Terms & Conditions
Terms and Conditions of the
Credit Scrypta Digital Wallet
Terms and Conditions of the
Credit Scrypta Digital Wallet
Last updated April, 2025
1. General Introduction
1. General Introduction
Welcome to Scryptural Finance and thank you for using the Digital Smart-Credit Wallet: Scrypta. This document establishes the rules, rights, and obligations associated with using our digital wallet, the Supremium Auto-Secured Credit Card, Scryptural Credit, debt consolidation services, deferred payment, and our Scrypta AI voice assistant.
The Scrypta Wallet has been designed to help Canadians take control of their finances by consolidating their debts and avoiding high interest fees while enjoying a smarter and more accessible credit solution.
By using our services, you agree to these Terms and Conditions, which constitute a legally binding agreement between you and Scryptural Finance Inc.
Welcome to Scryptural Finance and thank you for using the Digital Smart-Credit Wallet: Scrypta. This document establishes the rules, rights, and obligations associated with using our digital wallet, the Supremium Auto-Secured Credit Card, Scryptural Credit, debt consolidation services, deferred payment, and our Scrypta AI voice assistant.
The Scrypta Wallet has been designed to help Canadians take control of their finances by consolidating their debts and avoiding high interest fees while enjoying a smarter and more accessible credit solution.
By using our services, you agree to these Terms and Conditions, which constitute a legally binding agreement between you and Scryptural Finance Inc.
2. Key Definitions
2. Key Definitions
Scryptural Finance : The company offering digital wallet services, the Supremium credit card, and Scryptural credit.
Scrypta Digital Credit Wallet : A digital platform enabling intelligent credit management, consolidations, and deferred payments.
Supremium Auto-Secured Credit Card : A secured credit card allowing flexible payments and automatic consolidations.
Scryptural Credit : An innovation allowing Canadians to restructure their debts and access financing without jeopardizing their financial future.
Instant Consolidation : A 100% automated and irreversible process, where Scrypta directly settles the debts selected by the user.
Scrypta AI : An integrated intelligent voice assistant offering financial advice and real-time support.
Deferred Payment : A service allowing users to spread their payments over several months without hidden interest.
User Account : Your personal space where your financial information, credits, and transactions are stored.
Service Eligibility : The criteria you must meet to access our products and services.
Scryptural Finance : The company offering digital wallet services, the Supremium credit card, and Scryptural credit.
Scrypta Digital Credit Wallet : A digital platform enabling intelligent credit management, consolidations, and deferred payments.
Supremium Auto-Secured Credit Card : A secured credit card allowing flexible payments and automatic consolidations.
Scryptural Credit : An innovation allowing Canadians to restructure their debts and access financing without jeopardizing their financial future.
Instant Consolidation : A 100% automated and irreversible process, where Scrypta directly settles the debts selected by the user.
Scrypta AI : An integrated intelligent voice assistant offering financial advice and real-time support.
Deferred Payment : A service allowing users to spread their payments over several months without hidden interest.
User Account : Your personal space where your financial information, credits, and transactions are stored.
Service Eligibility : The criteria you must meet to access our products and services.
3. Eligibility and Subscription Conditions
3. Eligibility and Subscription Conditions
To access Scrypta's services, you must:
Be a Canadian resident (priority to Ontario and Quebec).
Be at least 18 years old.
Have an active bank account and provide complete identity verification.
Provide financial documents (income, debts, banking history).
Agree that all consolidations are final and irreversible.
Scryptural Finance reserves the right to refuse a user if the conditions are not met.
To access Scrypta's services, you must:
Be a Canadian resident (priority given to Ontario and Quebec).
Be at least 18 years old.
Have an active bank account and provide complete identity verification.
Provide financial documents (income, debts, banking history).
Accept that all consolidation is final and irreversible.
Scryptural Finance reserves the right to refuse a user if the conditions are not met.
4. Features of the Scrypta Wallet
4. Features of the Scrypta Wallet
4.1 Scrypta IA – Intelligent Financial Assistant
Available 24/7 on mobile app and Apple Watch.
