This Privacy Policy applies to the processing of personal data by PaySprint (PS) by Express Ca Corp, located at WaterPark Place, 20 Bay Street, 11th Floor, Toronto, ON, M5J 2N8. The canonical version is maintained at paysprint.ca/privacy-policy.
Thank you for using the services of PaySprint (PS). We provide wallet payment (local and international), Pay Invoice and Wallet Services for individuals and merchants at affordable rates in order to meet your obligations.
This Privacy Policy applies to the processing of personal data by PaySprint (PS) by Express Ca Corp (as defined) located at WaterPark Place, 20 Bay Street, 11th Floor, Toronto, ON, M5J 2N8 ('PS', 'EXBC, 'Express Ca Corp', 'we', 'us', 'our').
We may change this Policy from time to time. If we do, we shall post a revision of this Privacy Policy at https://paysprint.ca/privacy-policy and your continued use of the Services provided through mobile app or website shall be subject to such revised terms.
Our Service include:
Sending and receiving money, Payment Processing and maintaining wallet platform which are carried out on the mobile and web platforms including Text to Transfer, Text to Pay and QR functionality.
We collect information from people who visit our website, make enquiries or otherwise contact us, trial our software, or set up and operate an account on behalf of a Merchant (including Merchant Administrators and Authorized Users). We call this 'Customer Information.'
The Customer Information we collect includes:
Personal information is also collected from individuals who use our Services to interact with, or send money, receive money, pay invoice or maintain a wallet with us. We call this information 'Individual Information.'
Information collected from individuals includes:
We collect and process Individual Information as a Data Controller (for GDPR purposes).
More detailed information about the data collected in relation to the use of any Sending Service is included in the PS Terms of Service.
You may use our Services by attending sending or receiving money or Pay for an invoice sent by merchant registered on our platform through your PS wallet or attached Credit card, Debit card or Bank accounts.
We call information collected for these services 'Customer Collected Information.'
Merchants who use our Pay Invoice System upload or support the uploading of information about their Customers, members and other individuals. In this case, the Merchant Administrator determines what personal information they will collect from you. That information is usually not disclosed to us nor do we have any right to use that information.
We process Customer Collected Information as a Data Processor (for GDPR purposes).
We assume that Merchants collect and process all Customer Collected Information lawfully, and in accordance with their obligations as Data Controllers pursuant to the GDPR and other applicable data protection laws.
The Customer Information, Individual Information and Customer Collected Information processed as part of our Services will include "special category data" for the purposes of the EU GDPR, or "sensitive data" under other privacy laws, as it includes information that relate to individual's merchant affiliation.
We need your consent to collect this type of data (where we are acting as Data Controller as outlined above). To support this requirement, we have included confirmation of your consent in our on-line forms and on our website. If you do not provide this information, we may not be able to provide our Services.
Customer Collected Information is also special category or sensitive information, but this information has been collected and is processed by the Merchant as Data Controller.
If you are concerned about the Customer Collected Information that has been included in any of our Services, we recommend you contact the Merchant you are affiliated with.
PS may collect information through the use of common information-gathering tools such as web beacons or cookies.
A cookie is a small string of text that a website can send to your browser which helps the Site remember and customize your visit. You have the option to delete or decline cookies by changing your browser's settings.
Web beacons help sites to understand the browsing, viewing, and click activity of visitors to our site.
For more information about our collection and use of this type of data, please refer to our Cookie Policy.
PS may also collect information from your interaction with the Site, such as statistics in connection with pageviews, IP address, and standard web log information.
Other information that may be collected includes the average sent or received amount, the geographic breakdown of transactions by area, what times of the day have the heaviest traffic, and for what purpose money was sent or the type of service an invoice is paid. This information, collected in the aggregate, allows PS to better serve all users and in the development of new products and services. None of this information is used to identify individuals.
When browsing the Site through a mobile phone or mobile application, we will attempt to collect your location through GPS in order to understand transactions behaviours purposes. You may remove this location sharing authorization.
PS does not knowingly collect any Personal Information from or about a child (which we generally regard as anyone under the age of 16 years, subject to local law requirements) without the consent of the child's parent or legal guardian. We may ask for evidence of a user's date of birth to help us verify this.
