Privacy Policy

Last Updated: August 19, 2025

Introduction

At FINEMCA ("we," "us," "our"), we are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect the personal information of our customers, partners, and website visitors in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Canadian privacy laws.

By using our services or accessing our website www.finemca.com (the "Site"), you agree to the terms of this Privacy Policy.

1. Accountability

FINEMCA has appointed a Privacy/Compliance Officer responsible for ensuring compliance with PIPEDA and other relevant privacy laws. If you have any questions or concerns about our privacy practices, you may contact our Privacy/Compliance Officer using the contact information provided at the end of this policy.

2. Collection of Personal Information

We collect personal information necessary to provide our services effectively and to comply with legal requirements. The types of personal information we may collect include:

  • Identification Information: Name, address, date of birth, government-issued identification (e.g., passport, driver’s license).
  • Contact Information: Email address, phone number, mailing address
  • Financial Information: Bank account details, transaction history, payment information.
  • Usage Data: Information about your interaction with our Site, including IP address, browser type, and browsing activity.
  • Communication Data: Records of your communications with us, including customer service inquiries.

3. Purposes for Collecting Personal Information

FINEMCA collects, uses, and discloses personal information only for purposes that a reasonable person would consider appropriate in the circumstances. These purposes include:

  • Providing Services: To process transactions, verify your identity, and manage your account.
  • Compliance: To meet legal obligations, including anti-money laundering (AML) and anti-terrorist financing regulations.
  • Communication: To respond to your inquiries, send notifications, and provide customer support.
  • Improvement: To enhance our services, including through data analysis and monitoring of Site usage.
  • Marketing: To send you promotional materials, newsletters, and offers, subject to your consent.

4. Consent

Your knowledge and consent are required for the collection, use, or disclosure of your personal information, except where inappropriate. We obtain your consent through various means, such as during account registration, when you voluntarily provide information, or when you engage with our services. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice.

5. Disclosure of Personal Information

We may disclose your personal information in the following circumstances:

  • Service Providers: To third parties who assist us in delivering our services, such as payment processors, IT providers, and compliance consultants. These service providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.
  • Regulatory Authorities: To government agencies and regulators when required by law, including the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) for AML compliance.
  • Business Partners: With your consent, we may share information with partners for joint marketing efforts.
  • Legal Purposes: To protect our rights, respond to legal requests, and enforce our terms of service.

6. Safeguarding Personal Information

We employ industry-standard security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. These measures include:

  • Encryption: Data encryption during transmission and at rest.
  • Access Controls: Restricted access to personal information to authorized personnel only.
  • Security Audits: Regular audits and assessments of our security practices.

Despite these measures, please be aware that no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

7. Retention of Personal Information

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. After this period, your information will be securely destroyed, deleted, or anonymized.

8. Access to and Correction of Personal Information

You have the right to access the personal information we hold about you and to request corrections if you believe any information is inaccurate or incomplete. To make an access or correction request, please contact our Privacy/Compliance Officer using the contact information provided below. We will respond to your request within a reasonable timeframe.

9. Cross-Border Data Transfers

Your personal information may be transferred to or stored in jurisdictions outside of Canada. These jurisdictions may have different data protection laws than Canada. We take appropriate steps to ensure that your personal information is protected when transferred to foreign jurisdictions, including requiring our service providers to adhere to PIPEDA's privacy requirements.

10. Cookies and Tracking Technologies

Our Site may use cookies and similar tracking technologies to enhance your browsing experience and analyze usage. You can control your cookie preferences through your browser settings. However, disabling cookies may affect your ability to use certain features of the Site.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any significant changes will be posted on our Site with the "Last Updated" date. We encourage you to review this policy periodically to stay informed about how we protect your personal information.

12. Complaints and Inquiries

If you have any questions, concerns, or complaints regarding our privacy practices or this Privacy Policy, please contact our Privacy/Compliance Officer at:

Privacy/Compliance Officer
FINEMCA
1010 Saint-Catherine West, Suite 200, Montreal, Quebec H3B-5L1.
support@finemca.com
+1-514-927-1658 or +1-438-801-0245

If you are not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada.