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Last Updated: May 4, 2026

Introduction

Benji Pays (“Benji Pays”, “we”, “us” or “our”) is committed to handling personal information responsibly and securely. This Privacy Policy describes how we collect, use, disclose, store, and otherwise process information when you access or use our website located at https://benjipays.com/ (the “Site”), our payment management platform accessible through the Site (the “Platform”), and any related services, communications, or support interactions (collectively, the “Services”).

This Privacy Policy applies when you interact with the Services as a merchant, customer, authorized user, website visitor, prospective customer, vendor contact, or other individual whose information we process in connection with the Services. It also explains how to contact us and exercise applicable privacy rights.

1. Definitions

“Authorized User” means an employee, contractor, representative, or agent of a merchant, customer, or other business user that accesses or uses the Services.

“Contact Information” means business contact information such as name, title, business telephone number, business address, or business email address.

“Customer” means an individual or business contact of a merchant that may interact with payment requests, invoices, account links, payment portals, or other payment-related functions made available through the Services.

“Personal Information” means information relating to an identified or identifiable individual. Depending on the context, this may include business contact details, account credentials, device identifiers, IP addresses, support records, transaction-related metadata, and information required to verify, secure, support, or administer the Services. Personal Information does not include information that has been irreversibly anonymized.

“Process” or “Processing” means any operation performed on Personal Information, including collection, use, storage, disclosure, analysis, transfer, deletion, or other handling.

“User Information” means Personal Information and other information provided to us, collected by us, or made available to us through use of the Services, connected systems, integrations, communications, or service providers.

2. Roles and Responsibilities

Depending on the context, Benji Pays may act as a service provider processing information on behalf of a merchant or other business customer, or it may act independently for its own business purposes, such as operating the Site, onboarding users, providing support, securing the Services, detecting fraud, maintaining records, meeting legal obligations, improving product performance, and communicating about the Services.

Where Benji Pays processes Personal Information on behalf of a business customer, that customer remains responsible for its own privacy notices, lawful instructions, and relationship with the relevant individuals. Where Benji Pays processes Personal Information for its own purposes, this Privacy Policy applies directly to that Processing.

3. Information We Collect

We may collect and process the following categories of information, depending on how the Services are used:

(a) Account and profile information, such as first and last name, business name, username, password, job title, phone number, billing address, service preferences, and email address.

(b) Business and customer data made available through connected systems or submitted through the Services, such as customer names, business names, business addresses, email addresses, invoices, credit memos, payment records, chart of accounts data, tax codes, currency data, remittance details, and related account information.

(c) Payment and transaction-related information, such as payment status, transaction identifiers, invoice data, payer details, and other operational information required to support payment workflows. Benji Pays does not store full payment card numbers where this information is collected and processed directly by payment processors.

(d) Verification, compliance, risk, or fraud-prevention information, such as identity verification details, business ownership details, beneficial ownership or director information, sanctions or screening results, device signals, IP addresses, login history, and suspicious activity indicators, to the extent relevant to the Services or required by law.

(e) Technical and usage information, such as IP address, browser type, operating system, device identifiers, session logs, authentication activity, crash reports, error logs, pages viewed, referring URLs, and interaction data.

(f) Communications and support information, such as inquiry details, support tickets, call notes, meeting notes, and correspondence with us.

(g) Marketing and subscription information, such as newsletter preferences, campaign interactions, and event participation data.

(h) Any other information that we reasonably require to deliver, secure, improve, or support the Services, or to meet legal and contractual obligations.

4. How We Collect Information

We collect information in the following ways:

(a) Directly from you, including when you create an account, complete forms, connect systems, request support, subscribe to communications, or otherwise interact with us.

(b) From merchants, customers, partners, or authorized users that provide information through the Services or direct us to access connected business systems.

(c) From third-party service providers, integrations, payment processors, analytics providers, fraud and security partners, customer relationship tools, accounting platforms, and other business systems connected to the Services.

