Privacy Policy

Halpay ("we", "us", "our") is a remittance platform operated by Halvest Technology Inc. We are committed to protecting the privacy of everyone who visits our website or uses our services to transfer and exchange money into Canadian dollars. Nigeria is our primary market, and we plan to support additional sending countries over time.

This Privacy Policy explains what personal information we collect, why we collect it, how we use and protect it, and the rights you have over your information. It applies to our website, our waitlist, and any remittance services we provide.

Contact information: your name and email address when you join our waitlist or contact us through the contact form.

Transaction information: when our remittance services launch, we will collect the details needed to process a transfer, including sender and recipient names, contact details, bank or mobile money account information, transaction amounts, and currency.

Identity and verification information: to meet anti-money laundering (AML) and know-your-customer (KYC) obligations, we may ask for government-issued identification, proof of address, date of birth, and similar verification details.

Technical information: standard log data such as IP address, browser type, device information, and pages visited, collected automatically when you use our website.

Communications: records of messages you send to us, including through our contact form or customer support channels.

To operate and deliver our services, including processing transfers from supported sending countries into Canadian dollars and providing customer support.

To verify your identity and comply with legal and regulatory requirements, including AML, KYC, and sanctions screening obligations in Canada and in the countries we serve, including Nigeria.

To communicate with you about your requests, your account, our launch, and service updates. You can opt out of marketing emails at any time.

To detect, prevent, and investigate fraud, unauthorized transactions, and other unlawful activity.

To improve our website, products, and services, and to understand how they are used.

Where applicable law requires it, we process your personal information based on one or more of the following: your consent (for example, when you join our waitlist), the performance of a contract with you, compliance with a legal obligation, and our legitimate interests in operating and securing our business.

We do not sell your personal information. We share it only with:

Service providers and partners who help us operate our business, such as payment processors, banks, money transfer partners, identity verification providers, cloud hosting providers, and email delivery services. These parties process information on our instructions and are bound by contractual confidentiality and security obligations.

Regulators, law enforcement, or other authorities where required by law, or to protect our rights, property, or safety.

Professional advisers, auditors, and prospective business partners in connection with a corporate transaction such as a merger or acquisition, subject to appropriate safeguards.

Halpay operates across borders — money is sent from supported countries such as Nigeria and delivered in Canada — so your information may be transferred to and processed in countries other than your own. Where we transfer personal information internationally, we take steps to ensure it receives an adequate level of protection, including appropriate contractual safeguards.

We keep personal information only as long as necessary for the purposes described in this policy, to provide our services, and to meet legal, accounting, and regulatory record-keeping requirements. Because we operate in a regulated industry, transaction and identity verification records may be retained for the periods required by applicable AML laws, which can extend beyond the end of our relationship with you.

We use administrative, technical, and physical safeguards designed to protect your personal information, including encryption in transit, access controls, and monitoring. No method of transmission or storage is completely secure, but we continuously review and improve our security practices.

Depending on where you live, you may have rights over your personal information, including the right to access, correct, or delete your information, object to or restrict certain processing, withdraw consent, and request a copy of your data in a portable format.

To exercise any of these rights, contact us using the details below. We will respond in accordance with applicable law.

Our website may use cookies and similar technologies to keep the site working, remember your preferences, and understand usage. You can control cookies through your browser settings.

We may update this Privacy Policy from time to time. When we do, we will post the updated version on this page and revise the effective date. Significant changes will be highlighted on our website.

If you have questions about this Privacy Policy or how we handle your personal information, contact us:

Halvest Technology Inc. (operator of Halpay)

Unit 115C - 675 Queen St. South, Kitchener, ON, Canada N2M 1A1