Get Started

Privacy Policy

Privacy Policy Agreement

This Privacy Policy explains how WiserPay ("we", "us", or "our") collects, uses, shares, and protects personal information when you use our payment processing services and website at https://www.wiserpay.com.

We are committed to protecting your privacy and handling personal data responsibly, in compliance with applicable Canadian privacy legislation including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. We only collect information necessary to provide our services and never sell personal data to third parties.

1. About Us

Data Controller: WiserPay
Website: https://www.wiserpay.com
Contact: [email protected]

2. Information We Collect

Information you provide directly:

  • Account Information: Business name, contact name, email address, and phone number.
  • Identity & Business Verification (KYB): Government-issued ID, proof of address, certificate of incorporation, beneficial ownership details.
  • Financial Information: Bank account details for settlement, transaction history.
  • Communication Data: Messages, emails, and support correspondence.

Information collected automatically:

  • Technical Data: IP address, browser type, device information, operating system.
  • Usage Data: Pages visited, time spent on site, click patterns, referral sources.
  • Transaction Data: Payment amounts, currencies, merchant information, transaction status.
  • Security Data: Login attempts, device fingerprinting, fraud prevention metrics.

3. How We Use Your Information

  • Providing and managing payment processing services under our contract with you.
  • Identity and business verification to comply with KYB, AML, and CTF legal obligations.
  • Fraud prevention, risk management, and platform security.
  • Customer support and service-related communications.
  • Service improvement and anonymized analytics.

4. Information Sharing and Disclosure

We may share your information with trusted third parties solely for the purpose of providing our services:

  • Banking & Acquiring Partners: Licensed banks and financial institutions required to process payments.
  • Payment Networks: Visa, Mastercard, and other applicable card schemes.
  • KYB/AML Providers: Identity verification and compliance screening services.
  • Technology Partners: Cloud hosting, security, and analytics providers.
  • Legal Requirements: We may disclose information when required by law, court order, regulatory request, or to prevent fraud and financial crime.

We never sell personal data to third parties.

5. Data Retention

We retain personal information for as long as necessary to provide our services and comply with legal obligations. Specific retention periods:

  • 1. Account Data: Duration of relationship + 7 years
  • 2. Transaction Records: 7 years from transaction date
  • 3. Identity Documents: 7 years from account closure
  • 4. Website Analytics: 26 months (anonymized)

6. Your Privacy Rights

Under applicable Canadian privacy law, you have the right to access, correct, or request deletion of your personal data, as well as the right to withdraw consent where processing is based on consent. To exercise any of these rights, please contact us at [email protected]. We will respond within 30 days.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. These include:

  • Necessary Cookies: Essential for website functionality and security.
  • Preference Cookies: Remember your settings and preferences.
  • Analytics Cookies: Help us understand how the website is used. Disabling certain cookies may affect functionality.

8. Security Measures

We implement comprehensive security measures to protect personal data, including encryption in transit and at rest, strict access controls, multi-factor authentication, firewall and intrusion detection systems, and regular security audits.

9. Children's Privacy

Our services are intended for business use only and are not directed at individuals under 18 years of age. We do not knowingly collect personal information from minors.

Questions, comments, or reports

You may direct questions, comments, or privacy-related requests to:

[email protected]

Updates to this Privacy Policy

WiserPay reserves the right to update this Privacy Policy periodically to reflect changes in our practices or applicable laws. The updated policy will be posted on our website with a revised effective date. For material changes, we will notify you via email or through your merchant Account. Your continued use of the Services following any update constitutes your acceptance of the revised Privacy Policy.