1. Scope of This Policy

This Privacy Policy applies to all MOBOPAY websites, applications, and online services that link to it (collectively, “Sites”).

If you are a merchant who has entered into a Merchant Services Agreement with MOBOPAY, that agreement governs our use of cardholder and transaction data collected through payment processing. In the event of a conflict, your Merchant Services Agreement will take precedence.

2. Consent and Updates

By using our Site or submitting information to MOBOPAY, you consent to the collection, use, and disclosure of information as outlined in this policy. We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. Updates will be posted on this page with an updated “Effective Date.”

3. Information We Collect

We collect both Personal Information and Non-Identifiable Information:

• Personal Information: Information that identifies you or your business, such as your name, address, email, phone number, business registration, banking details, or tax identification number.
• Non-Identifiable Information: Browser type, device information, geographic region, session data, website usage statistics, and preferences.

4. How We Collect Information

• When you fill out a form, create an account, or submit an application.
• Automatically through cookies, analytics tools, and similar technologies.
• From public sources or partners such as financial institutions and service providers.

5. Online Tracking & Cookies

We use cookies and similar tracking technologies to enhance your experience and analyze site traffic. Cookies help remember your preferences, secure your account, and personalize content.

You can adjust your cookie settings in your browser. Disabling cookies may limit certain features of our site.

We also use analytics tools such as Google Analytics to measure traffic and site performance. These services use anonymized data and do not identify individual users.

6. How We Use Your Information

• To provide, operate, and maintain MOBOPAY services.
• To evaluate applications for merchant accounts and payment processing.
• To communicate updates, respond to inquiries, and provide support.
• To comply with regulatory and legal requirements in Canada.
• To detect, prevent, and investigate fraud or unauthorized activity.
• To send service updates, newsletters, or promotional information (in compliance with Canada’s Anti-Spam Legislation).

7. Sharing and Disclosure

We do not sell or rent your personal information. MOBOPAY may share limited data only as needed to operate our business:

• Service Providers: Companies providing hosting, analytics, billing, customer support, or fraud prevention.
• Financial Partners: Banks and card networks involved in processing your transactions.
• Legal Obligations: When required by law or regulatory authorities such as the Financial Consumer Agency of Canada (FCAC).
• Business Transactions: If MOBOPAY is merged, acquired, or undergoes a corporate reorganization, information may be transferred as permitted by law.

8. Data Security

MOBOPAY employs industry-standard administrative, technical, and physical safeguards to protect your information. Access to personal data is restricted to authorized personnel only. However, no system is entirely secure, and we encourage users to take appropriate precautions when transmitting information online.

9. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this Policy or as required by law (e.g., for tax or regulatory compliance).

10. International Data Transfers

Some of our service providers may be located outside of Canada. In such cases, your information may be processed in jurisdictions that have different privacy laws. MOBOPAY ensures that all international transfers comply with Canadian privacy requirements.

11. Your Rights

Under the Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access and request correction of your personal information.
• Withdraw consent to certain uses of your data.
• File a complaint with the Office of the Privacy Commissioner of Canada.

To exercise your rights, contact us as outlined below.

12. Links to Third-Party Sites

Our website may link to external sites. MOBOPAY is not responsible for the privacy practices or content of third-party websites. We encourage users to review the privacy policies of those sites before providing personal information.

13. Children’s Privacy

MOBOPAY services are not directed toward children under the age of 13. We do not knowingly collect personal information from minors.

14. Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact:

MOBOPAY Inc.
Attn: Privacy & Compliance 📧 privacy@mobopay.ca
🌐 www.mobopay.ca