Privacy Policy

S.E.E.D. Card Services ("S.E.E.D.", "we", "our", or "us") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, retain, and protect your personal information when you visit our website, apply for or use a S.E.E.D. prepaid card, contact our customer support team, or otherwise interact with us.

Our prepaid card program is provided in partnership with Zum Rails, the card issuer and regulated financial services provider. Certain personal information is collected and processed by Zum Rails in accordance with its legal and regulatory obligations.

By using our website or services, you acknowledge that you have read and understand this Privacy Policy.

1. Scope

This Privacy Policy applies to:

• Visitors to our website;
• Individuals applying for or using a S.E.E.D. prepaid card;
• Mobile application users (if applicable);
• Customer support inquiries;
• Marketing communications;
• Business partners and service providers interacting with S.E.E.D.

2. Personal Information We Collect

Depending on the services you use, we may collect:

Identification Information

• Full name
• Date of birth
• Residential and mailing address
• Telephone number
• Email address
• Government-issued identification
• Photograph or selfie (where identity verification is required)

Financial Information

• Card account information
• Card balance information
• Transaction history
• Funding source information
• Bank account details (where applicable)
• Payroll or direct deposit information
• Refund information

Identity Verification Information

To comply with Canadian anti-money laundering and Know Your Customer (KYC) requirements, identity verification may include:

• Government-issued identification
• Proof of address
• Identity verification results
• Sanctions screening
• Politically Exposed Person (PEP) screening
• Beneficial ownership information where required

Some or all identity verification functions may be performed by Zum Rails or its authorized service providers.

Technical Information

When you visit our website, we may automatically collect:

• IP address
• Browser type
• Operating system
• Device identifiers
• Website usage information
• Cookies and similar technologies
• Referral URLs
• Log files

3. How We Collect Information

We collect personal information:

• Directly from you
• During card applications
• Through our website
• During customer support interactions
• From identity verification providers
• From payment processors
• From financial institutions
• From fraud prevention services
• From public records where permitted by law
• From Zum Rails in connection with administration of the prepaid card program

4. How We Use Your Information

We use your information to:

• Open and administer your prepaid card account
• Verify your identity
• Prevent fraud
• Detect suspicious activity
• Comply with anti-money laundering legislation
• Meet regulatory obligations
• Process card transactions
• Process card loads and withdrawals
• Provide customer service
• Respond to inquiries
• Improve our products and services
• Maintain website security
• Conduct internal reporting and analytics
• Send account notifications
• Provide legally required notices
• Send marketing communications where you have provided consent

5. Legal Basis for Collection

We collect and process personal information:

• With your consent;
• To provide requested services;
• To comply with legal obligations;
• To prevent fraud;
• To protect our legitimate business interests where permitted by applicable law.

You may withdraw consent where legally permissible; however, this may prevent us from providing certain services.

6. Information Sharing

We do not sell your personal information. We may share personal information with:

Zum Rails

Because your prepaid card is issued by Zum Rails, information necessary to:

• Issue your card
• Verify identity
• Process transactions
• Manage your account
• Comply with financial regulations
• Detect fraud
• Meet legal obligations

may be shared with Zum Rails.

Service Providers

We may disclose information to trusted third parties that provide:

• Identity verification
• Payment processing
• Card production
• Customer support
• Cloud hosting
• Data storage
• Analytics
• Fraud detection
• Communications services
• Regulatory reporting

These providers are contractually required to safeguard your information.

Legal Authorities

We may disclose information where required to:

• Comply with court orders
• Respond to lawful requests
• Meet regulatory obligations
• Prevent financial crime
• Protect legal rights
• Investigate fraud

7. Anti-Money Laundering Compliance

As a financial services provider, S.E.E.D. and Zum Rails may collect, retain, monitor, and disclose personal information to comply with applicable anti-money laundering, anti-terrorist financing, sanctions, and fraud prevention legislation. This may include ongoing monitoring of account activity.

8. Cookies

Our website uses cookies and similar technologies to:

• Remember preferences
• Improve website functionality
• Analyze website performance
• Enhance security
• Personalize user experience

You may disable cookies through your browser settings; however, certain website functions may not operate correctly.

9. Marketing Communications

With your consent, we may send:

• Product updates
• Promotions
• Educational content
• Special offers

You may unsubscribe at any time using the unsubscribe link included in our communications or by contacting us. Operational and account-related communications will continue where necessary.

10. Data Retention

We retain personal information only as long as necessary to:

• Provide services;
• Meet contractual obligations;
• Comply with legal and regulatory requirements;
• Resolve disputes;
• Detect fraud;
• Enforce agreements.

Financial records may be retained for periods required under Canadian law. When no longer required, information is securely deleted or anonymized.

11. Security

Zum Rails maintains administrative, technical, and physical safeguards designed to protect personal information, including:

• Encryption
• Secure servers
• Multi-factor authentication (if available)
• Access controls
• Network monitoring
• Security testing
• Secure disposal procedures

Although Zum Rails employs industry-standard safeguards, no system can guarantee absolute security.

12. International Data Transfers

Certain service providers may store or process personal information outside Canada. Where this occurs, information may be subject to the laws of the jurisdiction in which it is processed. We require service providers to maintain appropriate privacy and security safeguards.

13. Your Privacy Rights

Subject to applicable law, you may have the right to:

• Access your personal information
• Request correction of inaccurate information
• Withdraw consent where applicable
• Request information about our privacy practices
• Request deletion where legally permissible
• File a complaint regarding our handling of personal information

Requests may require identity verification.

14. Children's Privacy

Our services are not intended for individuals under the age of majority unless permitted by law and accompanied by any required consent. We do not knowingly collect personal information from children without appropriate authorization.

15. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. Users should review the privacy policies of any third-party sites they visit.

16. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Changes become effective when posted on our website. Where required by law, we will provide additional notice.

17. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices, please contact:

S.E.E.D. Card Services
Email: info@seedcard.ca

18. Complaints

If you believe your privacy rights have been violated, please contact S.E.E.D. so we may investigate and respond. If you remain unsatisfied, you may submit a complaint to the Office of the Privacy Commissioner of Canada or any other applicable privacy regulator.

19. Relationship with Zum Rails

S.E.E.D. Card Services administers and markets the prepaid card program. The prepaid cards are issued by Zum Rails, which is responsible for certain regulated financial services functions, including aspects of identity verification, transaction processing, regulatory compliance, and card issuance.

Where your personal information is processed by Zum Rails, it will also be subject to Zum Rails' applicable privacy policies and legal obligations.