TopUp360's Privacy Philosophy


This Privacy Statement describes how Ecocarrier Inc. ("", we, us and our) collects, uses and discloses your personal information. Personal information is information about an identifiable individual. This Privacy Statement applies to our collection, use and disclosure of personal information about our consumer and business customers and other individuals we deal (you and your). This Privacy Statement does not apply to information about our employees or to information that is not personal information.


"" collects personal information about you from a variety of sources in the course of providing money transfer and payment services and related products and services we provide. Personal information we collect and the sources of such personal information include the following:

We collect personal information when you register and ask us to send mobile credit top up or to provide other goods or services, provided by telephone, online at our Website, through paper-based forms or at Our agent locations. This personal information may include identities and contact information of senders and recipients of mobile credit top up or payments, credit card, banking or other billing information, and other personal identifiers, out of wallet questions used to verify your identity for security and fraud prevention purposes, identification number and amounts paid or transferred. We collect personal information when you submit personal information on applications or other forms to us or our affiliates, including in connection with sending and receiving money transfers, through your enrolment and participation in loyalty programs and when you provide additional information we may reasonably request for fraud prevention purposes. We collect information about your transactions with us, including transaction history, such as frequency of use and amounts transferred. 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 our business customers, government agencies and consumer reporting agencies; We collect information regarding your online activity as described in the section below titled


We may collect personal information otherwise with your consent or as permitted or required by law.


"" generally uses personal information in the course of its mobile credit top up, payment and related services and products for the following purposes:

Authorizing and processing your transactions, including effecting and administering mobile credit top ups and payments 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, risk management, fraud prevention and security requirements, which may include (among other measures) verifying the identity of the sender and recipient of funds and checking identities against money laundering, terrorist financing or similar watch lists established by regulatory agencies or similar bodies in Canada, the United States or in other countries. For identity verification purposes, senders and recipients of mobile credit top ups or payments may be required to produce valid identification [or consent to verification by other means] before releasing funds. For marketing and promotional purposes, unless you opt out or withdraw consent to this purpose, as described in the section entitled Offers, Promotions and Opting Out below. Maintaining business and transaction records for reasonable periods, and generally managing and administering our business. In connection with certain business transactions relating to "", its business or assets, as further described in the section entitled Information We Disclose below. Meeting insurance, audit and processing requirements. Otherwise with your consent or as permitted or required by law.


We may disclose your personal information to our affiliates and to unaffiliated third parties in connection with the purposes described in this Privacy Statement as follows:

To Provide Services. In order to process and complete requested mobile credit top ups and payments, we may disclose personal information to the recipient of a mobile credit top up or payment, to our local affiliates at the sender's or receiver's location, as applicable, to authorized agents (both at the sender's and the recipient's location), to our mobile credit top up service providers, to the mobile operator of the recipient, and, if applicable, to any banks or other financial institutions or financial services companies involved in the transaction or our services. Business Partners. Some of our services or programs that you participate in are provided jointly with other third party business partners, and certain personal information may be disclosed to these third party businesses for the purpose of administering the service or program. Marketing Purposes. We may disclose personal information to third parties for marketing and promotional purposes, unless you opt out or withdraw consent to this disclosure, as described in the section entitled Offers, Promotions and Opting Out below.

Service Providers. We may transfer personal information to outside agents or service providers (including affiliates of "" acting in this capacity) that perform services on our behalf, for example marketing, information technology and/or data hosting or processing services. Some of these service providers or affiliates may be located outside of Canada, including in the United States, and your personal information may be collected, used, disclosed, stored and processed in the United States or elsewhere outside of Canada for the purposes described in this Privacy Statement. 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 Canada, the United States and other foreign countries applicable to "" 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 "" 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 service 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. Successors and assigns of "" and/or its business or assets may use and disclose your personal information for similar purposes as described in this Privacy Statement. Legal, Regulatory, etc. "" may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law (including as required by applicable Canadian and foreign laws). This may include lawful requirements to disclose personal information to government authorities in Canada and in foreign countries, for example disclosures in compliance with suspicious activity reporting requirements under anti-terrorism, anti-money laundering and similar laws and regulations in Canada or in foreign countries.


