Privacy Policy

1. Who We Are

Encore Payment Technologies Ltd., formerly known as B-Liquid Cryptos Ltd., operating as Paiisay, is a Money Services Business (MSB) registered with FINTRAC (Registration No. M23402268). Our registered address is 5577 153A Street, Suite 207, Surrey, BC, Canada V3S 5K7.

We are the data controller responsible for your personal information collected through our website and services.

2. Information We Collect

We collect personal information that is necessary to provide our money transfer and payment services, including:

• Identity information: Full name, date of birth, government-issued ID details
• Contact information: Email address, phone number, mailing address
• Financial information: Bank account details, transaction history, source of funds
• Device and usage data: IP address, browser type, pages visited, and interaction data collected via cookies and similar technologies
• Communications: Records of correspondence with our support team

We collect only the minimum information required for the stated purpose and in accordance with our FINTRAC obligations.

3. How We Use Your Information

Your personal information is used to:

• Verify your identity and comply with AML/KYC obligations under FINTRAC regulations
• Process and complete your money transfer or payment transactions
• Communicate with you about your account, transactions, and our services
• Detect, prevent, and investigate fraudulent or illegal activity
• Comply with applicable laws, regulations, and legal processes
• Improve our products, services, and user experience
• Send you updates, promotional offers, and service announcements (where you have consented)

4. Legal Basis for Processing (PIPEDA)

Under the Personal Information Protection and Electronic Documents Act (PIPEDA), we process your personal information on the following grounds:

• Consent: You have provided express or implied consent for us to collect and use your personal information for the stated purposes.
• Legal obligation: Processing is required to comply with FINTRAC regulations, anti-money laundering laws, and other applicable Canadian legal requirements.
• Contractual necessity: Processing is necessary to perform the services you have requested from us.

5. Sharing Your Information

We do not sell your personal information. We may share your information with:

• FINTRAC and regulatory authorities as required by law
• Correspondent banks and payment networks necessary to complete your transactions
• Identity verification providers for KYC compliance
• Technology service providers who assist in operating our platform, under confidentiality obligations
• Law enforcement when required by a valid legal order

Any third parties with whom we share data are required to handle it in accordance with applicable privacy laws and our data protection standards.

6. International Data Transfers

As a cross-border payments provider, processing your transactions may involve transferring your data to service providers located outside of Canada. When we transfer personal information internationally, we take appropriate steps to ensure it receives equivalent protection, including contractual safeguards.

7. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with our legal obligations. Under FINTRAC regulations, transaction records and KYC documentation must be retained for a minimum of five (5) years following the date of the transaction or end of the business relationship.

8. Your Rights Under PIPEDA

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw consent for processing where consent is the legal basis (subject to legal and contractual limitations)
• File a complaint with the Office of the Privacy Commissioner of Canada (OPC) if you believe your privacy rights have been violated

To exercise your rights, contact us at privacy@paiisay.com.

9. Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and analyse site usage. You may configure your browser to refuse cookies, though this may affect the functionality of our services.

10. Security

We implement bank-grade technical and organisational security measures, including encryption, access controls, and continuous monitoring, to protect your personal information against unauthorised access, disclosure, alteration, or destruction.

11. Contact Our Privacy Officer

For any privacy-related questions, requests, or concerns, please contact our Privacy Officer at:

Encore Payment Technologies Ltd.
5577 153A Street, Suite 207, Surrey, BC, Canada V3S 5K7
Email: privacy@paiisay.com