JOURNIE PRIVACY POLICY
Last Updated: June 2026
This Privacy Policy ("Policy") explains how Journie Financial Inc. ("Journie", "we", "us", or "our"), a Money Services Business registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), collects, uses, discloses, and safeguards your personal information when you use our platform and services. This Policy is governed by Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.
1. Information We Collect
Personal Identification Information: When you register or transact on Journie, we collect information including your full legal name, date of birth, home address, email address, phone number, and government-issued identification (e.g. passport, driver's licence, permanent resident card).
Financial Information: We collect bank account details, transaction history, source of funds declarations, and payment information necessary to process your transfers.
Identity Verification Data: As required under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), we collect and verify identity documents and may collect biometric data (e.g. selfie or liveness check) through our KYC verification partners.
Usage Data: We automatically collect information about how you interact with our platform, including IP address, device type, operating system, browser type, pages visited, and session duration.
Transaction Data: We collect records of all transactions processed through Journie, including amounts, currencies, dates, recipient details, and transaction identifiers.
2. Why We Collect Your Information
We collect and use your personal information to:
- Verify your identity and comply with FINTRAC KYC/AML obligations under the PCMLTFA
- Process and complete your money transfer transactions
- Detect, investigate, and prevent fraud, money laundering, and terrorist financing
- Comply with mandatory regulatory reporting requirements including Large Cash Transaction Reports and Electronic Funds Transfer Reports to FINTRAC
- Communicate with you about your account, transactions, and our services
- Improve our platform, develop new features, and personalise your experience
- Meet our legal and regulatory obligations under federal and provincial law
3. Legal Basis for Processing
Journie processes your personal information on the following grounds:
- Contractual necessity — to provide the services you have requested
- Legal obligation — to comply with FINTRAC, PCMLTFA, PIPEDA, and other applicable Canadian laws
- Legitimate interest — to detect and prevent fraud and financial crime
- Consent — where required, and which you may withdraw at any time (subject to legal retention obligations)
4. Sharing of Your Information
We do not sell your personal information. We may share it with:
Regulatory Authorities: FINTRAC, the Financial Consumer Agency of Canada (FCAC), Canada Revenue Agency (CRA), law enforcement, and other government bodies as required by law — including mandatory suspicious transaction reports and threshold transaction reports.
Banking & Payment Partners: Our banking partners, payment processors, and correspondent financial institutions required to process your transfers (e.g. Tellerpoint, Interac).
KYC/Compliance Vendors: Third-party identity verification and AML screening providers who assist us in meeting our regulatory obligations.
Technology Service Providers: Cloud hosting, security, and analytics providers operating under strict data processing agreements who may not use your data for their own purposes.
Legal & Professional Advisors: Lawyers, auditors, and compliance consultants bound by professional confidentiality obligations.
All third parties we engage are required to handle your information in accordance with applicable Canadian privacy law and our contractual requirements.
5. Data Retention
In compliance with FINTRAC regulations, Journie retains your records — including identity verification documents, transaction records, and KYC files — for a minimum of five (5) years from the date of the last transaction or account closure, whichever is later. This retention period is a legal requirement and cannot be shortened upon request.
Other personal information is retained only as long as necessary to fulfil the purposes for which it was collected, or as required by law.
6. Security of Your Information
Journie implements industry-standard technical and organisational security measures to protect your personal information, including:
- TLS/SSL encryption for all data in transit
- AES-256 encryption for sensitive data at rest
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Strict access controls and employee training on data protection
While we take all reasonable precautions, no transmission over the internet is completely secure. You are responsible for maintaining the confidentiality of your account credentials.
7. Your Rights Under PIPEDA
As a Canadian resident, you have the right to:
- Access the personal information we hold about you
- Correct inaccurate or incomplete information
- Withdraw consent to non-essential uses of your data (subject to legal retention requirements)
- File a complaint with the Office of the Privacy Commissioner of Canada (OPC) at www.priv.gc.ca if you believe your privacy rights have been violated
To exercise any of these rights, contact us at support@myjournie.com. We will respond within 30 days.
Please note that certain information cannot be deleted or corrected where retention is required by FINTRAC regulations.
8. Cookies & Tracking Technologies
Journie uses cookies and similar technologies to maintain your session, remember your preferences, and analyse platform usage. You may control cookie settings through your browser, though disabling certain cookies may affect platform functionality. For full details, see our Cookie Policy.
9. International Data Transfers
Your information may be processed or stored on servers located outside Canada (including in the United States) by our service providers. Where this occurs, we ensure equivalent levels of protection are in place through contractual agreements consistent with PIPEDA requirements.
10. Changes to This Policy
We may update this Policy from time to time to reflect changes in law, regulation, or our practices. Material changes will be communicated via email or a prominent notice on the platform at least 14 days before taking effect. Your continued use of Journie after the effective date constitutes acceptance of the updated Policy.
11. Contact Us & Complaints
Journie Financial Inc. 3–5 Pearl Crescent, Chatham, Ontario, Canada, N7M 5R7 📧 support@myjournie.com 📞 +1 854 846 55
If you have concerns about how we handle your personal information, you may also contact:
Office of the Privacy Commissioner of Canada 30 Victoria Street, Gatineau, Quebec K1A 1H3 www.priv.gc.ca | 1-800-282-1376
FINTRAC-Registered Money Services Business