Privacy Policy

1. Who we are

Gate Fintech Inc. (“Gate Fintech”, “we”, “us”) is incorporated in Ontario, Canada (corporation number 1001466959) and registered with FINTRAC as a money services business (MSB registration number N300001116).

We handle personal information in line with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other laws that apply to us. Our Privacy Officer is accountable for how we handle personal information.

2. Information we collect

We collect only what we need for the purposes described in this policy.

• This website. You do not need an account and there are no forms. This website does not use cookies, analytics or advertising trackers. Our hosting provider processes technical data your browser sends, such as IP address, browser type, the page requested and the time of the request, to deliver the site and protect it from abuse.
• When you contact us. Your name, email address, organization and anything you choose to include in your message.
• When you use our products. Identity information (full name, date of birth, address, occupation and government-issued ID details and, where required, a photo or video of you to confirm that the ID belongs to you); contact details; wallet addresses and transaction history; card transactions if you use the optional card; device, login and security information; and who referred you.
• From other sources. Where the law requires or permits it, information from identity verification services, sanctions and politically exposed person screening lists, and public blockchain data.

3. How we use it

• To provide, operate and support our products and the accounts you hold with us.
• To verify your identity and meet our obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, including client identification, record keeping, ongoing monitoring and reporting to FINTRAC.
• To detect and prevent fraud, unauthorized access and other misuse, and to keep our products secure.
• To answer your enquiries and send you messages about the service.
• To comply with the law and respond to lawful requests from authorities.
• To send you marketing messages, only with your consent. You can unsubscribe at any time.

4. Consent

We collect, use and share personal information with your consent, except where the law permits or requires otherwise. You can withdraw your consent at any time, subject to legal and contractual limits. If you withdraw consent for information the law requires us to collect, we may not be able to provide a regulated product to you. Where we use a photo or video of your face to confirm your identity, we will ask for your express consent at that time and will not use it for any other purpose.

5. How we share it

We do not sell personal information. We share it only as follows:

• Service providers that work on our behalf, such as hosting, email, identity verification, card issuing, payment processing and professional advisers. They may use the information only to provide services to us, and must protect it under written agreements.
• FINTRAC, law enforcement and other authorities, where the law requires or permits it. The law may prevent us from telling you that we have made a report.
• A buyer or successor, if all or part of our business is sold or reorganized, under a duty of confidentiality.
• Anyone else, with your consent.

6. Where your information is stored

Our service providers may store or process personal information outside Canada, including in the United States. Information held in another country is subject to that country’s laws and may be accessed by its courts, law enforcement and national security authorities.

7. How long we keep it

We keep personal information only as long as we need it for the purposes above, or as long as the law requires. Records we must keep as a money services business, such as identity verification and transaction records and reports to FINTRAC, are kept for at least five years. When we no longer need information, we destroy it securely or make it anonymous.

8. How we protect it

We use physical, organizational and technical safeguards appropriate to the sensitivity of the information, including encryption in transit and access limited to people who need it for their work. If a breach of our safeguards creates a real risk of significant harm to you, we will notify you and the Office of the Privacy Commissioner of Canada, as the law requires.

9. Your rights

You can ask to see the personal information we hold about you, ask us to correct it if it is inaccurate or incomplete, and ask how it has been used and shared. We will reply within 30 days and may first ask you to confirm your identity. If the law allows us more time, we will write to you before the 30 days end, explain why, give you the new date and remind you that you can complain to the Office of the Privacy Commissioner of Canada. In some cases the law permits or requires us to withhold information, for example information about reports made to FINTRAC; if so, we will tell you why where we are allowed to.

10. Children

Our products are not intended for anyone under the age of majority in their province or territory, and we do not knowingly collect their personal information.

11. Changes to this policy

We may update this policy. The current version is always published on this page with its effective date. If you use our products, we will tell you about material changes before they take effect.

12. Contact us

For any question or request about your personal information, write to our Privacy Officer at hello@gate-fin.tech with “Privacy” in the subject line.

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