PRIVACY POLICY AND COOKIESLast Updated: 13 December 2024
This privacy policy (“Privacy Policy”) is designed to help you understand how
ONYX WAVE PAYMENTS LIMITED (“we”, “us”, "our" or “ONYX”) collect, use, and safeguard your data when you use our website or services.
IntroductionThis Privacy Policy applies to all personal information by which you can be identified collected through our website
http://onyxpayments.io/ (“Website”). It also covers data received through other online or offline channels, such as public databases, in connection with any applications you submit for Services.
If you or the entity you represent (“you” or “your”) have entered into a separate services agreement with us that governs transaction processing services (“Services Agreement”), that agreement will dictate the rights and responsibilities regarding Cardholder Data, Transaction-related information, and any other information gathered or submitted in connection with the transaction processing services. The terms of the Services Agreement will take precedence if there is a conflict with this Privacy Policy or any other agreement with us.
This means that if the same information is gathered both through our Website and through the transaction processing services provided under the Services Agreement, the terms of that Services Agreement will apply to how we manage and protect that information. If any part of this Privacy Policy conflicts with the terms of any Services Agreement or other agreement with us, the terms of the Services Agreement or other agreement will take precedence, as far as the law allows.
ConsentWe are committed to obtaining your meaningful consent when collecting, using, or disclosing your personal information. By using our Website, you confirm your consent with the Privacy Policy. If you do not agree with the terms of this Privacy Policy and do not wish to provide us with the personal information we require, please do not use this Website.
Information we collect from you We collect and process Personal Information and Anonymous Information relating to you.
Personal Information refers to information that identifies (whether directly or indirectly) a particular individual or business entity. Anonymous Information is information that does not enable a specific individual to be identified, either directly or indirectly. We may collect, create, store, use, and disclose such Anonymous Information for any reasonable business purpose.
We can obtain your Personal Information via a number of sources. This includes, without limitation:
а) Information that is automatically collectedThis could include details you enter when interacting with our Website, such as which pages you view, your IP address, browser type, operating system, referral source, and other information about how you use our Websites (e.g., timing, frequency, patterns). This data helps us analyze usage to improve our Services. The legal basis for this processing is our legitimate interest in enhancing the quality of our offerings.
b) Information you provide to usThis includes your personal details such as name, surname, email address, phone number, messenger ID, etc. This information is obtained through its voluntary submission to our system and may be processed for the purposes of answering your queries on our Website, operating our Website, ensuring the security of our Website, maintaining backups of our databases and communicating with you. The legal basis for such processing is contract.
c) CookiesCookies are small files that are sent to your device when you access our Website. Please refer to the separate Cookie Policy section below for details on cookies and your choices about them.
How do we use your informationWe use the information we collect to help us personalize and continually improve your experience on the Website. We may also use that information in the following ways:
(a) Evaluate your application for Services
(b) Support our legal compliance obligations
(c) Provide you with access to the Website
(d) Communicate with you about your account with us and send you information about features and enhancements on or to our Website
(e) Communicate with you about changes to our policies
(f) Send you newsletters, offers and promotions for our services, third party products and services, or special events by email, text, or another medium, at all times in compliance with your local privacy and anti‑spam laws
(g) Administer promotions and surveys
(h) Optimize or improve our products, services and operations
(i) Detect, investigate, and prevent activities that may violate our policies or be illegal
(j) Perform statistical, demographic, and marketing analyses of users of the Website
Who do we share your information withExcept as described in this Privacy Policy, we do not disclose personal information collected through the Website to any companies not part of ONYX or its parent, subsidiaries or related entities. Although, as disclosed below, we may provide some personal information to certain business partners, co-marketers and other third parties, in no event will we sell or rent your Personal Information as part of a customer list or similar transaction.
Service ProvidersWe may share personal and anonymous information with agents, subsidiaries, affiliates, partners and other third parties that perform functions on our behalf, such as hosting, billing, content management tools, analytics, customer service, fraud protection, etc. These entities have access to the Personal Information needed to perform their functions and are obligated to maintain the confidentiality and security of that Personal Information. The Service Providers are restricted from using, selling, distributing or altering this data in any way other than to provide the requested services.
Business PartnersWe provide products and services to customers through a number of affiliated banks and companies. To the extent permitted under applicable laws, we may share your Personal Information with our business partners or other third parties that enable us to serve your processing needs. We may contact our existing customers by mail, telephone, or email to offer additional products or services that we believe may be of interest to you. Although our treatment of your Personal Information is governed by this Privacy Policy, the business partner or third party’s treatment of your Personal Information will be governed by the business partner or third party’s privacy policy.
