Business registration, payroll management, accounting & tax — everything your Canadian business needs, under one roof. Bilingual support: English · French.
Free 30-minute consultation · No obligation · Expert guidance
Full bilingual support in English and French. We understand the unique challenges of launching a business as a newcomer — from navigating CRA for the first time to transferring capital from abroad.
We operate with complete transparency and are committed to obtaining all required licenses before launching cryptocurrency services
From first incorporation to ongoing financial strategy — we handle it all so you can focus on growing.
NUANS search, Ontario/Federal incorporation, CRA Business Number, HST/GST, minute book, bank guidance. From $499.
CPP/EI calculations, T4/T4A slips, ROE, CRA remittances, WSIB reporting, direct deposit. From $99/mo.
T1/T2 corporate returns, bookkeeping, HST filings, audit support — stay financially compliant year-round.
Part-time Chief Financial Officer: cash flow dashboards, 3-year projections, strategy calls, investor readiness. From $1,000/mo.
Recover up to 35% of R&D expenses. We identify, document, and file your SR&ED claim — contingency fee, no upfront cost.
MSB registration, AML/KYC policy development, compliance officer training — full regulatory support.
We don't just process applications — we guarantee results through proven expertise
Our clients get approved. We know exactly what FINTRAC looks for and deliver documents that meet their standards the first time.
Fast-track your FINTRAC approval. While DIY approaches take 6–12 months, our streamlined process and FINTRAC compliance experience accelerate your timeline.
Battle-tested AML/ATF policies, compliance procedures, and risk management systems used by successful businesses across Canada.
Your personal compliance expert guides you through every step, answers questions within hours, and advocates for you with regulators.
Regulatory approval is just the start. We provide ongoing compliance monitoring, regulatory updates, and audit preparation to keep you compliant.
If you're not satisfied with our service, we'll refund your consultation fees. We stand behind our work with complete confidence.
| Feature | DIY Approach | Payon Expert |
|---|---|---|
| Time to Complete FINTRAC Registration | 6–12 months | 2–3 months |
| Success Rate | ~40% | 99% |
| Document Preparation | Self-research required | Professional templates |
| Compliance Frameworks | Build from scratch | Proven AML/ATF policies |
| Ongoing Support | None | Unlimited expert guidance |
| Risk of Rejection | High (60%) | Minimal (1%) |
| Post-Approval Compliance | Figure it out yourself | Continuous monitoring help |
| FINTRAC Communication | Direct (stressful) | Handled by experts |
See how we've helped businesses achieve compliance and grow with confidence
"Payon Finance transformed our compliance process. What we thought would take 6 months took just 6 weeks. Their expertise in FINTRAC registration is unmatched. The team was responsive, professional, and made the entire process seamless."
"The AML/KYC framework Payon developed for us was exactly what we needed. FINTRAC had zero questions about our submission. Worth every penny — they saved us months of confusion and at least two rejections."
"We tried the DIY route first — spent four months going in circles. Payon had our FINTRAC approval done in 9 weeks. The infrastructure setup they provided was a complete game-changer for our business."
Deposit to your Payon Finance account in CAD, USD, or USDC — we convert and send to EU, UK, UAE, Australia and beyond. Flat $12 fee. 1–2 business days.
Get answers to the most common questions about FINTRAC compliance
The FINTRAC registration process typically takes 2–3 months with expert guidance. Without professional help, it can take 6–12 months with a significantly lower success rate. We streamline the process with proven frameworks and direct FINTRAC experience.
Required documents include: a detailed business plan, AML/KYC compliance policies, director and beneficial owner identification (with background checks), compliance officer designation, corporate registration documents, and a description of all intended financial activities. Our team handles preparation and organization of all materials.
Our packages range from $2,500 (Self-Service) to $7,500 (Professional) and $15,000+ (Enterprise). The initial 30-minute consultation is completely free. Government fees (~$1,000 CAD) and background checks (~$200/director) are separate. Payment plans available — 50% deposit, 50% upon license approval.
Cryptocurrency and digital transfer services are currently pending regulatory approval, targeting a Coming Soon launch. We've already established a Kraken Business partnership and implemented all required AML/KYC procedures. Join our priority waitlist to be among the first notified.
99% success rate (vs. ~40% DIY), 2–3 month timeline (vs. 6–12 months), and a money-back guarantee. Unlike generalist consultants, we focus exclusively on Canadian financial compliance with proven frameworks and dedicated post-approval support.
