Privacy Policy

Privacy Policy

Effective date: 10 September 2026

Introduction

This Privacy Policy explains how SendNex Inc. ("SendNex," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit sendnex.app, contact us, create or use an account, use our mobile application, request a quote, send money, receive support, or otherwise interact with a SendNex service.

Our mailing address is 30 N Gould St Ste R, Sheridan, Wyoming 82801, United States. For privacy questions or requests, email info@sendnex.app. Because SendNex works with regulated financial and technology partners, some partners may also process your personal information under their own privacy notices when their services apply to you.

1. Information we collect

The information we collect depends on how you interact with SendNex, the country from which you use the service, the transfer you request, and the compliance requirements that apply.

• Identity and contact information, such as your name, date of birth, residential address, email address, and phone number.
• Identity-verification and compliance information, such as government-issued identification details or documents, photographs or selfies used for verification, taxpayer or government identification numbers where required, occupation, source of funds, source of wealth, and screening or verification results.
• Account information, such as account identifiers, authentication events, account status, preferences, and security settings.
• Transaction information, such as recipients, recipient contact and payout details, amounts, currencies, quotes, exchange rates, payment methods, payout methods, transfer status, refunds, disputes, and transaction history.
• Payment-related information. Depending on the payment method, payment details may be collected directly by a regulated partner or payment processor. SendNex may receive limited payment identifiers, account details, tokens, authorization results, and transaction status rather than full payment-card credentials.
• Device, technical, and usage information, such as IP address, browser or device type, operating system, device identifiers, application events, crash or security logs, language, time zone, and cookie or privacy preferences.
• Location information, such as approximate location derived from your IP address and, where a feature requires it and applicable permissions are provided, more precise device location used for fraud prevention, security, or regulatory purposes.
• Communications and support information, such as support requests, complaints, call or message records where lawfully recorded, feedback, survey responses, and marketing preferences.

2. Information about recipients and other people

When you send money or use another feature involving another person, you may provide information about a recipient or other third party. This may include their name, phone number, bank or mobile-money details, location, relationship to you, and other information needed to complete or review the transfer.

You should provide another person's information only when you are authorized to do so and only to the extent reasonably necessary for the service.

3. Where information comes from

We receive information directly from you, automatically from the website, application, and your device, and from service providers involved in identity verification, fraud prevention, payments, banking, compliance, and payout delivery.

Where lawful, we may also receive information from recipients, financial institutions, public records, sanctions and politically exposed persons databases, fraud-prevention databases, regulators, law-enforcement bodies, and other third parties used to verify information or comply with legal obligations.

4. How and why we use information

We use personal information to provide the service, protect users and the financial system, meet legal and regulatory obligations, operate and improve SendNex, and communicate with you. Where applicable law requires a legal basis, we rely on performance of a contract, compliance with legal obligations, legitimate interests, consent, or another lawful basis available under applicable law.

• Create and administer accounts and provide quotes, transfers, payouts, refunds, receipts, support, and service communications.
• Verify identity and eligibility and comply with anti-money-laundering, counter-terrorist-financing, sanctions, fraud-prevention, tax, recordkeeping, reporting, and other regulatory requirements.
• Review transactions, investigate suspicious or unauthorized activity, manage risk, protect users and partners, and enforce our Terms & Conditions.
• Process payments and payouts and coordinate with banks, payment networks, mobile-money providers, regulated financial partners, and recipient providers.
• Monitor performance, troubleshoot problems, secure the service, prevent abuse, improve accessibility and user experience, and develop or test features.
• Respond to support requests, complaints, regulatory inquiries, disputes, and legal claims.
• Send product or marketing communications where you have consented or where another lawful basis permits them. You may opt out of marketing communications at any time.

5. Who we share information with

We disclose personal information only as reasonably necessary to operate SendNex, complete transactions, protect the service, comply with law, or for another purpose described in this Privacy Policy.

