Updated: October 17, 2019
This policy sets out how Integrated Rewards Inc. (the “Company”, “We”, “Us”, or “Our”) uses, protects, and preserves information submitted by users (“Users” or “You”) through the website located at www.paymi.com and the Paymi mobile application (collectively and individually referred to as “Paymi.com”). By using Paymi.com and by submitting information to us through Paymi.com or the Service, you are agreeing to the terms of this policy (“Policy”). If you have any questions about the Policy, please contact us directly before entering any information by sending an email with your questions to email@example.com.This Policy forms part of our Terms and Conditions by reference.
"Collect" means to gather, acquire, or obtain Personal Information from any source, including third parties.
“Consent” means a voluntary agreement with what is being done or proposed. Consent can be “express” through words or by specific acts or “implied” by the conduct of the individual whose Personal Information is being collected, used, or shared. Unless we determine that we require an additional consent for specific products, services, programs, contests, promotions, or events, you agree and consent that as a provider of personal information we may collect, use, share, or otherwise process your Personal Information in accordance with this policy.
“Marketing Partners” means third parties with whom the Company has entered into special marketing arrangements, including marketing programs with other loyalty program operators that you may be a member of.
“Member” means any person, company, or organization that is using our service, and for whom an account number has been established or is being established in our databases.
“Merchant” means all merchants who provide goods and services that are participating in the Service and provide offers to Members through Paymi.com.
Offer Related Purchase
“Offer Related Purchase” means a purchase transaction made within the applicable time period for the transaction as stipulated in the Merchant offer that a Member makes either (i) through Paymi.com or (ii) using a payment card registered on his/her Paymi.com account.
“Personal Information” means information about an identifiable individual, and includes without limitation information such as your name or email address.
“Service” means all of the services provided via Paymi.com, including but not limited to all content, services, and products available through Paymi.com.
User, You and Your
“User”, “You”and “Your ”refer to the person, company, organization, or Member that has visited or is using Paymi.com or our Service.
Information We Collect and Store
If you choose to create an account on Paymi.com, or otherwise enter into an agreement with the Company (e.g. such as a Merchant agreement), we will retain all information submitted to us, including but not limited to, your age, gender, name, email address, password, the province you live in, home address, mobile location phone number, your transaction data, your rewards balance within your account, redemption activity, demographic data, and the financial institutions you use through our service providers, including related financial data (e.g., payment card type, financial services products, etc.).
To learn about your user experience and to make periodic improvements to Paymi.com, we also collect the information regularly collected by web browsers. We will automatically record information and your activity. This may include your Internet Protocol (“IP”) address, country, city, browser type, the web page visited before you came to our website, information you search for on our website, locale preferences, identification numbers associated with your devices, your mobile carrier, date and time stamps, system configuration information, metadata concerning your files, and other interactions with the Service.
We may also use “cookies” to collect information and improve our Service. A cookie is a small data file that we transfer to your device. We may use “persistent cookies” to save your user ID and login password for future logins to the Service. We may use “session ID cookies” to enable certain features of the Service, to better understand how you interact with the Service, and to monitor aggregate usage and web traffic routing on the Service. However, none of this is associated with you as an individual. It is measured only in aggregate. Cookies do not capture your individual email address or any private information about you. You can instruct your browser, by changing its options, to stop accepting cookies or to prompt you before accepting a cookie from the websites you visit. If you do not accept cookies, however, you may not be able to use all aspects of the Service.
If you are also a member of a Marketing Partner’s marketing program, we may also collect information from our Marketing Partner such as: your email associated with your Paymi.com account, a description of the transactions made through our Marketing Partner’s marketing program, aggregated marketing statistics affiliated with your account with our Marketing Partner, which Merchants you have made purchases from, and other information that is relevant to provide you with the Service you request.
From time to time, you may be asked to provide additional Personal Information for the purpose described in this Policy or as described to you at the point of collection (e.g., if you decide to enter a promotional contest, we may ask you to submit additional information in order to participate – for more information, see also “Surveys” below.).
Using the information gathered about you over time by us or our service providers as described above, Paymi.com may engage in interest-based advertising, or “online behavioural advertising”, which includes ads presented to you after you leave Paymi.com that encourage you to return. These ads may also include offers we think are relevant to you based on your shopping habits or online activities, and they may be served on websites or applications. We may serve these ads, or third party advertisers and ad networks may serve you these ads. Many of these third parties have opt-out mechanisms for their ad cookies. For more information about your choices, please see and visit: http://www.aboutads.info/choices/ and http://youradchoices.ca/choices/.
How We Use Your Information
In addition to using your information for purposes of facilitating your use of the Service and to assist us in improving the Service, we use your information for the following purposes:
- validating your identity to use the Service;
- creating and maintaining a unique user account for you to use the Service;
- communicating with you;
- providing you with information on offers that may be of interest to you on behalf of Merchants;
- establishing whether Offer Related Purchases were made;
- to assign Member incentives as a result of an Offer Related Purchase;
- measure the results of Merchant offers and marketing campaigns not conducted by us across external communication channels;
- create new Paymi.com services;
- processing transactions that you have submitted, such as claiming your cash rewards through Interac e-transfer;
- displaying your account history to you;
- preventing and prosecuting fraud, any unlawful activity, or any misuse of the Service; and
- meeting legal, regulatory, insurance, and security requirements.
Disclosure of Your Information
There are certain situations where we may disclose your Personal Information, such as:
- when appropriate to prevent, limit, or otherwise prosecute fraud, any unlawful activity, or any misuse of the Service to our Merchants, Marketing Partners or other third parties;
- when we are required or authorized by law to do so (e.g., if a court issues a subpoena);
- when you have consented to the disclosure;
- when the Services we are providing to you require us to give your information to a third-party service provider (for more information please see “Location of Information and Service Providers” below);
- when you have subscribed to a marketing program with our Marketing Partner, to keep you updated on your Paymi.com account and provide you with special offers;
- when it is necessary to establish or collect amounts owed to us; and
- when necessary to meet legal, regulatory, insurance, audit, and security requirements.
