Updated: Jul 16, 2019
At XapCard Inc. (the “Company”, “we”, “us”, “our”), the privacy of its users, consumers, clients, service providers, distributors, retailers, suppliers and other individuals (“you”, “your”) is a top priority. Your privacy is at the core of the way we design and build the services and products we provide to you. We appreciate that you put your trust in us when you provide us with your personal information and we do not take this lightly.
We do not compromise with your privacy. We design all of our products and services with your privacy in mind. We strive to be transparent in the way we process your data. We work hard to keep your information secure. We have teams dedicated to keeping your data safe and secure. We constantly update our security practices and invest in our security efforts to enhance the safety of your personal information.
Collection of Your Personal Information
We are the controller and the responsible party for your personal information. We may collect personal information in connection with your use of the Platform or with your use or purchase of the Company’s products and services, which may include personal information provided in connection with your use of the Platform.
When you use our Platform, we collect information about which features you’ve used, how you’ve used them and the devices you use to access our Platform. The personal information that we may collect may include:
We may collect personal information even when you are not using the Platform. We may combine personal and non-personal information about you collected by us or by our affiliates, retailers, distributors and other third parties with whom we have a relationship, and we may combine this information with information from external sources.
In obtaining your consent to collect, use, maintain, retain, transfer and disclose your personal information we will use reasonable efforts to inform you of the purpose for which personal information will be collected, used, maintained, retained, transferred or disclosed. The form of consent may vary depending on the circumstances and type of information disclosed. We will take into account the sensitivity of the personal information and your reasonable expectations when determining the appropriate form of consent.
You may voluntarily submit personal information to us for purposes such as asking a question, obtaining information, reviewing or downloading a publication, registering for an account, purchasing a product or service, creating a XapCard, reviewing a product or service provided by the Company or by another user of the Platform, receiving a review of your product or service from another user of the Platform, subscribing to a newsletter or a mail or e-mail list and participating in contests and surveys. If you are a registered user on the Platform, we may combine and store personal information about your use of the Platform and information you have provided to us with certain other online and offline information we may have collected.
We may send you marketing or promotional e-mail communications. In this process, we may collect certain information such as the date and time you first opened our e-mail communications, the number of times you open our e-mail communications, the number of instances you click through our articles and your total click-through activity on the contents of our e-mail communications. We may also combine and store any such information to manage and improve our e-mail communications. If you no longer wish to receive any future marketing or promotional material from us, our promotional e-mail communications will include instructions on how to unsubscribe and inform us of your preferences.
There are different types of cookies including:
When you use our Platform, some or all of the following types of cookies may be set on your device:
Unless you specifically inform us (for instance, by sending us correspondence from the Platform), we will not know who you are. You can reset your browser either to notify you when you receive a cookie or refuse to accept cookies. If you refuse to accept cookies, you may not be able to use some of the features available on the Platform.
We would like to provide you with some information about controlling your cookie settings. Some web browsers allow you to control or reject cookies or to alert you when a cookie is placed on your computer. Please review the specific steps involved for such settings in your particular browser help menu as each browser uses different procedures. You also may be able to reset device identifiers by activating the appropriate setting on your device. The procedure for managing device identifiers is slightly different for each device so please review the specific steps in the help or settings menu of your particular device. With respect to interest-based advertising tools, you may opt out of seeing online interest-based advertising from participating companies by using the following applications: (a) the Digital Advertising Alliance; (b) the Interactive Digital Advertising Alliance; or (c) Appchoices. Please note that opting out does not mean you will not see any advertisements; it only means that you won’t see personalized advertisements from the companies that participate in the opt-out programs. Lastly, if you delete cookies on your device after you opted out, you will need to opt-out again.
Third Party Websites
We may also include links to other websites on the Platform or in our e-mail communications. These third-party websites may collect your personal information and they may have different privacy policies and practices than us. We do not assume any responsibility for the privacy practices, policies or actions of the third parties operating these third-party websites. We strongly encourage you to read the privacy policies of these websites to enable you to make an informed decision whether or not to provide your personal information to these websites’ operators.
We may disclose your personal information to Stripe, Inc., Google LLC, Facebook, Inc., Zendesk Inc., Apple Inc. and their respective affiliates to:
Please review the privacy policies of Stripe, Inc., Google LLC, Facebook, Inc., Zendesk Inc. and Apple Inc. as they may have different policies and practices than us. We do not assume any responsibility for the privacy practices, policies or actions of the operators of Stripe, Inc., Google LLC, Facebook, Inc., Zendesk Inc. and Apple Inc.
Protection of Your Personal Information
To: (a) prevent unauthorized access to, or disclosure of, personal information; (b) maintain data accuracy; and (c) facilitate the appropriate use of your personal information; we use physical, technological and administrative procedures to protect your personal information that we collect from loss, unauthorized access, modification, unauthorized disclosure or other misuse. Nevertheless, internet or wireless transmissions are never completely private or secure. You understand that any messages, content or information you send or submit through the Platform may be read or intercepted by others. If you have any questions about the security of your personal information collected by us, please contact the Company’s Privacy Officer at the address below.
Use of Your Personal Information
Once we collect your personal information, we may use such personal information internally, separately or in combination with any pre-existing information for the following purposes:
To process your information as described above, we rely on the following legal bases:
Disclosure of Your Personal Information
Occasionally, we may disclose your personal information to:
In certain situations, we may use, maintain, retain, transfer or disclose your personal information without your knowledge or consent (as permitted or required by law). These circumstances may be:
Retention of Your Personal Information
After we have collected your personal information, we may retain a record of your personal information (including correspondence or comments). We will continue to use, maintain, transfer, disclose or retain your personal information for as long as necessary to fulfill the purposes for which it was collected and as required or permitted by law. However, we will take reasonable steps to destroy or permanently de-identify personal information we hold if it is no longer needed for our business purposes.
Cross-border Data Transfers
Sharing your personal information sometimes involves cross-border data transfers, for instance to the United States of America and other jurisdictions. To increase our efficiency, we use password-protected electronic file storage on cloud servers based outside of Canada, in countries where laws regarding collection, use, maintenance, transfer and disclosure of personal information may be less stringent than the laws in Canada. We do not assume any responsibility for the privacy practices, policies or actions of such cloud server providers or of any governmental authority of the country in which such cloud servers are based.
Control of, Access to, and Correction of, Your Personal Information
You may request a copy of the personal information which you have provided to us by advising our Company’s Privacy Officer at the address provided below. If you have any questions or enquiries relating to our privacy practices or procedures, or if you believe that the personal information that the Company holds about you is not accurate, complete or up-to-date, you may write to the Company’s Privacy Officer at the address provided below. If you are able to establish that the information is not accurate, complete or up to date, we will take reasonable steps to correct the information so that it is accurate, complete and up-to-date. We may ask you to provide proof of identity before we can answer the above requests.
Questions or Comments