Privacy Policy

Last Updated: September 12, 2025

Introduction

Mark Lane Canada Inc., doing business as “Mark Lane” (“Company” “we”, “us,” or “our”) respects your privacy and is committed to protecting it by complying with this policy.

We will only use your personal information in accordance with this policy unless otherwise required by applicable law. We take steps to ensure that the personal information that we collect about you is adequate, relevant, not excessive, and used for limited purposes. Privacy laws in Canada generally define “personal information” as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person.

This policy describes:

How we collect, use, disclose, and protect the personal information of our customers and website users (“you”).
Describes the types of information we may collect from you or that you may provide when you access our website at www.marklane.io or our web and/or mobile applications (collectively, the “Website”) or when you use our foreign exchange and payment services (the “Services”).
Our practices for collecting, using, maintaining, protecting, and disclosing that information.

The Website may include links to third-party websites, plug-ins, services, social networks, or applications. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read the privacy policy of every website you visit. Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is not to use our Website or our Services. By accessing this Website or using our Services, you indicate that you understand, accept, and consent to the practices described in this policy. This policy may change from time to time (see Changes to Our Privacy Policy). Your continued use of this Website or our Services after we make changes indicates that you accept and consent to those changes, so please check the policy periodically for updates. We will notify you in advance of any material changes to this policy and obtain your consent to any new ways that we collect, use, and disclose your personal information.

This policy applies to information we collect, use, or disclose about you:

On this Website.
In email, text, and other electronic messages between you and this Website.
When you interact with us for the provision of our Services.
Offline or through any other means, including on any other Company or third-party website (including those of our affiliates and subsidiaries); and
When you interact with our advertising and applications on third-party websites and services if those applications or advertising include links to this policy.

Information We Collect About You

To provide foreign exchange and payment instructions, or use other foreign exchange or payment services, you must provide certain information required by the Company to execute the transaction and to enable us to comply with our legal obligations associated with our foreign exchange and money transfer services. Failure to provide some of your personal information may affect our ability to provide our Services to you.

We collect and use several types of information from and about you, including:

Personal information, that we can reasonably use to directly or indirectly identify you, such as your name, date of birth, citizenship, residential address, mailing address, email address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, billing and account information, social insurance number (only where required by law or regulation), any “know your client” information, including identity verification records required under applicable laws including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada), regulations and policies made thereunder and other statutes and regulations that take legislative measures against money laundering, terrorist financing and against financial dealings with certain sanctioned individuals and entities, and any other identifier we may use to contact you (“personal information”).
Payment information, which includes information about payers, remitters and beneficiaries for whom a payment is submitted, bank account, routing number, amount and currency, and other financial information necessary to process your transaction.
Business-related information, namely information that related to your business duties, including:
title;
duties;
business address;
business email address; and
business telephone number.
Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your Internet connection, the equipment you use to access our Website, and usage details.
Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), clickstream to, through and from our Website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.

How We Collect Information About You

We use different methods to collect your information, including through:

Direct interactions with you when you provide it to us, for example, by filling in forms or corresponding with us by phone, email, or otherwise.
Automated technologies or interactions, as you navigate through our Website. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
Third parties or publicly available sources, for example, our affiliates, business partners, credit reporting agencies, and other third-party service providers, government bodies and agencies, regulatory bodies, registries, and law enforcement authorities.

Information You Provide to Us

The information we collect directly from you on or through our Website may include:

Information that you provide by filling in forms on our Website or offline, and through your interactions with us. This includes information provided at the time of registering to use our Website or Services or requesting further Services. We may also ask you for information when you report a problem with our Website or Services.
Records and copies of your correspondence (including email addresses), if you contact us.
Your responses to surveys that we might ask you to complete for research purposes.
Details of transactions you carry out through our Website or Services.
Your responses to surveys that we might ask you to complete for research purposes.

Information We Collect Through Cookies and Other Automatic Data Collection Technologies

As you navigate through and interact with our Website, we may use cookies or other automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
Information about your computer and Internet connection, including your IP address, operating system, and browser type.