"" may use your contact details and information about your use of our services (e.g. frequency, value of mobile credit top up, or destination country) for marketing and solicitation purposes to send you offers, promotions or information about additional products and services of "" and our affiliates that may be of interest to you. In addition, "" may disclose your contact details to third parties to permit those organizations to offer and provide information about their products and services that may interest you. These third parties may include, as examples:

Ecocarrier Inc. ("") affiliates Authorized Ecocarrier Inc. ("") agents

You may opt out or withdraw consent to the use and/or disclosure of your personal information for the purposes described in this section at any time by checking the appropriate box in the email preferences of your account in If you do not opt out or withdraw your consent as described above, we will assume that you consent to our use and disclosure of your personal information for marketing and solicitation purposes as described in this section.


Some of "" services (for example money transfers) are made available using online forms at our Website, Personal information you provide on online forms or by other electronic means will be collected used and disclosed as described generally in this Privacy Statement.

In addition, when you visit or use our Websites, we collect information about the domain and host from which you access the Internet; your computer's Internet address; the browser and operating system software you use; the date and time you access our Website and the Internet address of the site from which you linked to our Website when you visit us. We use this information to diagnose, administer and optimize our Websites and web-related services.

When registering or creating an account at our Websites, we collect your password and login name and other information we may request in order to identify you, maintain security of our Website and verify and control access to your account or online profile. If you make inquiries through the e-mail links, forms or other contact methods provided on our Websites, these inquiries are forwarded to the relevant office or department, and are used to respond to your inquiry and maintain a record of correspondence.

We collect aggregated data which tracks users as a whole. Aggregated data tracks "" user activity in general, and is not used to identify you personally. Aggregated tracking information helps us to determine which areas of our site users like and do not like based on traffic to those areas. Ecocarrier Inc. ("") does not track what you read, but rather how well each page performs overall. This data helps us to continue to deliver a better service for you. We may disclose such aggregated information to third parties such as our advertisers and partners.

We use Internet technologies like cookies and web beacons to facilitate the services we provide on our Websites and your use of our Websites, including:

To assist us in providing services to you;
To allow you to change web pages during your visit without having to re-enter your password;
To store your preferences and other information and to track activity on our Website;
To better understand the effectiveness of our promotional campaigns;
To determine whether you came to our site from a banner ad or an affiliate website;
To deliver Information specific to your interests on additional websites; and To determine whether you've acted on our promotional messages

A "cookie" is a text file placed on your computer's hard drive by a web server, which allows for personalization of certain aspects of your visit to that website. "Web beacons" are transparent electronic images placed in the web code that collect non-personal data while visiting a website. Cookies and web beacons can usually be disabled by changing your browser preferences. Your browser usually has documentation on how to disable cookies and web beacons. Note that disabling cookies may limit the performance of "" Website(s). If cookies are disabled, certain features of our Websites may not function properly, and you may not be able to register or use your online account.

To protect both you and us, we use services provided by a third-party to help decide whether to accept transactions from personal computers, mobile phones, or other devices. The third-party service checks whether these devices have been identified with fraudulent or abusive transactions in the past, such as reported instances of identity theft, account takeovers, or malware attacks. For this purpose, a cookie file, flash storage token, or other code file may be placed on your device to identify it in the future when you visit our Website or connect with our applications. On connection with our site or service, we will transmit that device identification code to the third-party's server, along with data concerning certain technical attributes of your device such as the model, operating system, and browser version, as well as the IP address, all of which are used to confirm device identification. The third-party's server responds with a code recommending that transactions be accepted, denied, or reviewed, according to settings we have selected. We also report to the third-party if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. If you set your browser or device to reject these cookies or tokens, you may not be able to conclude some transactions through our Website or application. We share with the third-party referenced above only your account ID (email address) and information about the device you are using, which may also have been used or appropriated by others, and do not identify you or reveal the details of your transaction to that third-party. The third-party uses your email address only as an account identifier and will not use it to contact you and will not share it with any other party. If your requested transaction is declined, or if you have questions about our use of a device reputation service, please contact

Children's Privacy. Our Websites are not directed at children under the age of 13. "" does not knowingly collect or maintain personal information at our Website from those we actually know are under the age of 13.

External Websites. Our Websites may be linked to or from third party websites. These links are provided as a convenience only, and "" is not responsible for the content or privacy practices of websites that are linked to or from our Website. You are advised to review the privacy policies of any third party websites you visit.


Generally, by using our Website and providing us with personal information, you consent to our collection, use and disclosure of such information for the purposes described in this Privacy Statement, if applicable, or otherwise at the time of collection of your personal information.

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).

