Website Privacy Policy

Last Updated: November, 2023

VOPAY INTERNATIONAL INC. (“VI”) and VOPAY FINANCIAL CANADA INC. (“VFC”, and together with “VI”, “VoPay”or “we” or “us”) are committed to protecting your privacy and safeguarding your personal information. The purpose of this Privacy Policy is to inform you about our privacy practices, including how we collect, use and disclose your personal information.

This Privacy Policy applies to the personal information processed by us on our website located at https://vopay.com/en-ca (“Site”).

Please review this Privacy Policy carefully. By submitting your personal information to us via our Site, or by voluntarily interacting with us via our Site, you consent to our collecting, using and disclosing your personal information as set out in this Privacy Policy, as revised from time to time.

Your continued use of our Site following the posting of any amendment to this Privacy Policy and, if required by applicable law, following the dissemination of notice to inform you of those changes, shall constitute your acceptance of such amendment.

What’s In This Privacy Policy?

Your Consent to Collection, Use and Disclosure
Personal Information We Collect
Aggregated and Anonymized Information We Collect
How We Use Your Personal Information
How We Share Your Personal Information
Retention of Personal Information
Third Party Websites and Services
International Transfer and Storage of Information
Supervisory Authority
Accessing and Updating Your Personal Information
Opting Out of Communications
California Shine the Light
Supplemental Notice for Nevada Residents
Children’s Information
Newsletters
Privacy Policy Updates
Contact Us

Meaning Of Personal Information

“Personal information” means information about an identifiable individual. This information may include but is not limited to, your name, mailing address, e-mail address and telephone number.

Personal information does not include any business contact information that is used solely to communicate with you in relation to your employment, business or profession, such as your name, position name or title, work address, work telephone number, work fax number or work electronic address.

Personal information also does not include information that has been anonymized or aggregated in such a way that there is no serious possibility it can be used to identify an individual, whether on its own or in combination with other information.

Your Consent To Collection, Use And Disclosure

Methods

Where appropriate, we collect, use and disclose your personal information with your consent, or as permitted or required by law.
How we obtain your consent (i.e., the form we use) will depend on the circumstances, as well as the sensitivity of the information collected.
Subject to applicable laws, your consent may be expressed or implied, depending on the circumstances and the sensitivity of the personal information in question.

If you choose to provide us with your personal information after reviewing this Privacy Policy, we will assume that you consent to the collection, use and disclosure of your personal information. However, we will require your consent when necessary as required by applicable privacy laws.

Purposes

Typically, we will seek your consent at the time your personal information is collected.

Where we want to use your personal information for a purpose not previously identified to you at the time of collection, we will seek your consent prior to our use of such information.

Consent and Other Individuals

If you provide personal information about another individual to us, it is your responsibility to obtain the consent of that individual to enable us to collect from you, use and disclose their information as described in this Privacy Policy. By providing personal information about another individual to us, you represent and warrant that you have obtained their prior consent to our collection of his/her personal information from a third party and made them aware of this Privacy Policy.

Personal Information We Collect

What Information We Collect

The information we may collect about you varies depending on how you interact with us, our Site, and the requirements of applicable law.., The personal information we collect falls into the following categories (not all of which may apply to you).

A. Information You Provide Us

In conjunction with providing this Site, we may collect the following information.

Communications with Us. VoPay may collect personal information, such as your first and last name, business email, phone number, and information about how to contact you, when you request information or to contact our sales team, register for our newsletter, request customer or technical support, apply for a job, or otherwise communicate with us.
Surveys. We may contact you to participate in surveys. If you decide to participate, you may be asked to provide certain information, which may include personal information.
Job Applications. We may post job openings and opportunities on our Site. If you reply to one of these postings by submitting your application, CV and/or cover letter to us, we will collect and use this information to assess your qualifications.
Log and Usage Data: To the extent permitted under applicable law, we may collect certain information automatically when you visit our Site, such as your Internet protocol (IP) address, user settings, log and usage data relating to a user’s use of the Site such as a user’s device or browser information, MAC address, cookie identifiers, mobile carrier, mobile advertising and other unique identifiers, location information (including approximate location derived from IP address), and Internet service provider. We may also automatically collect information about a user’s activities using the Site, such as pages that you visit before, during and after using our Site, information about the links you click, the types of content you interact with, the frequency and duration of your activities, and other information about how you use our Site.

