Guardian Wallet is designed to help Canadian consumers manage subscriptions, protect personal information, and control recurring payment credentials. This page explains our public compliance commitments.
1. Our Compliance Model
Guardian Wallet operates as a consumer software platform for subscription management, privacy controls, email aliases, merchant-specific Virtual Card controls, alerts, and cancellation assistance.
Guardian Wallet's intended launch model is:
- Guardian Wallet provides software, dashboards, alerts, and user-facing controls.
- Card issuance and regulated payment processing are provided by an Issuer/Payment Partner to be confirmed before launch.
- Guardian Wallet does not intend to hold customer funds independently of its Issuer/Payment Partner model.
- Guardian Wallet does not independently settle payment transactions.
- Guardian Wallet does not intend to operate a deposit account, stored-value wallet balance, or money-transfer account unless separately disclosed under applicable terms and provider controls.
- Guardian Wallet does not provide credit, investment advice, securities trading, insurance, tax advice, legal advice, or debt services.
- Guardian Wallet does not custody crypto-assets or facilitate virtual-currency dealing unless expressly disclosed under separate regulated terms.
We review this model as our products evolve.
2. Payment-Services Compliance
Guardian Wallet works with regulated payment, issuing, processing, or card-program partners for payment-related features.
Where Guardian Wallet supports Virtual Cards or payment controls, those features are provided through an Issuer/Payment Partner and are subject to the applicable cardholder agreement, payment-provider terms, card-network rules, transaction limits, fraud controls, and compliance requirements.
Guardian Wallet's compliance controls are designed so that Guardian Wallet does not independently:
- maintain a payment account for users;
- hold user funds outside the confirmed provider model;
- initiate electronic funds transfers outside the authority of the Issuer/Payment Partner;
- authorize, transmit, receive, or facilitate payment instructions except as permitted under the Issuer/Payment Partner relationship; or
- perform clearing or settlement.
If Guardian Wallet's activities change, we will reassess whether additional registration, licensing, contractual, safeguarding, operational-risk, or regulatory obligations apply.
3. Issuer/Payment Partner Disclosure
Payment-related services are expected to be provided by the following provider relationship once finalized:
| Field | Current public disclosure status |
|---|---|
| Issuer/Payment Partner | To be confirmed by provider and legal review before public launch. |
| Role | To be confirmed. This may include card issuer, payment service provider, program manager, processor, account-linking provider, or another regulated provider role. |
| Applicable agreement | To be linked after the final cardholder agreement or payment terms are approved. |
| Fee disclosure | To be linked after the final fee schedule is approved. |
| Complaints contact | To be linked after the provider complaint process is approved. |
| Regulatory status | To be inserted only after provider and legal confirmation. |
Registration, supervision, or listing by a regulator does not mean that the regulator endorses Guardian Wallet, the Issuer/Payment Partner, or the Services.
4. FINTRAC, AML, Sanctions, and Fraud Controls
Guardian Wallet is designed not to operate as an independent money-services business. We do not offer independent remittance, foreign exchange, money transfer, cash handling, virtual-currency dealing, stored-value balances, or payment settlement.
We support our Issuer/Payment Partner's compliance program by maintaining controls that may include identity-verification support, fraud monitoring, device-risk monitoring, suspicious-activity escalation, sanctions-screening support, prohibited-use controls, transaction-pattern review, account restrictions for fraud or abuse, cooperation with lawful requests, and recordkeeping required by our contracts and applicable law.
Users may not use Guardian Wallet for fraud, money laundering, terrorist financing, sanctions evasion, illegal transactions, merchant abuse, or payment misuse.
5. Privacy Compliance
Guardian Wallet is built around privacy-by-design and data minimization. We collect, use, disclose, retain, and protect personal information according to our Privacy Policy and applicable Canadian privacy laws.
