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Privacy Policy

How we collect, use, and protect your personal information.

Effective Date: 1 February 2026

AWUJO AO INTERNATIONAL INC. (operating as "AWUJO", "we", "our", or "us") is committed to protecting the privacy and personal information of individuals and businesses that use our services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at awujo.ca or use our cross-border payment services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and all applicable provincial privacy legislation.

1. Information We Collect

We collect the following categories of information in connection with our services:

1.1 Business and Identity Information

  • Legal business name, trade name, and business registration number
  • Certificate of incorporation or equivalent formation documents
  • Business address, telephone number, and email address
  • Names, dates of birth, and identification documents of directors, officers, and beneficial owners holding 25% or more ownership
  • Nature and purpose of your business, including expected transaction volumes and corridors
  • Source of funds and source of wealth information

1.2 Transaction Information

  • Payment amounts, currencies, exchange rates, and transaction dates
  • Beneficiary names, account details, and addresses
  • Transaction references and status updates
  • Funding method details (bank account information for EFT, wire transfer, or Interac e-Transfer)

1.3 Technical Information

  • IP address, browser type, and operating system
  • Pages visited, time spent on pages, and referring URLs
  • Device identifiers and cookie data (see our Cookie Policy)

1.4 Communications

  • Emails, phone calls, and messages exchanged with our team
  • Contact form submissions and support requests
  • Feedback and survey responses

2. How We Use Your Information

We use the information we collect for the following purposes:

  • Service delivery: To process cross-border payments, convert currencies, and settle transactions on your behalf
  • Regulatory compliance: To comply with Know Your Customer (KYC), Know Your Business (KYB), and Anti-Money Laundering/Anti-Terrorist Financing (AML/ATF) requirements under FINTRAC regulations and the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
  • Transaction screening: To screen transactions against sanctions lists, politically exposed persons (PEP) databases, and adverse media sources
  • Fraud prevention: To detect, investigate, and prevent fraudulent or unauthorised transactions
  • Customer support: To respond to your enquiries and resolve issues
  • Service improvement: To analyse usage patterns, improve our platform, and develop new features
  • Communications: To send you service updates, security alerts, and transaction confirmations

We do not use your personal information for automated decision-making that produces legal effects concerning you without human oversight.

3. Legal Basis for Processing

We process your personal information on the following grounds:

  • Contractual necessity: Processing is required to provide the payment services you have requested
  • Legal obligation: We are required by law to collect and retain certain information under FINTRAC regulations, including customer identification, transaction records, and suspicious transaction reports
  • Consent: Where required, we obtain your consent before collecting or using your information for purposes beyond what is necessary for service delivery or legal compliance
  • Legitimate interest: To improve our services, prevent fraud, and protect the security of our platform

4. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your information with the following parties:

  • Banking partners: Schedule I Canadian banks and correspondent banking partners that hold client funds or facilitate settlements
  • Payment partners: Licensed payment service providers in destination countries that process the final leg of your transactions
  • Regulatory authorities: FINTRAC and other regulatory bodies as required by law, including filing of Large Cash Transaction Reports (LCTRs), Electronic Funds Transfer Reports (EFTRs), and Suspicious Transaction Reports (STRs)
  • Compliance service providers: Third party screening and verification services used for identity verification, sanctions screening, and PEP checks
  • Professional advisors: Legal counsel, auditors, and accountants as necessary for the operation of our business
  • Law enforcement: Where required by valid legal process, court order, or subpoena

All third parties with whom we share information are contractually required to protect it in accordance with applicable privacy laws.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations. Under FINTRAC regulations, we are required to retain certain records for a minimum of five years from the date the record was created or the date the last business transaction was conducted, whichever is later. After the applicable retention period, records are securely destroyed.

6. Data Security

We implement industry-standard security measures to protect your information, including:

  • 256 bit TLS encryption for all data in transit
  • AES-256 encryption for data at rest
  • Multi-factor authentication for account access
  • Role-based access controls limiting employee access to personal information on a need-to-know basis
  • Regular security audits and penetration testing
  • Segregated trust accounts at Schedule I Canadian banks for client funds

While we take reasonable precautions, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security of your information.

7. International Transfers

By using our cross-border payment services, you acknowledge that certain information (such as beneficiary details and transaction data) will be transferred to jurisdictions outside of Canada for the purpose of processing your payments. We take reasonable steps to ensure that your information is treated securely and in accordance with this Privacy Policy, including working only with regulated partners in destination countries.

8. Your Rights

Under PIPEDA and applicable provincial legislation, you have the right to:

  • Access: Request a copy of the personal information we hold about you
  • Correction: Request that we correct any inaccurate or incomplete information
  • Withdrawal of consent: Withdraw your consent to the collection, use, or disclosure of your personal information, subject to legal or contractual obligations
  • Complaint: File a complaint about our privacy practices with our Privacy Officer or the Office of the Privacy Commissioner of Canada

Please note that certain information must be retained to comply with our regulatory obligations under FINTRAC, even if you close your account or withdraw consent.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. We will notify you of any material changes by posting the updated policy on our website with a revised effective date. Your continued use of our services after any changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to make a complaint, please contact our Privacy Officer:

Email: support@awujo.com
Post: Privacy Officer, AWUJO AO INTERNATIONAL INC., 2437 Postmaster Drive, Oakville, Ontario, Canada L6M 0J2
Phone: +1 (651) 508 2192

If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada.