Privacy Policy
Last updated December 5, 2025
This privacy notice for Phoenix Business Solutions Inc. (doing business as SnapChing.com) ("we," "us," or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services").
Important Notice About Data Ownership
As a cooperative-based organization, all data captured through SnapChing belongs to the cooperative membership. Personal identifying information will never be sold to third parties. Any revenue generated from statistical or aggregated data analysis is shared back to the cooperative and its members.
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you have any questions or concerns, please contact us at admin@phoenixbussolutions.com.
Table of Contents
- Summary of Key Points
- What Information Do We Collect?
- How Do We Process Your Information?
- What Legal Bases Do We Rely On?
- When and With Whom Do We Share Your Information?
- How Do We Handle Social Logins?
- How Long Do We Keep Your Information?
- How Do We Keep Your Information Safe?
- Do We Collect Information From Minors?
- What Are Your Privacy Rights?
- Controls for Do-Not-Track Features
- Do US Residents Have Specific Privacy Rights?
- Do We Make Updates to This Notice?
- How Can You Contact Us?
Summary of Key Points
What personal information do we process?
When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us. This includes names, email addresses, phone numbers, contact preferences, and transaction data.
Do we process sensitive personal information?
We may process sensitive information when necessary with your consent or as permitted by applicable law, including shopping patterns and account login information.
Data Ownership & Revenue Sharing (Cooperative Model)
All data collected belongs to the cooperative, not to SnapChing. We do not sell personally identifiable information. Any revenue derived from statistical or aggregated data analysis is shared back to cooperative members according to our cooperative bylaws.
Do we receive information from third parties?
We do not receive personal information from third parties without your knowledge and consent.
How do we process your information?
We process your information to provide, improve, and administer our Services, communicate with you, prevent fraud, and comply with applicable laws. We only process information when we have a valid legal reason.
How do we keep your information safe?
We have implemented organizational and technical security measures to protect your information. However, no electronic system is 100% secure, and we cannot guarantee immunity from unauthorized access.
What are your rights?
Depending on your location, you may have rights to access, rectify, delete, or restrict processing of your personal information. You can withdraw consent at any time and opt out of marketing communications.
1. What Information Do We Collect?
Personal Information You Disclose to Us
We collect personal information that you voluntarily provide when you register on our Services, express interest in our products, participate in activities, or contact us.
Information Categories:
- Names
- Phone numbers and email addresses
- Mailing and billing addresses
- Usernames and contact preferences
- Payment card numbers (processed securely)
- Shopping patterns (with consent)
Information Automatically Collected
When you visit our Services, we automatically collect certain technical information:
- Internet Protocol (IP) addresses
- Browser and device characteristics
- Operating system and language preferences
- Log and usage data
- Device identification and location information
This information is necessary to maintain the security and operation of our Services and for internal analytics.
2. How Do We Process Your Information?
We process your personal information for a variety of reasons, depending on how you interact with our Services. We only process information when we have a valid legal reason to do so.
Account Creation and Authentication
We process your information to create and maintain your account securely and allow you to log in to your account.
Service Delivery
We use your information to provide and deliver the services you request.
Marketing Communications
With your consent, we send marketing and promotional communications. You can opt out of our marketing emails at any time.
Security and Fraud Prevention
We process information to protect our Services from fraudulent activity and security threats.
Service Improvement
We evaluate and improve our Services, products, and marketing effectiveness by analyzing usage trends and campaign performance.
Cooperative Benefits
We conduct statistical analysis of aggregated, de-identified data to generate insights. Revenue from this analysis is shared back to cooperative members.
Important Processing Standards
All data analysis for service improvement and cooperative benefits is performed on aggregated, non-identifying data only. Individual identities are never revealed in any analysis.
3. What Legal Bases Do We Rely On to Process Your Information?
We only process your personal information when we have a valid legal reason (legal basis) to do so:
- Your Consent: When you have explicitly agreed to our processing
- Contract Performance: To fulfill obligations in our agreement with you
- Legal Compliance: To comply with applicable laws and regulations
- Legitimate Business Interests: To operate our Services securely and efficiently
- Fraud Prevention: To detect and prevent fraudulent activity
For Canadian Residents: We comply with Canadian federal and provincial privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act).
4. When and With Whom Do We Share Your Personal Information?
We may share your information in the following limited circumstances:
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will provide notice of any such change and any choices you may have regarding your information.
Service Providers
We may share information with trusted third-party service providers who assist us in operating our Services, conducting business, or providing services to you. These providers are contractually obligated to maintain the confidentiality of your information and use it only for the purposes we specify.
Legal Requirements
We may disclose your information when required by law, such as in response to subpoenas, court orders, or other legal processes.
6. How Long Do We Keep Your Information?
We keep your personal information only as long as necessary to fulfill the purposes outlined in this privacy notice, unless a longer retention period is required by law.
When we have no ongoing legitimate business need to process your information, we will either:
- Delete your information
- Anonymize your information (if deletion is not possible)
- Securely store and isolate your information until deletion is possible
Generally, we retain personal information for as long as you maintain an active account with us.
7. How Do We Keep Your Information Safe?
We implement appropriate technical and organizational security measures to protect your information.
However, please be aware that no electronic transmission over the internet or data storage technology is 100% secure. We cannot guarantee that unauthorized third parties will not be able to access your information despite our security efforts.
- Encrypted data transmission (HTTPS/TLS)
- Secure authentication mechanisms
- Regular security audits and updates
- Access controls and monitoring
- Secure backup and recovery procedures
You are responsible for maintaining the confidentiality of your login credentials and should only access our Services from a secure environment.
8. Do We Collect Information From Minors?
We do not knowingly collect data from or market to children under 18 years of age.
By using our Services, you represent that you are at least 18 years of age or that you are the parent/guardian of a minor using the Services.
If we learn that we have collected personal information from users under 18, we will:
- Immediately deactivate the account
- Delete the data from our records as promptly as possible
If you believe we have collected information from a minor, please contact us immediately at admin@phoenixbussolutions.com.
9. What Are Your Privacy Rights?
Depending on your jurisdiction, you may have certain rights regarding your personal information:
Universal Rights
- Access: Request a copy of your personal information
- Correction: Correct inaccurate information
- Deletion: Request deletion of your information
- Opt-Out: Unsubscribe from marketing communications
- Withdraw Consent: Withdraw previously given consent
- Data Portability: Receive your data in a portable format
Opting Out of Marketing Communications
You can unsubscribe from our marketing and promotional communications at any time by:
- Clicking the unsubscribe link in our emails
- Replying "STOP" or "UNSUBSCRIBE" to our SMS messages
- Contacting us at admin@phoenixbussolutions.com
Note: We may still send you service-related messages necessary for account administration or legal compliance.
Account Management
To review, change, or terminate your account:
- Log into your account settings and update your information
- Contact us using the information at the end of this policy
Upon termination request, we will delete your account and information from active databases. However, we may retain some information in archives for fraud prevention, legal compliance, and dispute resolution.
10. Controls for Do-Not-Track Features
Most web browsers and mobile operating systems include a "Do-Not-Track" (DNT) feature or setting. Currently, there is no industry standard for recognizing and implementing DNT signals.
At this time, we do not respond to DNT browser signals or other mechanisms that automatically communicate your choice not to be tracked online. However, we will update this policy if industry standards change.
11. Do United States Residents Have Specific Privacy Rights?
If you are a resident of California, Colorado, Connecticut, Utah, or Virginia, you have specific privacy rights under state law.
California Residents (CCPA)
Under the California Consumer Privacy Act, you have the right to:
- Know what personal information we collect and how we use it
- Delete your personal information
- Opt out of the "sale" of your personal information
- Non-discrimination for exercising your rights
- Correct inaccurate personal information
Colorado, Connecticut, Utah & Virginia Residents
You have similar rights under the Colorado Privacy Act (CPA), Connecticut Data Privacy Act (CTDPA), Utah Consumer Privacy Act (UCPA), and Virginia Consumer Data Protection Act (VCDPA), including the right to:
- Be informed about data processing
- Access your personal data
- Correct inaccuracies
- Request deletion
- Opt out of targeted advertising and data sales
- Appeal our decisions on data requests
How to Exercise Your Rights
To exercise any of these rights, please:
- Email us at privacy@phoenixbussolutions.com
- Submit a data subject access request through our website
- Contact us using the information at the end of this policy
Verification: We may require you to verify your identity before processing your request. We will respond to your request within the timeframe required by law (typically 30-60 days).
Right to Appeal
If we decline your request, you have the right to appeal. We will respond to your appeal within 45-60 days with a written explanation.
12. Do We Make Updates to This Notice?
Yes, we will update this privacy notice as necessary to stay compliant with relevant laws and reflect changes to our practices.
The "Last Updated" date at the top of this notice indicates when it was last revised. If we make material changes, we will notify you by:
- Prominently posting the changes on our website
- Sending you a direct notification
We encourage you to review this privacy notice periodically to stay informed about how we protect your information.
13. How Can You Contact Us About This Notice?
If you have questions or comments about this privacy notice, you may contact us at:
Mailing Address
Phoenix Business Solutions Inc.
3 Chatham Dr NW
Calgary, AB T2L 0Z4
Canada
Phone
Calgary: (587) 210-2299
Kelowna: (778) 403-7676
14. How Can You Review, Update, or Delete Your Data?
You have the right to request access to, change, or delete the personal information we collect from you.
To submit a request, please:
- Complete and submit a data subject access request through our website at https://snapching.com/merchant-services
- Email us at admin@phoenixbussolutions.com
- Contact us using the information above
We will process your request in accordance with applicable privacy laws and respond within the required timeframe.
About Our Cooperative Model
SnapChing operates as a cooperative where data ownership belongs to the collective membership. We believe in transparency, fairness, and shared value creation. Your data is an asset of the cooperative, not of SnapChing as a company. Revenue from data analysis and insights is returned to members. We are committed to protecting individual privacy while enabling collective benefit.
5. How Do We Handle Your Social Logins?
Our Services offer you the ability to register and log in using third-party social media accounts (such as Facebook or Twitter). If you choose this option, we will receive certain profile information from your social media provider, which may include:
We use this information only as described in this privacy notice. We are not responsible for how your social media provider uses your information. Please review their privacy policies separately.