Welcome to Moneydart Global Services Inc., DBA Xpress Money (hereinafter referred to as "MDART") website, www.moneydart.com. Protecting your privacy is very important to us. Therefore the purpose of this Policy is to inform our customers and other individuals ("you" or "your") how we deal with, collect, use, disclose and protect your personal information. This Policy applies to our collection, use and disclosure of personal information in USA. This Policy does not apply to information about our employees or to information that is not personal information. MDART always ensures to take steps to comply with the privacy principles and requirements under applicable USA privacy legislation. This policy is applicable to all MDART consumers and visitors who visit our website. www.moneydart.com.
Personal Information We Collect
Personal information is information about an identifiable individual, as more particularly described under applicable privacy legislation.
MDART collects personal information about you from a variety of sources in the course of providing you with money transfer service and other related products and services (Service), which include the following:
We collect personal information when you ask us to send money or to provide other any other Service to you. This personal information may include identities and contact information of senders and recipients of money transfers or payments, credit card, banking or other billing information, birth dates and other personal identifiers such as Social Security Numbers, Passport details or such other governmental identification, information used to verify your identity for security and fraud prevention purposes, identification number and amounts paid, transferred, exchanged or otherwise processed.
We collect information about your transactions with us, including transaction history, such as frequency of use and amounts paid, transferred, exchanged or otherwise processed and any rewards program account information, if any.
In connection with identify verification, fraud prevention and similar security purposes, we collect and/or confirm certain identity-related information, financial background and similar information through third parties sources such as government agencies and consumer reporting agencies.
We may collect personal information otherwise with your consent or as permitted or required by law.
Use of Personal Information
We generally use personal information for the purposes of providing you the Service. This may include the following purposes:
Authorizing and processing your transactions, including effecting and administering money transfers, and ensuring proper payment to the designated recipient of funds.
Collecting amounts owing to us, and otherwise enforcing and collecting on your accounts or agreements with us. Meeting legal, regulatory, self-regulatory, risk management, fraud prevention and security requirements, which may include (among other measures) verifying the identity of the customer and receiver of funds and checking identities against money laundering, terrorist financing or similar watch lists established by regulatory agencies or similar bodies in the USA or in other countries. For identity verification purposes, customers and receiver of money transfers may be required to produce valid identification or consent to verification by other means.
Maintaining business and transaction records for reasonable periods, and generally managing and administering our business.
Meeting insurance, audit and processing requirements.
Otherwise as permitted or required by law.
There may be circumstances in which MDART is obliged to collect, use, or disclose certain personal information without your consent. Such circumstances include:
- A serious and imminent threat to someone’s life , health or safety;
- A serious threat to public health or public safety;
- Unlawful activity has been, is being or may be engaged in;
- MDART reasonably believes that the use or disclosure is necessary for the prevention, detection , investigation, prosecution or punishment of:
- Criminal offences, breach of law, imposing of penalty or sanction or breach of a prescribed law;
- the enforcement of laws relating to the confiscation of the proceeds of crime;
- the protection of the public revenue;
- the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or
- the preparation for, or conduct of, proceedings before any Court or Tribunal, or implementation of the orders of a Court or Tribunal;
If MDART is obliged to use or disclose your personal information as herein mentioned, it will create a written report of the use or disclosure.
We store information that we collect through cookies, log files, and/or third parties to create a profile of our users. Consequently, collected information is used to improve the content of the site for the user.
If you are a registered user, you will receive an additional cookie when you login. This cookie is maintained by your browser and contains our identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our Website that are limited to Registered Users, such as those that allow you to view and manage your portfolio or accounts.
You do not have to accept cookies from our site. Only the areas that require registration require cookies. Should you decide that you would like to register and login to special areas of the Website and you have modified your browser settings not to accept cookies, you will need to reset your browser to accept the cookies that we send. Otherwise, we will not be able to let you participate in certain areas of the Websites. Most browsers are defaulted to accept and maintain cookies.
Website usage data: with or without cookies, our Website keeps track of usage data, such as source address that a page request is coming from, your IP address or domain name, the date and the time of the page request, the referring the Website (if any) and other parameters in the URL. We use this data to better understand Website usage in the aggregate so that we know what areas of our Website users prefer. This information is stored in log files and is sued for aggregated and statistical reporting.
In some cases we may be required to disclose certain information to comply with a legal process, such as a court order, sub-poena or search warrant.
Disclosure of Your Personal Information
- To Provide Services: In order to process and complete the requested Service, we may disclose personal information to the recipient of a money transfer, to our agents or affiliates, and, if applicable, the recipient and any intermediary banks or other financial institutions or financial services companies involved in the transaction or our Service.
We take reasonable measures to ensure that personal information that may be processed by these service providers on our behalf is protected and not used or disclosed for purposes other than as directed by us, subject to legal requirements in the USA and other foreign countries applicable to our affiliates, agents and service providers, for example lawful requirements to disclose personal information to government authorities in those countries.
- Business Transactions:Your personal information may be used by us and disclosed to parties connected with the contemplated or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including, for example, your account with us), for purposes related to the evaluation and performance of these transactions, including:
- permitting such parties to evaluate and determine whether to proceed or continue with the transaction, and
- fulfilling reporting, inspection or audit requirements or obligations to such parties.
