This Privacy Policy applies to personal information Lean Payments, located at 102-420 Wes Graham Way, Waterloo, N2L 0J6, Ontario, Canada, collects through this website leanpayments.com. Below are highlights of our personal information handling practices.
In this Privacy Policy, the terms "we", "our" and "us" mean Lean Payments.
By using and navigating our website and services offered by us, you acknowledge that you have read, understand, and agree to be bound by this Privacy Policy. You should not provide us with any of your information if you do not agree with the terms of this Privacy Policy.
This Privacy Policy is effective as of May 28, 2021. We may change this Privacy Policy at any time. Any changes we make to our Privacy Policy will be effective on the date the revised Privacy Policy is posted. Your use of our services following the Privacy Policy changes means that you have accepted the revised Privacy Policy.
Personally identifiable information is collected once you use the services provided by us. You are considered an “Application User” and to be able to use our money movement services, we require to collect personal information from you and our financial partners.
• Personal information is information that identifies you or could be combined by us or our service providers and affiliates with other information to identify you. This information includes your email address, your full name, your business legal name, your business number, your business address, your image, and may include your age, your financial account information, your financial transactions and statements based on your use of our service and other similar information when associated with you. All financial statements of services proceeded on our affiliates platform is also Personal information that is collected.
• Personal information may also include the financial details and data relating to the recipient’s payment history and bank account details obtained for the purposes of the services. Personal information may also be information containing details as to whether you have opened our promotional emails or how you have used our website, if we can associate that personal information with you.
We collect personal information from you when you create an account, use our services, communicate with us using our web forms to make a request or ask a question, submit a review, take a survey or otherwise submit personal information to us with your communication.For example, we will request identifying information to process a Pre Authorized Debit (PAD) transaction when you decide to deposit money into your account.
We receive personal information about you from other sources. For example, we will receive information from FLINKS regarding your Bank Account details and to ensure your ownership of the provided accounts.
We use your information to provide products and services and to manage our business operations. Some examples include:
(a) to register your account;
(b) to authenticate you when you log into your account;
(c) to fulfill your requests for services;
(d) to communicate with you about your requests;
(e) to administer promotions that you participate in;
(f) to recommend or to offer you other products and services based on your inferred interests;
(g) to post your reviews;
(h) to communicate with you regarding customer service issues and any product recalls or warranty service; and
(i) to protect the security or integrity of our websites and our business.
We retain your information for as long as necessary to fulfill the purposes for which we collected the information or as required by law. We maintain a records retention and destruction program to destroy information when it is no longer needed or required.
We also automatically collect information when you visit our website in order to customize your experience. For example, we collect information about what site referred you to our website, your browser type, operating system type and version, language, and your Internet Protocol ("IP") address. We also collect information about how you browse through our website, including logging the pages you visit and the amount of time you spend on certain pages. We use this information for a number of technical purposes to ensure that our pages load correctly in your browser, as well as to personalize our offers to you. We also use this information to improve our website. For example:
(a) we use IP addresses to correct pages for your geographical location;
(b) we log the frequency of visits to certain pages on our website and how visitors navigate through our website in order to detect problems, improve our website and learn about what services are of interest to our customers;
(c) we use information about services that you have clicked on to make suggestions about other services that you might be interested in viewing; and
(d) we track whether certain types of promotional emails were opened by you and whether you sought information about a particular service in order to make inferences about other services you might be interested in.
Our website uses tracking technologies, small pixel files (small images) and cookies (small text files) to keep track of your browser so that you will be recognized when you visit other websites where our third-party ad management providers may show you advertisements from us based on your visit to our website. Some of these advertisements may be customized to particular products and services that you viewed or they may be based on inferences about products and services that you might be interested in. This is called "interest-based advertising".
These pixel files and cookies are generally valid for a limited number of days (usually no more than 90 days) and are provided by our ad management providers.
Please note that if you opt-out of interest-based advertising you may still see advertisements from us on other websites. However, they will not be customized based on your browsing history on our website. In addition, we will continue to customize our offers of products and services to you when you are on our website unless you block cookies from our website. If you block cookies on our website, certain functions will not function properly.
Our website and the services offered on our website are not directed to children under the age of 18 years. We will not knowingly collect personal information about a child under the age of 18.
We do not allow minors (persons who are under the age of majority in their place of residence) to create accounts and use our services.
We must share your personal information with our service providers and our corporate affiliates that help us with our business operations. For example, we will share information with our financial partners or third party service providers to facilitate transactions. We may also share information with service providers who provide us with marketing and promotional services. We require our service providers to keep your personal information secure. In addition, our service providers may not use or disclose personal information for any purpose other than providing the services on our behalf unless we or they have obtained your consent.
