Privacy policy.

1. Introduction

This Privacy Policy describes how Ardenovirex Inc., trading as Ardenpay ("we", "us"), collects, uses, discloses and safeguards personal information in connection with our website at ardenpay.com and the services we provide. We are committed to handling personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable data protection laws.

2. Information we collect

Depending on your interaction with us, we may collect the following categories of personal information:

• Identification information: name, date of birth, nationality, government-issued identification documents, photographs.
• Contact information: postal address, email address, telephone number.
• Financial information: bank account details, wallet addresses, transaction history, source of funds documentation.
• Corporate information: for clients onboarded as legal entities, information about the entity, its directors, officers, and beneficial owners.
• Communications: records of correspondence, including emails, calls, and submissions through our website.
• Technical information: IP address, device type, browser, and similar information collected automatically when you use our website (see Cookie Notice).

3. How we use information

We use personal information for the following purposes:

• to onboard you as a client and verify your identity in accordance with regulatory requirements;
• to provide, administer, and improve our services;
• to comply with legal and regulatory obligations, including AML, CFT, sanctions and tax reporting obligations;
• to monitor for and prevent fraud, money laundering, and other unlawful activity;
• to communicate with you about your relationship with us;
• to keep records as required by applicable law.

4. Legal basis

We rely on one or more of the following bases when processing personal information: performance of a contract, compliance with legal obligations, our legitimate interests in operating a regulated payment business, and your consent (where required).

5. Disclosure of information

We may share personal information with: (a) regulators, law enforcement, tax authorities, and other governmental bodies, where required by law; (b) banks, payment networks, and other financial institutions used to settle your transactions; (c) compliance and verification service providers; (d) professional advisers, including legal, accounting, and audit advisers, under duties of confidentiality; and (e) successors in the event of a corporate transaction. We do not sell personal information.

6. International transfers

Personal information may be transferred to, and processed in, jurisdictions outside your country of residence, including jurisdictions whose data protection laws may differ from those in your country. Where required, we put in place appropriate safeguards in respect of such transfers.

7. Retention

Personal information is retained for as long as necessary to fulfil the purposes for which it was collected and to satisfy our legal, regulatory, and recordkeeping obligations. Records relating to client identification and transactions are typically retained for a minimum of five years following the end of the client relationship, in accordance with FINTRAC requirements.

8. Security

We implement organisational, technical, and administrative safeguards designed to protect personal information against unauthorised access, alteration, disclosure, or destruction. No system is completely secure; we encourage you to take care when transmitting information to us, including by using the secure channels we provide.

9. Your rights

Subject to applicable law, you may have the right to access personal information we hold about you, to request correction of inaccurate information, to request deletion (where applicable), to object to or restrict certain processing, and to lodge a complaint with a relevant data protection authority. Some rights may be limited by our legal and regulatory obligations to retain certain information.

Requests should be directed to privacy@ardenpay.com.

10. Changes to this policy

We may update this Privacy Policy from time to time. The current version is the one published on this page. Material changes will be notified to active clients through normal channels.

11. Contact

For privacy enquiries, please contact our Privacy Officer at privacy@ardenpay.com. For general enquiries, please contact contact@ardenpay.com.