Privacy Policy & Terms

OUR PRIVACY POLICY (EXTERNAL)

We value the trust that you have placed in Payquad Solutions Inc. (“we”, “our”, or “us”) and protecting your personal information is our priority. This Privacy Policy (“Policy”) discloses the practices of Payquad Solutions Inc. and its affiliates (collectively, “Payquad”), regarding the collection, use, safeguard, disclosure, transfer, access, disposal and other processing (collectively, “Processing”) of personal information of individuals who engage with Payquad for our support, services or otherwise, or visit our website(s) (“Website”) or contribute to Payquad social media platforms. For the purposes of this Policy, personal information (“Personal Information”) shall mean information that can identify an individual directly or indirectly through reasonably available information, but does not include business contact information that is used solely for the purpose of communicating or facilitating communication with an individual in relation to their employment, business, or profession.

ACCEPTANCE OF PRIVACY POLICY

By providing Personal Information to Payquad, and visiting the Website and clicking “I have read and Agree to the Terms of Service and Privacy Policy”, engaging with our social media or otherwise, you are consenting to our Processing of your Personal Information in accordance with the terms of this Policy. 

This Policy is effective as of the “Revision Date” in the footer, and will remain in effect except with respect to any of its provisions that are changed in the future. We reserve the right to change this Policy at any time. Changes, modifications, additions, or deletions will be effective immediately upon their posting to the Website or upon you being otherwise notified for all go forward interactions. Your continued use of the Website or our other Services after we post any such modifications will constitute your acknowledgement of the modified Policy and your agreement to abide and be bound by the modified Policy on a go forward basis. We will also update the “Revision Date” when we post substantive changes to the Policy. 

RIGHT TO OPT OUT

Subject to certain legal and contractual limitations, you have the right to withdraw your consent from us Processing your Personal Information. This may limit our ability to provide you with our services, act on your behalf or engage with you as you would like. To withdraw your consent to certain Processing by Payquad you may declare to the Designated Privacy Official (contact information provided below) in writing, at any time, of your desire to withdraw consent. Payquad will inform you of the implications of such withdrawal within thirty (30) days of your written request. Any withdrawal of consent will apply thereafter and not to information handling practices that have been previously undertaken based on prior consent. 

MINORS

Payquad will not knowingly obtain consent from those individuals who are minors, or those who are not otherwise able to legally consent to terms. If Payquad has a concern about this, we shall seek consent from a person having legal authority in relation to or a power of attorney of such an individual. 

COLLECTION AND PROCESSING OF YOUR PERSONAL INFORMATION

Types of Personal Information Collected and Processed

The Personal Information which Payquad may collect includes, but is not limited to:

1. Contact and identifying information including your name, mailing address, email address and telephone number.
2. Login information including username and password.
3. Transaction information including details of commercial or other transactions. 
4. Payment information including your credit card details, bank account information, and payment or other information as required.
5. User information including messages and images uploaded / shared as part of a public forum, message boards, requests and user chats.
6. Information regarding your lease application and lease agreement with your landlord and other terms of your lease needed to provide the service including any supporting documents or government ID that you upload.
7. Marketing and communications information including your preferences in receiving marketing from us and third parties, and your communication preferences.
8. Computer information including device type, device identifiers, IP address, MAC address, location, browser type, operating system and platform, protocol, sequence information, cookies, beacons, pixel tags, browser language and type, and domain name system requests.
9. Internet or other electronic network activity including browsing, session, interaction, search history, duration of use, frequency of use, material and pages viewed, time and date of access, number of bytes transferred, number of clicks per visit and other user behaviour related to our website.
10. Other information which you voluntarily provide to us, our employees, or our contractors.

Purposes for Collection and Processing of Personal Information

Personal Information may be collected by Payquad for purposes that include, but are not limited to: 

1. Maintaining and improving our services and operations, and otherwise running and managing our business in the ordinary course, and keeping our records up to date.
2. Fulfilling our contractual and business obligations, including with suppliers and contractors, and accessing and using services and the Website.
3. Receiving communications from us in regard to e-news, emails, bulletins, notifications, newsletters, programs, events and activities.
4. Assisting you when you contact us, including to direct your questions to appropriate individuals, investigate and address any of your concerns, and to improve and monitor our responses.
5. Administering and protecting our business and Website, including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data. 
6. Marketing and advertising to be presented on the Website. 
7. Administering surveys and other promotional materials to you based on your interests.
8. Using data for business development and market research to understand demographics, interests, usage patterns, and other characteristics of individuals and to track and analyze trends and patterns.
9. Complying generally with all laws and applicable statutory requirements. 

Methods of Collection of Personal Information

a. General

Personal Information may be collected by Payquad in a number of ways, including in person, our website, by mail, by email, from our applications or other software, and from third parties whom you have authorized to disclose Personal Information to us.

