Privacy Policy

Payon Global is a product of Payon Finance Inc., a company registered in Ontario, Canada, operating as a Money Services Business. This policy explains how we collect, use, disclose, and protect personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian anti-money-laundering law.

We collect only what the service and the law require:

• Account data — name, email address, and password credentials.
• Identity verification data — government-issued ID documents, a liveness selfie, and screening results (AML, politically-exposed-person, and sanctions checks), processed by our verification provider, Shufti Pro.
• Transaction data — amounts, currencies, recipients, wallet addresses, timestamps, and the ledger records of your payment account.
• Technical data — device and usage information needed to secure and operate the service.

We do not sell personal information, and we do not use it for third-party advertising.

• To open and operate your payment account.
• To meet legal obligations under Canadian anti-money-laundering law (FINTRAC) and the Retail Payment Activities Act (Bank of Canada), including identity verification, transaction monitoring, and regulatory reporting.
• To prevent fraud and secure the service.
• To communicate with you about your account.

• Shufti Pro Limited — identity verification and screening, acting as our processor.
• Financial partners — banking and payment rails used to move your funds, and our digital-asset execution partner for USDC conversions.
• Regulators and law enforcement — where reporting or disclosure is required by law (for example, FINTRAC reporting obligations).

Canadian anti-money-laundering law requires us to retain client identification records, transaction records, and related audit logs for a minimum of five years. We retain personal information no longer than necessary for the purposes above and our legal obligations.

We use strictly necessary cookies to keep you signed in to your account, to remember your language, and to remember your cookie choice. We do not use third-party advertising or cross-site tracking cookies.

Subject to legal retention requirements, you may request access to or correction of your personal information, and you may withdraw consent where the law allows. Contact our Privacy Officer at hello@payon.global. You may also complain to the Office of the Privacy Commissioner of Canada.

Client funds are held in a segregated trust account, separate from Payon Finance Inc.'s operating funds. Personal data is protected with encryption in transit, access controls, and an immutable audit trail.