Privacy Policy
This Privacy Policy explains how VAY FINANCE INC., operating as "VayFinance" ("we", "us", "our"), collects, uses, discloses and protects personal information in connection with our cryptocurrency exchange services at vayfinance.com.
1. Who we are
VAY FINANCE INC. is registered in Ontario, Canada, with its principal place of business at 94 Lakeshore Road East, Unit 203, Mississauga, Ontario, L5G 1E3, Canada.
2. Information we collect
- Identity information: full name, date of birth, government-issued identification documents and photographs used to verify your identity.
- Contact information: email address, phone number, mailing address.
- Financial and transaction information: bank account and payment details, order history, wallet addresses, and transaction records.
- Technical information: IP address, device and browser information, and usage data collected through cookies (see our Cookie Policy).
- Communications: messages you send us through the contact form, email, or support channels.
3. How we use your information
We use personal information to: create and manage your account; verify your identity and screen transactions as required by Canadian anti-money laundering (AML) law; process orders and payments; communicate with you about your account and orders; detect and prevent fraud; comply with legal and regulatory obligations; and improve our services.
4. Legal basis for processing
We process personal information where necessary to perform our agreement with you, to comply with legal obligations (including identity verification and record-keeping requirements), for our legitimate business interests (such as fraud prevention and service improvement), and, where required, with your consent.
5. Sharing your information
We do not sell your personal information. We may share it with:
- Identity verification and fraud-prevention providers who help us confirm who you are;
- Banks and payment processors involved in completing your orders;
- Regulators, law enforcement, and government authorities where required by law;
- Professional advisers (legal, audit, compliance) under confidentiality obligations;
- Service providers who host our infrastructure or support our operations, bound by contractual confidentiality and data protection terms.
6. International transfers
Some of our service providers may process personal information outside Canada. Where this occurs, we take reasonable steps to ensure your information continues to receive an appropriate level of protection.
7. Data retention
We retain personal and transaction information for as long as your account is active and for the period required afterward to meet our legal, accounting, and anti-money laundering record-keeping obligations.
8. Your rights
Subject to applicable law, you may request access to, correction of, or deletion of your personal information, and may withdraw consent where processing is based on consent (this may limit our ability to provide services to you). To exercise these rights, contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.
9. Security
We use administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, loss, or misuse. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
10. Children's privacy
Our services are not directed to individuals under the age of majority in their province or territory of residence, and we do not knowingly collect personal information from minors.
11. Changes to this policy
We may update this Privacy Policy from time to time. The latest version will always be available on this page.
12. Contact us
Questions about this Privacy Policy can be sent to support@vayfinance.com or by mail to VAY FINANCE INC., 94 Lakeshore Road East, Unit 203, Mississauga, Ontario, L5G 1E3, Canada.