Privacy Policy

1. Summary

We collect personal information to answer your enquiries, to verify who our clients are as required by Canadian anti-money-laundering law, to execute the payments and conversions you instruct, and to meet our record-keeping and reporting obligations. We do not sell personal information. We do not use it for advertising.

This website is a static informational site. It does not set advertising cookies, does not run third-party analytics, and does not embed third-party tracking scripts.

2. Information we collect

Information you give us directly

• Contact details submitted through our enquiry form or by email: name, work email, company name, country of operation and the content of your message.
• Information disclosed during onboarding and throughout the relationship: entity name and registration details, registered and trading addresses, director and beneficial ownership information, identification document details, business activity, expected transaction profile, and bank account details.
• Correspondence with us, including instructions, confirmations and supporting documentation.

Information we generate or receive in the course of the relationship

• Transaction records: amounts, currencies, counterparties, dates, references and settlement details.
• Verification and screening results, including sanctions and politically exposed person screening outcomes.
• Records of enquiries and complaints.

Technical information

Our web server may record standard request information such as IP address, request time, requested URL and user agent for security and operational purposes. We do not use this information to build a profile of you or to serve advertising.

3. Why we use it

• To respond to your enquiry and, if you proceed, to open and administer your account.
• To verify identity and beneficial ownership, and to screen clients and counterparties, as required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its regulations.
• To execute, confirm and reconcile the payments and conversions you instruct.
• To detect, investigate and report suspicious or unusual activity, and to make the reports FINTRAC requires.
• To keep records for the periods Canadian law requires and to produce them to regulators and law enforcement where we are legally obliged or permitted to do so.
• To protect our systems and to establish, exercise or defend legal claims.

Where we rely on consent, you may withdraw it at any time. Withdrawing consent may mean we can no longer provide a service to you, and it does not affect processing we are legally required to carry out.

4. Who we disclose it to

• Regulators and authorities. FINTRAC, and other competent authorities where we are legally required to report or to respond to a lawful request.
• Banks and settlement providers. The financial institutions, correspondent banks and payment networks needed to execute a payment you have instructed. Information disclosed is limited to what is necessary to process that payment.
• Service providers. Identity verification, screening and technology providers acting on our instructions under confidentiality obligations.
• Professional advisers and auditors. Where necessary for legal, accounting or compliance purposes.

We do not sell, rent or trade personal information, and we do not disclose it for advertising purposes.

5. International transfers

Payment processing is inherently cross-border. Where a transaction requires it, information may be disclosed to banks or service providers located outside Canada, including in the United States and in the jurisdiction of your beneficiary. Where personal information is transferred to a service provider outside Canada, we require it to be protected by contractual safeguards and used only for the purposes we specify. Information held by a foreign provider may be accessible to that country's authorities under its laws.

6. Retention

Canadian anti-money-laundering law requires us to retain client identification and transaction records for at least five years after the end of the relationship or the date of the transaction, as applicable. We retain enquiry correspondence for up to 24 months where no account is opened, and longer where needed to establish or defend a legal claim.

Where we hold information that we are not legally required to keep, we delete or de-identify it once the purpose for which it was collected has ended.

7. How we protect it

We restrict access to personal information to personnel and providers who need it to perform their role, require confidentiality from them, and apply administrative, technical and physical safeguards proportionate to the sensitivity of the information. These include access controls, encrypted transmission and documented procedures for handling client records.

No method of transmission or storage is completely secure. If a breach of security safeguards involving personal information occurs and creates a real risk of significant harm, we will notify affected individuals and the Office of the Privacy Commissioner of Canada as required.

8. Your rights

Under Canadian privacy law you may request access to the personal information we hold about you, ask how it has been used and disclosed, and request correction of information that is inaccurate or incomplete. You may also withdraw consent to certain uses, subject to the legal limits described above.

Send requests to [email protected] or by post to our registered office. We will respond within 30 days. We may need to verify your identity before releasing information, and in limited circumstances the law permits or requires us to withhold specific records — for example, where disclosure would reveal a report made to FINTRAC or prejudice an investigation.

9. Cookies and this website

This website does not use advertising or analytics cookies. Pages are served as static files. If we introduce a client portal in future, this policy will be updated before any session or preference cookies are set, and the update will be published here with a revised date.

10. Children

Our services are provided to businesses and are not directed at individuals under the age of 18. We do not knowingly collect personal information from children.

11. Changes to this policy

We may update this policy to reflect changes in our practices or in applicable law. The revised version takes effect when it is published on this page with a new "last updated" date. Material changes affecting how we use personal information will be communicated to active clients by email.

12. Complaints and contact

Questions or concerns about this policy, or about how we have handled your personal information, should be directed to:

• Email: [email protected]
• Telephone: +1 778-651-5544
• Post: MUSETECH DEVELOPMENT LIMITED, 200A-4185 Still Creek Drive, Burnaby, BC V5C 6G9, Canada

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.