Our services are specifically designed for businesses operating in Canada or looking to establish Canadian operations. If you're a foreign company entering the Canadian market, we can help you set up the appropriate corporate structure and obtain the necessary licenses.
Book a free 30-minute consultation with our compliance experts. No commitment required. Get personalized advice for your business.
Business registration, payroll management, accounting, and FINTRAC compliance — everything your Canadian business needs under one roof. Bilingual support in English and French.
Payon Finance Inc. specializes in helping businesses navigate FINTRAC registration and navigate the complex landscape of FINTRAC compliance. We combine deep regulatory knowledge with practical implementation experience.
We're committed to providing transparent, professional guidance throughout your compliance journey. From initial consultation to post-license compliance support, we're with you every step of the way.
Highest standards of compliance and regulatory knowledge.
Clear communication about timelines, requirements, and costs.
Your license approval and long-term compliance is our priority.
Leveraging modern technology and best practices in finance.
10+ years in FINTRAC compliance and financial services. Former regulatory consultant at Big 4 accounting firm.
Specializes in AML/KYC policies and FINTRAC reporting. Previously led compliance at major Canadian fintech.
Expert in financial infrastructure and crypto integrations. Built systems for 3 successful financial service launches.
Cryptocurrency exchange infrastructure for institutional clients
Canada's financial intelligence unit — our regulatory authority
Established banking relationships for financial operations
AML/KYC screening and transaction monitoring solutions
Schedule a free consultation to discuss your licensing needs.
From FINTRAC registration to ongoing compliance — everything your Canadian business needs to stay regulated and financially healthy.
Expert guidance through FINTRAC registration and ongoing compliance requirements.
Comprehensive anti-money laundering and know-your-customer policies tailored to your business.
Build robust financial technology infrastructure for your financial operations.
No hidden fees. No surprises. Clear, honest pricing for every stage of your compliance journey.
For experienced founders who want guidance and templates.
Complete support from application to approval.
Comprehensive solution for scaling businesses.
Assess your needs and answer questions
Detailed scope, timeline, and pricing
Gather and organize all required documents
Professional FINTRAC submission
We handle all FINTRAC communications
Compliance guidance and support
Book a free 30-minute consultation to discuss your needs.
Everything you need to know about starting and running a business in Canada with Payon Finance.
An Ontario corporation ($499) lets you operate in Ontario only and use the word "Limited" in your name. A Federal corporation ($799) allows you to operate and use your name across all provinces. Federal is recommended if you plan to expand across Canada or if your business name is very specific (better name protection). Most small businesses start with Ontario incorporation.
Ontario incorporation typically takes 2–5 business days after we receive your documents. Federal incorporation is 10–15 business days. Rush processing is available for Ontario (24 hours). Our all-inclusive packages include all government fees so there are no surprise costs.
No. Work permit holders and some visitors can incorporate a Canadian company. You need a valid SIN number. The requirement is that at least 25% of directors must be Canadian residents (for Federal; Ontario has no such requirement). We'll advise on the right structure for your situation.
A corporate minute book is the official record of your company's legal and governance documents — articles of incorporation, shareholder/director registers, resolutions, and share ledgers. It's legally required in Ontario. If you're ever audited, sold the company, or apply for a business loan, you'll need it. We include minute book setup in all our packages.
Our payroll service covers: gross-to-net salary calculation, CPP and EI deductions, income tax remittances to CRA, direct deposit, T4 and T4A slips at year-end, Records of Employment (ROE) for departing employees, WSIB reporting, and vacation pay tracking. Everything is handled — you just approve the payroll each period.
Most small businesses are regular remitters — remittances are due by the 15th of the month following the pay period. New employers remit by the 15th of the following month for the first year. We handle all remittance timing and submissions so you never miss a deadline or incur penalties.
CRA requires payroll taxes to be calculated and remitted in Canadian dollars, but you can choose what currency you pay employees in. We handle the conversion and reporting. Our transfer portal also allows sending salary payments internationally in CAD, USD, EUR, GBP, AED, AUD, and USDC.
CRA penalties for late remittances start at 3% for 1–3 days late, rising to 10% for more than 7 days late. Repeat offenders face 20% penalties. We monitor all deadlines and send you reminders — with our managed payroll service, late penalties are virtually eliminated.