We may transfer any information we have about you in connection with a merger or sale (including transfers made as part of insolvency or bankruptcy proceedings) involving all or part of our business or as part of a corporate reorganization or stock sale or other change in corporate control.
We may also disclose your personal information if it is necessary for us to collect a debt from you or where we have reason to believe that it is relevant to the investigation or decision to investigate a breach of the laws of Canada, a province or territory of Canada, or a foreign jurisdiction, and we are legally permitted to do so.
We will disclose personal information without your knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator or other person with jurisdiction to compel disclosure of your personal information. If we receive a written request from a police officer or other law enforcement agency with authority to request access to your personal information in the course of an actual or potential investigation into a breach of a law, our policy is to provide the requested information.
Your personal information may be used or stored by us or our service providers outside of Canada. We require that our service providers safeguard your personal information. However, if your personal information is used or stored outside of Canada, it will also be subject to the laws of the country in which it is used or stored.
If you register for an account, you will have to choose to receive advertising emails and communications from us. You can unsubscribe anytime by clicking on the unsubscribe link in the e-mails received.
You may also choose "close my account" at any time.
If you do not re-activate your account within 3 months, we will permanently delete your account. You may also contact us by email at support@leanpayments.com to make a deletion request.
Please note that we still maintain information that you provided to us for audit purposes or to comply with our legal obligations. We may also de-identify your information in order to continue to use it for research and analytics purposes to understand our business, to make product improvements and to make available to third parties. We prohibit our employees and third parties from attempting to re-identify information that we have de-identified.
If you have an account, log in to access and to modify the personal information stored with your account. If you have questions or concerns about other personal information collected by us and would like assistance accessing that information, please contact us at support@leanpayments.com.
You have the following rights to the personal information we collect about you:
(a) Right to portability of personal data: you have the right to request for a copy of the personal data you consented for us to collect. If requested we ensure a copy of your personal data held by our website to be transferred to you in a safe and secure way.
(b) Right of objecting to processing: you have the right to object to personal data processing for the purposes of direct marketing. In this circumstance we will stop processing all personal data unless we have a strong and legitimate reason to continue using your data.
(c) Right of withdrawal consent: you have the right to withdraw your consent to us processing your personal data at any time.
(d) Right of Data Correction: you have the right to request for your personal data to be corrected if inaccurate.
(e) Right to be forgotten: you have the right to request for erasure in the event you would like us to delete the data we have collected about you.
We are required to retain certain information for recordkeeping purposes to comply with our obligations under applicable laws and regulations, including but not limited to our anti-money laundering obligations, and/or to complete any transactions that began prior to requesting a change or deletion.
We take administrative, technical and physical measures to safeguard your personal information against unauthorized access, unauthorized disclosure, theft and misuse. This includes limiting access of employees to, and the use of, your personal information through the use of passwords and graduated levels of clearance.
We do not publish all of our security measures online because this may reduce their effectiveness. We educate our employees with respect to their obligations to protect your personal information and we require our affiliates and any third-party service providers to take comparable steps to ensure the protection of any of your personal information that is shared with them.
Although we take precautions against possible breaches of our security systems, no company can fully eliminate the risks of unauthorized access to your personal information and no website is completely secure. We cannot guarantee that unauthorized access, hacking, data loss or breaches of our security systems will never occur.
You may be able to access third-party websites through links available on our websites. These links are provided for your convenience. We do not have any control over those third-party websites and we do not provide any guarantee that the privacy practices of the hosts of those websites meet our standards. Your use of such third-party websites is at your own risk and will be governed by the privacy policies of those websites and not by this Privacy Policy. Do not transmit personal information using those websites without reading the privacy policies governing those websites.
You may create links between our website and social networking sites. If you do so, we may be able to publish updates about our products and services to your social network account through the links that you establish. You may terminate those links at any time by modifying your social network account.
If you are logged into a social networking site when visiting our page, your visit to our website will be personalized based on your social networking profile.
You may change the way social networking sites and our sites interact by modifying your privacy settings in your social networking account. You can also log-out of your social networking account before visiting our website. For more information, please refer to your social networking site's privacy policy, which governs your use of these social plug-in features.
This Privacy Policy is governed by the laws of Canada and applicable provincial laws. By submitting personal information to us, you understand that your personal information will be subject to the laws of Canada and applicable provincial laws
If you have a privacy question or concern, please contact us at support@leanpayments.com or by mail at: 102-420 Wes Graham Way, Waterloo, N2L 0J6, Ontario, Canada.
© 2021 Lean Payments Inc. All rights reserved.
Updated as of June 15, 2021