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Last Updated: Sep 9, 2026
Table of Contents
I. Introduction
II. Scope
III. Definitions
IV. Information We Collect
1. Information you provide:
2. Information collected automatically:
3. Information from Third Parties:
V. The purpose of information collection
VI. How We Collect Information
VII. How We Use Your Information
VIII. How Do We Protect Your Information
IX. How and Who We Share Your Information
X. Your Privacy Rights
XI. International Data Transfers
XII. Data Retention
X.III Changes to This Policy
XIV. Links to Third-Party Websites and Services
XV. Children's Privacy
XVI. Contact and Complaints
I. Introduction
VCB Money, Inc. d.b.a EZMonex (“Company”, “we”, “us” or “our”) is a money service business (MSB) offering money transfer. We provide services in 20 states in the United States, including: California, Texas, Florida, Hawaii, Illinois, Maryland, Minnessota, North Carolina, South Carolina, Oregon, Pennsylvania, Utah, Verginia, Washington, Arizona, Alabama, Kansas, Mississippi, New Mexico and Georgia. Our registered address is 12112 Brookhurst St, Ste 11, Garden Grove, CA 92840, and you can contact us at http://ezmonex.com
II. Scope
This privacy policy (“Privacy Policy”) applies to all services (“Services”) provided by EZMonex, including our mobile application (“Application”), website and any other platforms or services that link to this policy while you (collectively, “You”, “your” or “users”) use our Services such as accessing Application, browsing our website and performing a transaction with us. We are committed to protecting your privacy and handling your personal information (Personal Information) responsibly. This Privacy Policy describes how we collect and use your Personal Information when you use our Services. This policy does not apply to third-party services or websites linked to our platforms. In this Privacy Policy, we also describe how we share your Personal Information with other parties and mechanisms to protect your information.
III. Definitions
• User: Person who uses our Services. • Personal Information: any information that identifies, relates to, or could reasonably be linked directly or indirectly with a particular user, including, but not limited to, his or her name, signature, social security number, address, telephone number, passport number, driver’s license or state identification or any other financial information, commercial information. • Sensitive personal information: “Sensitive personal information” means Personal Information that reveals: o A consumer’s social security, driver’s license, state identification card, or passport number. o A consumer’s account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account. o The content of mail, email, and text messages.
“Personal information” and “Sensitive personal information” does not include publicly available information that is lawfully made available to the general public from federal, state, or local government records.
• Service Provider (under California Consumer Privacy Act/California Privacy Protection Agency - CCPA/CPRA): A service provider is a third party contracted to perform a specific service on behalf of the business. The contract must prohibit the service provider from using the personal information for purposes other than performing the agreed-upon service. • Business purposes: “Business purpose” means the use of personal information for the business’ operational purposes, or other notified purposes, or for the service provider or contractor’s operational purposes. • “Share”: “Share”, “shared,” or “sharing” means making Personal Information available to another party, including a service provider or other third party, as permitted by applicable law. • Payment Instrument: the methods that a sender selects to pay for the transaction of money transfer, including credit card, debit card and bank account. • Receipient: a designated person or entity to receive funds. • AML: Anti-Money Laundering • KYC: Know Your Customer • CTF: Counter Terrorist Financing.
IV. Information We Collect
1. Information you provide:
• Identifiers: We may collect some or all of the following information, including:
o Basic information: Name, date of birth, title, gender, contact information, occupation, images, videos, and signature.
o Sensitive information: government ID numbers, social security number or other tax identification number and account details. We may also collect biometric data and protected classifications, with your consent, where required by law.
• Financial Information: In order to comply with AML/CTF laws and regulations and process payments and transactions we may collect sensitive financial information such as bank account, bank statement or a bank receipt reasonably shows the fund amount. • Commercial Information: Transaction records and other purchase histories related to money transfer services. When you use Services, we may collect information about the parties to the transaction, including:
o Basic information: the destination where you are sending money and bank preferences, the devices you use and how often you use Service.
o Sensitive information: the source of the funds, the reason for the transaction, and the Payment Instrument. If you choose to pay to a Receipient, we will require the recipient’s name, phone number, mailing address, email address and bank account information. We may also require your relationship with the receipient, transfer
reason and additional documentation(s) to demonstrate the source of funds and other information for AML compliance. This is necessary for us to make a payment to them, and you confirm that you know they agree or that you are otherwise allowed to give us this information and will inform them of the contents of this Policy. If there is a dispute between you and your recipient or authorized user, additional information may be collected to verify their identity with financial institutions.
