This Privacy Policy describes the practices of Say Yes Now Pay Later Inc. regarding the collection, use, storage and sharing of personal information through our websites, our buy now pay later installment platform and our related merchant payment services. We take privacy seriously and we build our decisions around the belief that clarity and honesty belong at the center of every transaction. This page is written in plain English so that you never have to guess what happens to your information after you say yes to a payment plan.
The installment services described on this website are developed and operated by the developer SayYesNow, working on behalf of and within the company named in the next section. When you browse our site, apply for an installment plan or contact our desk, we handle your information in line with the commitments set out on this page.
We are Say Yes Now Pay Later Inc., a company focused on computer integrated systems design and related professional and technical services. Our registered office is located at 39 Mark Lane, Mitchell - R5G 2M5, Canada (CA). Our website address is https://www.sayyesnow.lol and our contact email is talk@sayyesnow.lol.
Where this policy refers to we, us or our, it means Say Yes Now Pay Later Inc. and any of its employees or authorized service partners acting on its instructions. Where this policy refers to you, it means a visitor to our website, a shopper using our installment services, or a merchant who connects their checkout to our platform.
This policy applies to all personal information handled by us in connection with our services. That includes information gathered on our website, information received from merchant partners during the approval of an installment plan, information submitted through our contact form, and information exchanged by email or phone with our support desk.
The policy does not apply to third party websites that link to or from our pages. When you leave our site to visit an external service, that service operates under its own privacy practices and we encourage you to review them before sharing information.
We collect only the information that is needed to run an installment service safely and fairly. The categories of personal information we may collect include the following.
We do not seek to collect sensitive information unless it is strictly required by law and handled with your consent. Where sensitive information is unexpectedly provided to us, we delete it as soon as we discover and can reasonably act on it.
We gather information through several ordinary channels. First, you provide information directly when you complete our contact form, request a demo, register as a merchant or correspond with our team. Second, we receive transaction and approval information when a merchant routes an installment request to our platform through their checkout. Third, we collect technical information automatically from your browser as you navigate our website.
We may also receive information from third parties such as payment processors, fraud prevention services and analytics providers. Where cooperation with a merchant is part of the service, we combine information we receive from the merchant with information you have provided to us to make accurate approval decisions.
We use the information we collect for clear and limited purposes. We use it to operate our installment services, to make approval decisions, to schedule payments, to settle transactions with merchants, to communicate with you about your plan, to respond to your enquiries and to support you when something requires attention.
We also use information to keep our platform secure, to detect and prevent fraud, to verify identity, to comply with legal and regulatory obligations, and to improve the experience of shoppers and merchants. From time to time we send service messages that relate to your account or your plan. These are part of the service and are not marketing. We do not send promotional messages unless you have separately agreed to receive them, and even then we make it simple to opt out with every message.
In practice this means your information is used for the job at hand and nothing more. A contact form message is used to answer your question. An installment application is used to decide and then manage your plan. A settlement record is used to pay the merchant and to keep your plan accurate. When a task is finished and the law no longer requires the record, we remove or anonymize the detail so that it does not sit around unused.
We do not sell personal information. We do not use personal information for purposes that are incompatible with the purposes described here without telling you and, where required by law, obtaining your consent.
We rely on several lawful bases for processing personal information depending on the situation. When we provide a service you have requested, we process information to perform that contract. When we assess an installment application, we process information on the basis of legitimate interests in operating a fair and sustainable lending decision.
When we send you important service communications, we act on our legitimate interest in keeping you informed about your account. When the law requires us to keep records for tax, anti-money laundering or consumer protection purposes, we process information to meet a legal obligation. Where we rely on consent, we will ask for it clearly and you can withdraw consent at any time without affecting the lawfulness of processing that took place before withdrawal.
We keep personal information only for as long as it is needed for the purposes described in this policy. Transaction and settlement records are retained for the period necessary to support reconciliation, dispute resolution, accounting and any legal requirements. When a plan is fully paid and the applicable retention period ends, we delete or anonymize the associated personal information.
Retention periods are decided by function rather than by a single fixed clock. Application and approval data stays only as long as the plan is active and any dispute window has closed. Contact information you give us through a form is kept just long enough to answer and to keep a reasonable note of the exchange. Technical logs and analytics are stripped of unnecessary identifiers quickly. We revisit these periods on a regular basis so that storage follows purpose rather than habit.
