Identity and contact details, documents needed for verification, transfer and wallet activity, and limited device or browser data needed to secure the service.
To provide transfers and wallet features, verify identity, prevent fraud, and meet legal obligations under Canadian anti-money laundering law.
Payment and card partners, gift card fulfilment partners where needed to complete a transfer, and FINTRAC or law enforcement when the law requires it. We do not sell personal data.
We keep records for as long as needed to run the service and meet statutory record-keeping rules for money services businesses, then delete or anonymise them where we can.
Under PIPEDA you may request access to or correction of your personal information. Contact info@ipaymate.com with privacy in the subject line.
We use encryption, access controls and monitoring appropriate to a financial service. No method of transmission is perfectly secure; report concerns to info@ipaymate.com.
Effective date: 10 July 2026.