LBC is committed to protecting the privacy of its customers. We will not sell or share non-public personal information to non-affiliates or third parties who may want to offer their own products or services.
We collect and use customer information to verify identification as required by law, process transactions, and provide better services. Keeping our customer information secure is one of our most important responsibilities. We maintain physical, electronic, and procedural safeguards to ensure that private information is always protected.
Our employees and agents are authorized to access customer information only when they need it to provide our customers with products and services. Employee and Agents are bound by a code of ethics that require confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.
We share information about our customers to complete their transactions and provide them with personalized products and services with carefully selected companies that perform services on our behalf. We work with these companies for specific business purposes and maintain strict confidentiality agreements.
We also share information if required or permitted by applicable law or regulation, including laws and regulations of the United States and other countries, or in the good faith belief that such action is necessary to: (a) comply with a legal obligation or in response to a request from law enforcement or other public authorities wherever the LBC may do business; (b) protect and defend the rights or property of any LBC entity; (c) act in urgent circumstances to protect the personal safety of Individuals, Customers, and contractors/employees of any LBC entity or others; or (d) protect against any legal liability. In addition, the LBC may share your Personal Data with U.S. regulators and with other self-regulatory bodies to which we are subject, wherever the LBC Group may do business.
What the Law Requires
We are required by law to have in place policies regarding the collection and disclosure of information considered to be “nonpublic personal information.”
To comply, LBC must:
A.Designate a Privacy Officer to oversee its Privacy Program
B.Implement policies and procedures to protect customer personal information.
C.Update policies and procedures as deemed necessary.
D.Respond to customer inquiries and requests for information.
E.Analyze all personal information handling practices, including ongoing activities and new initiatives.
To underscore LBC’s commitment to the goals and objectives outlined herein, the Board of Directors on behalf of the Company will reaffirm its commitment to the principles embodied on this document by voting to adopt this and /or any other written manifestation of LBC’s Privacy Program.
Types of Personal Information That We Collect
Information shall be collected by fair and lawful means. We may collect the following information, which may include non-public personal information such as but not limited to:
A.Customer/Sender Information – Customer name, physical address, date of birth, e-mail address, telephone number, as well as sensitive information such ID, SSN information, credit card and/or bank account number, source of funds, purpose of transactions, and relationship to recipients
B.To communicate with you about your employment application;
C.Receiver/Consignee Information – Receiver name, physical address, email address, and phone number, bank account information and Send N Swipe account information
D.Transaction Information – Type of Service/Product, Mode of Delivery, Payment mode – cash, check (Bank Information), debit and/or credit card (Debit Card or Credit Card Number), Remittance Amount in Dollars and Pesos and Exchange rate, Packing List information for Cargo products, transaction history and usage
E.Customer Service Information includes customer/shipper or receiver/consignee requests to facilitate claims, refunds, and other customer service requests
F.Information that sender provides when registering for promotional programs
G.Information about sender’s transaction history and patterns, including your transmittal frequency, services used and their recipients
H.Information that we obtain to verify sender’s identity from third party identity verification services, electronic database services, and credit reporting agencies
I.Professional or employment-related information in the form of business contact information such as name, company name, physical address and email address and telephone or fax number
J.Agent information such as name, company name, physical address and email address and telephone or fax number, SSN and ID numbers, Date of Birth, etc.
K.Identifiers such as name, physical address, email address, username, password and other credentials used to access LBC products and services, social media handles, and, when they visit our websites, use our apps or interact with LBC-related tools, widgets or plug-ins, Internet Protocol address unique device identifier
L.Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with LBC websites and mobile apps, and LBC advertisements that we display on LBC websites or mobile apps or on third party sites and apps
M.Geolocation data
N.Audio information from calls placed with customer service and accounting centers which may be recorded, and electronic information in the form of Internet or other electronic network activity information as described above
Access of Non-Public Personal Information
We do not sell or rent the information we collect to third parties for their promotional purposes. Customer information is restricted to employees, independent contractors, or service providers.
We share information about our customers:
A.To third party service providers in order to verify our customer’s identity, detect and prevent fraud, comply with existing laws and regulations and to process and facilitate customer transactions.
B.To law enforcement, government officials or other third parties to respond to a formal request, subpoena, court order, or similar legal procedure, or in circumstances when we believe that disclosure is necessary to comply with the law and audit requirements, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement.
C.If personal information might be a part of the transferred assets in the event of the sale, acquisition or merger of some or all our assets.
Our agreements with service providers contain confidentiality provisions and restrictions on how information can be used.
We reserve the right to retain the information we collect for as long as necessary to comply with the law.
