Vision Pay (“we,” “our,” “us”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your data when you visit our website, register for an account, or use our financial services.
By accessing or using Vision Pay, you agree to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following categories of information:

1.1 Personal Identification Information

• Full Name
• Date of Birth
• Residential address
• Contact details (email, phone number)
• Government-issued ID (passport, ID card, driver’s license)
• Proof of address (utility bill, bank statement)

1.2 Financial & Transactional Information

• IBAN/e-wallet account details
• SWIFT/Wire transfer data
• Payment history and transaction logs
• Currency conversion activity
• Prepaid card usage data

1.3 Compliance Information

• Risk assessments
• Verification results
• Screening checks (sanctions, PEP, adverse media)
• Documentation submitted during onboarding

1.4 Technical Data

• IP address
• Device and browser information
• Login timestamps
• Security logs

2. Why We Collect This Information

We collect and use your data to:

• Verify your identity according to FINTRAC regulatory requirements
• Prevent fraud, money laundering, and suspicious activity
• Provide and maintain our financial services
• Process payments, transfers, and account requests
• Ensure platform security and proper account access
• Meet legal reporting and record-keeping obligations

We do not sell your data or use it for unrelated purposes.

3. How We Protect Your Information

We implement multiple security measures, including:

• Data encryption
• Secure servers and restricted access
• Two-factor authentication (2FA)
• Continuous transaction monitoring
• Mandatory compliance audits

Your information is stored securely and handled according to applicable regulations.

4. Data Retention

Financial regulations require us to retain certain personal and transactional records for a mandatory period, even after an account is closed. Once retention periods expire, data is securely deleted or anonymized.

5. Sharing of Information

We may share information only when necessary with:

• Regulatory bodies (FINTRAC and other authorities)
• Payment partners and financial institutions
• Identity verification providers
• Fraud prevention and compliance services

All partners must follow strict confidentiality and security obligations.

6. Your Rights

Depending on your region, you may request:

• Access to your personal information
• Correction of inaccurate data
• Restriction of processing (where legally allowed)

Please note: We cannot delete information required for KYC/AML compliance or legal record-keeping.

7. Cookies Policy

Vision Pay uses cookies and similar tracking technologies to improve your browsing experience, enhance security, and analyze how our website is used.
What We Use Cookies For

• To remember your preferences and login sessions
• To help protect your account and detect suspicious activity
• To improve website performance and functionality
• To understand how visitors use our pages (analytics)

Types of Cookies

• Essential cookies – required for the site to function
• Security cookies – help prevent fraud and unauthorized access
• Analytics cookies – provide anonymous usage statistics
• Preference cookies – remember settings like language or layout

Managing Cookies

You can disable cookies in your browser settings at any time. However, some features of the site may not function properly without essential cookies.

Third-Party Cookies

We may use trusted service providers (e.g., analytics or security tools) that place cookies on our behalf. These partners must meet strict privacy and security standards.

8. Contact Us

For questions about this Privacy Policy or your information:

• Vision Payments Ltd.
• 322-901 3rd Street West
• North Vancouver, British Columbia
• Canada
• Email: contact@visionpayltd.com