Analyzes your finances in real-time and offers tailored solutions.
Can recommend consolidations, deferred payments, or savings strategies.
Escalates to a human advisor if necessary
4.1 Scrypta IA – Intelligent Financial Assistant
Available 24/7 on mobile app and Apple Watch.
Analyzes your finances in real-time and offers tailored solutions.
Can recommend consolidations, deferred payments, or savings strategies.
Escalates to a human advisor if necessary
4.2 Scriptural Credit and Debt Consolidation
Allows users to repay and close multiple delinquent accounts.
Automated, irreversible, and definitive operation.
Consolidated accounts must not be reused under threat of financial and legal penalties.
Consolidation fees: 10% of the total amount.
4.2 Scriptural Credit and Debt Consolidation
Allows users to repay and close multiple delinquent accounts.
Automated, irreversible, and definitive operation.
Consolidated accounts must not be reused under threat of financial and legal penalties.
Consolidation fees: 10% of the total amount.
4.3 Deferred Payment and Debt Management
Allows payments to be spread over 3 to 12 months.
No hidden fees or excessive interest.
Optimized to reduce the impact on your credit score.
4.3 Deferred Payment and Debt Management
Allows payments to be spread over 3 to 12 months.
No hidden fees or excessive interest.
Optimized to reduce the impact on your credit score.
4.4 Supremium Auto-Guaranteed Credit Card
Instantly approved for eligible users.
Allows for payments, withdrawals, and cash advances.
Can be used to consolidate debts directly from the app.
No overdraft allowed.
4.4 Supremium Auto-Guaranteed Credit Card
Instantly approved for eligible users.
Allows for payments, withdrawals, and cash advances.
Can be used to consolidate debts directly from the app.
No overdraft allowed.
5. Technology and Security
5. Technology and Security
End-to-end encryption of personal data and transactions.
Bank data integration and verification via PLAID
Biometric authentication (Face ID, fingerprint, secure PIN).
Advanced fraud detection system monitoring suspicious transactions
Partnership with major Canadian banks to ensure secure transactions.
End-to-end encryption of personal data and transactions.
Bank data integration and verification via PLAID
Biometric authentication (Face ID, fingerprint, secure PIN).
Advanced fraud detection system monitoring suspicious transactions
Partnership with major Canadian banks to ensure secure transactions.
6. Terms of Use and User Obligations
6. Terms of Use and User Obligations
Compliance with Terms: Any misuse of our services may lead to suspension.
Prohibition on Reuse of Consolidated Accounts: Using a closed account after consolidation is illegal.
No Guarantee of Refinancing after consolidation.
Requirement to Provide Accurate Information during registration.
Compliance with Terms: Any misuse of our services may lead to suspension.
Prohibition on Reuse of Consolidated Accounts: Using a closed account after consolidation is illegal.
No Guarantee of Refinancing after consolidation.
Requirement to Provide Accurate Information during registration.
7. Fees, Pricing, and Financial Terms
7. Fees, Pricing, and Financial Terms
Consolidation fees: 10% of the total consolidated amount.
Portfolio management fees: Included depending on the chosen subscription.
No hidden fees or abusive rates.
Deferred payments: No-fee option if deadlines are met.
Scryptural Finance reserves the right to modify its fees with 30 days' notice.
Consolidation fees: 10% of the total consolidated amount.
Portfolio management fees: Included depending on the chosen subscription.
No hidden fees or abusive rates.
Deferred payments: No-fee option if deadlines are met.
Scryptural Finance reserves the right to modify its fees with 30 days' notice.
8. Dispute Management, Liability, and Legal Remedies
8. Dispute Management, Liability, and Legal Remedies
All disputes will be resolved primarily through negotiation.
In case of non-payment, late fees and legal measures may be applied.
Scryptural Finance is not responsible for external banking errors.
Any abuse or fraud will result in the immediate termination of the account.
Scryptural Finance is a federally registered company, therefore, our terms and conditions are also governed in accordance with Canadian Federal Laws and/or those of Ontario.