Accuracy of Information Collected
Keeping our customer or sender’s information secure is one of our most important responsibilities. It is LBC’s policy to adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of their personal information, username, password, transaction information and data stored on our Site.
For senders that access our web site, sensitive and private data exchange between LBC Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures. Our Site is also in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.
No method of transmission over the Internet, or method of electronic storage, is 100% secure. Thus, LBC cannot guarantee its absolute security. However, we strive to protect our customer information by employing the following methods of protection:
A.Physical measures include video surveillance cameras, alarm systems, secure locked filing cabinets and a shredder to dispose confidential information.
B.Technological measures include point of sales systems run on a VPN with a minimum of 128-encryption and a firewall. Branch associates or agents can only access customer file(s) through the LBC System.
C.Organizational security measures include security clearances, limiting access to a ‘need’ to know’ basis, staff training, and a signed confidentiality agreement.
D.Investigative measures are in place should LBC have reasonable grounds to believe that personal information is being inappropriately collected, used or disclosed.
E.Employees, agents, independent contractors, and service providers are required to keep personal information in strict confidence and in a manner consistent with the policies of the company. Failure to comply will be considered a breach of employment or contract and upon review could result in employment or contract termination.
Data Retention
We keep information for the purpose it was collected or for longer retention period as required or permitted by law. Once information is no longer needed for its initial purpose, it is deleted or disposed in accordance with our policies and procedures.
Disposal and Destruction of Information
It is LBC’s policy to prevent unauthorized parties from gaining access to the information when disposing or destroying personal information. We use shredders and/or third-party shredding companies. Third party shredder companies must shred documents on site.
Third Party Sites
LBC Web Site may contain links to other web sites. LBC is not responsible for the privacy practices or the content of third-party web sites. It is always important to review the privacy practices of these third-party web sites prior to submitting your personal information to them.
Customer Requests
A customer may request to review, correct or update personal information. All requests must be in writing, identity must be verified using a government issued ID and approved by LBC Compliance.
Only LBC Compliance can release the customer’s personal information.
There are no charges associated with providing the customer a copy of their personal information held by the company.
Information requested shall be provided within 45 days after receipt of a verifiable request, unless we notify you that we require additional time to respond, in which case we will respond within such additional period of time required by law.
However, LBC may not be able to provide access to certain records requested if it’s forbidden by law.
Request for Deletion
Customers have the right to request to delete their personal information. All requests must be in writing, identity must be verified using a government issued ID and approved by LBC Compliance.
However, the following exceptions apply:
A.Comply with legal obligations. If personal information collected from a consumer is needed to comply with a legal obligation (e.g., a statute that requires that the business maintain documentation relating to the consumer), the business is not required to delete the information.
B.Complete a transaction. If personal information is collected because it is necessary for a business to complete a transaction with the consumer, or provide a product or services to the consumer, or is part of the business’s ongoing relationship with the consumer
C.Detect wrongdoing. If personal information is collected from a consumer because it is needed to detect security incidents, or protect the business against illegal actions (e.g., fraud, deception, etc.).
D.Repair errors – if personal information is necessary to “debug to identify and repair errors that impair existing intended functionality”.
E.Free speech. If personal information collected from a consumer relates to the free speech of the business, or the free speech of another Californian.
F.Exercise legal right. If personal information collected from a consumer is needed for the business to “exercise another right provided for by law”.
G.CalECPA Compliance. If personal information collected from a consumer is needed for the business to comply with the California Electronic Communications Privacy Act.
H.If personal information collected from a consumer is needed to engage in research – whether that research is public, peer-reviewed scientific, historical, or statistical. However, that in order to qualify for this exception the deletion of the information may need to impair the integrity of the research.
I.Internal uses aligned with consumer expectations. If personal information collected from a consumer will have “solely internal uses” for the business, and if those uses are “reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business.
J.Internal uses aligned with the context of collection. If personal information collected from a consumer will be used “internally” and in a manner that is “compatible” with the “context in which the consumer provided the information,”.
Correcting Personal Information on File
LBC must amend the information on file if a customer can successfully demonstrate the inaccuracy or incompleteness of his/her information.
Marketing and Promotions
LBC from time to time will send you information on its new products and services that may interest you. If you no longer wish to receive these marketing updates, please notify us by unsubscribing at www.lbcexpress.com.
Customers can also send an OPT OUT request in writing to: LBC Compliance Department, 3563 Investment Blvd Suite 3, Hayward, CA 94545.
LBC will process OPT Out request within 10 business days requests are received.
LBC is committed to protecting the privacy of its customers. We will not sell or share non-public personal information to non-affiliates or third parties who may want to offer their own products or services.