The T2 corporate tax return is due 6 months after your fiscal year-end. However, any taxes owed must be paid within 2 months of year-end (3 months for CCPCs). We track your fiscal year and file well before the deadline to avoid interest and penalties.
You must register for HST/GST when your worldwide taxable supplies exceed $30,000 in any 12-month period. We recommend registering from day one if you expect to reach this threshold — it allows you to claim input tax credits on business expenses. We handle the registration as part of our business setup packages.
Common deductions include: office rent or home office expenses, professional fees (accounting, legal), business insurance, vehicle expenses (business use portion), advertising and marketing, equipment and software (CCA), employee salaries, bank fees, and business travel. We'll help you identify every legitimate deduction to minimize your tax bill.
An accountant looks backward — they record what happened. A CFO looks forward — they plan where you're going. A Fractional CFO adds strategic financial leadership: cash flow forecasting, fundraising support, investor relations, pricing strategy, and building financial systems. Most growing businesses need both.
Likely yes, if you're doing anything beyond routine programming. Qualifying work includes: developing new algorithms, solving technical uncertainty in building software, creating novel AI/ML models, or overcoming previously unsolved technical challenges. The key test is technological uncertainty — if you weren't sure how to solve it, it likely qualifies. Get a free assessment to find out.
You can file retroactive SR&ED claims for the previous 3 fiscal years. Many businesses discover they've been doing qualifying R&D for years without claiming. Our team will review your past work to identify missed credits and file amendments.
FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) is Canada's financial intelligence agency. You must register as a Money Services Business (MSB) if you deal in foreign exchange, cryptocurrency, money transfers, or payment processing. Non-compliance carries fines up to $2M and criminal prosecution.
With expert guidance, registration typically takes 2–3 months. DIY applicants often take 6–12 months and have a much lower success rate. We've maintained a 99% success rate by preparing complete, compliant applications and addressing FINTRAC's questions proactively.
After registration, you must: maintain AML/KYC policies, file annual compliance reports, conduct employee training, perform transaction monitoring, file Suspicious Transaction Reports (STRs) when required, and renew your registration every 2 years. Our compliance support packages keep you audit-ready at all times.
We support CAD, USD, EUR, GBP, AED, AUD, and USDC. Our exchange rates are competitive with major banks, typically 1–2% better. Transfers are processed within 1–3 business days (CAD/USD/EUR/GBP) or 2–4 business days (AED/AUD). USDC transfers settle within hours.
The client portal lets you manage your payroll, submit transfer orders, access documents, and configure your settings — all in one place. For transfers: you send funds to our Canadian bank account, specify the recipient and currency, and we send it to their account. The portal tracks the status of every transaction.
Yes. We are registered with FINTRAC, follow strict AML/KYC procedures, and hold client funds in a segregated account at a major Canadian bank. All transfers are fully documented and traceable. We carry professional liability insurance and comply with all FINTRAC reporting requirements.
Book a free consultation — we answer all questions in English and French.
Schedule a free 30-minute consultation with our compliance experts. No commitment, no pressure — just expert guidance for your business.
Mississauga, ON
Canada
FINTRAC Registration In Progress
Monday – Friday: 9:00 AM – 6:00 PM EST
Saturday: 10:00 AM – 2:00 PM EST
Response within 24 business hours
We'll get back to you within 24 business hours.
Your information is secure and encrypted. We never share your data.
Sign in to your client portal to manage payroll, transfers and documents.
Review the payroll summary for June 28, 2026. We'll process all deductions and send CRA remittance automatically.
We've received your transfer order. Processing begins once deposit is confirmed.
From bookkeeping to corporate tax — we handle your numbers so you can focus on growing your business. CRA-compliant, accurate, and delivered on time.
Everything your Canadian business needs to stay financially organized and tax-compliant.
Monthly & quarterly financial records, bank reconciliation, expense categorization, and financial reporting.
Full corporation income tax return preparation, filing, and CRA correspondence on your behalf.
Individual income tax returns including all schedules — self-employed, rental income, investments.
Quarterly and annual HST/GST remittances, input tax credit claims, and CRA account management.
Employee payroll processing, source deductions, T4 preparation, Records of Employment (ROEs).
Compiled balance sheets, income statements, cash flow statements, and management reports.
Full representation during CRA audits, document preparation, appeals, and correspondence management.
Strategic financial planning, cash flow forecasting, budgeting, and executive-level financial advisory.
No hidden fees. Cancel anytime. Start with a free consultation.
For small businesses and sole proprietors getting organized.
For growing businesses that need full financial management.
For established companies needing a dedicated finance team.
30-minute call to understand your business needs and recommend the right package.
We connect to your bank accounts and accounting software, or help you set one up.
We handle your books every month — you get clean reports, on time, every time.
We prepare and file all required returns (T1, T2, HST/GST) before every deadline.
Year-end review, tax planning for next year, and compliance calendar updates.
Year-round CRA communications, questions answered, and advisory on demand.
Free 30-minute consultation — no commitment, no credit card required.
We accept payments in multiple currencies via card, bank transfer, Wise, and Interac — so you can pay easily no matter where you are.
🔒 All transactions are encrypted and secure. For questions: office@payon.finance · +1 (365) 886-8444
We handle all calculations, T4 filings, and CRA remittances — so you focus on growing your business. Fully bilingual. 100% compliant.
Free 30-minute setup call · No long-term contracts · Cancel anytime
No surprises, no missed deadlines. Full ownership of your payroll process.
Accurate Canada Pension Plan and Employment Insurance deductions for every employee, every pay period.
Year-end T4 and T4A slips prepared and filed with the CRA on time — zero stress for your team.
Record of Employment issued promptly when employees leave — critical for EI claims, handled correctly.
Monthly source deduction remittances filed on time, every time. Never miss a CRA deadline again.
Workplace Safety and Insurance Board premiums calculated and reported quarterly for Ontario businesses.
Employee direct deposit configuration and digital pay stub delivery — on time, every pay cycle.
All plans include CRA filings, direct support, and zero setup fees.
For owner-operators and freelancers with no employees yet.
For small businesses with up to 5 employees.
Full-service payroll for teams up to 15 employees.
For 15+ employees or complex multi-province payroll needs.
We review your business structure, number of employees, and pay schedule in a 30-minute call.
Each pay period, send us timesheets or connect your scheduling software. We calculate everything.
You review the payroll summary, approve, and employees receive direct deposits on time.
All remittances, T4s, and compliance filings handled automatically. You get confirmations.
Free 30-minute setup consultation. We handle everything from day one.
From incorporation to your first payroll — we guide you through every step. Fully bilingual support in English and French.
Free 30-minute consultation · Fast turnaround · Bilingual support
We handle all paperwork, registrations, and filings — you focus on your idea.
We search and reserve your business name to ensure it's unique and available across Canada.
Articles of Incorporation filed with the Ontario government. Fast, compliant, affordable. 5–7 business days.
Operate nationwide under a federal charter. Ideal for businesses planning to expand beyond Ontario.
Your company's tax identity in Canada. Required before you can open a business bank account or hire employees.
Mandatory when revenue exceeds $30,000. We register you and explain your quarterly reporting obligations.
All corporate documents organized and maintained — essential for banking, investors, and CRA audits.
We prepare all required documents and help you choose the right bank for your business type and needs.
Annual corporate filing with the government — we remind you and file on your behalf every year, on time.
All packages include a free consultation and dedicated support throughout the process.
Everything to register your Ontario corporation and start operating legally — fast and hassle-free.
Federal incorporation + full CRA setup. Operate in all Canadian provinces from day one.
Everything to launch + 1 full year of tax compliance + first corporate tax return included.
Our team understands the specific challenges of launching a business as a newcomer to Canada — from navigating the CRA for the first time, to understanding incorporation types, to transferring startup capital from abroad. We've helped hundreds of newcomer entrepreneurs launch their first Canadian business.
Free 30-minute consultation — no commitment, no pressure. We handle the rest.
Get C-suite financial strategy without the C-suite salary. We embed as your part-time CFO to drive growth, attract investors, and optimize your financial engine.
A Fractional CFO is a seasoned financial executive who works with your company part-time. You get the strategic vision of a full-time CFO at a fraction of the cost — ideal for growing businesses that need expertise without a $200K+ salary commitment.
Real-time cash flow monitoring, 13-week rolling forecasts, and proactive strategies to ensure you never run out of runway.
3-year financial models, scenario planning, and KPI dashboards that turn your vision into a bankable business plan.
Pitch deck financials, cap table modeling, due diligence preparation, and guidance through term sheet negotiations.
Implement accounting systems, automate reporting, and build the financial infrastructure that scales with your growth.
Loan applications, government grants (IRAP, CDAP), credit line negotiations, and relationships with Canadian business banks.
Financial due diligence, business valuation, deal structuring, and integration planning for acquisitions or exits.
Up to 4 hours/month. Monthly financial review, KPI report, and email support.
Up to 20 hours/month. Full strategic CFO partnership with weekly touchpoints.
Free 30-min call to understand your needs and goals
Review your current financials, systems, and key metrics
Custom financial roadmap with quick wins and long-term goals
Regular calls, reporting, and always-available support
Book a free 30-minute strategy call. No commitment required.
The SR&ED program is Canada's most generous tax incentive. Most businesses that qualify don't know it — our specialists find and claim every dollar you're owed.
Paid out annually by CRA to Canadian businesses
Maximum refundable credit rate for CCPCs
Credit rate for larger corporations and non-refundable
Can claim retroactively for past tax years
New algorithms, novel architectures, overcoming technical uncertainty in building software products.
Process improvements, prototype development, material testing, and production optimization.
Drug development, clinical trials, medical device innovation, and formulation research.
Renewable energy systems, environmental technology, sustainable processes and materials.
Training novel models, advancing ML methods, developing AI-powered products beyond existing knowledge.
Novel building materials, innovative structural systems, experimental construction techniques.
You were trying to overcome a challenge where the solution wasn't known
Your work aimed to advance knowledge in a technical field
Work was conducted through experimentation and hypothesis testing
Our SR&ED specialists identify, document, and file your claim. You focus on innovation — we handle the paperwork.
We review your business activities to identify SR&ED eligible work. Zero cost, zero commitment.
Our SR&ED writers craft compliant technical narratives that satisfy CRA reviewers.
We maximize your claim by accurately calculating all eligible expenditures and applying the best method.
We file with CRA and handle any review or audit correspondence on your behalf.
No upfront fees. We charge a percentage of the credit we recover — so our incentives are perfectly aligned with yours.
of recovered credits (contingency)
if we don't recover anything
Get a free SR&ED assessment — most businesses are surprised by how much they qualify for.
Everything a newcomer needs to launch a legitimate, CRA-compliant business in Canada — in one complete package, in your language.
English and French speaking advisors. No language barrier when it matters most.
Your business registered and operational in as little as 2 weeks from start to finish.
We've helped 50+ newcomer entrepreneurs build thriving businesses in Ontario.
One price, one team, zero hidden costs. From incorporation to first invoice — we're with you.
All-inclusive. Government fees included. No surprises.
30-minute call in English or French. We understand your goals, suggest the right business structure, and explain your options.
Simple checklist of what we need: SIN, PR card or work permit, address, business name ideas. Secure portal upload — no in-person visits required.
We file your corporation with Ontario, register your BN and HST/GST with CRA. You receive your Certificate of Incorporation and official documents.
We set up your accounting software, create invoice templates, and guide you through opening a business bank account at TD, RBC, or Scotiabank.
Legal company, CRA accounts, accounting system, banking — everything ready. Start serving clients and growing your Canadian dream.
"Переїхав до Канади у 2022 і не знав з чого починати. Payon Finance зробили всю роботу за мене — за 2 тижні я вже мав компанію і рахунок у банку."
"As a newcomer, I was worried about navigating the tax system. The team explained everything clearly in English and my business was running smoothly within weeks."
"Дуже вдячна за підтримку на кожному кроці. Від назви компанії до першого рахунку — все пройшло ідеально. Тепер маю 3 клієнтів і плануємо розширення!"
Yes! Work permit holders and even some visitors can incorporate a Canadian company. You need a valid SIN and at least one director must be a Canadian resident (we can advise on structure).
Ontario incorporation typically takes 2–5 business days after we receive your documents. Federal incorporation is 10–15 days. With rush processing available, we can often do it in 24 hours.
No. Everything is 100% remote. Document collection via our secure portal, calls via Zoom, and all signatures through DocuSign. We serve clients across Ontario and Canada.
After the initial setup, you'll need annual accounting (from $699/yr for simple returns) and corporate tax filing. We offer bundled ongoing packages from $99/month that cover bookkeeping and annual filing.
Free 30-minute consultation. We speak English & French.
Please read these terms carefully before using Payon Finance services.
Payon Finance Inc. ("Payon Finance", "we", "us", or "our") is a federally registered Money Services Business (MSB) operating under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA), supervised by FINTRAC. Our head office is located in Mississauga, Ontario, Canada. We provide payroll processing, international money transfers, business registration, and accounting services to clients across Canada.
By accessing our website, portal, or engaging any of our services, you confirm that you have read, understood, and agree to be bound by these Terms & Conditions. If you do not agree, you must not use our services. These terms apply to both individual and business clients.
Before any money transfer or regulated financial service is initiated, all clients must complete our Know Your Customer (KYC) verification process. This includes:
We reserve the right to decline or suspend service to any client who fails to meet our verification requirements or whose transactions raise compliance concerns.
The following conditions apply to all international transfer services:
Payroll processing, accounting, tax filing, and business registration services are provided subject to separate service agreements and pricing schedules confirmed at the time of engagement. Timelines, deliverables, and fees are outlined in the applicable service proposal or engagement letter provided to the client.
As a registered MSB, Payon Finance is legally required to comply with all obligations under PCMLTFA and FINTRAC regulations. This includes:
By using our services, you consent to the collection, use, and disclosure of your personal and financial information as required by applicable law.
Our services are offered strictly for lawful business and personal financial purposes. You agree that you will not use Payon Finance services, directly or indirectly, for:
Any suspected misuse will be reported to FINTRAC and relevant law enforcement authorities.
Payon Finance shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services, including but not limited to losses resulting from currency fluctuations, third-party bank delays, or force majeure events. Our aggregate liability shall not exceed the fees paid by the client for the specific transaction giving rise to the claim.
These Terms & Conditions are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute arising out of or relating to these terms or our services shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.
For questions, concerns, or complaints regarding these Terms & Conditions or our services, please contact:
We reserve the right to update these Terms & Conditions at any time. Material changes will be communicated via our website. Continued use of our services after any update constitutes acceptance of the revised terms.
Last Updated: June 2026 | Language: English only
How Payon Finance Inc. collects, uses, and protects your personal information.
Last Updated: June 2026
Payon Finance Inc. ("Payon Finance", "we", "us", or "our") is a Canadian corporation registered in Ontario and a Money Services Business (MSB) registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). We provide payroll processing, international money transfers, business registration assistance, and accounting services. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation.
We collect personal information that is necessary to provide our services and meet our legal obligations, including:
We collect this information directly from you, from authorized representatives, or from third-party sources where permitted by law.
We use your personal information to: deliver and administer the services you have requested; verify your identity and comply with Know Your Customer (KYC) obligations; process payroll and remit statutory deductions to the Canada Revenue Agency (CRA); execute international money transfers; register businesses with relevant provincial and federal authorities; prepare financial statements and tax returns; communicate with you regarding your account; and detect and prevent fraud or other unlawful activity.
As a registered MSB, Payon Finance is subject to the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its regulations. We are legally required to: verify the identity of clients before providing certain financial services; collect and retain records of transactions and client identification for a minimum of five (5) years; and report certain transactions to FINTRAC, including large cash transactions, electronic funds transfers, suspicious transactions, and terrorist property reports. These obligations exist independently of your consent and cannot be waived.
We do not sell, rent, or trade your personal information to any third party for commercial or marketing purposes. We may share your information only:
Our website uses cookies and browser localStorage to improve your experience, remember your preferences, and support functional features such as currency calculators and form state. We do not use tracking cookies for advertising purposes. By continuing to use our website, you consent to this use. You may disable cookies in your browser settings; however, some site features may not function correctly as a result.
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, and in any event for the minimum periods required by law — including the five-year FINTRAC retention requirement. We implement reasonable administrative, technical, and physical safeguards to protect your information against unauthorized access, disclosure, alteration, or destruction.
Subject to applicable legal exceptions, you have the right to: access the personal information we hold about you; request correction of inaccurate or incomplete information; withdraw consent to certain uses of your information where consent is the legal basis; and file a complaint with the Office of the Privacy Commissioner of Canada if you believe we have mishandled your information.
To exercise your rights or ask questions about this policy, please contact our Privacy Officer:
We will respond to written requests within 30 days as required by PIPEDA. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.
This Privacy Policy may be updated periodically. Material changes will be posted on this page with a revised "Last Updated" date. Continued use of our services after such changes constitutes acceptance of the updated policy. | Last Updated: June 2026 | Language: English only