This Privacy Policy (the "Policy") sets out how the FPS GLOBAL LTD., (the "Company", "we") collects, uses, processes and shares information about you obtained through the Company-owned and operated online interfaces of the Site located at https://defexa.com (the "Site"). Please read the Policy carefully before using the Site. When submitting your personal data, you will be asked to give your explicit and specific consent to the terms of the processing of your personal data as set out in this Policy. By expressing such consent, you (the “User”), declare that you have read, understood and agree to be bound by the terms of the Policy, including all the specific terms and conditions mentioned therein, without any exceptions or qualifications.

This Privacy Policy and the Cookie Policy form part of the Terms of Use. Please read this Policy carefully and accept it by checking the box next to 'I have read and accept the terms of the Privacy Policy'.

Any reference to "you", "your" etc. shall be construed as a reference to the User or Visitor to the Site, subject to this Policy, the Cookie Policy and the Terms of Use.

The Company respects the privacy of Users of this Site as well as the provisions of applicable privacy laws, including Personal Information Protection Act (British Columbia) ('PIPA BC'), Personal Information Protection and Electronic Documents Act (‘PIPEDA’) and the General Data Protection Regulation (‘GDPR’) of the European Union as the highest global regulatory standard in the field of personal data protection.



In this Policy Agreement, the following terms shall have the following meaning: “Site” means a complex of information, web forms, hardware and software and intellectual property objects (including computer software, database, graphic interface design, content, etc.) accessible from various user devices connected to the Internet through a special software for viewing web pages (browser) at defexa.com, including the domains of the following levels.

“Company” means FPS GLOBAL LTD., [Incorporation number BC1283189], registered in British Columbia, Canada, by the Financial Transactions and Reports Analysis Centre of Canada (‘FINTRAC’) as a Money Service Business (‘MSB’) under the MSB Registration number M21123034.

FPS GLOBAL LTD acts on the market under “Defexa” brand name.

“Account” means a user account accessible after the registration and via the Site, where the User may request for Company’s Services.

“Services” means interface and functionality of the Site available for Users for accepting payments, making transactions and using other Company Services.

“Defexa Agreement” means the agreement made between the Client and the Company when opening a Client Account and requesting for other Company Services.

“Personal Data” means any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person.

“Processing” means any operation or set of operations which is performed on personal data or on sets of personal data, whether or not by automated means, such as collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction;

“Consent of the data subject” means any freely given, specific, informed and unambiguous indication of the data subject’s wishes by which he or she, by a statement or by a clear affirmative action, signifies agreement to the processing of personal data relating to him or her.

The Company can collect the following data:

Types of Data
Application for Account opening and delivering other payment Services to the User
First name;
Last name;
Company name;
Phone number;
Drawing up an application for the User. Concluding and executing the Defexa Agreement, complying with relevant legal requirements to provide the payment services, and to communicate with the User in case of questions in process and since the Services have been delivered.
Subscription for newsletters
The e-mail address, provided by the User, will be used to send the User the information materials on the Company activities, developed or new services.
Usercontactsthe Companythrough various communication channels (telephone number, e-mail, postal address)
Contact data of the User (name, e-mail address, telephone number, return postal address, etc.).
Information is required in order to provide the User with a response or feedback.

The Company shall process the User's Personal Data if there are one or more of the following bases:

Performance of an agreement
The Company processes the User's Personal Data if these data are necessary for the conclusion and performance of agreements with the User (for instance, payment service agreement and other types of agreements).
Legitimate interest
The Personal Data may be processed if it is needed due to marketing, fraud prevention, IT security or other reasons where data processing has a weighed and balanced interest between the Company and individual.
Legal Requirement
Ensuring compliance with applicable laws and protecting legitimate interests and legal rights of the Company, including but not limited to use in connection with legal action, compliance with regulatory, tax and nvestigative purposes (including disclosure of such information) in connection with litigation.
Separate consent is requested from the Company for the following actions:
Distribution of information materials;
Processing of special categories of Personal Data (including health data);
Processing of personal data authorised for further publication on the Site (as part of addressed help request).