(d) Automatically through your use of the Services, including through cookies, similar technologies, logs, analytics tools, and security monitoring tools.

5. Why We Process Information

We process information for the following purposes:

(a) to provide, operate, maintain, and improve the Services;
(b) to create and manage accounts, user access, integrations, and onboarding;
(c) to facilitate invoicing, payment requests, payment processing workflows, remittance support, and account administration;
(d) to communicate with users regarding product updates, service notices, support, and operational matters;
(e) to monitor, prevent, detect, investigate, and respond to fraud, abuse, unauthorized activity, security incidents, and other harmful or unlawful conduct;
(f) to perform verification, due diligence, screening, and recordkeeping activities required for legal, regulatory, contractual, financial reporting, or risk management purposes;
(g) to analyze service usage, product performance, support trends, and operational metrics;
(h) to send newsletters, marketing messages, and promotional materials where permitted by law;
(i) to enforce our terms, protect our rights, protect users and third parties, and resolve disputes; and
(j) to comply with applicable laws, regulations, legal processes, audits, and internal governance requirements.

6. Grounds for Processing

Depending on the circumstances, we process Personal Information because: (a) it is necessary to provide the Services or perform our contractual obligations; (b) it is necessary to support legitimate business operations such as service delivery, platform administration, security, fraud prevention, product improvement, and internal reporting; (c) it is necessary to comply with legal, regulatory, accounting, tax, audit, or recordkeeping requirements; or (d) you have provided consent where consent is the appropriate basis.

Where consent is used, you may withdraw it subject to legal or operational limitations. Withdrawal of consent does not affect Processing that occurred before the withdrawal and may affect our ability to provide certain Services or features.

7. Cookies and Similar Technologies

We may use cookies, pixels, web beacons, SDKs, and similar technologies to operate the Site and Services, remember preferences, maintain sessions, analyze usage, improve performance, and support security. Some of these technologies are strictly necessary for the Services to function, while others are used for analytics, measurement, or communications purposes.

Where required, we will provide appropriate notice and choice regarding non-essential cookies and similar technologies. You can also manage cookies through your browser settings, although doing so may affect site functionality. Additional details may be provided in a separate Cookie Notice or consent tool.

8. Disclosure of Information

We may disclose Personal Information to the following categories of recipients where reasonably necessary:

(a) service providers and subprocessors that assist with hosting, cloud infrastructure, analytics, fraud prevention, payment processing, customer support, communications, document management, security operations, development, or other business functions;

(b) business customers, merchants, or authorized users where disclosure is necessary to provide the Services or respond to an instruction or request;

(c) professional advisors, auditors, insurers, financing sources, and corporate affiliates, subject to appropriate confidentiality and security controls;

(d) regulators, law enforcement bodies, courts, government authorities, or other third parties where required or permitted by law, legal process, or regulatory obligation; and

(e) parties involved in an actual or proposed merger, acquisition, financing, reorganization, sale of assets, or similar corporate transaction, subject to appropriate protections.

We do not sell Personal Information.

9. International Transfers and Storage

Personal Information may be accessed, stored, or processed in Canada, the United States, the United Kingdom, the European Economic Area, or other jurisdictions where we or our service providers operate. Where information is transferred across borders, we take steps designed to ensure an appropriate level of protection and to support lawful transfer and handling practices.

These safeguards may include standard contractual clauses or equivalent contractual protections, transfer risk assessments, encryption, access controls, data minimization, vendor due diligence, and other technical, organizational, or contractual measures that are appropriate to the sensitivity of the information and the nature of the transfer.

Because privacy and government access laws vary by jurisdiction, information transferred outside your home jurisdiction may be subject to the laws of the country where it is processed. You may contact us using the details below for more information about how we protect Personal Information when it is transferred internationally.