• Business Information: If you are using our services on behalf of a business entity, we may collect information about the business including the organisational structure of the company and individuals involved in the business. We also may collect entity formation documents or other corporate records. EZMonex is required under AML/CTF laws and regulations to collect Personal Information of individuals who ultimately own or control corporate clients, directly or indirectly (Beneficial Owners). Such information may include the Beneficial Owner’s name, date of birth, title, gender, mailing address, phone number, email address, nationality, occupation and social security number or other tax identification number. You confirm that you know the Beneficial Owners agree or that you are otherwise allowed to give us this information and will inform the Beneficial Owners of the contents of this Privacy Policy.
2. Information collected automatically:
• Location information: we may collect your location when using our Services.
• Marketing and communications information: including your preferences to receive marketing from us.
• Usage information: including information about your interaction with our Services.
• Technical information: including IP address, internet or other similar network, browsing, time zone setting, screen resolution settings, browser plug-in types and versions, operating system and platform.
3. Information from Third Parties:
• Service Providers: Data from partners like banks, payment processors, or identity verification services (e.g., for fraud prevention or AML compliance).
• Analytics Providers: Aggregated data on user behavior from tools like Google Analytics.
• Public Sources: Information from credit bureaus, public records, or social media (if linked to your account).
V. The purpose of information collection
We collect, use and disclose Personal Information, including Sensitive Personal Information for our business purposes, to operate, manage, and maintain our business, to provide our products and services, and to accomplish our business purposes, including the following:
• To better understand your needs and provide you with the services you have requested.
• To fullfil our legitimate interest in improving our services and products. • Undertaking activities to verify or maintain the quality or safety of our services, and to improve, upgrade, or enhance that service. • Undertaking internal research into technological development. • Complying with laws and regulations and complying with other legal processes and law enforcement requirements.
VI. How We Collect Information
• Directly from you through interactions when you use our Services (sign-up forms or transactions) and/or contact us. • From government databases.
• Automatically through cookies and other tracking technologies when you interact with our application, emails, and advertisements.
• Through third-party verification services, such as data analytics providers, marketing/advertising service providers, social media platforms, fraud prevention/identity verification service providers, and public sources.
VII. How We Use Your Information
We use Personal Information collected from or about you for several purposes, including:
• To provide or improve our services
• To process and complete money transfers, including processing transactions, managing your account and facilitating money transfers or payments, analyzing usage patterns, troubleshooting issues and developing new features.
• For identity verification and regulatory compliance (such as AML and KYC requirements).
• Fraud detection and security monitoring.
• Communicating with you: send transactional updates, respond to inquiries, and provide customer support.
• Internal analytics to improve customer experience, services and staff training.
• To develop new products or enhance existing products and services.
• To communicate with you about our products, services, promotions, and offers and, where permitted by applicable law, to use limited customer information to create or match audiences, deliver advertisements for EZMonex products and services, measure advertising effectiveness, and suppress existing customers from certain advertising campaigns. • We may use your Personal Information, where permitted by applicable law, where required, with your consent or authorization, to provide you with information about products, services, promotions, or offers from our affiliates or selected third-party partners that we believe may be of interest to you.
• We may use authorized third parties, including marketing and advertising service providers, to assist us in delivering these communications on our behalf. Personal Information used for these purposes will be processed and disclosed only as permitted by applicable law and subject to applicable contractual, privacy, and security safeguards. • Other business or commercial purposes, with your consent.
VIII. How Do We Protect Your Information
• We are committed to protecting your Personal Information. We employ technical, physical, and organisational measures designed to safeguard your Personal Information against loss, misuse, or unauthorised access. Where appropriate, we use technical safeguards such as hashing to protect customer identifiers before they are provided to certain advertising or marketing service providers. Hashing converts identifiers into a protected format used for matching purposes. We continue to handle such information in accordance with applicable privacy and information-security requirements. • 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 Notice we have implemented in our organization.
