Privacy Policy

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Last Updated: August 11th, 2026

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This Privacy Policy describes how Blume Financial Inc., doing business as Paymints (“Company,” “we,” “us,” or “our”), collects, uses, and discloses your information when you use our website and related services (“Service”). It also explains your privacy rights and how the law protects you. By using our Service, you agree to the collection and use of information in accordance with this Policy.

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1. Interpretation and Definitions

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Interpretation

Words with capitalized initials have meanings defined below. The same meaning applies whether they appear in singular or plural form.

Definitions

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• Account – a unique account created for you to access our Service.

• Company – refers to Blume Financial Inc., doing business as Paymints.

• Cookies – small text files placed on your device to store browsing history details.

• Country – refers to British Columbia, Canada.

• Device – any device capable of accessing the Service, such as a computer, smartphone, or tablet.

• Personal Data – any information relating to an identified or identifiable individual.

• Service – refers to the Website and related services provided by Paymints.

• Service Provider – any third-party entity processing data on behalf of the Company.

• Usage Data – information collected automatically, including IP address, browser type, and pages visited.

• Website – refers to Paymints, accessible at www.paymints.ca.

• You – the individual or entity using the Service.

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2. Collecting and Using Your Personal Data

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Types of Data Collected

Personal Data

While using our Service, we may collect the following information:

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• Email address

• First and last name

• Phone number

• Mailing address, including city, province, and postal code

• Business details you share for a quote or rate review, such as current payment processor, POS system, estimated processing volume, or merchant ID

• Usage Data

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Usage Data

Usage Data is automatically collected during your visit and may include your device’s IP address, browser version, pages viewed, and time spent on pages.

SMS and Electronic Communications Consent

By providing your telephone number to Paymints through our website, online forms, written communications, or by contacting us directly by telephone, you expressly consent to receive text messages and other electronic communications from Paymints for transactional, informational, customer service, recruitment, account-related, and business-relationship purposes.

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Message frequency may vary. Message and data rates may apply. You acknowledge that consent is provided in accordance with applicable Canadian and international laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada’s Anti-Spam Legislation (CASL), and, where applicable, U.S. telecommunications and messaging regulations.

Consent to receive text messages is not a condition of purchase and may be withdrawn at any time by replying STOP or by contacting us using the information provided in this Privacy Policy.

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We do not sell or share mobile numbers with third parties for marketing purposes. Text messages are sent only to individuals who have provided express or implied consent, and personal information is collected, used, and retained solely for legitimate business purposes in accordance with this Privacy Policy.

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3. Tracking Technologies and Cookies

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We use cookies and similar technologies to analyze how visitors use our website and to improve your experience. On your first visit, our cookie banner asks for your consent before any analytics or advertising tools are loaded.

If you choose “Essentials only,” those tools stay off and any existing analytics cookies are deleted. You can change your choice at any time by clearing this site’s cookies in your browser — the banner will appear again.

You may disable cookies in your browser settings, but some features may not function properly without them.

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Tools we use, with your consent where required:

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• Essential Cookies – required for the site to function, including remembering your cookie consent choice. Always active.

• Google Analytics 4 (Google LLC) – analytics cookies, such as _ga, that help us understand which pages visitors view and how they navigate our site.

• Microsoft Clarity (Microsoft Corporation) – session analytics that records page interactions, such as scrolling and clicks, and produces heatmaps so we can improve usability. Text you type into forms is masked by default.

• Meta Pixel (Meta Platforms, Inc.) – where enabled, an advertising cookie that helps us measure ad performance and show relevant Paymints advertisements on platforms such as Facebook and Instagram.

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4. Use of Your Personal Data

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The Company may use your data for the following purposes:

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• To provide, maintain, and improve the Service.

• To manage your account and user profile.

• To fulfill and manage transactions and contracts.

• To contact you by email, SMS, or telephone for service updates or support.

• To provide information about similar products or promotions, unless you opt out.

• To analyze performance, usage, and customer trends.

• To comply with legal and regulatory requirements.

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We may share data with trusted Service Providers, business partners, or affiliates solely to perform these functions on our behalf under appropriate confidentiality obligations.

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5. Retention of Personal Data

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We retain your Personal Data only as long as necessary for the purposes described in this Privacy Policy or as required by law. Usage Data may be kept longer for security or performance analytics.

6. Transfer of Personal Data

Your information may be processed at our offices or by third parties located outside your jurisdiction.

We take reasonable steps to ensure your data remains secure and protected wherever it is processed.

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7. Disclosure of Personal Data

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We may disclose your information:

• To comply with a legal obligation or law enforcement request.

• To protect our rights, property, or safety.

• During a merger, acquisition, corporate restructuring, or sale of assets, in which case you will be notified where required by applicable law.

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8. Security of Your Personal Data

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We use commercially reasonable safeguards to protect your data, including encryption and access controls. However, no online system is 100% secure, and you acknowledge that transmission of information via the Internet is at your own risk.

Your Privacy Rights Subject to applicable law, including PIPEDA, BC PIPA and, where applicable, Quebec Law 25, you may have the right to:

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• Access the Personal Data we hold about you.

• Request correction of inaccurate or incomplete Personal Data.

• Withdraw your consent to our collection, use, or disclosure of your Personal Data at any time, subject to legal or contractual restrictions and reasonable notice.

• Request deletion of your Personal Data where it is no longer required.

• Ask questions or make a complaint about our privacy practices.

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To exercise any of these rights, contact us using the details in the Contact Us section below.

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada, the Office of the Information and Privacy Commissioner for British Columbia, or, in Quebec, the Commission d'accès à l'information du Québec.

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9. Email Marketing

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We may send newsletters, marketing, or promotional communications that may interest you. You can unsubscribe at any time using the unsubscribe link included in the email or by contacting us directly at info@paymints.ca.

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10. Payments

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When you purchase products or services, payment information may be processed by third-party payment providers that comply with applicable PCI-DSS security standards and payment card industry requirements.

We do not store or process your payment card details directly unless expressly stated otherwise.

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11. Children’s Privacy

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Our Service is directed to businesses and is not intended for anyone under 18. We do not knowingly collect data from minors.

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If you believe a minor has provided us with information, contact us immediately and we will take reasonable steps to remove it.

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12. Links to Other Websites

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Our website may contain links to external websites that we do not control. We encourage you to review the privacy policies of every website you visit.

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13. Changes to This Policy

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We may update this Privacy Policy periodically. All updates will be posted on this page with the revised date.

Continued use of our Service after updates constitutes acceptance of the revised policy to the extent permitted by applicable law.

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14. Contact Us

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If you have any questions or concerns about this Privacy Policy, you can contact us:

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By Email: info@paymints.ca
By Phone: +1 (778) 988-8094

By Mail:
Blume Financial Inc.
Doing business as Paymints
Canada