stated above and/or any additional right you may have depending on your jurisdiction. If your rights can’t be enforced, you will always receive a proper explanation.
10. Privacy Complaints
If you have a complaint regarding our processing of your Personal Data, you may contact us at dpo@euronetworldwide.com.
Depending on the applicable privacy law, you may have the right to make a complaint to a Data Protection Authority or other regulatory body if you believe we have failed to comply with our obligations under this Privacy Notice or the applicable law:
11. Contact Information
| Country | Company to contact. | Contact details |
|---|---|---|
| Canada | Ria Telecommunications of Canada Inc | 320-5125 Rue du Trianon, Montréal, QC, H1M 2S5 |
You can always submit a request to our Data Protection Officer by sending an email to the following address: dpo@euronetworldwide.com.
How can I contact the company regarding my Data? To make any request or consultation, you may:
- Contact us by email to dpo@euronetworldwide.com.
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