If we discover that we have inadvertently collected information from a child without the appropriate consent, we will promptly take all reasonable measures to delete that data from our systems.
We collect Customer Information and Individual Information directly through forms on the Website, Mobile App or when a Merchant Administrator or other individual signs up for a Service or establishes an Account directly with us.
We may also collect information:
Customer Collected Information is collected by the Merchant you are connected to, including when you interact with one of the PS Services. In most cases, PS does not directly collect or control any Customer Collected Information.
If you are concerned about the Customer Collected Information that has been included in any of PS's Services, we recommend you contact the Merchant you are affiliated with.
We will only use Personal Information for purposes related to building and providing you with great products and services and Sending you a great experience. These purposes include:
We reserve the right to use all data collected, processed or derived by us in relation to the Services, for the purpose of industry trend and best practices reporting, statistical analysis and research relating to the development or improvement of any of our services or products. We will not publish or disclose statistical findings of individual Customer or Merchant activity.
We will not use your information for purposes other than described in this Policy unless we have your consent or there are specified law enforcement or public health and safety reasons or other uses required by law.
We may communicate directly with you by sending newsletters, promotions and other updates about our products and services.
If you do not wish to receive marketing communications from PS, you may unsubscribe by:
PS does not participate in bulk email solicitations (i.e., "spam") without your consent.
Your Personal Information will not be disclosed to third party marketers. We never sell, share, or otherwise use personal information for any commercial purposes outside of PS. However, we may share aggregated anonymous information with third party advertisers, but this aggregated anonymous information cannot be matched with you personally unless you voluntarily share your Personal Information with the third-party advertisers.
Personal data may be shared among the different members of the Express Ca Corp group (subject to compliance with any legal restrictions on cross-border transfers).
PS may disclose or transfer personal information to a third party in the event of a proposed or actual purchase, sale, lease, merger, amalgamation or any other type of acquisition, disposal, transfer, conveyance or financing of all or any portion of Express Ca Corp in order for you to continue to receive the same services from the third party.
Unless you consent, we will not disclose any Customer Information or Individual or merchant Information to third parties, other than data processors or sub-processors we use as part of delivering our services.
A list of the data processors used by us could be obtaining by emailing us at: privacy@paysprint.ca
For all our processors and sub-processors:
We give our Customers the option to use services that may involve third parties. This may be done via a link to another service or website and may include, as an example, links to PayPal or Stripe for online payment as part of our service.
The decision to use these services is at the discretion of each Customer.
Although we try to only partner with reputable and trustworthy suppliers, we cannot control or be responsible for the policies of other sites we may link to, or the use of any personal information you may share with them. Please note that this Policy does not cover these other websites, and we recommend that you review the privacy policies attached to the use of those services and websites before deciding whether to proceed.
If you opt to use an optional third-party processor, you give that processor the right, power, and authority to act on your behalf to access and transmit your personal and other information (including Financial Information) according to terms of that third-party provider's privacy policy.
If you do not want your Individual Information to be shared with third parties for example for the purposes of emailing or texting you or supporting any activity, please let the Merchant you are affiliated with know and they can disable these services for you.
When undertaking a financial transaction via our Services, for example, when sending money, adding money to your wallet or withdrawing money from your wallet, you may provide information including credit, debit or bank account details, and your name and address ("Financial Information"). PS does not disclose Financial Information except to the appropriate banking institutions or payment processing provider in order to process a credit or debit authorization for payment, or to resolve a dispute or for other related purposes.
PS does not have any access to your Financial Information inputted via third party payment processors.
We use social networking services such as Twitter, Facebook, Instagram and YouTube to communicate with Customers, Merchant Administrators, Authorized Users, Merchants and the public about our Services. When you communicate with us using these services, we may collect your personal information. The social networking service will also handle your personal information for its own purposes.
Our Site may also contain links to websites not affiliated with the PS.
These social networking and non-affiliated sites have their own privacy policies, and we recommend that you review them. We cannot control or be responsible for the policies of other sites we may link to, or the use of any personal information you may share with them.
