Privacy Policy

Transparent Payments Ltd. is a merchant services company based in British Columbia, Canada. This policy explains how we collect, use, disclose, and protect personal information obtained through this website and from businesses that contact us.

We handle personal information in accordance with British Columbia's Personal Information Protection Act (PIPA) and, where it applies, Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable law. In this policy, “personal information” means information about an identifiable individual.

Through the consultation and contact forms on this website, we collect the information you choose to provide: your name, business name, email address, phone number, industry, approximate monthly card volume, the topics you would like to discuss, your message, and the page from which the request was submitted.

We do not collect payment card numbers or other payment credentials through this website.

Our website platform and internet service providers may process limited technical information generated by your visit, such as the pages requested, browser type, and general device information, in order to serve and secure the site.

We use the information you provide to:

• Respond to your inquiry and arrange a consultation
• Review your situation and prepare relevant payment processing options
• Follow up on your request and keep a record of the conversation
• Maintain internal records of inquiries and merchant relationships
• Meet legal, tax, and record-keeping obligations

By submitting a form on this website, you consent to the collection and use of your information for the purposes described in this policy. If we ever wish to send you information about our services beyond responding to your inquiry, we will ask for your consent separately.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, by writing to the address in the Contact section below. If you withdraw consent, we may no longer be able to respond to your inquiry or continue a conversation with you.

We do not sell or rent personal information. Information may be shared with service providers who support our operations, and only to the extent needed for the service they provide.

If you choose to proceed with a payment processing solution, the information required for that application is shared with the applicable processor or provider with your involvement and consent. Their own privacy terms apply to that processing.

We may also disclose information where required by law, or where necessary to protect our legal rights or the safety of others.

This website is built and hosted on the Base44 platform. Consultation requests submitted through the site are stored in that platform's database, and access is limited to authorized administrators of Transparent Payments Ltd.

Email correspondence and internal notification emails are sent and received through Google Gmail, which we use as our business email service.

These providers process information on our behalf under their own terms of service and privacy commitments. Their infrastructure may process information in jurisdictions outside Canada, where different privacy laws apply. We will confirm and state the specific jurisdictions before this policy is published in final form.

Information submitted through this website is stored in our website platform's database, with access restricted by account authentication and role-based permissions to the administrators who need it.

We use reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information. No method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

We keep personal information only for as long as it is needed for the purposes described in this policy, or as required by applicable law, after which it is destroyed or de-identified.

Records relating to an ongoing merchant relationship, or to information that must be kept for legal, tax, or regulatory reasons, may be retained for the period required.

You may ask to see the personal information we hold about you, ask us to correct information that is inaccurate or incomplete, or ask us to delete information. Requests can be sent to the email address in the Contact section below.

We may need to verify your identity before responding, and we will respond within the time required by applicable law. Some information may be exempt from access, or may need to be retained for legal reasons, in which case we will explain why.

If you are not satisfied with our response, you may contact the Office of the Information and Privacy Commissioner for British Columbia at oipc.bc.ca.

This website uses the cookies and local storage required for it to function, including for administrators who sign in to manage inquiries. We do not use this information for advertising.

If analytics or other tracking tools are added in future, this policy will be updated before they are used.

Transparent Payments Ltd. has a designated privacy officer responsible for compliance with this policy and with applicable privacy law.

Privacy questions, access and correction requests, and notices of withdrawal of consent can be sent to transparentpaymentsltd@gmail.com and will be directed to the privacy officer.

We may update this policy from time to time to reflect changes in our practices or applicable law. The current version will always be posted on this page with its review date.

If a change materially affects how we handle information already collected, we will communicate it where appropriate.

Transparent Payments Ltd. — British Columbia, Canada

Email: transparentpaymentsltd@gmail.com