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CompliancePrivacy Policy
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Legal & Transparency Live v2.4

Privacy Policy

Effective Date: December 3, 2024 • P2PHub Inc.

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shield_person Executive Summary

At FairPay, a product of P2PHub, we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our platform and services. By accessing FairPay, you agree to the terms of this Privacy Policy.

Zero Hidden Tracking Tier 1 Custodial Reserve
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a. Personal Information

  • Name
  • Email address
  • Phone number
  • Billing and mailing address
  • Government-issued identification (e.g., passport, driver’s license)
  • Bank account or payment details
terminal

b. Non-Personal Information

  • IP address
  • Browser type
  • Device information
  • Usage data (e.g., pages visited, clicks, session duration)

If you have questions or concerns about this Privacy Policy or your data, please contact us at:

alternate_email [email protected]
location_on FairPays by P2PHub Inc, Toronto, Canada • p2phub.io
account_balance Registered Legal Entity

FairPays operates as a Money Services Business (MSB) in the United States and Canada (FinCEN / FINTRAC). All transactions custodial and verified.

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© FairPays • P2PHub Inc. • p2phub.io
FairPays stylized monogram F with peer-to-peer exchange arrows in vibrant teal and emerald green, modern fintech icon mark. Design context: - Primary color: #0a2540 - Font: manrope - Mode: light - Roundness: rounded-md . The logo should be visually consistent with these brand tokens.
FairPaysP2P
Institutional Rail
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Legal & Compliance • PIPEDA & GLBA Aligned

Privacy Policy

calendar_today Effective Date: December 3, 2024 • P2PHub Inc. (Toronto, Canada) • Version 2.4 (Active)

At FairPay, a product of P2PHub Inc., we are committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our platform and services. By accessing FairPay, you agree to the terms of this Privacy Policy.

download Download Official PDF
Institutional Governance Overview CURRENT & IN-FORCE
Governing Entity P2PHub Inc. (Toronto)
AML Supervised By FINTRAC & FinCEN
Statutory Framework PIPEDA / GLBA
Custodial Encryption AES-256 / TLS 1.3
verified_user

FairPays operates as a Regulated Entity in the United States and Canada. All consumer wallet funds are verified, custodial-isolated, and protected against unauthorized settlement.

FINTRAC #M21048892 • FinCEN #310002488912 • Zero Data Sale Guarantee
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11 Sections • Last Audited Q4 2024
01

Information We Collect

Regulatory Core

badge a. Personal Information

MANDATORY KYC / AML

When registering an institutional or individual FairPays account, completing transactional identification, or accessing custodial settlement rails, we gather:

check_circle Legal Full Name
check_circle Email address
check_circle Phone number (OTP Verified)
check_circle Billing and mailing address
check_circle Government-issued ID (Passport, Driver's License)
check_circle Bank account or payment details (USD Zelle / CAD Interac e-Transfer)

devices b. Non-Personal Information

SECURITY TELEMETRY

Automatically collected telemetry used strictly for session security, latency optimization, and anti-fraud bot mitigation:

public IP address Geo-sanction checks
browser_updated Browser type Render fidelity
smartphone Device details Fingerprint & OS
query_stats Usage data Pages, clicks, session
02

How We Use Your Information

FairPays processes personal data solely for legitimate financial execution, security attestation, and legislative compliance purposes:

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Facilitate Transactions

Executing peer-to-peer bids, bilateral currency conversions (USD/CAD), and domestic wallet settlements.

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Identity Verification & Security

Preventing fraud, mitigating synthetic identity manipulation, and protecting peer counterparty funds.

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Critical Communication

Transmitting live order match notices, transactional confirmation receipts, or service alerts.

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Platform Optimization

Improving platform performance, UI response times, order book liquidity, and customer desk operations.

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Statutory Legal & Regulatory Compliance

Fulfilling mandatory statutory obligations mandated by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) and the Financial Crimes Enforcement Network (FinCEN).

03

How We Share Your Information

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Strict No-Sale Commitment

We do not sell your personal data. Personal, financial, or transactional data is never sold, brokered, or leased to commercial advertisers or data aggregators.