10. Retention of Information

We retain Personal Information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide the Services, maintain records, resolve disputes, enforce agreements, support fraud prevention and security activities, meet audit and compliance requirements, and comply with legal obligations.

Retention periods may vary by category of information and business need. For example, we may retain account and onboarding records for the life of the relationship and a reasonable period afterward; transaction, invoicing, tax, audit, and legally required records for the periods required by applicable law or business recordkeeping obligations; support records and business communications for as long as needed to manage the relationship and respond to issues; security logs, access records, and fraud-monitoring data for as long as needed to detect, investigate, and respond to security or misuse concerns; and marketing preference data until you unsubscribe or we determine the information is no longer needed.

When Personal Information is no longer required, we will delete, anonymize, or otherwise dispose of it in accordance with our retention and destruction practices, subject to legal hold, dispute, investigation, or regulatory requirements.

11. Security of Information

We maintain administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, disclosure, loss, misuse, alteration, and destruction. These measures may include encryption in transit and at rest where appropriate, role-based access controls, authentication controls, monitoring and logging, vulnerability management, secure development practices, security testing, vendor oversight, incident response processes, and business continuity measures.

Although we use measures designed to protect Personal Information, no system can guarantee absolute security. You are responsible for using the Services securely, including maintaining the confidentiality of credentials and reporting suspected unauthorized activity promptly.

12. Individual Rights and Choices

Subject to applicable law and certain limitations, individuals may have the right to:

(a) request access to Personal Information we hold about them;
(b) request correction or updating of inaccurate or incomplete information;
(c) request deletion of Personal Information in certain circumstances;
(d) request restriction or limitation of certain processing activities where available;
(e) object to certain processing activities where permitted by law;
(f) withdraw consent where processing is based on consent;
(g) request transfer or portability of certain information where available;
(h) ask questions about how their information is handled; and
(i) submit a complaint to us or, where applicable, to a competent privacy or data protection authority.

To exercise a right, please contact us using the details below. We may request information necessary to verify identity and authority before responding. In some cases, we may decline or limit a request where permitted by law, including where records must be retained for legal, security, fraud-prevention, financial reporting, audit, or regulatory purposes.

13. Automated Processing

We may use automated tools to support service delivery, fraud detection, security monitoring, workflow routing, sanctions screening, identity verification support, or operational decision support. These tools are intended to help us secure and administer the Services efficiently and consistently.

Benji Pays does not currently make decisions about individuals based solely on automated processing where those decisions produce legal or similarly significant effects without appropriate human involvement. If this changes, we will update this Privacy Policy and provide any additional notice or rights information required by applicable law.

14. Information About Other Persons

If you provide us with Personal Information about another person, or direct us to access information relating to another person, you represent that you have the authority to do so and that you have provided any notices required by applicable law. Please do not provide information about another person unless you are authorized to do so.

15. Third-Party Services and Links

The Services may contain links to third-party websites, products, integrations, or services that are not owned or controlled by Benji Pays. We are not responsible for the privacy, security, or content practices of those third parties. Your use of third-party services is governed by their own terms and notices, and we encourage you to review them carefully.

16. Children’s Information

The Services are intended for business use and are not directed to children. We do not knowingly collect Personal Information directly from children through the Services. If we learn that we have collected Personal Information from a child in a manner inconsistent with applicable law, we will take appropriate steps to delete it.

17. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to the Services, our practices, legal requirements, or operational needs. When we do, we will update the “Last Updated” date above and, where required, provide additional notice. Your continued use of the Services after an updated Privacy Policy becomes effective means that the updated policy will apply to your future interactions with the Services.

18. Contact Us

If you have questions about this Privacy Policy or wish to submit a privacy-related request, please contact:

Privacy Officer
Benji Pays
Email: support@benjipays.com
Address: 3200 – 1021 W. Hastings St, Vancouver, BC V6E 0C3

For the fastest response, please include enough detail for us to understand your request and verify your relationship to Benji Pays.