Location of Information and Service Providers
We endeavour to store, access, and use Personal Information in Canada. However, unless there is a legal or regulatory requirement to keep such information in Canada, Personal Information may also be stored, accessed, or used outside of Canada. For instance, we use the services of various third party companies and contractors ("Service Providers") in the conduct of our business and in order to provide our Services to you. These Service Providers provide us with payment processing services, information technology services for our software applications, marketing and survey services, and other essential services. These Service Providers may, from time to time, collect, use, store, disclose, and process Personal Information on our behalf only as necessary to provide services to us. These Service Providers may be located in different locations and as such, your Personal Information may be stored, processed, or transferred into or out of various countries. We take all reasonable measures and precautions to protect your Personal Information when it is being handled by our Service Providers.
When we engage a Service Provider outside of Canada, Personal Information may be stored, accessed or used in any country where the Service Provider is located, or from which it provides services. Where Personal Information is located outside of Canada, it is subject to the laws of that jurisdiction.
If you wish to obtain more information on our use of Service Providers and our policies and practices regarding such Service Providers, please contact us as at firstname.lastname@example.org.
We may use and disclose your Personal Information in connection with the proposed or actual financing, sale, or other business transaction involving part or all of our business or assets. Such use and disclosure would be for the purpose of allowing third parties to determine whether to proceed with the proposed transaction, and if the transaction proceeds, for the purpose of completing the transaction. Assignees or successors to our business or assets may use and disclose your Personal Information for the purposes described in this policy. You will be notified via email or a prominent notice on our web site of any change in ownership or uses of your Personal Information, as well as any choices you may have regarding your Personal Information.
From time to time, we may conduct surveys via Paymi.com. If you choose to participate, we use your response to come up with the survey results and, sometimes, to publish those results in aggregate on Paymi.com. We will never permanently record or report any response you give on its own or connect it to your name or address. We will hold these responses only as anonymous statistics.
Paymi.com may offer publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your Personal Information from our blog or community forum, contact us at email@example.com. In some cases, we may not be able to remove your Personal Information, in which case we will let you know if we are unable to do so and why.
Linking to Other Websites
How You Can Decide What Communication You'll Receive From Us
Paymi.com may periodically send you email messages relating to your account, describing updates, new features, or promotional offers (if you have opted-in to receive them) related to the Services. You can choose to stop receiving certain promotional emails at any time. Simply follow the instructions included in your email, or send a request to stop to firstname.lastname@example.org.
As described in this Policy, we collect, use and disclose your Personal Information to allow us to provide you the best Merchant offers possible. Please note that if you, as a Member, have also separately opted-in to receive Merchant communications such as newsletters or other promotional offers from a retailer (“Merchant Communications”), opting-out of receiving Paymi.com communications does not mean that you have opted out of receiving Merchant Communications.
How to Access, Update or Correct Your Personal Information
To access, modify or delete your Personal Information, simply follow the instructions included on Paymi.com, or you may also send an email to email@example.com for us to delete your Personal Information in a reasonable time after receiving the request.
Subject to any exceptions prescribed by law, you can access and correct your Personal Information and challenge the accuracy and completeness of the information we have about you. We may deny access when required or authorized by law. For example, we may deny access when granting access would have an unreasonable impact on other people’s privacy or when necessary to protect our confidential commercial information and the requested information cannot be severed from the balance of the record in which it is contained. If we deny your request for access to, or refuse a request to correct information, we shall explain why.
How We Protect the Security of Your Personal Information
The security of your Personal Information is very important to us and we are committed to protecting the information we collect. However, we cannot take responsibility for theft, misuse, unauthorized disclosure, loss, alteration or destruction of data by a third party (such as a hacker). The Company has security measures in place at its physical facilities to protect against the loss, misuse, or alteration of information that we have collected from you through our Services.
By providing us with Personal Information, you consent to our collection, use, and disclosure of such information for the purposes identified in this Policy or otherwise at the time of collection. You may withdraw your consent to our collection, use, or disclosure at any time, provided that if you withdraw your consent to certain uses, we may no longer be able to provide Services to you.
Paymi.com and our Services are not intended to solicit information of any kind from individuals under the majority in their jurisdiction of residence (“Minors”) without the required consent from their parents/guardians. If we become aware of any information we possess that may belong to a Minor, we will immediately obtain parental consent to delete this information from our servers. If you are a parent/guardian and you suspect that your child may have submitted personal information to us, please contact us at firstname.lastname@example.org.
We will retain your Personal Information for as long as you are a Member, as needed to provide you Services, or as required by law. If you wish to cancel your Paymi.com account or request that we no longer use your information to provide you Services, contact us at email@example.com. We may retain and use your Personal Information after closure of your account as necessary to meet legal, regulatory, insurance, and audit requirements.
Changes to the Policy
Opting In & Out of Messages
You have the option of receiving periodic Site or Services related alerts, weekly summaries, notifications, newsletters, promotions, or other information via email. You may choose to sign- up or stop receiving alerts, summaries, newsletters and promotions by indicating your preference in your account profile or settings. You may also follow the unsubscribe instructions in the emails you receive. Please note that certain Service-related messages that we send are necessary for the proper functioning and use of the Services and you may not have the ability to opt-out of those messages.
Please note that whenever you submit any information to us in connection with any Services, you consent to us processing this information as necessary to provide the Services in which you are participating.