The information we collect automatically is statistical information and may include personal information, and we may maintain it or associate it with personal information we collect in other ways, that you provide to us, or that we receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

Estimate our audience size and usage patterns.
Store information about your preferences, allowing us to customize our Website according to your individual interests.
Speed up your searches.
Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings that are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
Web Beacons. Pages of our Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

Information We Collect About You

We collect and use several types of information from and about you, including:

Personal information, that we can reasonably use to directly or indirectly identify you, such as your name, date of birth, citizenship, residential address, mailing address, email address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, billing and account information, social insurance number (only where required by law or regulation), any “know your client” information, including identity verification records required under applicable laws including the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada), regulations and policies made thereunder and other statutes and regulations that take legislative measures against money laundering, terrorist financing and against financial dealings with certain sanctioned individuals and entities, and any other identifier we may use to contact you (“personal information”).
Payment information, which includes information about payers, remitters and beneficiaries for whom a payment is submitted, bank account, routing number, amount and currency, and other financial information necessary to process your transaction.
Business-related information, namely information that related to your business duties, including:
title;
duties;
business address;
business email address; and
business telephone number.
Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature.
Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your Internet connection, the equipment you use to access our Website, and usage details.
Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), clickstream to, through and from our Website (including date and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.

How We Use Your Information

We use information that we collect about you or that you provide to us, including any personal information:

To present our Website and its contents to you.
Information about your computer and Internet connection, including your IP address, operating system, and browser type.
To fulfill the purposes for which you provided the information or that were described when it was collected.
To verify your identity.
To determine your eligibility for the products or services which you are applying for.
To administer your account and the products and services being provided to you.
To communicate with you (including responding to any inquiries you may make).
To help us analyze and understand your needs in order to serve you better and personalize your experience with us or our affiliates and to help us and our affiliates develop new products and services.
To assess your eligibility for other products or services or to renew your current products and services, with us or our affiliates.
To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection purposes.
To comply with applicable laws and requirements of regulators.
To notify you about changes to our Website or any products or services we offer or provide though it.
To improve our Website, products or services, marketing, or customer relationships and experiences.
In any other way we may describe when you provide the information.
For any other purpose with your consent.

We may also use your information to contact you about products and services that may be of interest to you (including any new products or services, or the products and services of our affiliates and third-party partners), as permitted by law. You can opt out of these marketing communications at any time by clicking on the unsubscribe link included in marketing email communications or by contacting us as set out under Contact Information below. Please note that you will continue to receive transactional or informational electronic communications from us after opting out. For more information, see Choices About How We Use and Disclose Your Information.

Disclosure of Your Information

We may disclose personal information that we collect or you provide as described in this privacy policy:

We may disclose aggregated information about our customers and users, and information that does not identify any individual, without restriction.

To our subsidiaries and affiliates for the purposes described in this policy.
To our business partners, contractors, service providers, agents, and other third parties that perform services for you, for us or on our behalf, and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.
In accordance with applicable law, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Company about our customers and users is among the assets transferred.
Where personal information is transferred outside Canada, it may be subject to the laws and access rights of foreign jurisdictions, including access by courts, law enforcement, and national security authorities.
To fulfill the purpose for which you provide it.
For any other purpose disclosed by us when you provide the information.
With your consent.

We may also disclose your personal information:

To comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law.
To enforce or apply our terms of use and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

Please note that the Company does not sell or disclose your personal information to third parties for marketing purposes.

Consent to Collection, Use, and Disclosure of Payment Information

You acknowledge that we may receive information regarding payment recipients, counterparties, and other entities in connection with the transactions you carry out through our Services (collectively, “Payment Information”).You consent to the collection, use, and disclosure of Payment Information by us, our affiliates (including Mark Lane Inc. and any other Mark Lane Inc. companies), and our business partners for legitimate business purposes.You acknowledge that we, our affiliates and our business partners may provide information to entities identified through Payment Information regarding our products and services, and you consent to the use of Payment Information for this purpose.This consent is a material condition of our provision of Services, and your use of our Services constitutes ongoing consent to such activities.

Transferring Your Personal Information

We may transfer personal information that we collect or that you provide as described in this policy to our business partners, contractors, service providers, and other third parties we use to support our business and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the personal information with the same standards set out in this policy.We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. Whenever we engage a service provider, we require that its privacy and security standards adhere to this policy and applicable Canadian privacy legislation.You are welcome to contact us to obtain further information about Company policies regarding service providers outside of Canada. See Contact Information and Challenging Compliance.By submitting your personal information or engaging with the Website and our Services, you consent to this transfer, storage, or processing.

Choices About How We Use and Disclose Your Information

We have created mechanisms to provide you with the following control over your information:

We strive to provide you with choices regarding the personal information you provide to us.

Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe’s website. If you disable or refuse cookies, please note that some parts of this Website may not be accessible or may not function properly, and that this may impair the quality of the services that we provide to you in relation to your account. For more information about tracking technologies, see Information We Collect Through Cookies and Other Automatic Data Collection Technologies.
Promotional or Marketing Communications. If you no longer wish to have your contact information used by the Company to promote our own or third parties’ products or services, you can opt out by contacting us as set out under Contact Information below. If we have sent you a promotional or marketing email, you may unsubscribe by clicking the unsubscribe link we have included in the email. Please note that even if you opt out of such communications, we may still need to contact you to provide account-related information.

Data Security

The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

Data Retention

Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. We are legally required to retain certain identification and transaction records for at least five (5) years, as required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (Canada). Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.

Accessing and Correcting Your Personal Information

We will provide access to your personal information, subject to exceptions set out in applicable privacy legislation. Examples of such exceptions include:

Information protected by solicitor-client privilege.
Information that is part of a formal dispute resolution process.
Information that is about another individual that would reveal their personal information or confidential commercial information.
Information that is prohibitively expensive to provide.

It is important that the personal information we hold about you is accurate and current. Please keep us informed if your personal information changes. By law you have the right to request access to and to correct the personal information that we hold about you. This includes obtaining details about what personal information was collected about you, how and why it was collected, how we process it, the categories of persons (internally and externally) and service providers who have access to or have been disclosed your personal information, the jurisdictions where your personal information may be disclosed, and how long we retain your personal information (subject to certain exceptions prescribed by applicable laws and regulations).If you want to review, verify, correct, or withdraw consent to the use of your personal information you may send us an email at service@marklane.io to request access to, correction, or deletion of any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. We may charge you a fee to access your personal information, however, we will notify you of any fee in advance.We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable laws may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions.

Withdrawing Your Consent

Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, please contact us at service@marklane.io. Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision. Please note that even if you withdraw consent, we may be required to retain certain information for anti-money laundering compliance purposes as required by law.

Changes to Our Privacy Policy

We will post any changes we make to our privacy policy on this page. If we make material changes to how we treat our users’ personal information, we will notify you by email to the primary email address specified in your account or through a notice on the Website home page.We include the date the privacy policy was last revised at the top of the page. You are responsible for ensuring we have an up-to-date, active, and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Contact Information and Challenging Compliance

We welcome your questions, comments, and requests regarding this privacy policy and our privacy practices.
Please contact us at:

Mark Lane Canada Inc.
4500, 855 – 2^nd Street S.W.
Calgary, Alberta T2P 4K7
Email: privacy@marklane.io
Attention: Privacy Officer

We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy, please contact our Privacy Officer using the contact information listed above.

Privacy Policy

Introduction

Information We Collect About You

How We Collect Information About You

Information You Provide to Us

Information We Collect Through Cookies and Other Automatic Data Collection Technologies

Information We Collect About You

How We Use Your Information

Disclosure of Your Information

Consent to Collection, Use, and Disclosure of Payment Information

Transferring Your Personal Information

Choices About How We Use and Disclose Your Information

Data Security

Data Retention

Accessing and Correcting Your Personal Information

Withdrawing Your Consent

Changes to Our Privacy Policy

Contact Information and Challenging Compliance

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