User Eligibility and Compliance Requirements

Our services are available only to users who meet the age requirements under Canadian law. As a licensed Money Services Business (MSB) registered in Canada and regulated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC), we are required to comply with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and related regulations. Accordingly, we must verify customer identities and may require you to provide valid identification, proof of address, and other compliance documents.

Information We Collect

We may collect your personal information in the following circumstances:

• When you use our services

• When you visit our website

• When you communicate with our representatives

• When you complete forms, register an account, or participate in surveys or promotional activities

Types of information collected include but are not limited to:

• Name, date of birth, address, email, and phone number

• Government-issued identification, proof of address, employment information

• Transaction details, financial information, payment history

• Device information, IP address, browser type, access dates and times, referring pages, pages visited, and clickstream data

• User preferences and usage patterns collected through cookies, pixel tags, or similar technologies

Use of Cookies and Similar Technologies

Our website may use cookies, pixel tags, scripts, and other similar technologies to:

• Remember your preferences and settings

• Deliver personalized content and advertising

• Analyze website traffic and user behavior

• Improve our website and services

You can manage or decline cookies through your browser settings. Please note that disabling cookies may affect certain website features.

How We Use Personal Information

We use your personal information for purposes including:

• Processing transactions and providing requested services

• Verifying identity to meet legal compliance requirements, including anti-money laundering and anti-terrorist financing regulations

• Recording and monitoring transactions to fulfill regulatory reporting obligations

• Improving website experience and service quality

• Responding to your inquiries and support requests

• Conducting market research and analysis

• Sending product updates, promotions, or notifications with your consent

Disclosure of Personal Information

We are committed to not selling or trading your personal information without your consent.
We may share or disclose your information in the following circumstances:

• With partners, payment processors, customer service providers, and IT service providers who support our operations and are required to maintain strict privacy protections

• As required or permitted by law, with government agencies, law enforcement authorities, regulatory bodies (such as FINTRAC), banks, and other financial institutions to fulfill legal obligations or compliance review requirements

• To protect the rights, safety, or property of ourselves, our customers, or the public

Data Security

We implement industry-standard physical, electronic, and administrative safeguards to prevent unauthorized access, disclosure, loss, misuse, or alteration of your personal information. However, please understand that no method of internet transmission or electronic storage is 100% secure.

Retention and Deletion of Information

We retain customer personal information and transaction records in accordance with applicable laws and regulatory requirements, including PCMLTFA. Typically, these records must be retained for legally mandated periods and cannot be deleted early. When information is no longer required, we securely delete or anonymize it.

Your Rights

You have the right to:

• Access the personal information we hold about you

• Correct any inaccurate or outdated information

• Request deletion or restriction of your personal information where permitted by law

To exercise these rights, please contact us.

Consent and Withdrawal

By providing us with your personal information, you consent to our collection, use, and disclosure of that information as described in this privacy policy. If you wish to withdraw your consent, please contact us. Please note that, due to legal or compliance reasons, withdrawing consent may affect our ability to continue providing services to you.

Children's Privacy

Our services are not directed to individuals under 18 years of age, and we do not knowingly collect personal information from minors. If you are under 18, please do not attempt to register or provide us with any personal information.

International Data Transfers

To provide our services, your personal information may be transferred outside your country or region. We will comply with applicable laws and take reasonable steps to ensure the security of information during cross-border transfers.

Updates to This Privacy Policy

We may update this privacy policy from time to time to reflect legal, business, or technological changes. For material changes, we will post a notice on our website. We encourage you to review the policy periodically to stay informed of any updates. Your continued use of our services constitutes acceptance of the updated policy.

Contact Us

If you have any questions about this privacy policy, or wish to access, correct, or delete your personal information, please contact us at: [email protected].