Privacy Policy

This Privacy policy tells you how we handle the information we obtain from you when you use our mobile apps.

What Information do we collect?

We may collect the following information from you or your device as you use the mobile app: information you input into the app (name, email, phone number), transactional data (made using the payment wearable), geolocation (if enabled on your device), IP address, other device-related information such as the make and model of your device, its operating system and the date and time of your use.

How we use this Information

We may use this information to facilitate the operation of our apps, to help us understand how our users use the app, for our reporting and analytics, authentication, and security (including fraud prevention).

We may disclose your information to our service providers and partners who assist us in providing mobile app services to you. These service providers and partners may be in Canada or other jurisdictions and may access, use, or disclose your information to meet legal or regulatory obligations, including responding to requests from government, regulators, courts and law enforcement authorities, in those jurisdictions.

Please note the ability to collect certain personal information is controlled by your device. For example, your device may control the ability to disclose your device’s geolocation or provide access to your contacts, photos and/or camera. Please refer to the documentation for your device regarding how to allow or block the collection of location or certain device information. If you choose not to provide location or certain device information, some services you request may not operate effectively.

Why we collect this Information

The following table lists the type of information we collect and why:

Information we collect

Transactional data and other information you provide through the app or you have allowed the app to obtain.

Geolocation: If allowed, the estimated physical location of your device.

IP Address: A unique numerical label that identifies your device and allows it to communicate over a computer network.

Other Device-related information:

  • Device ID: A unique number that identifies your device.
  • Mobile phone number.
  • Make and model of your device.
  • Operating system of your device.
  • Date and time of your use of the mobile app.

Why we collect this information

We collect your transaction and other information to provide you with services through our apps.

We may need to know your location for security purposes and fraud prevention when you add a card to your wearable device

We use your IP address for following purposes:

  • Communicating with your device
  • Providing you with services
  • Identifying your jurisdiction for legal and regulatory purposes
  • Authentication and security (including fraud prevention)

We use this information to:

  • Identify and communicate with your device (e.g., send push notifications)
  • Add payment card to your wearable device (e.g., payment network requirements for Visa, Mastercard)
  • Authenticate you and your device.
  • Perform analytics.
  • Prevent fraud.
  • Determine the eligibility of your device.

 

App permissions

When you download the application on your mobile device, depending on your OS and software version, you will be asked to accept some permissions either the first time you download the app, or at the time you access specific features within the app. The following chart lists the permissions requested by our mobile app and why we need to access those features:

Permission

Why we need to access this feature

Location

We may need to know your location for security purposes and fraud prevention when you add a card to your wearable device.

Camera

We may require camera access, to populate information relevant to certain actions (e.g., scan and populate the payment card number when adding a card to your wearable device ).

Notifications

We would require permission to send notifications on your mobile device to inform you about the virtual card/token life cycle events and payment transaction notifications when you pay with your wearable device.

Bluetooth

We would require access to Bluetooth to connect and communicate with the wearable device when you are adding a card to your wearable device.