This privacy policy demonstrates how we use the collected data from our customers when they would like to use our services and visit our website via https://rpn-pay.ca/ also when they contact us through our phone lines and live chat.
Confidentiality, data protection and privacy are very important to us. Therefore, we are determined to act responsibly upon accepting and processing personal data to protect our clients, colleagues, and public from fraud. Our policy would legally bound as you use our service.

Responsible bodies

RPNPay with address and registration number below: (7030 Woodbine Ave #500, Markham, ON, Canada L3R 6G2) is the responsible Authority who collects, process and use the provided data by our clients. In case you come across a question you would like to ask us please do not hesitate to contact us by email on: privacy@rpn-pay.ca

Receiving information/data by clients

The following data or information may be collected and processed:
While using our services if you sign up you would provide us with your personal details such as name, home address, phone number or email address.
information you provide while having a live chat, using website or app, entering a competition,promotions or taking part in surveys also while reporting a problem about our services.

The information you might provide would include:
financial information (including credit card, debit card, or bank account information), payment reason, geographical location, social security number, personal description, photography photo IDs and photo of your documents. we might require more identification or commercial information to comply with money laundering regulations if you are sending or receiving higher value or volume of transactions.
In case you need to provide us with third party information that would receive payments from you while using our services is your responsibility to obtain consent from that individual to disclosure those personal
information or data to us.

Collecting information automatically

Transaction’s information including geographical location, time zone and the browser which the transaction was made from
also your technical information including internet protocol (IP) address, log in information, platforms, and uniform resource
locator (URL), what pages you visited, the length, searched and your Interaction, the phone number you are making the call
from to us.

Information received about you from other sources

We might receive Information about you from other sources, third parties and any other services you use that we provide.

Data received from social media

While you are using our services, we might receive relevant necessary data including your name, profile image and email
address. We use such information that you have provided to social media platforms such as Facebook, Instagram or Google
to be able to authenticate you, communicate with you also to give access to our referral link to send to your contacts.

Sensitive and under 18 data

We are intending to process the least amount of sensitive data and documentation which might contain biometric data of individuals. We process personal information in accordance with applicable Canadian privacy laws including the Personal Information Protection and Electronic Documents Act (PIPEDA).
We would not intend to collect data from any individual younger than 18 years old if this data is collected unintentionally or without parental consent, we would omit it immediately from our system.

Safeguarding of the collected data

The firm will use the Amazon AWS cloud server system to store sensitive data. Amazon AWS’s servers are kept under a strict security watch and are always patched against the latest SSL vulnerabilities, with Grade “A” SSL ratings at all the times. The following technical security measures are in place to prevent access to sensitive data:

• User authorization is restricted – access is granted on a need-to-know basis.
• Pseudonymization – user sensitive data will be replaced with random codes.
• SSL certifications will be installed on the firm’s website.
• Password policies will be implemented, and password management applications.
• Training on the proper use of passwords will be provided to staff.
• Data will be encrypted.

Ways we use your information

• To carry out our obligations relating to your contract with us and to provide you with the information, products, and services.
• To comply with any applicable legal and/or regulatory requirements.
• To notify you about changes to our Services.
• As part of our efforts to keep our Services safe and secure.
• To administer our Services and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
• To improve our Services and to ensure that they are presented in the most effective manner.
• To measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you.
• To allow you to participate in interactive features of our Services when you choose to do so.
• To provide you with information about other similar goods and services we offer.
• To combine information, we receive from other sources with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).

Disclosure of your information

our information might be shared with specific third parties such as:

• Suppliers, partners, and subcontractors for performing the contract we entered with them.
• Advertisers and advertising networks solely to select and serve relevant adverts to you and others with your consent.
• Analytics and search engine providers that support us to improve our website.
• Other entities or subsidiaries.