Our privacy program includes a designated Privacy Officer, documented purposes for collection, consent management, limits on collection and retention, user access and correction processes, safeguards appropriate to sensitivity, vendor due diligence, cross-border-transfer disclosures, breach-response procedures, confidentiality-incident procedures for Quebec users, privacy-impact assessments, employee and contractor confidentiality requirements, and privacy complaint handling.
Privacy Officer: Privacy Officer
Privacy email: privacy@guardianwallet.ca
Mailing address: Guardian Wallet Inc., Toronto, Ontario, Canada. Full registered-office mailing details should be confirmed by founder/legal review before public launch.
6. Data Minimization
Guardian Wallet aims to collect only the information reasonably necessary to provide, secure, support, improve, and comply with legal obligations relating to the Services.
Depending on the features you use, we may process account information, contact information, identity-verification information, device and security information, subscription information, merchant names and transaction metadata, email-alias data, cancellation-request information, support messages, billing information, consent records, and compliance and fraud-prevention records.
Where possible, Guardian Wallet uses tokenization, limited-access credentials, role-based access controls, encryption, and vendor systems that reduce direct exposure to sensitive payment data.
7. Payment-Card Security
Guardian Wallet's architecture is designed to minimize storage, processing, or transmission of sensitive cardholder data by Guardian Wallet. Where payment-card data is involved, Guardian Wallet relies on its Issuer/Payment Partner and PCI-compliant providers where appropriate.
Guardian Wallet's security practices may include tokenization, encryption in transit and at rest, access controls, least-privilege permissions, audit logs, vulnerability management, secure software-development practices, vendor security reviews, incident-response procedures, and employee security training.
Security reports may be sent to security@guardianwallet.ca.
8. Consumer-Protection Compliance
Guardian Wallet is designed to support transparent consumer subscriptions. For Guardian Wallet's own paid plans, we aim to disclose the legal seller, service description, total price, taxes and mandatory fees, billing frequency, renewal terms, trial terms, cancellation method, refund policy, material limits, contact information, complaint channels, and any province-specific rights that apply.
Guardian Wallet does not use hidden mandatory fees, misleading "free" claims, or cancellation flows intended to prevent lawful cancellation.
Users remain responsible for merchant subscriptions. Guardian Wallet's tools help manage and request cancellations, but merchant contracts, provincial consumer laws, and cardholder agreements may determine the final outcome.
9. Automatic Renewal and Trial Practices
For Guardian Wallet subscriptions, we aim to provide clear disclosures before purchase and renewal, including whether the plan renews automatically, the renewal price, the renewal frequency, when charges occur, how to cancel, whether a free or discounted trial converts to a paid plan, whether partial refunds are available, and any legally required renewal or trial-ending notice.
Users can cancel Guardian Wallet paid plans through Guardian Wallet settings, the Help & Support dashboard, or by contacting support@guardianwallet.ca.
10. Marketing and Advertising Compliance
Guardian Wallet's marketing standards require claims to be accurate, clear, and substantiated. We do not knowingly make misleading claims about savings, cancellation success, security, regulatory status, "free" services, fees, card controls, merchant cooperation, refunds, bank affiliation, government endorsement, or product availability.
Claims such as "save money," "cancel subscriptions," "block charges," "bank-grade," "secure," or "free" must be reviewed and qualified before publication. Mandatory fees must be included in advertised pricing unless the fee is imposed directly by law.
11. CASL and Electronic Communications
Guardian Wallet sends operational messages needed to provide the Services, such as account, security, transaction, subscription, cancellation, legal, and support notices.
For promotional electronic messages, Guardian Wallet maintains processes to obtain express or implied consent where required, identify Guardian Wallet as the sender, include contact information, include an unsubscribe mechanism, process unsubscribe requests promptly, and maintain consent and unsubscribe records.
12. Quebec Compliance
For Quebec users, Guardian Wallet's compliance program includes additional measures where required, including French-language terms and consumer documents, French-first contracting processes where required, a clear French privacy policy, publication of the Privacy Officer's title and contact information, privacy-impact assessments for relevant technology projects, confidentiality-incident assessment and notification procedures, highest-confidentiality default settings where required, clear disclosure of profiling, identification, or location technologies where applicable, and Quebec-specific consumer disclosures where required.