9. Privacy and Data Protection Clauses
9. Privacy and Data Protection Clauses
We do not resell your data and comply with PIPEDA and GDPR standards.
All your information is protected by advanced cybersecurity systems.
You can request the deletion of your data at any time.
We do not resell your data and comply with PIPEDA and GDPR standards.
All your information is protected by advanced cybersecurity systems.
You can request the deletion of your data at any time.
10. Modifications, Termination and Update of the Terms
10. Modifications, Termination and Update of the Terms
Scryptural Finance may update these terms in accordance with legal and financial developments.
A 30-day notice will be given in case of major changes.
You can close your account at any time, provided that you no longer have any active debts.
How to contact us
How to contact us
For any questions regarding these terms and conditions, please contact us: Scryptural Finance Inc.
Ottawa, Ontario, Canada
service@scryptural-finance.com
+1 (877)-672-0982
For any questions regarding these terms and conditions, please contact us: Scryptural Finance Inc.
Ottawa, Ontario, Canada
service@scryptural-finance.com
+1 (877)-672-0982
At Scryptural Finance Inc., user confidentiality is a top priority. As an innovative and responsible Canadian financial technology company, we are committed to protecting your personal information and using it in a transparent, secure, and ethical manner.
1. Who are we?
1. Who are we?
Scryptural Finance Inc. is a Canadian fintech company that developed Scrypta, the very first Intelligent Digital Credit Wallet, allowing Canadians to consolidate and restructure their unsecured debts with our patented product: Scryptural Credit™.
Scryptural Finance Inc. is a Canadian fintech company that developed Scrypta, the very first Intelligent Digital Credit Wallet, allowing Canadians to consolidate and restructure their unsecured debts with our patented product: Scryptural Credit™.
2. Types of information we collect
2. Types of information we collect
When you use our mobile application, website, or services, we may collect the following types of information:
Personal Information: First name, last name, mailing address, email address, phone number, date of birth, etc.
Financial Data: Banking information, income, credit balances and limits, debts, credit history.
Identification Information: ID card, photo, video (as part of KYC or identity verification).
Usage Information: Data on interaction with the application, browsing history, subscription preferences.
Technical Data: Device type, operating system, login ID, IP address.
When you use our mobile application, website, or services, we may collect the following types of information:
Personal Information: First name, last name, mailing address, email address, phone number, date of birth, etc.
Financial Data: Banking information, income, credit balances and limits, debts, credit history.
Identification Information: ID card, photo, video (as part of KYC or identity verification).
Usage Information: Data on interaction with the application, browsing history, subscription preferences.
Technical Data: Device type, operating system, login ID, IP address.
3. How do we use your data?
3. How do we use your data?
We use your data solely for the following purposes:
Provide, customize, and improve our services and the Scrypta app.
Calculate and issue a Scryptural Credit offer.
Facilitate automated debt consolidation.
Manage the Supremium™ card and associated services.
Communicate with you (by notification, email, voice AI).
Comply with our legal and regulatory obligations (FINTRAC, PIPEDA).
Detect and prevent fraud or suspicious activities.
Conduct internal or statistical analyses.
We use your data solely for the following purposes:
Provide, customize, and improve our services and the Scrypta app.
Calculate and issue a Scryptural Credit offer.
Facilitate automated debt consolidation.
Manage the Supremium™ card and associated services.
Communicate with you (by notification, email, voice AI).
Comply with our legal and regulatory obligations (FINTRAC, PIPEDA).
Detect and prevent fraud or suspicious activities.
Conduct internal or statistical analyses.
4. Sharing your data
4. Sharing your data
Your data may only be shared with:
Our technology partners (e.g., Plaid, Flinks, Marqeta) for essential services such as verifying your bank accounts or managing the card.
Our service providers (hosting, security, payment processing).
With our authorized banking partners for consolidation.
With credit agencies (Equifax/TransUnion) for verification.
Regulatory authorities and governments when required by law.
No sharing for commercial purposes or with unauthorized third parties will take place without your explicit consent.