• Regular security audit and vulnerability assessment.
IX. How and Who We Share Your Information
We do not sell your personal information or share it for cross-context behavioral advertising.
We may disclose limited Personal Information to service providers, marketing and advertising service providers, and advertising platforms that perform services on our behalf, including audience matching, campaign measurement, customer suppression, and delivery of advertisements for our products and services, as permitted by applicable law and subject to appropriate contractual restrictions.
We share your information only as necessary to provide our services, comply with laws, or with your consent, including:
• Affiliates: Our corporate affiliates for operational purposes.
• Service Providers: We may disclose Personal Information to third parties that provide services on our behalf, including payment processing, cloud hosting, identity verification, marketing and advertising services, delivery of marketing communications relating to our products or selected partner products, and fraud detection and investigation. Such service providers may use Personal Information only for authorized purposes and are subject to applicable confidentiality, data protection, security, and contractual restrictions.
• Third-party Partners: Where permitted by applicable law and, where required, with your consent or authorization, we may disclose limited Personal Information to selected non- affiliated third-party partners so that they may provide you with information about their
products, services, promotions, or offers. The information disclosed for these purposes may include limited contact identifiers, such as your name, email address, or telephone number, including in hashed or otherwise protected form where appropriate. We limit such disclosures to information that is reasonably necessary for the authorized purpose.
Third-party partners that receive Personal Information for these purposes are subject to applicable legal, contractual, privacy, and security requirements, including restrictions on the use, disclosure, retention, and protection of the information.
Where required by applicable law, you may revoke your consent to future disclosures.
• Advertising and Audience Services. Where permitted by applicable law, we may provide limited identifiers, such as an email address or telephone number, in hashed or otherwise protected form to authorized advertising service providers or platforms for purposes such as matching existing customers, delivering advertisements for EZMonex products and services, measuring campaign performance, and excluding existing customers from certain campaigns. We do not provide transaction details or other sensitive information for these audience-matching purposes unless separately reviewed and permitted by applicable law.
• Legal Authorities: Fraud prevention agencies, government agencies or regulators to comply with legal obligations or respond to lawful requests.
• For California residents, customer information collected, processed, used, or disclosed in connection with financial products or services may be subject to the GLBA and/or the CFIPA. We disclose such information to non-affiliated third parties only as required or permitted by applicable law, including where a third party performs authorized services on our behalf and is subject to appropriate contractual restrictions.
X. Your Privacy Rights
• You have the following rights regarding your Personal Information:
o Access: Request a copy of the information we hold about you. We allow you to receive information in a portable format, making it easy to transfer to other entities.
o Correction: Update or correct inaccurate information.
o Deletion: Request deletion of your information (the right to be forgotten), unless we are required to retain it for legal or operational reasons.
o Marketing Communications Opt-out: You may opt out of receiving promotional emails or other marketing communications from us by following the unsubscribed instructions contained in the communication or by contacting us.
o Partner Marketing and Consent Choices: Where we rely on your consent or authorization to disclose Personal Information to non-affiliated third-party partners for their marketing purposes, you may revoke or modify that consent at any time by logging in the EZMonex application and select select “Revoke Consent” or email us at support@ezmonex.com or go to our office or mail us at 12112 Brookhurst St, Ste 11,
Garden Grove, CA 92840. Your revocation will apply to future disclosures after we process your request and will not affect disclosures lawfully made before the revocation became effective.
o Privacy Choices: Where applicable law provides you with rights concerning the disclosure or use of your Personal Information, you may exercise those rights using the methods described in this Privacy Policy.
o Object or Restrict: Object to or limit certain types of data processing based on legitimate interests.
o Withdraw: You have the right to withdraw your consent at any time. Withdrawal of consent will not affect the lawfulness of any collection, use, disclosure, or other processing of your Personal Information conducted based on your consent prior to the withdrawal. However, where your consent is necessary for us to collect, use, disclose, or otherwise process your Personal Information in order to provide a particular product or service, withdrawing your consent may prevent us from providing, or continuing to provide, that product or service to you.