• Regulated financial and payment partners, including banks, money-services businesses, payment processors, card and bank networks, settlement providers, and other regulated entities involved in a transaction.
• Cybrid, its affiliates, and relevant financial partners when a Cybrid-powered service applies, including for payment infrastructure, identity or compliance functions, transaction processing, risk management, or other services made available through Cybrid.
• Recipient banks, mobile-money operators, payout providers, and other entities required to deliver funds to the recipient.
• Identity-verification, sanctions-screening, fraud-prevention, cybersecurity, cloud, communications, customer-support, analytics, and other technology suppliers acting for us or supporting the service.
• Professional advisers, insurers, auditors, accountants, and legal counsel where reasonably necessary.
• Regulators, courts, law-enforcement agencies, tax authorities, and other public authorities where disclosure is required or permitted by law.
• A buyer, investor, successor, or other relevant party in connection with a genuine merger, financing, acquisition, reorganization, sale of assets, insolvency, or similar corporate transaction, subject to appropriate safeguards.

6. Cybrid and partner privacy notices

Some SendNex services rely on partners that act as independent or additional controllers, regulated service providers, or processors of personal information. Their own privacy notices may apply in addition to this Privacy Policy.

When a Cybrid-powered service applies, Cybrid may collect and process information under the Cybrid Privacy Policy, including information used for identity verification, fraud prevention, risk management, payments, and regulatory compliance. You should review Cybrid's privacy terms before using the relevant service.

Where another regulated partner is responsible for a particular service, we may present that partner's privacy notice, disclosure, or consent flow in the application or transaction experience.

7. International processing and transfers

SendNex provides cross-border services. Personal information may therefore be accessed, stored, or processed in the United States, Canada, recipient countries in Africa, and other countries where our partners or service providers operate.

Privacy and data-protection laws may differ between countries. Where required by applicable law, we use contractual, technical, organizational, or other recognized safeguards for international transfers of personal information.

8. How long we keep information

We keep personal information for as long as reasonably necessary for the purposes described in this Privacy Policy and for any additional period required by financial-services, anti-money-laundering, tax, payments, litigation, recordkeeping, or other applicable laws and partner obligations.

Because financial-services records may need to be retained after an account closes or a transaction completes, deleting or closing your SendNex account does not necessarily result in immediate deletion of all records. When information is no longer required, we delete, anonymize, or otherwise dispose of it in accordance with our retention requirements.

9. Your privacy rights and choices

Depending on where you live and which privacy law applies, you may have rights to access, correct, delete, restrict, object to, or receive a portable copy of personal information; withdraw consent; opt out of certain processing; or complain to a privacy or data-protection authority. Some rights may be limited where we or a regulated partner must retain or process information to comply with financial-services, anti-money-laundering, fraud-prevention, legal, or regulatory obligations.

To submit a privacy request, email info@sendnex.app. We may need to verify your identity before completing the request and may ask for information reasonably necessary to protect your account and personal information.

Where a partner independently controls information about you, you may also need to exercise certain rights directly with that partner under its privacy notice.

10. Marketing, analytics, and sale or sharing of information

We do not sell personal information for monetary consideration. If we use advertising, analytics, or other technologies in a way that applicable privacy law treats as a sale, sharing, targeted advertising, or similar regulated activity, we will provide any notice, consent mechanism, or opt-out right required by that law.

You may unsubscribe from promotional email or marketing messages using the instructions in the message or applicable account settings. Opting out of marketing does not stop essential security, account, legal, or transaction communications.

11. Security

We use administrative, technical, and organizational safeguards designed to protect personal information, including access controls, encryption in transit, monitoring, authentication controls, secure development practices, and supplier-risk measures appropriate to the service.

No system or method of transmission is completely secure. You are responsible for protecting your device, credentials, verification codes, and account access and should report suspected unauthorized activity promptly.

12. Children

SendNex transactional services are intended for adults aged 18 or over. We do not knowingly offer SendNex accounts to children. Contact us if you believe a child has provided personal information through a SendNex account or service without appropriate authorization.

13. Changes to this Privacy Policy

We may update this Privacy Policy when our services, partners, technology, or legal and regulatory obligations change. We will publish the revised effective date and provide additional or advance notice where required by applicable law or partner requirements.

If applicable law requires consent to a material change, we will request that consent before applying the change in the relevant circumstances.

14. Contact us

For privacy questions, requests, or concerns, email info@sendnex.app or call +1 (240) 422-4195. You may also write to SendNex Inc. at 30 N Gould St Ste R, Sheridan, Wyoming 82801, United States.