Sharing with other third party:

• Business partners, suppliers and subcontractors for the performance and execution of any contract we enter with them or you.
• If we require by law or we are undertaking a duty to release or share your personal data to comply with law or to fulfil or operate our Customer Agreement and other appropriate agreements; or to protect the rights, property, or safety of RPNPay, our customers, or others. Including exchanging information with other companies and organizations for prevention of the fraud and credit risk lessening.
• To assist us in conducting or co-operating in investigations of fraud or other illegal activity where we believe it is reasonableand appropriate to do so; in response to a subpoena, warrant, court order, or as otherwise required by law.
• Evaluating financial and insurance risks.
• Recovering debt or in relation to your insolvency; and developing customer relationships, services, and systems.

we do not have a list of all third parties that we share your data with, as this would be conditional on your specific use of
our Services. Nevertheless, if you would like to have more information, you can contact us by writing to
privacy@rpn-pay.ca

Sharing and storing your personal data

We may process, store, or transfer your personal information to service providers, partners, or financial institutions located outside Canada where this is necessary to provide our services. Our staff or partners located in other jurisdictions may be involved in the fulfilment of your payment orders, the processing of your payment details, and the provision of customer support services.
By submitting your personal information, you acknowledge and consent to such transfer, storage, and processing where required for the provision of our services. We take reasonable measures to ensure that your personal information is handled securely and in accordance with this Privacy Policy and applicable Canadian privacy laws.

Profiling and Automated Decision Making

Some of your data might be used to customise our services and to focus on your demands for example if we keep the tracking of the countries, you make transactions to or from and if we have any product or feature that might help you with that, we can inform you. while we take privacy and security of your data very seriously, we take all the essential action to make sure these data are protected.

Using automated decision making identified as ADM allows us towards Improve our clients experience and would help us fight financial crime. we might use ADM to verify your identity or accuracy of your documents. you can make a request that we provide more Information about our ADM technology and would ask to check If the decision about your application has been made correctly however, the ADM process would not be having any legal effect on our customers. we reserve the right to reject any request as allowed by the applicable law such as when suspecting of a fraud or a crime. meanwhile we would ensure there is no error or bias in our system, and it Is working as expected or we might be required by law to adjust our processing object to base on a valid ground. except the reason we have Is outweighing any prejudice towards the data protection right.

Cookies

RPNPay does not use cookies on its website. We do not collect, store, or track any user information
through cookies or similar technologies.

Data Retention

As we are a registered financial institution, required by law to store some of your data even after the closure of your account. We only access your data internally only if it’s necessary and, on the need-to-know basis. we would omit the data If It’s no longer required by law or the authority that we operate.
We retain personal information for as long as required to comply with legal and regulatory obligations, including anti-money laundering requirements, which may require retention for a minimum of five (5) years.

Your rights

You may have the right to access information we hold about you Subject to applicable laws. In certain conditions, you
may have the right to require us to:

• Details on how we used your data.
• A copy of the information that you have provided to us.
• Updating any incorrect, inaccurate, or out of date information we keep.
• Ommitting any data that no longer necessary, or subject to a legal obligation. it may not be possible to delete your data at the time of request due to our legal obligations.
• We stop processing your application where processing is based on consent If you withdraw your consent.
• We terminate direct marketing to you, by contacting us or adjusting your notification preferences.

We aim to respond to any individual exercising any of the following rights within a month. your entitlement is subject to certain exemptions to safeguard the public interest for example, the prevention or detection of crime.

Third-party links

In-order-to keep up to date with the privacy policy changing legislation we may review our policy at any time without posting a review date update on the website. Therefore, to stay UpToDate the best is to check back regularly – Last Update: Feb 2026

Contacting us

You can contact us by sending any question, inquires and feedbacks regarding our privacy policy to regarding this privacy policy to privacy@rpn-pay.ca. You can also write to us at the following address – RPNPay 7030 Woodbine Ave #500, Markham, ON L3R 6G2

In the event of any concerns regarding the handling of your personal information, you may contact us directly and we will seek to resolve the matter promptly. If you remain dissatisfied with our response, you may submit a complaint to the Office of the Privacy Commissioner of Canada (www.priv.gc.ca) or another applicable privacy authority responsible for enforcing Canadian privacy legislation.