Legal and Licensing

Your trust is one of our most valued assets. To that end, we are committed to providing you with the most secure environment possible in which to do business with us.

Terms of Use

The information contained in this website is provided for informational purposes only and does not constitute financial, investment, tax, legal or other professional advice and should not be relied on as such.

Although we use our best efforts to provide accurate information, Cambridge does not make any representation or give any warranty in respect of this website or its contents. In particular, and without limiting the generality of the foregoing, Cambridge does not represent, warrant or guarantee the accuracy, currency, reliability or completeness of the information contained in this website; that the website will be available without interruption, error or omission; that defects will be corrected; or that the website and the servers that make it available are free from viruses or harmful components.

This website may contain links to websites controlled or offered by third parties. Cambridge disclaims any and all liability for any information, materials, products or services posted or offered on or at any such linked sites.

This website and its contents are provided “as is” and “as is available,” without any warranties, representations or conditions of any kind, either express or implied, including, without limitation, warranties as to merchantability, fitness or non-infringement of intellectual property. Cambridge shall not be responsible in any manner, and expressly disclaims all liability for, any direct, indirect, special or consequential damages, however caused, arising out of the use of this website or any website(s) to which it is linked, the information contained herein or in respect to decisions made or actions taken in reliance on the information in this website.

Privacy Policy

At Cambridge, our top priority is protecting the privacy of our clients and potential clients.

How We Obtain Personal Information
We collect non-public personal information from and about you from the following sources:

  • Applications and other forms;
  • Telephone recordings;
  • Consumer or credit reporting agencies; and
  • Third parties associated with our customers.

How We Use Personal Information
We collect non-public personal information from and about you for the following purposes:

  • To comply with applicable laws and regulations, most notably anti-money-laundering and counter-terrorism financing legislation;
  • To carry out customer-related requests;
  • To conduct internal risk assessments; and
  • To protect against fraud.

While some personal information may be collected over the telephone, the purposes of recording and monitoring telephone calls is to evidence business transactions, to ensure quality control and to improve internal training measures.

Disclosure of Personal Information
We do not disclose your non-public personal information to any non-affiliated third parties except:

  • To computer services consultants and technicians or other security and compliance consultants, in order to ensure the confidentiality and security of customer records;
  • To financial service providers, such as bankers, in order to carry out required institutional risk control, to carry out requested services and/or to protect against actual or potential fraud, unauthorized transactions, claims, or other liability;
  • Where required or permitted by law, for example to government and/or law enforcement agencies as required or permitted by law; and
  • To any person where we have your written consent to do so.

Please be aware that we may maintain and process your non-public personal information outside of your country of residence. As such, your data are subject not only to local legal and regulatory requirements, but also to legal and regulatory requirements of those other foreign countries. For example, there are lawful requirements to disclose non-public personal information to government authorities in certain countries, including the United States.

How We Protect Personal Information
We protect non-public personal information about our customers by:

  • Entering into written confidentiality/non-disclosure agreements with third-party service providers for certain disclosures;
  • Restricting access only to those employees who need to know that information in order to provide products or services; and
  • Maintaining physical, electronic and procedural safeguards that comply with the relevant laws and regulations.

Personal Information and Our Website
When you visit our website, we will not collect any non-public information about you, unless you provide it to us voluntarily. Please note that by providing Cambridge with non-public personal information, you consent to us using your data to conduct our business, to make available products and services that may be of interest to you and for the development of web statistics.

Cambridge may gather and analyze information regarding usage of our website, including domain name, the number of hits, the pages visited, previous/subsequent sites visited and length of user session. This information may be gathered by using a cookie. A cookie is a small text file placed on your hard drive by our web page server. You can choose whether or not to use a cookie by altering the settings of your browser. A cookie will make it faster and easier for you to use our website.

Contact Our Privacy Officer
If you wish to have previously submitted information deleted from our web-based marketing databases, would like to access your personal information or have any questions about this Privacy Notice, please contact us via phone at 1-800-374-8077 or by mail to Cambridge Global Payments, 212 King Street West, Suite 400, Toronto, ON M5H 1K5.

Disclaimer
This Privacy Notice is intended to inform our clients’ directors, authorized signatories and/or ultimate beneficial owners of our data collection, retention and disclosure policy. Cambridge reserves the right to modify sections of this Privacy Notice at any time. Please check this Privacy Notice from time to time for any changes. This Privacy Notice does not extend to any third-party sites that may be linked to our website.

This Privacy Notice was last revised July 4, 2012.

In compliance with US privacy regulations defined by the Gramm-Leach-Bliley Act (GLB Act or GLBA), Cambridge has prepared this Privacy Statement. Click here to download it.

The Privacy Policy for our Australian operations is slightly different. Please download it for your reference.

Download PDF

Accessible Customer Service Policy

Organizational Statement of Commitment to Accessibility

January 1, 2014

Cambridge is committed to providing a barrier-free environment for our clients/customers, employees and other stakeholders who enter our premises or access our information. As an organization, we respect and uphold the requirements set forth under the Accessibility for Ontarians with Disabilities Act (2005), Customer Service Standard, and the Integrated Accessibility Standards Regulation for Information and Communications, Employment, and Transportation, and eventually, for the Built Environment.

Our organization has made a commitment to being increasingly accessible not only because it is a legal obligation, but also because it aligns with our values. We believe we have an important responsibility for ensuring a safe, dignified and welcoming environment for everyone.

We are committed to ensuring our organization’s compliance with accessibility legislation by incorporating policies, procedures and training for employees. Specifically, we are committed to:

Accessible Customer Service
We are committed to providing our services in a manner that respects the dignity and independence of people with disabilities, allowing all customers to benefit from the same services in as similar a manner as possible. We have developed an Accessible Customer Service Policy to govern how we provide services to persons with disabilities in Ontario. Copies of the Accessible Customer Service Standard are available in alternative formats. To request an alternative format, please contact us.

Please click here to view our Accessible Customer Service Policy.

Please click here to view our Self-Certified Report.

Multi-Year Accessibility Plan
Our Multi-Year Accessibility Plan will be made available upon request. To request a copy, please contact us.

Contacts
If you would like to request information regarding our accessibility or are having trouble accessing our services, please contact:

Human Resources
Phone: (416) 646-6401

Licensing and Regulatory Information

Cambridge is extremely diligent in its practice of maintaining the appropriate licensing and regulatory standards for a Money Services Business in all of the regions in which we operate. Please use the link below to download this information for all of our legal entities.

Download PDF

Customer Feedback

Our goal is to achieve the highest standard of excellence in customer service as well as in payment processing; so let us know if you have any feedback, complaints, concerns and/or questions. To help us resolve your issue or accurately direct your comments, please make sure to include a full summary of the situation, names of any Cambridge employees that were involved, and suggestions for possible solutions. All information you provide will be used in accordance with Cambridge’s Privacy Policy.

Please submit your feedback to CustomerServices@cambridgefx.com.

If you have a complaint or concern pertaining to licensing and/or regulatory issues, you will find a schedule below with a list of complaint agencies by state (US only), and their contact information. That said, we strongly encourage you to first contact Cambridge with your complaint, so we can rectify your problem more quickly.

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