- FINCEN voluntary sharing platform: MDART shares customer information with other financial institutions participating in the FINCEN voluntary sharing platform. Such platform is hosted and moderated by FINCEN.
- Legal, Regulatory, etc: MDART may disclose your personal information as necessary to meet legal, regulatory, self-regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable USA and foreign laws).
USA BSA/AML/ Patriot Act require all financial institutions including MDART to verify but not limited to the identity of the customer, purpose of transaction and source of funds. To comply with these regulatory requirements, we will be comparing , which also include sharing the information that you have provided such as but not limited to Name, Address, Driver's license number and any other information contained in your consumer report, with available and reputable ID verification service provider. Such agency will only use the information in your consumer report for the purpose of validating your identity and no other.
If we are unable to validate your identity through the on-line process, you will be directed to an alternative, off-line process. Additional documentary proof might be required for establishing the source of funds. Normally the following documents , but not limited to might be required to establish the source of funds recent salary/pay stub, W2/1099 form, tax returns, current bank statement that proves the sender is the principal of the amount and that the transferred amount was in the account or withdrawal slip, worker’s compensation check copy, social security benefit check copy and if the source of fund is bank loan, certificate or letter from bank in which sender is informed of credit approval, value of loan and date issued.
State Privacy Laws
We will comply with state privacy laws to the extent they apply to MDART services.
In accordance with the California Financial Information Privacy Act ("Division 1.4") we will not share information we collect about you with companies outside of our corporate family, except as permitted by law, including, for example, we may share information with your consent or to service your account.
In accordance with Vermont law, we will not share information we collect about you with companies outside of MDART except as required or permitted by law. For example, we may share information to service your account.
Protecting Minors and Children’s Privacy Online
From our website, we do not knowingly target, collect or use personal information from children under 13. Children under 13 should not use this site. If you are under 18, you should get permission from a parent before using our services or site.
For more information about the Children's Online Privacy Protection Act (COPPA), visit the FTC website:www.ftc.gov.
By clicking on "I Agree" button, you agree to the use of your credit report for the purpose of validation of your identity and to provide necessary documents to establish the source of funds to us help facilitate the processing of this transaction alone and for no other purposes.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express (for example, orally, electronically or on a form you may sign describing the intended uses and disclosures of personal information) or implied (for example, when you provide information necessary for a service you have requested).
You may provide your consent in some circumstances where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn your consent for an identified purpose, such as by using an "opt out" option provided, if any. Consent may be given by your authorized representative (such as a legal guardian or a person having a power of attorney).
MDART collect’s, uses and discloses your personal information with your consent, except as permitted or required by law. We may be required or permitted under state laws, federal laws, or foreign statute or regulation to collect, use or disclose personal information without your consent, for example to comply with a court order, to comply with local or federal regulations or a legally permitted inquiry by a government agency, or to collect a debt owed to us.
MDART takes reasonable steps to protect your personal information using physical, electronic or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Our authorized employees, agents and subsidiaries who require access to your personal information in order to fulfill their job requirements will have access to your personal information.
We have in place a range of security safeguards to protect your personal information against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification, regardless of the format in which it is held.
The methods of protection may depend on the sensitivity of the information and the format in which it is contained. Security measures employed by MDART include:
- technological measures including 128 bit encryption for all data transfers over the Internet;
- strategic measures such as security clearances and limiting access to a “need to know” basis
MDART work to protect personally identifiable information stored on their site’s server from unauthorized access using commercially available and industrially acceptable standards of computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username and password are generally required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of security measures on a regular basis.
MDART ensures that their staffs are aware of the importance of maintaining the confidentiality of personal information.
Access, Correction and Contacting Us
MDART will upon request allow you to access to your personal information. The requested information shall be provided or made available in a form that is generally understandable.
In circumstances where you point out to us that any information held by us is inaccurate or incomplete, we will take appropriate action to amend the information as required and, if necessary, notify any third party of the correction.
There may be circumstances which preclude MDART from providing access to some or all of your personal information. Those circumstances could be:
- The information may contain references to other individuals;
- Legal, investigative, security, or commercial proprietary reasons; or
- The information is subject to solicitor – client or litigation privilege.
MDART may be prohibited by law from providing you with access to your personal information. For example, when the disclosure could
- Threaten the safety or physical or mental health of an individual other than you;
- Reasonably be expected to cause immediate or grave harm to your safety;
- Reveal personal information about another individual; or
- Contravene another law that prohibits the disclosure.
MDART may establish and maintain a file of your personal information for the purposes described above, which will be accessible at:
Moneydart Global Services Inc., DBA Xpress Money,
1000 Woodbridge Center Drive
Woodbridge NJ 07095.
If you wish to request access or correction of your personal information in our custody or control, you may write to the above address, attention Head - Operations. Your right to access or correct your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections.
If you wish to make inquiries or complaints or have other concerns about our personal information practices, you may write to us as described above, e-mail us at firstname.lastname@example.org ; or telephone us at +1 - 866 372 3874.
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our websites.
Protecting Your Privacy
Learn ways to protect your personal information from identity theft, and what you can do if you suspect someone has used your personal information. Please visit the Federal Trade Commission website on Identity Theft at:
Additional information on protecting your privacy online at: