🔒 Privacy Policy

Welcome to Payback Now Canada ("Company", "we", "our", or "us"). Your privacy is critically important to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at paybacknow.ca or interact with us in connection with our fund recovery and consultation services.

We are committed to handling your information with care, transparency, and in compliance with applicable privacy laws, including Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and GDPR where applicable for international clients.

We may collect the following types of information:

We use the information we collect for the following purposes:

• To provide you with recovery consultations and services
• To assess your eligibility for our services
• To improve user experience on our site
• To personalize communications and content
• To contact you with service updates, case status, or marketing (with consent)
• To meet legal obligations or protect against fraud
• To analyze website performance and usage

For users in the EU/UK, we process your personal data on the following legal bases:

• Your consent
• The performance of a contract
• Legal obligations
• Legitimate interests (e.g., fraud prevention, service optimization)

We do not sell, rent, or trade your personal information.

We may share your data with:

• Authorized service providers and consultants (e.g., legal firms, payment processors)
• Government or legal authorities if required by law
• International agents strictly under confidentiality agreements

All third parties are required to uphold adequate data protection standards.

We retain personal information only as long as necessary to fulfill the purposes outlined, unless a longer retention period is required by law. Once your case is closed, we securely archive or delete sensitive data.

Because we serve international clients, your information may be transferred to, and maintained on, servers located outside your jurisdiction. All transfers comply with applicable data protection laws.

Depending on your location, you may have rights to:

• Access and review your personal data
• Request correction or deletion of your information
• Withdraw consent at any time
• Request restriction or objection to processing
• File a complaint with a supervisory authority

We implement strong technical and organizational safeguards to protect your data, including:

• SSL encryption
• Secure cloud storage
• Access control and audit logs
• Internal privacy training and controls

We use cookies and similar technologies to improve your experience and analyze usage. Please refer to our Cookie Policy for more information.

Our website may contain links to third-party websites. We are not responsible for their privacy practices or content. Please review their privacy policies individually.

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors.

We reserve the right to update this policy at any time. When we do, we will revise the "Last Updated" date at the top of this page. You are encouraged to review this policy periodically.

If you have questions or concerns about this Privacy Policy or our data practices, please contact: