Privacy Policy

Last updated: August 5, 2026

ApexPayGo is payroll software for businesses in Quebec and across Canada. This policy explains what personal information we collect, why, how it's protected, and what rights you have.

1. Information we collect

• User account: full name, email address, password (stored encrypted).
• Company information: company name, company type, address, industry.
• Employee information (entered by you into the system): first name, last name, employee code, email, hire date, pay rate.
• Payroll data: hours worked, gross and net pay, contributions (QPP, QPIP, EI) and tax withholdings calculated for each pay period, for the purpose of generating slips (T4/RL-1).
• Billing: payment card details are entered and processed directly by our payment processor, Stripe — we never store your card numbers.
• AI assistant (NICO): the content of messages you exchange with the assistant is sent to our AI provider (Anthropic) to generate a response. Avoid including sensitive personal information there (e.g., a full Social Insurance Number).
• Technical data: a login token is kept in your browser's local storage (localStorage) to keep you signed in; we do not use advertising-tracking cookies.

ApexPayGo does not request or store your employees' Social Insurance Number (SIN) or banking details in our database.

2. Why we collect it

• To create and administer your account and your company's account;
• To calculate payroll and generate pay stubs and year-end slips (T4/RL-1);
• To process your subscription and payments;
• To answer your questions through the NICO assistant or our support team;
• To keep the service secure, prevent fraud, and meet our legal obligations.

3. Consent

By creating an account, you consent to the collection and use of your personal information for the purposes described above. You may withdraw your consent at any time by closing your account, subject to legal retention obligations (e.g., tax records).

4. Sharing with third parties

We never sell your personal information. We share it only with service providers required to operate ApexPayGo:

• Render — cloud hosting for the application and database;
• Stripe — payment and billing processing;
• Anthropic — generating responses for the NICO AI assistant.

Cross-border transfers: some of these providers process or store data in the United States. Before sharing personal information with them, we assess that the level of protection offered is comparable to what's required under Quebec law. If you'd like more detail on these transfers, contact us.

5. Retention and destruction

We retain your information for as long as your account is active, and afterward for as long as required by applicable legal and tax obligations (generally up to six years for payroll records). After that period, information is securely destroyed or anonymized.

6. Security

We apply reasonable safeguards (encryption in transit, encrypted passwords, restricted access) to protect your information from loss, theft, and unauthorized access. No system, however, is completely infallible.

7. Your rights

Under Quebec's Act Respecting the Protection of Personal Information in the Private Sector and Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Withdraw your consent to certain uses, subject to legal obligations;
• Request portability of your information in a structured digital format;
• File a complaint with the Commission d'accès à l'information du Québec (CAI) or the Office of the Privacy Commissioner of Canada (OPC) if you believe your rights have not been respected.

To exercise any of these rights, email support@apexpaygo.com.

8. Privacy incidents

In the event of a privacy incident presenting a risk of serious injury, we will notify affected individuals and the Commission d'accès à l'information du Québec, as required by law.

9. Changes to this policy

This policy may be updated from time to time. The last-updated date appears at the top of the page. We encourage you to review it periodically.

10. Contact us

For any question about this policy or your personal information, contact Nicholas Samy at support@apexpaygo.com or use our Contact page.