You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services. Note also that where we have provided or are providing services to you, your consent will be valid for so long as necessary to fulfil the purposes described in this Privacy Statement or otherwise at the time of collection, and you may not be permitted to withdraw consent to certain necessary uses and disclosures (for example, but not limited to, maintaining reasonable business and transaction records, disclosures to Canadian and foreign government entities as required to comply with laws, and reporting on credit information after credit has been granted, if applicable).

We may also be required or permitted under 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.


We endeavour to maintain physical, electronic and procedural safeguards to protect personal information against loss or theft, as well as unauthorized access, disclosure, copying, use or modification. Authorized employees, agents, representatives and mandates that require access to your personal information in order to fulfil their job requirements will have access to your personal information.

We are regulated by FINTRAC and Canada Revenue Agency, both Canadian government agencies. We use 128-bit data security encryption to ensure that your financial information sent between your web browser and our Website remains private and secure. The servers we use to store your information are protected both physically and electronically. They reside behind a firewall and are not directly connected to the Internet. We regularly audit our security policies to ensure the protection of your personal data.

No data transmission over the Internet or the telephone can be guaranteed to be perfectly secure, and any personal information you submit to us or access electronically or over the telephone is done at your own risk, and "" does not guarantee or warrant the security of information transmitted in these manners. You should be aware that third parties may unlawfully intercept your transmissions or may wrongly instruct you to disclose personal information to them while posing as "" and you should exercise caution when providing personal information to any person.

"" record retention policies dictate that we maintain information about you, including your opt-out choices, for a fixed time period. If you do not perform another transaction during the fixed time period, your Information, as well as your opt-out choice will be removed. If you perform another transaction or otherwise provide us with personal information thereafter, you will be afforded another opportunity to opt-out.


"" offers the ability to correct or change the information collected during your registration. You can login to your account and change your information.


You may delete your account at any time by sending an email to


"" reserves the right to modify this Privacy Statement from time to time. You can get updated Privacy Statements by visiting our Website at We urge you to review this Privacy Statement frequently to obtain the current version. Your continued provision of personal information or use of our services following any changes to this Privacy Statement constitutes your acceptance of any such changes.

Ecocarrier Inc.
30 East Beaver Creek Road, Unit 209
Richmond Hill, Ontario
Canada L4B 1J2
Telephone: +1-905-597-8133
Fax: +1-905-597-9122


Refund of top up price and cancellation of the mobile credit top up will be made upon written request of the Sender if the top up has not yet been sent to the Receiver at the time the request is processed by Ecocarrier Inc. (""). Refund will be made within 45 days of receipt of a valid written request from the Sender. Refund of top up price will be made upon written request of the Sender if the top up is not sent to the Receiver within the time specified by Ecocarrier Inc. ("") for the selected service. Refund will be made within 45 days of receipt of a valid written request from the Sender. Refund of top up PIN price and cancellation of the top up PIN will be made upon written request of the Sender if the top up has not yet been issued at the time the request is processed by Ecocarrier Inc. (""). Refund will be made within 45 days of receipt of a valid written request from the Sender.
Ecocarrier Inc.
30 East Beaver Creek Road, Unit 209
Richmond Hill, Ontario
Canada L4B 1J2
Telephone: +1-905-597-8133
Fax: +1-905-597-9122


AML and Compliance Policy





We are required to report the following types of transactions to FINTRAC:

Suspicious Transactions
Terrorist Property
Large Cash Transactions
Electronic Funds Transfers


We are required to keep all client, transaction and corporate records for a minimum of 5 years.


We are required to collect and verify your identification for transactions of $1,000 and more.


For transactions of $100,000 and more, we are required to make PEFP determination.


If you are conducting a transaction on someone else's behalf, we are required to obtain information on both parties: you and the person on whose behalf you are conducting the transaction.


We are required to maintain a compliance program containing adequate policies and procedures in accordance with the FINTRAC regulations.

For more information, refer to FINTRAC website:




It is our policy to check each transaction against the OSFI and OFAC watch lists. Any matched names are subject to further review by the compliance officer.

TRANSACTION MONITORING We have adequate controls pertaining to the transaction activity at several instances of the life cycle of a transaction. These controls include:

Client Profiling
Risk Assessment
Client Identification Controls and Validations
Transaction Aggregation Thresholds
Government Reporting Controls and Validations
Possible Structuring Reporting
Enhanced Due Diligence Reporting

Ecocarrier Inc.
30 East Beaver Creek Road, Unit 209
Richmond Hill, Ontario
Canada L4B 1J2
Telephone: +1-905-597-8133
Fax: +1-905-597-9122