• California Consumers Rights under the CCPA
In accordance with the CCPA, residents of California may exercise the following rights:
o Consumers’ Right to Know and Right to Access Personal Information - You will receive this Notice at or before the point of collection of your Personal Information. - You have the right to request that EZMonex disclose to you free of charge the following information covering the 12 months preceding your request: ▪ The categories of Personal Information about you that we collected. ▪ The categories of sources from which the Personal Information was collected. ▪ The purpose for collecting Personal Information about you. ▪ The categories of third parties to whom we disclosed Personal Information about you and the categories of Personal Information that were disclosed (if applicable) and the purpose for disclosing the Personal Information about you; and ▪ The specific pieces of Personal Information we collected about you. o Consumers’ Right to Correct Inaccurate Personal Information
You have the right to request that EZMonex correct inaccurate Personal Information collected from you, subject to certain exceptions allowed under applicable law. We will accept, review, and consider any documentation that you provide in connection with your right to correct, provided that you make a good-faith effort to provide EZMonex with all relevant information available at the time of the request.
o Consumers’ Right to Delete Personal Information
You have the right to request that EZMonex delete Personal Information collected from you, subject to certain exceptions allowed under applicable law.
o Consumers’ Right of No Retaliation Following Opt out or Exercise of Other Rights Be free from unlawful discrimination for exercising your rights under the CCPA. This means that we will not penalise you for exercising your rights by taking actions such as denying you services; increasing the price/rate of services; decreasing service quality; or suggesting that we may penalise you as described above for exercising your rights.
Requests for specific pieces of Personal Information will require additional information to verify your identity. For individuals submitting a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom the request is made.
In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, such as where the disclosure of Personal Information would adversely affect the rights and freedoms of another California resident.
We will advise you in our response if we are not able to honor your request. We will not provide Social Security numbers, driver's license numbers or government-issued identification numbers or any specific pieces of information if the disclosure presents the possibility of unauthorized access that could result in identity theft or fraud or unreasonable risk to data or systems and network security.
We will work to process all verified requests within forty (45) days pursuant to the CCPA. If we need an extension for up to an additional forty (45) days in order to process your request, we will provide you with an explanation for the delay.
To exercise your rights, please contact us as described in the "Contact and Complaints" section. We will need to verify your identity before processing your request.
XI. International Data Transfers
We may transfer your personal information internationally, including outside your country of residence. We will ensure that your data receives a similar degree of protection in your country of residence. We use safeguards like standard contractual clauses to ensure compliance with applicable privacy laws.
XII. Data Retention
We will retain your personal information as long as necessary to fulfill the purposes for which it was collected, including for legal, accounting, or reporting requirements.
Customer information provided to marketing or advertising service providers will be retained only for as long as reasonably necessary for the authorized purpose, subject to applicable legal requirements and contractual retention and deletion obligations.
Sensitive data, such as biometric information, is deleted within three (3) years of account closure, unless required by law.
X.III Changes to This Policy
We may amend/update this policy to reflect changes in our practices or legal requirements. We will notify you via Application, email or our website at least thirty (30) days before significant changes take effect. Check ezmonex.com/privacy for the latest version.
XIV. Links to Third-Party Websites and Services
Our platforms may contain links to third-party websites or services whose privacy practices may differ from our policies. We are not responsible for the privacy policies of these websites and encourage you to read their privacy policies before providing them with your personal information.
XV. Children's Privacy
Our services are not intended for individuals under 18. If we discover that we have collected data from a minor, we will delete it promptly. Contact us if you believe we have inadvertently collected such data.
XVI. Contact and Complaints
If you have any questions, comments, or requests regarding our Privacy Policy, please contact us at at email support@ezmonex.com or phone number +1 (888) 837 - 6886 or mailing address 12112 Brookhurst St, Ste 11, Garden Grove, CA 922840. If you feel that we have not addressed your concerns or that your data protection or privacy rights have been infringed, you may complain to the appropriate supervisory authority.