Last updated: January 14, 2026
This Privacy Policy explains how Integrated Rewards Inc. (the “Company”, “Integrated Rewards”, “IR”, “we”, “us”, or “our”) collects, uses, discloses, and protects information provided by users (“Users”, “Members”, “you”, or “your”) through any website, mobile application, embedded experience, or rewards or cashback platform that is owned, operated, managed, or powered by Integrated Rewards (collectively, the “Platform”).
Platforms operated by Integrated Rewards may include, without limitation, Paymi, Save.ca Cashback, CST Rewards, Affina, and other current or future programs.
By accessing or using a Platform or the Services, or by submitting information to us, you agree to the terms of this Privacy Policy. This Policy forms part of, and is incorporated by reference into, the Integrated Rewards Terms of Use.
If you have questions about this Policy, please contact us before submitting Personal Information at support@integratedrewards.ca
Collect
Means to gather, acquire, or obtain Personal Information from any source, including third parties.
Consent
Means a voluntary agreement to the collection, use, or disclosure of Personal Information, which may be express or implied, subject to applicable law.
Marketing Partners
Means third parties with whom Integrated Rewards has entered into marketing, distribution, or loyalty arrangements.
Network Partners
Means financial institutions, loyalty programs, or third-party platforms that distribute Integrated Rewards offers through their own channels.
Member
Means any individual or entity using the Services for whom an account has been created or is in the process of being created.
Merchant
Means any retailer or service provider participating in the Services and making offers available through a Platform or Network Partner.
Offer Related Purchase
Means a qualifying transaction made in accordance with a Merchant offer.
Personal Information
Means information about an identifiable individual, including name, email address, and transaction-related data, as defined under applicable privacy law.
Service
Means all cashback, rewards, technology, content, and related services provided by Integrated Rewards.
We may collect the following categories of information:
- Account and Identity Information
- Name
- Email address
- Account credentials
- Province or region of residence
- Transaction and Rewards Information
- Transaction data necessary to determine offer eligibility
- Cashback balances and redemption activity
- Merchant interaction data
- Technical and Usage Information
- IP address
- Device identifiers
- Browser type
- Operating system
- Date and time stamps
- Interaction logs
- Information from Partners
If you access the Services through a Marketing Partner or Network Partner, we may receive information such as:
- Confirmation of membership or eligibility
- Aggregated transaction descriptors
- Offer engagement data
Integrated Rewards does not store banking login credentials.
We use cookies and similar technologies to:
- Enable Platform functionality
- Improve user experience
- Measure aggregate usage
Cookies do not capture personal communications or banking credentials. You may manage cookie preferences through your browser settings, though some Platform features may be unavailable if cookies are disabled.
Integrated Rewards may engage in interest-based or online behavioural advertising to present offers that may be relevant to you. Advertising may be delivered by Integrated Rewards or by third-party ad networks. You can manage advertising preferences through industry opt-out tools such as:
- youradchoices.ca
- aboutads.info
We use Personal Information to:
- Create and manage Member accounts
- Validate identity and eligibility
- Determine Offer Related Purchases
- Issue cashback awards
- Display account activity
- Communicate Service updates and offers
- Prevent fraud and misuse
- Improve Services and develop new offerings
- Meet legal, regulatory, audit, and security requirements
We may disclose Personal Information:
- To service providers acting on our behalf
- To Marketing Partners or Network Partners where necessary to operate the Services
- To prevent fraud or unlawful activity
- Where required or authorized by lawWith your consent
Integrated Rewards does not disclose personally identifiable transaction data to Merchants.
Integrated Rewards may analyze, use, sell, license, or disclose aggregated and anonymized data derived from Member activity. This data does not identify individual Members and is used for analytics, insights, and business purposes.
Personal Information is primarily stored in Canada but may be processed or accessed outside of Canada by trusted service providers. Where Personal Information is processed outside Canada, it may be subject to the laws of that jurisdiction. Integrated Rewards takes reasonable measures to protect Personal Information in all locations.
Personal Information may be used or disclosed in connection with a proposed or completed business transaction, including a merger, acquisition, financing, or sale of assets. Successor entities may use Personal Information in accordance with this Policy.
Survey responses are collected and reported in aggregate. Individual responses are not attributed to identifiable Members.
Any information shared in public forums may be visible to others. We recommend exercising caution when posting Personal Information publicly.
This Policy does not apply to third-party websites. We encourage you to review their privacy policies before providing information.
You may opt out of non-essential promotional communications at any time. Service-related messages required for Platform operation cannot be fully opted out of.
Opting out of Integrated Rewards communications does not opt you out of Merchant or Network Partner communications you have separately consented to.
You may request access to, correction of, or deletion of your Personal Information by contacting support@integratedrewards.ca. Requests are subject to legal limitations.
Integrated Rewards uses administrative, technical, and physical safeguards to protect Personal Information. No system is completely secure, and we cannot guarantee absolute protection.
You may withdraw consent at any time, subject to legal or contractual restrictions. Withdrawal of consent may limit our ability to provide Services.
The Services are not intended for individuals under the age of majority. If Personal Information relating to a minor is identified, it will be deleted where required by law.
Personal Information is retained as long as necessary to provide Services and meet legal obligations. Some information may be retained after account closure for compliance purposes.
We may update this Policy from time to time. Updates will be posted on the Platform. Continued use of the Services constitutes acceptance of the updated Policy.
If you have questions or concerns about this Privacy Policy, contact our Privacy Officer:
Integrated Rewards Inc.
Attn: Privacy Officer
1235 Bay Street, Suite 401
Toronto, ON M5R 3K4
Email: support@integratedrewards.ca