Support correspondence and contact form messages are retained for a shorter period sufficient to respond to your enquiry and to keep a reasonable record of the exchange. Technical logs are kept for a limited time to support security monitoring and then removed. Where you exercise your right to erasure, we honor that request subject to any retention obligations imposed by law.
We apply reasonable technical, organizational and administrative measures to protect personal information against unauthorized access, loss, alteration or disclosure. Access to personal information is limited to personnel who legitimately need it to perform their duties. We encrypt data in transit and at rest wherever our platform supports it, and we review our security controls on a regular basis.
No method of transmission over the internet is completely secure, and we cannot guarantee absolute security of information while it travels over networks you do not control. We ask that you keep your own account identifiers secure and report any suspected breach to our desk at talk@sayyesnow.lol without delay.
We are based in Canada and we operate our platform from service providers that may store data in locations outside your country of residence. When personal information is transferred across borders, we take steps to ensure it receives an equivalent level of protection, including contractual safeguards and adherence to recognized privacy frameworks where applicable.
Where a transfer involves a jurisdiction that may not offer the same legal protections, we rely on appropriate safeguards such as standard contractual clauses or verification that the recipient operates under cross border data protection agreements. You can contact us to learn more about the specific safeguards applied to your information.
Depending on where you live, you may have rights in relation to your personal information. These can include the right to access a copy of the information we hold about you, the right to request correction of inaccurate data, the right to request erasure, the right to restrict or object to certain processing, and the right to data portability.
You also have the right to withdraw consent where processing is based on consent, and the right to lodge a complaint with a supervisory authority in your region. To exercise any of these rights, contact us using the details at the end of this policy. We respond to verified requests within the timeframes allowed by applicable law and we may ask you to confirm your identity before acting on a request.
Our services are intended for adults who are old enough to enter into a binding payment agreement in their jurisdiction. We do not knowingly collect personal information from children, and we do not market our services to children. We do not accept installment applications from minors.
If you believe that we have inadvertently collected information from a child, please tell us at talk@sayyesnow.lol and we will take steps to delete the relevant data as quickly as possible and to review our collection practices.
When you enroll as a partner merchant, we collect a small set of business details needed to connect your checkout, settle funds and support your account. This includes your business name, contact person, email, phone, settlement preferences and the storefront details required for integration.
Merchant data is used to operate our settlement and reporting services, to maintain accurate records and to comply with finance and identity verification rules. We do not use merchant contact details for unrelated marketing unless you have agreed to receive such messages.
Our platform relies on a small number of trusted third parties to perform essential functions. Payment processors route card payments securely. Cloud providers host our services. Fraud prevention partners help us make safe approval decisions. Analytics services help us understand how the site is used.
We choose these partners deliberately and review them regularly. Each one signs a contract that limits the purpose for which your information can be used, and each one is expected to protect information with safeguards similar to our own. Where a partner stores data outside the country in which you are located, we apply the international safeguards described earlier in this policy. We will not sell your information to a third party for the purpose of advertising to you.
Each of these providers receives only the information necessary for its role and is bound by contractual terms that prevent them from using the information for their own purposes beyond what is agreed. We periodically review these relationships to confirm they continue to meet a high standard of privacy protection.
Our website may contain links to external pages maintained by merchants, payment providers or information services. When you follow one of these links, you leave our website and enter a service that operates under its own privacy policy. We are not responsible for the practices of those external sites.
We encourage you to read the privacy policy of any external service before providing personal information. The presence of a link on our page does not mean we endorse or control the privacy practices of the destination site.
We may update this Privacy Policy from time to time to reflect changes in our services, technology, or legal requirements. When we make a change, we revise the effective date at the top of this page and we provide notice on our website for material updates.
Significant changes to the way we use personal information will be brought to your attention before they take effect where reasonably possible. We encourage you to review this page periodically so that you remain informed about how we protect your personal information. Continued use of our services after a change means you accept the updated policy.
If you have questions about this Privacy Policy, about your personal information, or about the choices available to you, please contact our desk. We aim to respond to privacy enquiries promptly and to resolve any concern we can address. You may contact us by email at talk@sayyesnow.lol or by phone at +14759778853.
Our registered address is Say Yes Now Pay Later Inc., 39 Mark Lane, Mitchell - R5G 2M5, Canada (CA). When you write to us about privacy, please include enough detail for us to locate the relevant records so that we can help you efficiently.
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