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Service Providers

Third parties who assist in delivering our services, such as payment processors, ID/biometric verification vendors, and infrastructure monitoring tools under binding non-disclosure covenants.

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Regulatory Authorities

As required to comply with statutory legal obligations, such as anti-money laundering (AML), counter-terrorist financing (CTF), and mandatory reporting to FINTRAC and FinCEN.

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Business Partners

Strictly when necessary to complete a transaction initiated by you, including registered domestic bank clearing endpoints (Zelle or Interac e-Transfer verification markers).

security

Law Enforcement

When required by lawful warrant, subpoena, court order, or to safeguard the platform against severe criminal compromise and protect our users' collective safety.

04

Your Rights

Statutory Protections

Under Canadian (PIPEDA) and applicable US federal privacy frameworks, you have specific sovereign rights regarding your data:

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Access your personal data Request an unedited statutory ledger copy of the personal information FairPays maintains concerning your profile.
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Request corrections to your personal information Rectify out-of-date residential documentation, name changes, or associated domestic payment rails.
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Request deletion of your data (subject to regulatory requirements) Submit an account termination request via our dedicated Delete Account Portal. Note that AML transaction records remain legally retained for 7 years.
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Opt-out of marketing communications Instantly withdraw consent from platform announcements, rate trend digests, or informational newsletters.
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File a complaint with a data protection authority Lodge inquiries with the Office of the Privacy Commissioner of Canada (OPC) or respective US Federal Trade Commission offices.
contact_support

To exercise any statutory right, file an inquiry with our Privacy Office:

send [email protected]
05

Data Security

We implement technical and organizational measures to protect your data from unauthorized access, disclosure, alteration, or destruction. However, no online platform is completely secure, and we cannot guarantee absolute security.

lock AES-256 Storage Encrypted at rest across custodial cloud architectures.
vpn_key TLS 1.3 in Transit Bank-grade encrypted socket connections across all APIs.
password 2FA & OTP Rails Mandatory multi-factor challenge for all currency matching.
SYSTEM NOTE: While FairPays enforces multi-layer defense-in-depth, client terminals must ensure private credentials, passcodes, and one-time passwords remain confidential.
06

Cookies and Tracking Technologies

FairPay uses cookies and similar technologies to enhance user experience and collect information about how our platform is used. You can manage cookie preferences in your browser settings.

Essential Session Cookies

Mandatory for authentication state, wallet token isolation, and anti-CSRF request validation.

Telemetry & Performance

Anonymized telemetry to track order-book latency, API response times, and server health.

07

Third-Party Links

Our platform may contain links to third-party websites or services. This Privacy Policy does not apply to these external sites, and we are not responsible for their practices. Please review their privacy policies before disclosing any sensitive details.

08

Children’s Privacy

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Age Restriction: FairPay is not intended for use by individuals under the age of 18. We do not knowingly collect data from minors. Any discovered profile owned by an underage user is subjected to prompt liquidation and archival erasure.

09

Retention of Data

We retain your data only as long as necessary to fulfill the purposes outlined in this Privacy Policy or comply with legal requirements.

history_toggle_off Mandatory Statutory Financial Retention (7 Years)

In compliance with the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA in Canada) and Bank Secrecy Act / FinCEN mandates in the United States, complete records of KYC verifications, customer identification documents, and transaction logs are held in encrypted cold storage for a minimum statutory period of seven (7) years following transaction settlement or account closure.

10

Changes to this Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted on this page, and the “Effective Date” will be updated. Continued use of our platform indicates your acceptance of the revised policy.

11

Contact Us

Help Desk

If you have questions or concerns about this Privacy Policy or your data, please contact our Toronto legal and compliance desk:

Primary Privacy Inquiries
[email protected]
DPO Direct Desk • 24hr Turnaround
Corporate Headquarters FairPays by P2PHub Inc. Toronto, Ontario, Canada • p2phub.io
FINTRAC Reg: M21048892
Submit a Subject Access or Rectification Request

All formal requests are authenticated through cryptographic email verification or existing authorized account session tokens.

outgoing_mail Email Privacy Officers delete_forever Account Deletion Portal