By integrating your YouTube channel or Playlist with any PS Services you are also bound by Google Privacy Policy at http://www.google.com/policies/privacy.
Some of the processors and sub-processors we use are located in jurisdictions including Australia, the US, the United Kingdom and the EU. Use of their services may involve the cross-border transfer of personal information. PS also has offices and employees located globally, for example, in the USA and the United Kingdom. This means that the PS may process personal information in another country from time to time.
In all cases, appropriate safeguards for the purposes of the GDPR and other laws which restrict the cross-border flow of personal information, have been established and are maintained, whether in the form of standard contractual clauses, appropriate inter-company agreements, adequacy measures or through ensuring certification with the US-EU Privacy Shield. For more information, please refer to our Terms of Service (and the PS Data Processing Addendum).
Access to your account is secured via unique user passwords. You can help to keep your personal information secure by ensuring that any password you use is kept strictly confidential and by logging off when you have finished using a shared computer.
More information about your security responsibilities is included in the Terms of Service.
We take steps to protect the security of the personal information we hold from both internal and external threats by:
Unfortunately, no data transmitted over or accessible through the Internet can be guaranteed to be 100% secure. As a result, while PS attempts to protect all Personal Information, PS cannot ensure or warrant that Personal Information will be completely secure from misappropriation by hackers or from other nefarious or criminal activities, or in the event of a failure of computer hardware, software, or a telecommunications network.
If a data breach (as defined by applicable laws) involving Personal Information occurs, PS will:
Please note, our obligations in regard to notification of data breaches may vary depending on whether we are acting as Data Controller or Data Processor in regard to the Personal Information affected by the data breach.
Generally, we will keep Personal Information for as long as a Customer is actively using PS's Services or the period during which any legal claim may be made in regard to the provision of Services in accordance with legal requirements or to meet our legal obligations. For example, we hold billing records, and any information associated with those records for 7 years.
If we hold personal information about you, and we do not need that information for any purpose, we will take reasonable steps to securely destroy or de-identify that information unless we are prevented from doing so by law.
We apply the following rules to the permanent deletion of information:
If you would like to request details about Customer Information or Individual Information that we hold about you and how we process it, contact us via the contact details below and we'll be more than happy to help.
privacy@paysprint.ca
If you ever wish to amend personal information held by us, you may do so by:
Persons who wish to delete any personal information held by PS can contact us via the contact details below and we'll be more than happy to help.
Customer Information: In relation to Customer Information, a Merchant Administrator can ask us to delete Customer Information at any time, and we will delete it from all live systems and make sure we do not process it further in any way (other than as we may need to support your account or for other reasonable administrative or legal purposes, such as billing).
Customer Collected Information: Merchants also can delete or disable Customer Collected Information at any time.
Individuals who wish to delete or stop the use of their Customer Collected Information for the purposes of any of the Services should contact the Merchant they are affiliated with directly. If an individual feels their Merchant has not dealt with their request promptly or effectively, we will work with the relevant data controller to attempt to resolve their request.
Under the GDPR, persons residing in the European Economic Area ('EEA) may also be entitled to, at any time:
You may also wish to make a complaint about the way we have handled your personal information or other interference with your privacy rights.
You can exercise any of these rights at any time by contacting us (see 'Contact Details', below) or your relevant privacy or data protection authority.
This information is relevant for Merchants and individuals who use our Services and are currently residing in the European Economic Area.
At least one of the lawful bases set out in Article 6 of the GDPR must apply in relation to a given processing activity. The lawful bases for PS's processing activities are as follows:
PS has appointed an external Data Protection Officer (DPO) and EU Representative to help ensure that we meet our obligations under the GDPR.
If you have any queries, questions, concerns or wish to make a complaint regarding how we deal with your personal information please contact us (see 'Contact Us', below)
If you have any queries, questions, concerns or wish to make a complaint regarding how we deal with your personal information please contact us:
We will endeavour to respond to your request as soon as reasonably possible.
For Australian visitors, the Office of the Information Commissioner is a great resource.
In this Policy, these terms have the following meanings given:
Questions about this Policy can be directed to privacy@paysprint.ca.