Privacy Policy and Additional Disclosures
1. Introduction
Talino Digital Solutions Inc., (“TDS”, “Company,” “we,” “our,” or “us”) is committed to protecting the privacy and security of personal information collected through our website and services.This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with:
Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)
U.S. federal privacy laws
Applicable state privacy laws including Florida.
By using our Services, you consent to the practices described in this Privacy Policy.
2. Information We Collect
Personal Information
We may collect:
Full name
Date of birth
Address
Phone number
Email address
Government-issued identification
Financial information
Payment details
Bank account information
Identity Verification Information
To comply with AML and KYC regulations, we may collect:
Passport or driver’s license
Social Security Number (U.S.)
Social Insurance Number (Canada) where legally required
Source of funds documentation
Technical Information
We may also collect:
IP address
Device information
Browser type
Login activity
Cookies and usage data.
3. Purpose of Collecting Information
We collect personal information to:
Verify identity (KYC)
Provide financial services
Process transactions
Prevent fraud and financial crime
Comply with AML regulations
Meet regulatory reporting obligations
Improve services and customer experience.
4. Disclosure of Information
We may disclose personal information to:
Regulatory authorities (FinCEN, FINTRAC, OFAC)
Financial institutions and payment processors
Fraud detection agencies
Law enforcement agencies where required by law
Third-party service providers supporting our operations.
We do not sell personal data to third parties.
5. Data Retention
Personal information is retained for the period required by law including:
United States AML recordkeeping: minimum 5 years
Canada FINTRAC requirements: minimum 5 years
After this period, information may be securely deleted or anonymized.
6. Data Security
We implement industry-standard safeguards including:
Encryption
Secure servers
Access control systems
Monitoring and fraud detection tools.
However, no system can guarantee absolute security.
7. Your Rights
Depending on jurisdiction, users may have rights to:
Access personal information
Correct inaccurate data
Withdraw consent (where applicable)
Request deletion where legally permissible.
Requests can be submitted to our Privacy Officer.
8. Cookies
Our website uses cookies to:
Improve functionality
Track website usage
Enhance user experience.
Users may disable cookies through browser settings.
9. Cross-Border Data Transfers
Your personal information may be stored or processed in jurisdictions outside your country including the United States or Canada.Such transfers are conducted in accordance with applicable data protection laws.
10. Contact
Privacy inquiries may be directed to:
Privacy Officer
Talino Digital Solutions Inc
Privacy@talinods.ca
Florida Money Transmission Disclosures
Florida Regulatory Disclosure
Talino Digital Solutions, Inc is licensed as a Money Transmitter by the Florida Office of Financial Regulation (OFR).
Florida Office of Financial Regulation
Division of Consumer Finance
200 East Gaines Street
Tallahassee, Florida 32399
Website:
https://flofr.gov
Consumer Complaint Notice
If you have a complaint regarding our money transmission services, you may contact:
Talino Digital Solutions Customer Support
Hello@talinods.ca
Refund Rights (Florida)
Customers may be entitled to a refund under certain circumstances if a money transmission transaction has not yet been completed.
Refund eligibility depends on the status of the transaction and applicable regulatory requirements.
Refund & Cancellation Policy
1. Transaction Cancellation
Users may request cancellation of a transaction if:
The funds have not yet been transferred to the recipient
The transaction has not been processed by the receiving financial institution.
Cancellation requests must be submitted immediately through customer support.
2. Refund Eligibility
Refunds may be granted if:
A transaction fails due to technical error
Duplicate payments occur
Regulatory or compliance restrictions prevent completion.
Refunds are not available if:
The recipient has already received the funds
Incorrect information was provided by the sender.
3. Processing Time
Refunds may take 5–10 business days depending on banking networks and payment processors.
4. Fees
Transaction fees may be non-refundable unless required by law.
Terms for Remittance Services
These terms apply to international remittance transactions.
Exchange Rates
Exchange rates may include a margin above the wholesale market rate.
Rates are confirmed at the time the transaction is authorized.
Delivery Time
Delivery times may vary depending on:
Destination country
Banking system
Regulatory checks
Local payment networks.
Transaction Limits
Remittance limits may apply based on:
Identity verification level
Regulatory thresholds
Risk monitoring procedures.
Sender Responsibilities
Senders must ensure:
Recipient information is accurate
Funds originate from lawful sources.
Incorrect information may result in delays or failed transactions.
Additional Terms for Crypto MSB Services
Digital Asset Risks
Cryptocurrency transactions involve risks including:
Market volatility
Irreversible transactions
Regulatory changes.
Users accept these risks when using crypto-related services.
Blockchain Transactions
Transactions recorded on blockchain networks are irreversible and cannot be modified once confirmed.
Wallet Security
Users are responsible for:
Securing wallet credentials
Protecting private keys
Maintaining device security.
The Company is not responsible for losses due to compromised user devices.
Regulatory Compliance
Crypto services are conducted in accordance with:
FinCEN guidance for virtual currency businesses
FINTRAC virtual currency MSB requirements
Applicable sanctions laws including OFAC regulations.
Transactions may be screened for sanctions compliance.