B. Cookie Policy (and Other Technologies). We, as well as third parties that provide content, advertising, or other functionality on our Site, may use cookies, pixel tags, and other technologies (“Technologies”) to automatically collect information through your use of our Site. For more information about our use of Technologies on the Site, please refer to our Cookies Policy.

C. Other Interactions

For individuals who otherwise interact with us, on our Site, messaging and chat features, forums, blogs or otherwise, including individuals who request information about our Site, or who enter a contest or respond to surveys and questionnaires, we may collect information they provide to us during these interactions. This information may include name, e-mail address and other contact information. Any information you provide using the public sharing features of the Site will be considered “public,” unless otherwise required by applicable law, and is not subject to the privacy protections referenced herein.

Social Media Platforms. Our Site may contain social media buttons, such as Twitter, Instagram, and LinkedIn, which might include widgets such as the “share this” button or other interactive mini-programs). These features may collect personal information such as your IP address and which page you are visiting on our Site and may set a cookie to enable the feature to function properly. Your interactions with these platforms are governed by the privacy policy of the company providing it.

Aggregated And Anonymized Information We Collect

General, aggregated, de-identified demographic, and non-personal information may be collected by us through our Site, but any such information will not be linked to any of your personal information. This type of anonymous, aggregated profiling and session data may include information that you have provided to us through surveys, polls, etc., and may also include aggregated information about our Site’s usage.

We will take reasonable measures to ensure the aggregated/anonymized information cannot be associated with an individual, we will maintain and use such information only in an aggregated/anonymized form, and we will not attempt to reidentify such information except to comply with applicable law. We may disclose aggregated information about you, and information that does not identify any individual, without restriction.

How We Use Your Personal Information

We use the information we collect to provide, maintain, analyze, and improve our Site, including to:

Facilitate and personalize your use of the Site, and send you communications, notifications, confirmations, updates, product announcements, security alerts, technical notices, and administrative messages.
Provide access to certain areas, functionalities, and features of our Site.
Verify your identity.
To the extent permitted under applicable law, to monitor and analyze trends, usage and activities in connection with our Site and personalize and improve our Site.
Respond to your comments, questions, and requests, and otherwise facilitate or contact you about your use of our Site.
Notify you about important changes our Site and applicable terms and policies.
Collect, display and publish reviews and comments on our Site from our users and customers about our products and services.
Process and deliver contest entries and rewards and to display relevant advertising.
Communicate with you about marketing aspects such as products, services, offers, and events offered by VoPay and others, and provide news and information we think will be of interest to you. We may provide you with these materials as permitted by applicable law. Detect, investigate and prevent fraudulent transactions and other illegal activities and protect the rights and property of VoPay and others.
Enforce this Privacy Policy or our Terms of Use.
Share information with third parties as needed to provide access to the Site
Carry out any other purpose for which consent is obtained, or as otherwise permitted or required by law.

Whatever the purpose may be, we will collect and process your personal information to the extent you have provided us with your consent, or as reasonably necessary to fulfill our contracts with you, or as may be required by applicable law. We may use your personal information and other information for purposes for which we have obtained your consent, and for such other purposes as may be permitted or required by applicable law.

How We Share Your Personal Information

Personal information we collected may be shared as follows or as otherwise described in this Privacy Policy:

In response to a request for information if we believe disclosure is in accordance with any applicable law, regulation or legal process, or as otherwise required by any applicable law, rule or regulation.
With vendors, consultants, and other service providers who need access to such information to carry out work on our behalf in connection with our Site.

A more detailed list of third-party service providers is outlined below under “Third Party Websites and Services”.

If we provide your information to third-party service providers, we take reasonable measures to ensure that this Privacy Policy and its principles are complied with, and these third parties provide sufficient guarantees to implement appropriate security measures. We also require that they only use your personal information for the limited purposes for which it is provided. When our service providers no longer need your personal information for those limited purposes, we require that they dispose of the personal information. We do not authorize the service providers to disclose your personal information to unauthorized parties or to use your personal information for their direct marketing purposes.