Your data may only be shared with:
Our technology partners (e.g., Plaid, Flinks, Marqeta) for essential services such as verifying your bank accounts or managing the card.
Our service providers (hosting, security, payment processing).
With our authorized banking partners for consolidation.
With credit agencies (Equifax/TransUnion) for verification.
Regulatory authorities and governments when required by law.
No sharing for commercial purposes or with unauthorized third parties will take place without your explicit consent.
5. Data Security and Storage
5. Data Security and Storage
Your data is stored on secure servers in Canada or in jurisdictions compliant with Canadian privacy laws.
We use:
AES 256-bit encryption
Our connections are protected by SSL/TLS 1.3.
Two-factor authentication
Logging and intrusion detection
Regular security audits
Your data is stored on secure servers in Canada or in jurisdictions compliant with Canadian privacy laws.
We use:
AES 256-bit encryption
Our connections are protected by SSL/TLS 1.3.
Two-factor authentication
Logging and intrusion detection
Regular security audits
6. Your Rights
6. Your Rights
You have the right to:
Access your data
Request the modification or deletion of your data
Withdraw your consent at any time
Obtain a copy of your data
File a complaint with the Office of the Privacy Commissioner of Canada
You have the right to:
Access your data
Request the modification or deletion of your data
Withdraw your consent at any time
Obtain a copy of your data
File a complaint with the Office of the Privacy Commissioner of Canada
7. Consent
7. Consent
By using our application or services, you expressly consent to the collection, use, and disclosure of your personal information in accordance with this privacy policy.
By using our application or services, you expressly consent to the collection, use, and disclosure of your personal information in accordance with this privacy policy.
8. Minors
8. Minors
Our services are not intended for individuals under the age of 18. No data is knowingly collected from minors.
Our services are not intended for individuals under the age of 18. No data is knowingly collected from minors.
9. Updates
9. Updates
This policy may be changed at any time. Any updates will be posted on this page with a note "Updated on [date]". We encourage you to review this policy regularly.
This policy may be changed at any time. Any updates will be posted on this page with a note "Updated on [date]". We encourage you to review this policy regularly.
10. Contact Us
10. Contact Us
For any questions regarding this policy or your data:
Scryptural Finance Inc.
Ottawa, Ontario, Canada
service@scryptural-finance.com
+1 (877)-672-0982
For any questions regarding this policy or your data:
Scryptural Finance Inc.
Ottawa, Ontario, Canada
service@scryptural-finance.com
+1 (877)-672-0982
1. What is a cookie?
1. What is a cookie?
A cookie is a small text file that is stored on your device when you browse our site.
2. Why do we use cookies?
2. Why do we use cookies?
Essential Cookies: site functionality, user sessions.
Analytical Cookies: improve user experience (via Google Analytics).
Performance Cookies: measure the effectiveness of our pages and advertisements.
Personalization Cookies: tailor our recommendations according to your preferences.
Essential Cookies: site functionality, user sessions.
Analytical Cookies: improve user experience (via Google Analytics).
Performance Cookies: measure the effectiveness of our pages and advertisements.
Personalization Cookies: tailor our recommendations according to your preferences.
3. Consent
3. Consent
During your first visit, a banner asks you to accept or refuse the use of cookies. You can change your preferences at any time via the "Cookie Settings" section.
During your first visit, a banner asks you to accept or refuse the use of cookies. You can change your preferences at any time via the "Cookie Settings" section.
4. Duration of Retention
4. Retention Period
Cookies are stored for a maximum period of 12 months, unless you manually delete them through your browser
Cookies are stored for a maximum period of 12 months, unless you manually delete them through your browser
5. Deactivation
You can disable cookies through your browser settings. Note that this may alter the experience on our website.
You can disable cookies through your browser settings. Note that this may alter the experience on our website.
To learn more about our policies or exercise your rights, please visit our [Contact] section or write to us at legal@scryptural-finance.com.
To learn more about our policies or to exercise your rights, please visit our [Contact] section or write to us at: