At Nuage ("Nuage", "we", "our", or "us"), we respect your privacy and are committed to protecting your personal data. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our websites, use our mobile apps, or interact with any part of the Nuage ecosystem. By using our services, you agree to the terms outlined in this policy.
This policy applies across all Nuage properties including our website (e.g., www.nuage.money), mobile apps, and related applications, collectively referred to as the "Service."
Definitions
- Account: A profile created by you to access Nuage Services.
- Company: Nuage Payment Canada Limited
- Cookies: Small data files stored on your device used to improve user experience.
- Country: Ontario, Canada.
- Personal Data: Information that identifies or can be used to identify a person.
- Service: Websites, apps, APIs, and any other digital properties provided by Nuage.
- Service Provider: Third parties who process data on Nuage's behalf.
- Usage Data: Data collected automatically related to service usage (e.g., IP address, browser info, session times).
- You: Any individual or entity using the Service.
Please note that Nuage Payment Canada Limited is a financial technology services provider, not a bank. Banking services offered on the Nuage platform are provided by a licensed financial partner, Bridge Ventures Inc.
Information We Collect
We may collect the following types of personal data:
- Contact Information: Name, email address, phone number
- Address Information: Residential and business address
- Identity Verification: Government-issued IDs for verification (e.g., passport, driver's license)
- Financial Information: Payment or crypto wallet details
- Technical Data: Usage data including device and location information
Usage Data
Collected automatically when you interact with our services. This may include:
- Network Information: IP address
- Device Information: Device and browser type
- Navigation Data: Referring and exit pages
- Activity Logs: Pages visited, time spent, and crash logs
- Location Data: Location data if you permit it
Cookies and Tracking Technologies
We use both session and persistent cookies for the following purposes:
- Security: Authentication and account security
- User Experience: Remembering preferences
- Analytics: Analyzing traffic and behavior
- Compliance: Complying with legal requirements
You can control cookie preferences via your browser. Some features may not function if cookies are disabled.
How We Use Personal Data
We use your personal data for the following purposes:
- To verify your identity and perform KYC/AML screening
- To provide, manage, and improve our Services
- To communicate with you (support, updates, marketing)
- To prevent fraud and ensure compliance
- To personalize your experience
- To fulfill legal obligations
Data Retention
We keep your data only as long as necessary for the purposes stated in this policy or as required by law. Our retention periods are as follows:
- Active account data: Retained for the duration of the relationship
- Closed/dormant accounts: Retained for up to 7 years
- Analytics and security logs: Retained as needed for internal use
International Transfers
Your information may be stored and processed in countries outside your own. Where this occurs, we take appropriate steps to ensure adequate protection is in place.
Data Disclosure
We may share your data in the following circumstances:
- With trusted third-party service providers for business functions
- As required by legal authorities under applicable law
- In connection with business transfers such as mergers or acquisitions
- To protect Nuage, its users, or the public against harm or fraud
Data Security
We implement the following security measures to protect your data:
- Encryption of data in transit and at rest
- Access controls and authentication
- Secure software development practices
- Regular security audits and monitoring
However, no system is completely foolproof, and we cannot guarantee absolute security.
Your Rights
Depending on your location, you may have the following rights:
- Access, correct, or delete your personal data
- Restrict or object to certain processing
- Withdraw consent where applicable
- File complaints with relevant data protection authorities
Contact us at privacy@nuage.money to exercise your rights.
Children's Privacy
Our Services are not intended for individuals under the age of 13. If we discover we have collected data from a minor without parental consent, we will delete it.
External Links
Our Services may link to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.
Changes to This Policy
We may update this Privacy Policy from time to time. When we make changes:
- Material changes will be communicated via email or prominent in-app notification
- The updated policy will be posted on our website
- Continued use of the Services implies acceptance of the updated terms
We recommend reviewing this policy periodically to stay informed about how we protect your information.
Contact Us
If you have questions or concerns about this Privacy Policy, please reach out through any of the following channels:
- Email: privacy@nuage.money
- Website: www.nuage.money
- Address: Nuage Payment Canada Limited, 55 University Avenue, Suite 1100, Toronto, Ontario M5J 2H7
- Response time: We aim to respond to privacy inquiries within 30 days