If you provide information about a third party or authorize a third party to do so, we will assume you have taken proper measures to obtain informed consent.

b. Phone Calls

For the purpose of maintaining quality, telephone calls to Payquad lines may be recorded. If your call is subject to a quality assurance program, you will be advised prior to speaking to a representative.

c. Cookies and Web Beacons

Payquad may collect Personal Information through cookies on our Website. Cookies are small text files inside your computer that contain a unique identifier, allowing us to recognize you when you visit our Website again. This helps us to understand your preferences based on previous or current Website activity, allowing us to provide you with improved services, tailor our content to meet your needs and for advertising purposes. We also may use cookies and navigational data to gather information regarding the date and time of your visit and the information for which you searched and viewed, or on which of the advertisements displayed on our Website you clicked. 

The Website may use retargeting ads to advertise online. Retargeting uses cookies from third party vendors like Google to track visitors. This tracking enables the third-party vendors to display our ads to people on various sites across the internet based on their visits to our Website. 

We may also use web beacons (small pieces of data that are embedded in images on the pages of our Website) and auditing software to track page views and entry and exit points to and from our Website. We may use web beacons, cookies, customized links and/or similar technologies to determine whether electronic newsletters sent by us to those who have requested them from us have been opened and which links are clicked. Any data collected will only be used in an aggregate form and will not contain any Personal Information.

Some cookies are automatically deactivated upon your access and use of the Website. However, unless you activate cookies, you may be unable to fully utilize and access all areas and features of the Website. You may activate cookies by visiting our Website and clicking “Activate Cookies”. Some third-party service providers may also place their own cookies on your browser. Note that this Policy only covers Payquad’s use of cookies and does not include use of cookies by such third parties.

d. Clickstream Data

When you visit the Website, we may also collect clickstream data (e.g. server address, domain name, device type, browsing software) which may be stored on the Website’s server. This information can be combined with information you have provided to us which will enable us to analyze and better customize your visits. We may use clickstream data for traffic analysis or e-commerce analysis of the Website, to determine which features of the Website are most or least effective or useful to you.

e. Mobile and Location Information

Payquad’s Website features may be accessible from web-enabled mobile devices. The intent is to provide screens that are optimized for the size of the screen and operating systems. On some devices, functionality may be limited. If you use mobile-enabled services provided by our Website, we may receive information about you from your mobile device. This may also include information about your precise location if you have enabled location-based services on your mobile device. Some devices may allow you to opt-out of this collection or access, and in those cases, you may be able to subsequently stop the collection or access. Please review your device settings for more information.

f. Social Media

If you post a review, make a comment, or otherwise submit Personal Information on a public forum such as social media accounts or public forums on our Website or other applications, your communications may be viewable by the public. When voluntarily disclosing Personal Information about yourself with other Payquad users, we are unable to control what may be done with that content. You should take all necessary precautions to protect your private information by not posting or publishing any information that you do not want in the public domain. While we strive to provide the highest level of confidentiality, you should review your personal privacy settings to further restrict any or all parts of your profile or other certain content or information. 

g. Other

Payquad may collect Personal Information when you interact with our Website, including when you access the Website, communicate with Payquad sales staff, utilize services from Payquad and or its related  group of companies, purchase goods or services, register or create or edit your account, sign up to receive newsletters and information, fill out online applications, surveys or forms, send or respond to our emails, or otherwise communicate with us. 

Sharing of Personal Information with Third Parties

Although you are entering into an agreement to disclose your Personal Information to Payquad pursuant to this Policy, we may delegate our authority for Processing of your Personal Information to third party individuals and organizations who assist us with providing our services and administering our business, and for such other purposes as set forth below, including:

1. Contractors, including companies we use for storage, processing, and delivery of services.
2. Administrative and technical support, including cloud storage providers, IT support, and data analytics providers.
3. Public media and marketing, including companies we use for advertising, marketing, public relations, and press releases.
4. Parties in connection with proposed or actual financing, insuring, sale, securitization, assignment or other disposal of all or part of our business or assets or to a person who is looking to acquire all or part of the shares in the Payquad.

We may also disclose Personal Information in situations where we are legally required or permitted to do so. These situations may include credit checks, sales personnel, third party sales management personnel, government tax reporting requirements and any other relevant government information required relating to the sale and purchase of real estate.

When signing in as a prospective tenant, your property management company may collect other Personal Information to help them assess your suitability to become a tenant. This may include, financial information, employee information, identification, past tenancy history or other such Personal Information.

If you believe that a third party has inappropriately disclosed your Personal Information to us, please contact that third party directly. If the third party does not sufficiently respond to your inquiries, please let us know immediately.

MANAGING YOUR PERSONAL INFORMATION

Accuracy of Personal Information

Payquad takes all reasonable steps to keep your Personal Information as accurate, complete and up-to-date as necessary to fulfill the purpose for which your Personal Information has been collected. If desired, you may verify the accuracy and completeness of your Personal Information in our records with our Designated Privacy Official. 

Despite our efforts, errors sometimes do occur. Should you identify any incorrect or out-of-date Personal Information in your file, we will remedy any such errors on a timely basis. You may request correction of the Personal Information we hold about you, though we may need to verify the accuracy of the new information you provide to us. If inaccurate Personal Information is mistakenly sent to a third party, we will communicate relevant changes to the third party where appropriate.

