Your Privacy Matters

Introduction

Paydex ("Paydex", "we", "our", "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, store, and protect your personal information in accordance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By accessing and using Paydex.ca, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.

1. Scope of Application

This Privacy Policy applies to:

• All users and visitors of Paydex.ca
• All personal information collected through the website
• All processing activities conducted in Canada or concerning Canadian residents

Paydex.ca is operated from Canada and serves Canadian residents.

2. Definition of Personal Information

Personal information means any information about an identifiable individual, as defined under Canadian privacy legislation. This includes information that can directly or indirectly identify you.

3. Information We Collect

3.1 Information You Provide

We may collect the following information when you voluntarily provide it:

• • Name (if provided)
• • Email address (if provided)
• • Message content submitted through contact forms
• • Usage preferences (if applicable)

3.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• • IP address
• • Device type and browser information
• • Operating system
• • Date, time, and duration of visit
• • Pages viewed and interactions with calculators

3.3 Financial Calculator Data

4. Purpose of Collection

Personal information is collected only for the following purposes:

• • To provide and operate financial calculation tools
• • To respond to inquiries and communications
• • To ensure website security and prevent abuse
• • To improve functionality and user experience
• • To comply with legal and regulatory obligations

No secondary use incompatible with these purposes is authorized.

5. Consent

5.1 General Consent

By using Paydex.ca, you consent to the collection and use of personal information in accordance with this Privacy Policy.

5.2 Express Consent

Express consent is required when mandated by law, including for:

• • Non-essential cookies
• • Optional features involving information collection

Consent may be withdrawn at any time, subject to applicable legal obligations.

6. Cookies

Paydex.ca uses:

• • Essential cookies necessary for website functionality
• • Analytics cookies (where applicable) to improve the website

Cookies:

• • Do not collect sensitive information
• • Can be disabled through browser settings

A consent management mechanism is implemented when required.

7. Third-Party Service Providers

We may engage third-party service providers for:

• • Website hosting
• • Analytics services
• • IT security

All service providers:

• • Are bound by confidentiality agreements
• • Use information only for intended purposes
• • Provide a level of protection equivalent to Canadian privacy laws

8. Security Measures

Paydex.ca implements reasonable administrative, technical, and physical security measures to protect personal information against:

• • Unauthorized access
• • Loss
• • Theft
• • Unauthorized disclosure or use

9. Information Retention

Personal information is retained:

• • Only for the duration necessary for intended purposes
• • In accordance with applicable legal obligations

Once the purpose is fulfilled, information is securely destroyed or anonymized.

10. Your Rights

Under Canadian privacy law, you have the following rights:

• Right to access your personal information
• Right to correction
• Right to withdraw consent
• Right to file a complaint with the Privacy Commissioner of Canada

11. Privacy Officer

A Privacy Officer has been designated to oversee compliance with this Privacy Policy and Canadian privacy laws.

For privacy-related inquiries, please contact us at: privacy@paydex.ca

12. Changes to This Policy

Paydex.ca reserves the right to modify this Privacy Policy at any time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.