Privacy Policy

POS Circle Inc. (“ POS Circle,” “we,” “us,” or “our”) respects the privacy of individuals and businesses and is committed to protecting the personal information in our care. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information through our websites and applications (collectively referred to as the “Site” or “Sites”), by the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws in Canada.

This Privacy Policy outlines the types of information we may collect, the reasons for collecting it, how it is used, and in what circumstances it may be shared. It applies to all information collected through the Sites, including any personal information we may obtain from other lawful sources, such as public records or databases, when connected to your interaction with our services.

If you or your business has entered into a separate Service Agreement with POS Circle for payment processing or other services (“Service Agreement”), that agreement will govern how transactional and cardholder data is collected, used, and stored. In cases where the Privacy Policy and the Service Agreement overlap or conflict, the terms of the Service Agreement will take precedence for the relevant data.

Our operations and servers are located in Canada. By using the Site, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy and by Canadian privacy legislation.

By continuing to access or use our Site, you acknowledge and accept the terms of this Privacy Policy. If you do not agree with these terms, we kindly ask that you discontinue use of the Site. We reserve the right to amend this policy at any time. Any updates will be posted on this page, and in cases where changes are significant, we will provide notice and obtain your consent where required by law.

POS Circle collects two main types of information:

This includes any information about an identifiable individual or business, such as:

Full name

Email address

Mailing or business address

Telephone number

Business registration or tax number

Financial or banking details

Device identifiers or IP address (when tied to personal data)

Personal information may be collected directly from you (e.g., through form submissions, service inquiries, or support interactions) or indirectly through cookies, analytics tools, or lawful third-party sources.

This refers to data that cannot be linked back to a specific person. It may include:

Browser and device type

Operating system and screen resolution

General geographic region (e.g., province, city)

Interaction data (e.g., pages visited, time on page)

Traffic logs and error reports

Aggregated analytics

This information helps us understand how users engage with our Site and supports performance improvements and service enhancements.

At POS Circle, we collect personal information directly from you when you provide it voluntarily. This may occur when you:

Request a product or service

Submit an online application

Register for an account

Respond to a survey

Contact our customer service team

Interact with our websites, mobile applications, or digital platforms

We also gather information automatically through the use of digital tools and tracking technologies as you browse our Sites. These tools include cookies, pixel tags, web beacons, and similar technologies. For more details, see the Online Tracking section below.

In addition, we may collect information from public records, business directories, social media platforms, and other third-party sources (online or offline) to help us maintain accurate records, provide tailored experiences, and ensure our data remains up to date.

All personal information collected is handled following PIPEDA and relevant provincial privacy laws. Where applicable, we will obtain your consent before collecting or using this information.

We and our trusted service providers may use various technologies to understand how you interact with our Sites and services. This helps us improve functionality, personalize your experience, and enhance the overall performance of our platforms.

Cookies are small text files stored on your device to help us recognize you, remember preferences, and track how you navigate our Site. Through cookies, we may collect:

Your browser type

Pages visited and time spent

Interaction history with the Site

Device identifiers

Site navigation preferences

We do not use cookies to store sensitive, unencrypted personal information.

You can configure your browser to reject cookies or notify you when a cookie is set. However, disabling cookies may limit your ability to access certain features or functionalities on our Sites. Please note: cookie preferences must be adjusted for each device and browser you use.

Flash cookies store preferences and authentication data to recognize returning users and enhance service delivery. Unlike regular browser cookies, these store larger amounts of data and are not managed through standard browser settings.

Some third-party partners, including advertisers and analytics services, may also use Flash cookies to collect and store information. Disabling Flash cookies may affect the proper functioning of certain website features.

These are tiny graphics embedded in web pages, applications, or emails that collect limited data about your interaction with content. They help us:

Measure campaign performance

Monitor Site usage

Recognize repeat visits

Track email open rates and link clicks

These technologies may transmit data to us directly, to a third party on our behalf, or to another party, subject to their privacy policies.

If you use our mobile applications, we may request access to your device’s location services to offer localized services, promotions, or support. This data is only collected with your permission and can be disabled through your device settings.

We use trusted analytics services such as Google Analytics and Mixpanel to gather aggregated, anonymized data about Site usage. These tools use cookies and similar technologies to track trends, improve navigation, and enhance our understanding of user needs. This data does not identify individual visitors.

You can manage your cookie settings at any time.

Click “Enable Cookies” to allow cookies and enjoy full functionality of the Site.

Click “Disable Cookies” if you prefer limited data collection.

Please note that disabling cookies may negatively impact your browsing experience and restrict access to some features.