Retention of Personal Information

Payquad will store your Personal Information only for as long as is reasonably necessary to fulfill the purpose for which the Personal Information was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements or obligations of Payquad. 

To determine the appropriate retention period for Personal Information, we consider the amount, nature, and sensitivity of the Personal Information, the potential risk of harm from unauthorized use or disclosure of your Personal Information, the purposes for which we process your Personal Information and whether we can achieve those purposes through other means, and the applicable legal requirements.

In some circumstances we may anonymize your Personal Information (so that it can no longer be associated with you) for research or statistical purposes in which case we may use this anonymized information indefinitely without further notice to you.

Request for Access to Personal Information and Processing

You may request access to your Personal Information we have collected from you and information about how we are Processing it. We may need to request specific information from you to help us confirm your identity and right to access your Personal Information. This is a security measure to ensure that Personal Information is not disclosed to any person who has no right to receive it. Payquad may not always be able to comply with your request for access to Personal Information for specific reasons which you will be notified of, if applicable, at the time of your request.

Request for Deletion or Removal of Personal Information

In some circumstances you have the right to request that we delete or remove your Personal Information where there is no good reason for us to continue Processing it. You may also ask us to delete or remove your Personal Information where you have successfully exercised your right to object to Processing, where we may have processed your information unlawfully or where we are required by law to erase your Personal Information. We may not always be able to comply with your request for deletion of Personal Information for specific legal reasons which you will be notified of, in writing, within thirty (30) days of the time of your request.

PROTECTING YOUR PERSONAL INFORMATION

Integrity and Security

Payquad uses industry standard measures, including administrative, organizational, technical, and physical safeguards, to help protect Personal Information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. We implement measures and processes to help us to keep your Personal Information secure and to maintain its quality, such as keeping electronic files in a secured environment with restricted access and use. Personal Information that comprises of credit and debit card numbers are tokenized and stored off-site on Payment Card Industry Data Security Standard (PCI-DSS) compliant servers.

We regularly review our security and related policies to adapt the technology as new threats evolve and monitor our systems to help ensure the highest level of availability. If you have any questions about the security of our Website or your Personal Information, you can reach out to our Designated Privacy Official.

Access to private, sensitive and confidential information, including Personal Information, is restricted to authorized employees or contractors with legitimate business reasons. Payquad employees and contractors understand the importance of keeping your Personal Information private. All employees and contractors are expected to maintain the confidentiality of Personal Information.

Risks 

Despite the foregoing security measures and significant steps Payquad has taken to protect your Personal Information, no company can fully eliminate all security risks associated with the Processing of Personal Information. The level of risk corresponds with the nature of the information at issue and how it is used. With that in mind, we cannot guarantee the security of any Personal Information provided to or received by us. We encourage you to provide only the Personal Information you are comfortable with providing to a third party, keep watch for communications that are suspicious, and report any suspicious activity to us as soon as possible. 

WEBSITE AND APPLICATIONS GOVERNED BY THIS POLICY

Our Website and our applications available from our Website or third-party platforms (including Google Play), if any, are governed by the provisions and practices stated in this Policy. Our Website and such applications may contain links to third party sites or applications that are not governed by this Policy. Although we endeavour to only link to sites or applications that share our commitment to your privacy, please be aware that this Policy will no longer apply once you leave our Website or such applications, and that we are not responsible for the privacy practices of third party sites or applications. We therefore suggest that you closely examine the respective privacy policies of third-party sites and applications to learn how they collect, use and disclose your Personal Information.

GOVERNING LAW

This Policy and all related matters shall be interpreted and construed in accordance with the laws of the Province of Ontario and the applicable federal laws of Canada. 

PERSONAL INFORMATION OUTSIDE OF CANADA

Personal Information provided to our service providers may be stored, processed, used and accessed outside of Canada. You acknowledge and agree that, as a result, your Personal Information may be processed, used, stored or accessed in other jurisdictions and may be subject to the laws of those jurisdictions. For example, information may be disclosed in response to valid demands or requests from government authorities, courts, or law enforcement in other countries. If you are a Quebec resident, please be advised that your Personal Information is processed outside of Quebec.

ADDRESSING YOUR INQUIRIES AND CONCERNS

Your privacy is very important to us. We are happy to provide you with a copy of this Policy and to discuss any of its contents with you. 

Payquad’ Designated Privacy Official is responsible for the implementation of this Policy and monitoring our adherence to its terms and all applicable laws. The Designated Privacy Official also handles questions and concerns about our Policy, as well as Personal Information access requests and complaints. The Designated Privacy Official may be contacted at:

Designated Privacy Official, Payquad Solutions Inc.

42 Dufflaw Rd Suite 2000

Toronto, Ontario M6A 2W1

1 888 385 9037

privacy@payquad.com

LAST UPDATED: June 6, 2024