Privacy Consent

1.1 The Merchant, on its own behalf and as agent and on behalf of each Applicant, hereby authorizes Moneris to collect, store, use (including to create or otherwise derive data from), handle, reproduce, transfer, exchange, transmit, process or disclose to third parties (including to RBC, BMO, our affiliates, strategic partners, agents and service providers, Card Issuers, Card Brands, credit and debt recovery agencies and similar parties connected to Card services, some of which may be located outside of Canada) ("Processing") any financial, credit, Transactions, sales, experience, commercial and other information  about the Merchant and/or the Applicant obtained in connection with the Agreement for the following purposes (the "Purposes"):

(i) to respond to your application and evaluate your eligibility for our services and to provide you with and administer the services contemplated in the Agreement;

(ii) to determine the Merchant's and/or the Applicant's, identity including matching records or credit information;

(iii) to perform screenings against applicable sanctions and industry watch lists, including the MATCH System;

(iv) to determine the Merchant's and/or the Applicant's financial situation by collecting credit and related financial information from our affiliates, RBC, BMO, strategic partners, credit agencies, other financial institutions and from references provided by the Applicant;

(v) to detect, investigate, prevent, reduce or otherwise address fraud, security or technical issues;

(vi) for reporting purposes under Card Brand Rules and Regulations, including reporting the Merchant and the Applicant on the MATCH System when required;

(vii) to enhance or improve our or our affiliates' (including RBC or BMO) products or services generally;

(viii) for marketing purposes, including so that we and/or our affiliates (including RBC or BMO) may determine your eligibility for and offer you products, services or business opportunities that may be of interest to you;

(ix) to perform statistical analysis, research and development activities and/or for evaluating our merchant portfolio (including for secondary internal research purposes, such as enterprise analytics);

(x) to meet legal, regulatory, audit, processing and security requirements;

(xi) in connection with an actual or potential sale, reorganization, consolidation, merger or amalgamation of our business; and

(xii) for other purposes as may be required or permitted by applicable law (for example, authorized uses of de-identified information pursuant to applicable law).

1.2 Any Processing by Moneris will be in accordance with Moneris' privacy notice (set out at the following URL: https://www.moneris.com/en/Legal/Privacy-Notice and the Terms and Conditions.

1.3 On request of the Merchant and/or the Applicant, Moneris will assist the Merchant and/or the Applicant, as applicable, in better understanding the scope of the consent sought for the Purposes, providing access to Merchant's and/or Applicant's Personal Information held by Moneris and correcting Personal Information on request of the Merchant and/or Applicant. In addition, where Moneris relied on the Merchant and/or the Applicant's consent to Process Personal Information for any of the Purposes, the Merchant and/or the Applicant, as applicable, will have the right to withdraw his or her consent at any time, subject to legal or contractual restrictions and on reasonable notice to Moneris, and with the understanding that any decision to withdraw consent may limit Moneris' ability to provide the Merchant and/or the Applicant with the requested services or other Moneris services, products or information.

1.4 The Merchant acknowledges and agrees that Personal Information provided by the Merchant in connection with the Agreement, including about Merchant's customers, will be received by Moneris in its capacity as a service provider for the Merchant and, on request of such individual whose Personal Information is provided to Moneris by the Merchant, the Merchant will assist the individual in understanding the scope of the consent sought.

1.5 For Quebec Residents: Personal Information provided by the Merchant and/or the Applicant in connection with the Agreement may be communicated outside of Quebec.