Emergency SituationsWe may also use or disclose Personal Information if required to do so by law or in the good-faith belief that such action is necessary to:
(a) conform to applicable law or comply with legal process served on us or the Website;
(b) protect and defend our rights or property, the Website or our users, or
(c) act under emergency circumstances to protect the personal safety of us, our affiliates, agents, or the users of the Website or the public.
Sharing anonymous informationTo the extent permitted under applicable local laws, we may disclose or share Anonymous Information (or other information, other than Personal Information) in any other manner that we deem appropriate or necessary. Among other things, we may disclose Anonymous Information to third parties to help us determine how people use parts of the Website and who our users are so we can improve the Website.
Data RetentionWe do not process your personal data for any longer than is necessary for the purposes of processing for which it was first collected. Your personal data will be retained for as long as we have a relationship with you (for example, answering your queries) and up to one (1) year thereafter. With regards to your personal data used to provide you with information on our offers and other news, such data will be processed until you indicate that you no longer wish to receive such information from us.
Cookie PolicyWe use cookies and similar tracking technologies to help us understand how people use our Website so that we can keep improving them.
Cookies are small files that are stored on your computer and saved by your browser. They do not harm your computer and do not contain any viruses. Cookies help make our website more user-friendly, efficient, and secure.
Most of the cookies we use are so-called “session cookies”. They are automatically deleted after your visit. Other cookies remain in your device’s memory until you delete them. These cookies make it possible to recognize your browser when you next visit the Website.
Consent to cookiesIf you choose to use the Website without blocking, disabling or opting out of cookies, you confirm your consent to our use of these technologies.
What steps do we take to keep personal information secureThe security of your Personal Information is important to us. Personal Information collected by the Site is stored in operating environments that are not available to the public. Our security procedures mean that we may occasionally request proof of identity before we disclose your Personal Information to you. In certain telephone and in person transactions we may ask some personal information questions to verify your identity before conducting the transactions you have requested. Note that ONYX will never initiate a request via email for your sensitive information (e.g., Tax Individual Number, personal ID, password, PIN or account number). If you receive an email asking for your sensitive information, you should be suspicious of the request and promptly contact us to report the suspicious activity.
Please understand, however, that while we try our best to safeguard your Personal Information once we receive it, no transmission of data over the Internet or any other public network can be guaranteed to be 100% secure. We review our security procedures to consider appropriate technology and methods to secure information.
What are your obligations in using the WebsiteWhen using the Website, you promise to:
(a) provide true, accurate, current and complete information about yourself and your business, and
(b) maintain and promptly update the registration information to keep it true, accurate, current and complete.
If you provide any information that is untrue, inaccurate, not current or incomplete, or ONYX has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, ONYX has the right to suspend or terminate your registration and refuse any and all current or future use of the Website (or any portion thereof). You are entirely responsible for the security and confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account.
What happens when you link to or from another websiteThe Website may contain links to other websites operated by ONYX, affiliates of ONYX or third parties. Please be advised that the practices described in this Privacy Policy for ONYX do not apply to information gathered through third party websites, websites operated by affiliates of ONYX or websites operated by ONYX where this Privacy Policy is not posted. ONYX does not guarantee and is not responsible for the actions and privacy policies of third parties or its affiliates or their websites and we therefore encourage you to familiarize yourself with the privacy policies provided by those parties.
Change in Ownership or ControlIn the event of a sale, merger, or any other change in ownership or control of our company, your personal data may be disclosed as part of the transaction or during the preparation for such an event. The new owner or controlling entity will be permitted to use your personal data, but only in accordance with the terms outlined in this Privacy Policy, unless you provide explicit consent for different use.
Updates to the Privacy PolicyWe may periodically update this Policy by publishing a new version on our Website. Please check this page occasionally to make sure you are comfortable with any changes to the Policy. If we intend to apply the modifications or amendments to this Privacy Policy retroactively or to personal information already in our possession, we will provide you with notice of the modifications or amendments and if required by law, obtain your consent.
Your RightsYou have the right to access, correct, or delete your personal data and the right to restrict their processing, as well as the right to data portability.
If we process your data based on your consent, you have the right to withdraw your consent at any time. If you would like to exercise your right to withdraw your consent, please contact us.
Contact usIf you have any questions about the Website or this Privacy Policy, please contact us by email at
[email protected] or by post at 1907 Baseline Road, Unit 104, Ottawa, Ontario, K2C0C7, Canada.