Guardian Wallet will not require a Quebec consumer to accept English-only terms where French-language contracting rights apply.
13. Accessibility
Guardian Wallet aims to make its websites, applications, support channels, and legal pages accessible. Our accessibility commitments include designing for compatibility with assistive technologies where practicable, using clear language, providing support channels for accessibility requests, reviewing accessibility feedback, and improving accessibility over time.
Accessibility requests may be sent to accessibility@guardianwallet.ca.
14. Complaints Program
Users may submit complaints through:
- General complaints: complaints@guardianwallet.ca
- Privacy complaints: privacy@guardianwallet.ca
- Security issues: security@guardianwallet.ca
- Payment/card complaints: to be confirmed with the Issuer/Payment Partner before public launch.
Our complaint-handling process is designed to acknowledge complaints, request additional information where needed, investigate the issue, escalate payment/card complaints to the Issuer/Payment Partner where appropriate, escalate privacy complaints to the Privacy Officer, provide a response within a reasonable period, preserve records, and identify recurring issues for product and compliance improvement.
15. Operational-Risk Management
Guardian Wallet maintains operational controls appropriate to its role as a software platform. These controls may include vendor due diligence, information-security policies, business-continuity planning, disaster-recovery planning, incident-response procedures, change-management controls, access reviews, logging and monitoring, fraud-risk reviews, compliance reviews, employee training, documented escalation procedures, and periodic reassessment when products change.
16. Vendor and Partner Oversight
Guardian Wallet relies on third-party providers for important functions, including cloud hosting, analytics, customer support, identity verification, fraud prevention, account linking, email delivery, payment processing, card issuing, and transaction data.
Our vendor program is designed to assess security controls, privacy practices, contractual protections, data location and cross-border transfers, incident-notification obligations, service availability, regulatory responsibilities, subcontracting, audit or assurance materials, and termination and data-return obligations.
17. Records and Governance
Guardian Wallet maintains compliance records appropriate to its business, which may include user terms and policy versions, consent records, complaint records, privacy requests, incident records, vendor assessments, compliance reviews, training records, marketing claim reviews, fraud escalations, product-change assessments, board or management approvals, and regulator or partner correspondence.
Guardian Wallet's management is responsible for maintaining a compliance program that evolves with the business.
18. Youth and Student Users
Guardian Wallet may offer student-focused features, but users must meet the eligibility requirements in our Terms. Where a youth feature is offered, Guardian Wallet will implement age-appropriate controls, parental or guardian consent where required, privacy protections, and Issuer/Payment Partner requirements.
Guardian Wallet does not knowingly provide regulated payment features to minors unless permitted by law, by the applicable Issuer/Payment Partner, and by the relevant product terms.
19. Responsible Product Design
Guardian Wallet's product standards are designed to avoid dark patterns and misleading user flows. We aim to make it clear when a user is creating a Virtual Card, pausing or closing a Virtual Card, cancelling a Guardian Wallet plan, sending a cancellation request to a merchant, connecting a third-party account, consenting to data access, starting or ending a trial, accepting paid renewal terms, sharing personal information, or relying on an estimate or automated suggestion.
20. Regulatory Change Management
Canadian fintech, privacy, consumer-protection, payment, language, advertising, and subscription rules continue to evolve. Guardian Wallet monitors legal and regulatory developments that may affect retail payment activities, money-services-business rules, consumer subscriptions, automatic renewals, cancellation flows, privacy and AI governance, cybersecurity, Quebec language and privacy obligations, CASL, and advertising and pricing claims.
When required, Guardian Wallet updates its policies, product flows, notices, and agreements.
21. Contact
Compliance questions may be directed to:
Compliance: compliance@guardianwallet.ca
Legal: legal@guardianwallet.ca
Privacy: privacy@guardianwallet.ca
Security: security@guardianwallet.ca