Privacy Policy
1. Data Collected
We collect the following information in the course of providing our services:
- Identification information: name, email address, unique identifier
- Financial data: information about your credit cards (type, rewards, due dates — never full card numbers)
- Simulated or imported transaction data within the application
- Browsing and application usage data (logs, preferences)
2. Use of Data
Your data is used exclusively to:
- Provide AI recommendations for optimal card selection
- Improve your experience in the OptiPay application
- Send you account-related communications (with your consent)
- Comply with our legal and regulatory obligations
3. Protection and Security
OptiPay implements rigorous technical and organizational security measures:
- Data encryption in transit (TLS 1.3) and at rest
- Restricted access to personal data based on the principle of least privilege
- No real bank card numbers are stored on our servers
- Regular security audits
4. Data Sharing
We never sell your data to third parties. We may share certain information with service providers (hosting, authentication) strictly within the scope of our contractual obligations and in compliance with privacy requirements.
5. Data Retention
Your data is retained for the duration of your use of our services, plus a period of 12 months after your account is closed, in accordance with applicable legal obligations.
6. Your Rights
In accordance with applicable laws (Law 25 in Quebec, PIPEDA in Canada), you have the following rights:
- Right of access to your personal data
- Right to correction of inaccurate information
- Right to deletion of your account and data
- Right to data portability
- Right to withdraw your consent at any time
7. Cookies and Similar Technologies
Our website uses cookies essential for technical operation. We do not use advertising or third-party tracking cookies without your explicit consent.
8. Contact
For any questions regarding your personal data or to exercise your rights, contact us at: privacy@optipay.ca