Privacy Policy  

Last Updated: Oct. 1, 2025

Introduction

Pay-Tek.co (”Pay-Tek.co,” ”we,” ”us,” or ”our”) operates the website https://Pay-Tek.co (the ”Website”). We are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard information obtained through our Website, specifically via our Contact Form, Email Form, and Complete Application Form. By using our Website, you consent to the practices described herein. This policy may be updated periodically, and we encourage you to review it regularly.

1. Information We Collect

We collect information you voluntarily provide through the following methods:
• Contact Form: Information such as your name, email address, phone number, and message content.
• Email Form: Information such as your email address and any details included in your message.
• Complete Application Form: Information required to process your application, which may include name, contact details, business information, financial details, and other data as specified in the form.

We do not collect information automatically via cookies, trackers, or other technologies at this time unless explicitly stated on the Website.

2. How We Use Your Information

We use the information collected for the following purposes:
• To respond to inquiries submitted via the Contact Form or Email Form.
• To process applications submitted through the Complete Application Form, including assessing eligibility, verifying information, and facilitating payment processing services.
• To communicate with you regarding your application or inquiries, including updates and support.
• To improve our Website and services based on user feedback and interactions.

3. Information Sharing and Disclosure

• No Third-Party Marketing: We do not share, sell, or disclose your personal information collected via the Contact Form, Email Form, or Complete Application Form to third parties for marketing purposes.
  • Application Processing: Unless otherwise specified in the Complete Application Form, your information will only be shared with third parties (e.g., financial institutions, payment processors) as necessary to process your application. Such disclosures are limited to what is required for service delivery.
  • Legal Requirements: We may disclose information if required by law, court order, or government regulation, or to protect the rights, property, or safety of Pay-Tek.co, our users, or others.

4. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or misuse. These include secure servers, encryption for sensitive data transmission, and restricted access to personal information. However, no system is completely secure, and we cannot guarantee absolute security.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. Contact and Email Form data is typically retained for one year after last interaction. Application Form data is retained for the duration of the application process and as required for legal or compliance purposes (e.g., up to seven years for financial records).

6. Your Rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:
• Access: Request a copy of the information we hold about you.
• Correction: Request corrections to inaccurate or incomplete data.
• Deletion: Request deletion of your data, subject to legal retention requirements.
• Objection: Object to certain uses of your data. To exercise these rights, contact us at [email protected]. We will respond within 30 days, or as required by applicable law (e.g., CCPA for California residents). 

7. Third-Party Links

Our Website may contain links to third-party websites or services. We are not responsible for their privacy practices. Please review the privacy policies of any third-party sites you visit.

8. Children’s Privacy

Our Website is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have such data, please contact us to request its deletion.

9. International Users

Pay-Tek.co is based in Canada and processes data in accordance with Canadian privacy laws (e.g., PIPEDA). If you access our Website from outside Canada, your data may be transferred to and stored in Canada, where privacy protections may differ from your jurisdiction.

10. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Updates will be posted on this page with a revised ”Last Updated” date. Significant changes will be communicated via email or a prominent notice on the Website.

11. Contact Us

For questions, concerns, or to exercise your privacy rights, please email: [email protected].