We collect and use customer information to verify identification as required by law, process transactions, and provide better services. Keeping our customer information secure is one of our most important responsibilities. We maintain physical, electronic, and procedural safeguards to ensure that private information is always protected.
Our employees and agents are authorized to access customer information only when they need it to provide our customers with products and services. Employee and Agents are bound by a code of ethics that require confidential treatment of customer information and are subject to disciplinary action if they fail to follow this code.
We share information about our customers to complete their transactions and provide them with personalized products and services with carefully selected companies that perform services on our behalf. We work with these companies for specific business purposes and maintain strict confidentiality agreements.
We also share information if required or permitted by applicable law or regulation, including laws and regulations of the United States and other countries, or in the good faith belief that such action is necessary to: (a) comply with a legal obligation or in response to a request from law enforcement or other public authorities wherever the LBC may do business; (b) protect and defend the rights or property of any LBC entity; (c) act in urgent circumstances to protect the personal safety of Individuals, Customers, and contractors/employees of any LBC entity or others; or (d) protect against any legal liability. In addition, the LBC may share your Personal Data with U.S. regulators and with other self-regulatory bodies to which we are subject, wherever the LBC Group may do business.
What the Law Requires
We are required by law to have in place policies regarding the collection and disclosure of information considered to be “nonpublic personal information.”
To comply, LBC must:
A.Designate a Privacy Officer to oversee its Privacy Program
B.Implement policies and procedures to protect customer personal information.
C.Update policies and procedures as deemed necessary.
D.Respond to customer inquiries and requests for information.
E.Analyze all personal information handling practices, including ongoing activities and new initiatives.
To underscore LBC’s commitment to the goals and objectives outlined herein, the Board of Directors on behalf of the Company will reaffirm its commitment to the principles embodied on this document by voting to adopt this and /or any other written manifestation of LBC’s Privacy Program.
Types of Personal Information That We Collect
Information shall be collected by fair and lawful means. We may collect the following information, which may include non-public personal information such as but not limited to:
A.Customer/Sender Information – Customer name, physical address, date of birth, e-mail address, telephone number, as well as sensitive information such ID, SSN information, credit card and/or bank account number, source of funds, purpose of transactions, and relationship to recipients
B.To communicate with you about your employment application;
C.Receiver/Consignee Information – Receiver name, physical address, email address, and phone number, bank account information and Send N Swipe account information
D.Transaction Information – Type of Service/Product, Mode of Delivery, Payment mode – cash, check (Bank Information), debit and/or credit card (Debit Card or Credit Card Number), Remittance Amount in Dollars and Pesos and Exchange rate, Packing List information for Cargo products, transaction history and usage
E.Customer Service Information includes customer/shipper or receiver/consignee requests to facilitate claims, refunds, and other customer service requests
F.Information that sender provides when registering for promotional programs
G.Information about sender’s transaction history and patterns, including your transmittal frequency, services used and their recipients
H.Information that we obtain to verify sender’s identity from third party identity verification services, electronic database services, and credit reporting agencies
I.Professional or employment-related information in the form of business contact information such as name, company name, physical address and email address and telephone or fax number
J.Agent information such as name, company name, physical address and email address and telephone or fax number, SSN and ID numbers, Date of Birth, etc.
K.Identifiers such as name, physical address, email address, username, password and other credentials used to access LBC products and services, social media handles, and, when they visit our websites, use our apps or interact with LBC-related tools, widgets or plug-ins, Internet Protocol address unique device identifier
L.Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with LBC websites and mobile apps, and LBC advertisements that we display on LBC websites or mobile apps or on third party sites and apps
M.Geolocation data
N.Audio information from calls placed with customer service and accounting centers which may be recorded, and electronic information in the form of Internet or other electronic network activity information as described above
Access of Non-Public Personal Information
We do not sell or rent the information we collect to third parties for their promotional purposes. Customer information is restricted to employees, independent contractors, or service providers.
We share information about our customers:
A.To third party service providers in order to verify our customer’s identity, detect and prevent fraud, comply with existing laws and regulations and to process and facilitate customer transactions.
B.To law enforcement, government officials or other third parties to respond to a formal request, subpoena, court order, or similar legal procedure, or in circumstances when we believe that disclosure is necessary to comply with the law and audit requirements, prevent physical harm or financial loss, report suspected illegal activity, or to investigate violations of our User Agreement.
C.If personal information might be a part of the transferred assets in the event of the sale, acquisition or merger of some or all our assets.
Our agreements with service providers contain confidentiality provisions and restrictions on how information can be used.
We reserve the right to retain the information we collect for as long as necessary to comply with the law.
Accuracy of Information Collected
Keeping our customer or sender’s information secure is one of our most important responsibilities. It is LBC’s policy to adopt appropriate data collection, storage and processing practices and security measures to protect against unauthorized access, alteration, disclosure or destruction of their personal information, username, password, transaction information and data stored on our Site.
For senders that access our web site, sensitive and private data exchange between LBC Site and its Users happens over a SSL secured communication channel and is encrypted and protected with digital signatures. Our Site is also in compliance with PCI vulnerability standards in order to create as secure of an environment as possible for Users.
No method of transmission over the Internet, or method of electronic storage, is 100% secure. Thus, LBC cannot guarantee its absolute security. However, we strive to protect our customer information by employing the following methods of protection:
A.Physical measures include video surveillance cameras, alarm systems, secure locked filing cabinets and a shredder to dispose confidential information.
B.Technological measures include point of sales systems run on a VPN with a minimum of 128-encryption and a firewall. Branch associates or agents can only access customer file(s) through the LBC System.
C.Organizational security measures include security clearances, limiting access to a ‘need’ to know’ basis, staff training, and a signed confidentiality agreement.
D.Investigative measures are in place should LBC have reasonable grounds to believe that personal information is being inappropriately collected, used or disclosed.
E.Employees, agents, independent contractors, and service providers are required to keep personal information in strict confidence and in a manner consistent with the policies of the company. Failure to comply will be considered a breach of employment or contract and upon review could result in employment or contract termination.
Data Retention
We keep information for the purpose it was collected or for longer retention period as required or permitted by law. Once information is no longer needed for its initial purpose, it is deleted or disposed in accordance with our policies and procedures.
Disposal and Destruction of Information
It is LBC’s policy to prevent unauthorized parties from gaining access to the information when disposing or destroying personal information. We use shredders and/or third-party shredding companies. Third party shredder companies must shred documents on site.
Third Party Sites
LBC Web Site may contain links to other web sites. LBC is not responsible for the privacy practices or the content of third-party web sites. It is always important to review the privacy practices of these third-party web sites prior to submitting your personal information to them.
Customer Requests
A customer may request to review, correct or update personal information. All requests must be in writing, identity must be verified using a government issued ID and approved by LBC Compliance.
Only LBC Compliance can release the customer’s personal information.
There are no charges associated with providing the customer a copy of their personal information held by the company.
Information requested shall be provided within 45 days after receipt of a verifiable request, unless we notify you that we require additional time to respond, in which case we will respond within such additional period of time required by law.
However, LBC may not be able to provide access to certain records requested if it’s forbidden by law.
Request for Deletion
Customers have the right to request to delete their personal information. All requests must be in writing, identity must be verified using a government issued ID and approved by LBC Compliance.
However, the following exceptions apply:
A.Comply with legal obligations. If personal information collected from a consumer is needed to comply with a legal obligation (e.g., a statute that requires that the business maintain documentation relating to the consumer), the business is not required to delete the information.
B.Complete a transaction. If personal information is collected because it is necessary for a business to complete a transaction with the consumer, or provide a product or services to the consumer, or is part of the business’s ongoing relationship with the consumer
C.Detect wrongdoing. If personal information is collected from a consumer because it is needed to detect security incidents, or protect the business against illegal actions (e.g., fraud, deception, etc.).
D.Repair errors – if personal information is necessary to “debug to identify and repair errors that impair existing intended functionality”.
E.Free speech. If personal information collected from a consumer relates to the free speech of the business, or the free speech of another Californian.
F.Exercise legal right. If personal information collected from a consumer is needed for the business to “exercise another right provided for by law”.
G.CalECPA Compliance. If personal information collected from a consumer is needed for the business to comply with the California Electronic Communications Privacy Act.
H.If personal information collected from a consumer is needed to engage in research – whether that research is public, peer-reviewed scientific, historical, or statistical. However, that in order to qualify for this exception the deletion of the information may need to impair the integrity of the research.
I.Internal uses aligned with consumer expectations. If personal information collected from a consumer will have “solely internal uses” for the business, and if those uses are “reasonably aligned with the expectations of the consumer based on the consumer’s relationship with the business.
J.Internal uses aligned with the context of collection. If personal information collected from a consumer will be used “internally” and in a manner that is “compatible” with the “context in which the consumer provided the information,”.
Correcting Personal Information on File
LBC must amend the information on file if a customer can successfully demonstrate the inaccuracy or incompleteness of his/her information.
Marketing and Promotions
LBC from time to time will send you information on its new products and services that may interest you. If you no longer wish to receive these marketing updates, please notify us by unsubscribing at www.lbcexpress.com.
Customers can also send an OPT OUT request in writing to: LBC Compliance Department, 3563 Investment Blvd Suite 3, Hayward, CA 94545.
LBC will process OPT Out request within 10 business days requests are received.