In some circumstances, we may permit our service providers to retain aggregated or statistical information that does not identify you directly.

Additionally, we may use and disclose your information when we believe such use or disclosure is permitted, necessary or appropriate:

(a) under applicable law, including laws outside your country of residence;

(b) to comply with legal process, including outside of your country of residence;

(c) to respond to requests from public and government authorities, or to cooperate with law enforcement, including public and government authorities outside your country of residence;

(d) to enforce the terms of the agreements for our products and services;

(e) to protect our operations or those of any of our affiliates or subsidiaries;

(f) to protect our rights, privacy, safety or property, and/or those of our affiliates, you or others;

(g) to allow us to pursue available remedies or limit the damages that we may sustain; and

(h) in connection with a sale or business transaction, we may transfer your personal information to a third party to the extent necessary to conclude any reorganization, merger, acquisition, financing due diligence, purchase or sale, joint venture, assignment, transfer, bankruptcy, receivership, or other disposition of all or any portion of our business, brands, affiliates, subsidiaries or other assets.

If we otherwise intend to disclose your personal information to a third party, in a manner not identified in this Privacy Policy, we will identify that third party and the purpose for the disclosure and obtain your consent.

Retention Of Personal Information

We will use, disclose or retain your personal information only for as long as necessary to fulfill the purposes for which that personal information was collected, provide you access to our Site, resolve disputes, establish legal defences, conduct audits, pursue legitimate business purposes, enforce our agreements, comply with, and as permitted or required by applicable law. These times vary depending on the purpose for which the information was collected and the need for the information. We will destroy records containing personal information or in some cases, anonymize all personal information in the records when we no longer need the information for the purpose for which it was collected, or for other business or legal purposes, or its retention is no longer required by law.

Third-Party Websites and Services

This Privacy Policy applies only to our Site. It does not extend to any websites, products, social media platforms or services provided by third parties.

There may be times when a third party may ask to collect your personal information themselves. These third parties can include advertisers and third-party service providers and payment processors. When you provide your personal information to such third parties, they will use your personal information in accordance with their own privacy policies and not this Privacy Policy. These third-party services are not controlled by us. Therefore, you should read their privacy policies carefully before providing them with your personal information. We do not endorse, screen, or approve, and are not responsible for the privacy practices of such third parties, and we encourage you to review all third-party privacy policies prior to using third party websites or products or services. Providing personal information to third-party websites or applications is at your own risk. The third-party service providers we use, include but are not limited to, the following:

Google Analytics. We use Google Analytics to help us understand how our users interact with certain features on our website. For more information, please visit https://analytics.google.com/analytics/web
HubSpot. We use HubSpot for lead and client information from our Site users. HubSpot is a CRM and marketing system that allows us to track and take action on our relationships with our Site users. For more information, please visit https://hubspot.com
Bing Ads. For more information about Bing Ads, please visit Microsoft Privacy Policy.

Google Ads. For more information about Google Ads, please visit https://policies.google.com/privacy
Hotjar. We used Hotjar to provide insights into website behaviours and product experiences to help improve our use experience. For more information about Hotjar please visit https://www.hotjar.com/legal/policies/privacy/

If you would like more information about our service providers, please contact us using the contact information in the “Contact Us” section below.

International Transfer and Storage

Your personal information may be transferred, stored and processed in any country where we have facilities or in which we engage third-party service providers. As a result, to the extent permitted under applicable law, your personal information may be transferred to countries outside your country of residence, which may have different data protection rules than in your home country. While such information is outside of your country, it is subject to the laws of the country in which it is located and may be subject to disclosure to the governments, courts or law enforcement or regulatory agencies of such other country, pursuant to the laws of such country. For more information about the safeguards, we use for international transfers of your personal information, please contact us using the contact information in the “Contact Us” section below.

Information Security

We have implemented reasonable physical, organizational, contractual and technological security measures with a view to protecting your personal information and other information from loss or theft, unauthorized access, disclosure, copying, use or modification. We have taken steps to ensure that the only personnel who are granted access to your personal information are those with a business ‘need-to-know’ or whose duties reasonably require such information.

