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Privacy Policy

Last updated: May 6, 2026

Introduction

PanoFlow Technologies Inc. ("PanoFlow", "we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at panoflow.io and use our services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

Information We Collect

Information You Provide

  • Contact information: name, email address, phone number, and company name when you request early access or contact us.
  • Business information: company registration details, business type, and transaction volume estimates during onboarding.
  • Identity verification: government-issued identification and proof of address as required by FINTRAC regulations.

Information Collected Automatically

  • Usage data: pages visited, time spent, referral source, and interaction patterns.
  • Device data: browser type, operating system, and screen resolution.
  • We do not use cookies for analytics. Our analytics provider (Cloudflare Web Analytics) is privacy-first and does not use cookies or collect personally identifiable information.

How We Use Your Information

We use the information we collect to:

  • Process and respond to your early access requests.
  • Comply with FINTRAC Know Your Business (KYB) and Anti-Money Laundering (AML) requirements.
  • Communicate with you about our services, updates, and changes.
  • Improve our website and services.
  • Detect, prevent, and address fraud, security issues, and technical problems.

Disclosure of Your Information

We may share your information with:

  • Regulatory authorities: FINTRAC and other regulators as required by law.
  • Service providers: third-party companies that perform services on our behalf, including identity verification, payment processing, and email delivery.
  • Banking partners: Schedule I Canadian banks that hold segregated client funds.

We do not sell your personal information to third parties.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, and regulatory requirements. FINTRAC record-keeping requirements mandate retention of certain records for a minimum of five years.

Your Rights

Under PIPEDA, you have the right to:

  • Access your personal information held by us.
  • Request correction of inaccurate information.
  • Withdraw consent for the collection, use, or disclosure of your information, subject to legal and contractual restrictions.

To exercise these rights, contact us at privacy@panoflow.io.

Security

We implement appropriate technical and organizational measures to protect your personal information, including encryption in transit and at rest, access controls, and regular security assessments.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us at:

PanoFlow Technologies Inc. Toronto, Ontario, Canada privacy@panoflow.io