At POS Circle, we use the personal information we collect to enhance, personalize, and improve your experience across our websites and services. The information you provide may be used for the following purposes:

To assess and process your application for services

To meet our legal, regulatory, and contractual obligations

To meet our legal, regulatory, and contractual obligations

To provide secure access to our Sites and services

To communicate with you about your account, service updates, or new features

To notify you of changes to our policies or terms

To send you newsletters, promotional offers, service recommendations, or details of special events via email, SMS, or other methods, following Canada’s Anti-Spam Legislation (CASL)

To administer promotions, contests, and customer surveys

To improve the performance of our services, products, and operations

To detect, investigate, or prevent fraudulent activity or violations of our terms

To conduct anonymous statistical, marketing, or demographic research about our users

We will always obtain your consent before using your personal information for any new purpose not originally identified at the time of collection, unless otherwise authorized by law.

At POS Circle, confidentiality is a cornerstone of our operations. Any communication, material, or content you share with us (whether for editing, development, or consulting purposes) remains strictly confidential and will never be shared, sold, or disclosed without your explicit consent.

All intellectual property developed through our services is fully owned by you. POS Circle retains no rights, claims, or authorship to any work completed on your behalf.

Except as described in this Privacy Policy, we do not sell, rent, or disclose your personal information to any third party outside of POS Circle, its affiliates, or subsidiaries.

However, we may share your personal information with the following trusted parties:

We may disclose both personal and anonymized information to third-party service providers who assist us in delivering our services. These include providers of:

Website hosting

Payment processing and billing

Fraud detection and security

Customer support

Data analytics

Marketing and communication tools

Each provider is contractually obligated to protect your personal information and is not permitted to use it for any other purpose beyond what is required to fulfil their duties.

We collaborate with trusted banking institutions and financial service partners to deliver certain features and solutions. In some cases, your personal information may be shared with these business partners to complete transactions or offer tailored services.

While we take steps to ensure our partners follow privacy best practices, your information will be subject to their privacy policies once shared.

By CASL, you may receive offers or information about additional services via email, mail, or phone only where permitted by law and only if you’ve provided prior consent or have an existing business relationship with us.

We may disclose your personal information if required by law, court order, or legal process. Additionally, we may do so in good faith where necessary to:

Comply with legal obligations

Protect POS Circle’s legal rights, assets, or safety

Respond to urgent circumstances involving public safety

Any such disclosure will be handled with appropriate safeguards and limited to the minimum necessary information.

We may collect and share non-identifiable or anonymized information (that cannot be linked to a specific individual) to:

Analyse Site traffic and usage trends

Understand demographic profiles

Improve services, features, and user experience

This type of data does not contain personal identifiers and is not subject to the same restrictions under Canadian privacy law. However, we remain committed to ethical data practices at all times.

Protecting your personal information is a top priority at POS Circle. All information collected through our Site is stored in secure systems and controlled environments that are not accessible to the general public. We implement industry-standard safeguards, including administrative, physical, and technological measures, to protect the confidentiality and integrity of your data.

To further protect your privacy, we may request proof of identity before disclosing any personal information. In certain circumstances (such as telephone or in-person verification), we may ask for additional details like a partial tax identification number or account number to confirm your identity.

Please note: POS Circle will never request sensitive personal information—such as your full Social Insurance Number (SIN), password, or banking credentials—via email or text message. If you receive such a request, we urge you to exercise caution and report it to us immediately at [email protected]

While we take every reasonable precaution to protect personal data, no method of transmission over the internet or any digital platform can be guaranteed as 100% secure. We continually update our security protocols and tools to adapt to evolving threats and best practices.

By using POS Circle’s Site, you agree to:

Provide accurate, complete, and current information about yourself and your business

Update your registration information as necessary to keep it accurate and complete

You are solely responsible for maintaining the confidentiality of your account and password, as well as for all activity conducted through your account. If we suspect any information provided is false, misleading, or outdated, we reserve the right to suspend or terminate your access to the Site.

Our Site may contain links to websites operated by POS Circle affiliates or third-party partners. This Privacy Policy applies only to data collected through our Sites. We are not responsible for the content, policies, or data-handling practices of external sites. We encourage you to review the privacy policies of any third-party websites before submitting personal information.

POS Circle operates in Canada and adheres to applicable federal and provincial privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Québec’s Law 25, where applicable. All data handling, retention, and access practices are aligned with these laws.

While POS Circle’s services are intended for Canadian users, international visitors are welcome to use the Site. If you are located outside of Canada and choose to use our Site, please be advised that your information will be transferred to and processed on servers located in Canada. By using the Site and submitting your personal information, you consent to this transfer by this Privacy Policy and Canadian privacy laws.

We retain your personal information only for as long as reasonably necessary to fulfill the purposes outlined in this Privacy Policy or as required by applicable law. When personal data is no longer required, it is securely deleted, de-identified, or anonymized in compliance with recognized standards.

If POS Circle undergoes a corporate restructuring, merger, acquisition, or sale of assets, personal information may be transferred as part of the business transaction. We will only transfer data under applicable Canadian privacy laws, and where required, we will provide notice and, if necessary, seek consent before the transfer.

While we endeavour to ensure that any acquiring company upholds similar privacy protections, we cannot guarantee that their practices will be identical.

If you have any questions, requests, or concerns about this Privacy Policy or how your personal information is handled, you can contact us using the details below: