PRIVACY POLICY
1. Who We Are PAYGEN is a platform that facilitates the submission of merchant applications to third-party payment gateway providers (“PG Providers”). We act solely as an intermediary to support the onboarding and evaluation process. PAYGEN does not directly process payments and is not a party to the merchant agreement between the PG Provider and the applicant.
2. Information We Collect We collect a variety of personal and business information as reasonably necessary to support your application, assist with onboarding, and meet compliance requirements. This includes:
● Full legal name and date of birth
● Personal and business email addresses
● Personal and business phone numbers
● Residential and business physical addresses
● Government-issued identification such as a driver’s license
● Business registration, incorporation certificate, or business license
● Estimated annual revenue and average transaction volume
● Bank account details for payout purposes (e.g., void cheque or direct deposit form)
This information is typically provided directly by you when completing an application through our platform.
3. How We Use Your Information The personal and business data collected is used for the following purposes:
● To facilitate your application and transmit it to one or more PG Providers or PG agents
● To support identity verification, Know Your Customer (KYC), and anti-fraud procedures
● To track and communicate onboarding or evaluation status to you
● To provide basic support and clarify any issues that arise during the application process
● To fulfill legal or regulatory requirements and respond to lawful requests from authorities
We do not use your information to create an account or conduct payment processing, nor do we use your information for promotional or marketing purposes.
4. How We Share Your Information We only disclose your information to third parties as necessary to deliver our services. These third parties include:
● PG Providers and authorized agents who evaluate and process your merchant application
● Financial institutions for the purpose of enabling payout arrangements
● Third-party service providers supporting our operations (e.g., cloud storage, analytics, document handling), who are subject to confidentiality obligations
● Government agencies or regulators when legally required
We do not sell or lease your personal information to any third party under any circumstance.
5. Use of Cookies and Tracking Technologies We use cookies and similar technologies, including Google Analytics, to collect usage data from our website. These tools help us understand traffic patterns, measure engagement, and improve the user experience.
You can disable cookies through your browser settings. Please note that disabling cookies may affect certain functionalities, such as saving your preferences or enhancing site performance.
6. Data Retention and Deletion All information you enter through our platform in connection with a merchant application—whether submitted or saved—is retained for up to 120 days from the most recent activity date. After 120 days, the data will be automatically and permanently deleted and cannot be recovered.
We issue user accounts to facilitate the application process. Each user must create an account to submit, save, or track the status of their application.
If you wish to delete your information before the 120-day period, you may contact our support team after logging into your account. We will verify the request and proceed with deletion where permitted by law.
7. Security of Your Information We use commercially reasonable physical, technical, and administrative safeguards to protect the confidentiality and integrity of your data. While we strive to secure your information, no system is entirely immune from unauthorized access, and we cannot guarantee absolute security.
8. International Transfers Your data may be processed and stored on servers located in jurisdictions outside of your province or country, including Canada or the United States, depending on our operational or third-party infrastructure.
9. Chatbot Interactions
If you choose to interact with our chatbot, we may collect and process the content of your messages, timestamps, and related metadata. This data is used for the purposes of improving service quality, monitoring for misuse, and enhancing user experience.
Your chatbot interactions may be reviewed manually or automatically and may be stored for a limited period of time. We do not use chatbot data to make automated decisions that produce legal or similarly significant effects.
By using the chatbot, you consent to the collection and use of information as described in this section. If you do not wish to have your chatbot interactions collected, please refrain from using the chatbot feature.
10. Children’s Privacy Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have received such information, we will delete it promptly.
11. Your Rights and Choices You may have certain rights regarding your personal data depending on your jurisdiction, including:
● The right to request access to the data we hold about you
● The right to request correction of inaccurate or outdated information
● The right to request deletion of your information, where applicable
● The right to object to certain uses or withdraw consent (if consent was the basis of processing)
To exercise any of these rights, please contact us using the details below. We may request additional verification to protect your data.
12. Changes to This Privacy Policy We reserve the right to update this Privacy Policy as our practices evolve. If material changes are made, we will notify users via the website or direct communication, where appropriate. Continued use of our services after changes are posted will constitute acceptance of the revised policy.
13. Contacting Us If you have any questions, concerns, or requests related to this Privacy Policy or your personal data, you may contact us at:
Email: info@paygen.ca
