Privacy Policy

Padiepay Global Payments Inc. ("Padiepay," "we," "us") respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information.

For the purposes of this Privacy Policy:

• "Personal Data" means any information that relates to an identified or identifiable individual, such as your name, email address, phone number, government-issued ID, online identifier, IP address, and transaction history.
• "Processing" means any operation or set of operations performed on Personal Data, whether or not by automated means, such as collection, recording, storage, use, disclosure, or erasure.
• "Data Controller" means the entity that determines the purposes and means of processing Personal Data.
• "Data Processor" means any third party that processes Personal Data on behalf of the Data Controller.

These definitions are consistent with those set forth in Section 1 of the Terms and Conditions.

• Account Information: Name, date of birth, email, phone, address
• Identity Documents: Government ID, passport, utility bills
• Financial Information: Bank details, payment card information
• Technical Data: IP address, device identifiers, browser type

• Service Delivery: Verify identity, process transactions
• Compliance: AML/KYC, regulatory reporting
• Communications: Service updates, marketing (with consent)
• Analytics & Improvement: Usage trends, product development

• Consent: When you have given clear consent
• Contract: Necessary to perform our agreement
• Legal Obligation: Compliance with FINTRAC, sanctions
• Legitimate Interests: Fraud prevention, security

• Service Providers: Payment processors, KYC vendors, cloud hosting
• Regulators: FINTRAC, Bank of Canada, FCA (partners)
• Legal Requirements: Court orders, law enforcement

Your data may be transferred to, and maintained on, servers located outside your jurisdiction, including Canada, the USA, and partners in the UK and EU. We ensure adequate safeguards (e.g., Standard Contractual Clauses).

We retain personal data only as long as necessary for the purposes outlined or as required by law. For most financial and transactional data, the typical retention period is 7 years to comply with legal and regulatory obligations.

However, some categories of data, such as marketing preferences or communications consents, may be retained for shorter durations in accordance with applicable privacy laws or until you withdraw your consent.

We implement administrative, technical, and physical safeguards to protect your data, including encryption in transit and at rest.

Depending on your jurisdiction, you may have the right to access, rectify, erase, restrict processing, object to processing, data portability, and withdraw consent.

We use cookies, web beacons, pixels, and similar tracking technologies ("Cookies") to provide, improve, and personalize our services. These technologies help us understand user behavior, track preferences, perform analytics, and deliver targeted advertising.

By using Padiepay, you consent to the use of Cookies in accordance with this Policy.

You can control or disable Cookies through your browser or device settings. However, disabling certain Cookies may impact the functionality of our services.

Types of Cookies we use:

• Essential Cookies: Required for core functionality such as security, authentication, and system integrity.
• Performance and Analytics Cookies: Help us understand how users interact with our platform.
• Functional Cookies: Remember user preferences and enhance the user experience.
• Advertising Cookies: Deliver relevant advertisements based on your browsing behavior (only with your consent, where required by law).

For more information on how to manage or opt-out of Cookies, please refer to your browser's help documentation or visit www.allaboutcookies.org.

Our platform may contain links to third-party websites and services. We are not responsible for their privacy practices.

Our services are not intended for individuals under 18. We do not knowingly collect data from minors.

We may update this Privacy Policy from time to time. Material changes will be communicated with at least 30 days' notice before they take effect, via email or in-app notification where feasible.

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at:

PadiePay Global Payments Inc.
Email: privacy@padiepay.com
Address: 100 King Street West, Suite 5700, Toronto, Ontario, M5X 1C7, Canada