While we take precautions against possible breaches in our data storage and databases, no website or Internet transmission is completely secure, so unfortunately we cannot guarantee that unauthorized access, hacking, data loss, or other breaches will never occur. Your use of our Services is at your own risk. We assume no liability for disclosure of your personal information due to transmission errors, unauthorized access, or causes beyond our control, including security failures on the part of our partners and third-party service providers and processors. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any information that you provided to us has been compromised), please contact us immediately using the contact information in the “Contact Us” section below.

Accessing And Updating Your Personal Information

We make reasonable efforts to ensure that your personal information is kept as accurate, complete and up-to-date as reasonably necessary. We will not routinely update your personal information unless such a process is necessary. We expect you, from time to time, to supply us with updates to your personal information, when required.

In accordance with applicable law, you may have the right to make a written request to delete or review any personal information about you that we have collected, used or disclosed, and we will provide you with any such personal information to the extent required and/or permitted by law. You may also request corrections to your personal information. If you successfully demonstrate that your personal information in our records is inaccurate or incomplete, we will amend the personal information as required and/or permitted by law. To exercise these rights, please contact us by using the contact information in the “Contact Us” section below. We will process such requests in accordance with applicable laws. Please note that certain regulations and laws may require us to retain certain records for a prescribed period of time after the close of the business relationship.

We may require that you provide sufficient identification to fulfill your request to access or correct your personal information. Any such identifying information will be used only for this purpose.

Opting Out of Communications

If you no longer want to receive marketing-related emails from us, you may opt-out of receiving marketing-related emails by clicking the “unsubscribe” link at the bottom of any email you receive from us. You may also opt-out by contacting us directly using the contact information in the “Contact Us” section below.

We will endeavor to respond to your opt-out request promptly, but we ask that you please allow us a reasonable time to process your request. Please note that if you opt-out from receiving marketing-related emails, we may still need to send you communications about your use of our products or other matters you have requested. We may also send you certain non-promotional communications regarding us, and you will not be able to opt out of those communications (e.g., communications regarding our Site or updates to our Terms of Use or this Privacy Policy).

Do Not Track (“DNT”) is a privacy preference that users can set in certain web browsers. Please note that we do not respond to or honor DNT signals or similar mechanisms transmitted by web browsers.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the Network Advertising Initiative, the Digital Advertising Alliance, and the Digital Advertising Alliance of Canada.

Please note you must separately opt out in each browser and on each device.Children’s Information

Our Services are not intended for children under the age of 16. Children under the age of 16 should not use our website and should not supply us with any personal information.

If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 16 without the consent of their parent or legal guardian, please contact us using the information in the “Contact Us” section below.

Email Communications

As part of your use of our Site, or other interactions with us, we may send you emails to operate or promote our services, or other products and information we believe may be of interest to you. In addition, we may contact you using other personal information that you have provided to us (such as a physical mailing address) or contact information that you have made publicly available (such as through a social networking service). We provide an opt-out function within all email communications of this nature, or alternatively we will cease to communicate with you for this purpose if you contact us and tell us not to communicate this information to you.

Privacy Policy Updates

This Privacy Policy is current as of the “updated” date which appears at the top of this page. It may be modified or updated from time to time. When changes are made to this Privacy Policy, they will become immediately effective when published in a revised Privacy Policy posted on our website unless otherwise noted. If there are any material changes to this Privacy Policy, we will notify you as required by applicable law.

By submitting your personal information to us, by accessing or using any of the products or our Services, or by voluntarily interacting with us after we publish or communicate a notice about the changes to this Privacy Policy, you consent to our collecting, using and disclosing your personal information as set out in the revised Privacy Policy.

Contact Us

All comments, questions, concerns or complaints regarding your personal information or our privacy practices should be sent to our Privacy Officer as follows:

VoPay International Inc.

Attention: Privacy Officer

Address: Four Bentall Centre 1055 Dunsmuir Street Suite 594, Box 49263 Vancouver, BC V7X 1L2 Canada

By e-mail: [email protected]

VoPay Financial Canada Inc.

Attention: Privacy Officer

Address: Four Bentall Centre 1055 Dunsmuir Street Suite 594, Box 49263 Vancouver, BC V7X 1L2 Canada By e-mail: [email protected]