Privacy Policies

Last Updated : 2026/02/10

This Privacy Policy (hereinafter the “Policy”) explains how My-Oga collects, uses, stores, and protects personal data when accessing or using the My-Oga platform, accessible notably via https://my-oga.com and https://studio.my-oga.com (hereinafter “My-Oga” or the “Platform”).

By accessing or using the Platform, you acknowledge that you have read and understood this Policy.

Section 1 – Categories of Data Collected

1.1 Data Provided Directly by Users

When creating an account or placing an order, we may collect:
– Full name
– Email address
– Username and profile information
– Billing information
– Content submitted in orders (messages, instructions, media)
– Communication exchanges with support

For Talents and Creators, we may also collect:
– Date of birth
– Business or professional information (if applicable)
– Bank account details for payouts
– Tax identification details where required
– Identity verification documents (via Stripe Connect or other providers)

1.2 Payment Data

Payments are processed by third-party providers such as Stripe.

My-Oga does not store full credit card numbers. Payment details are collected and processed directly by the payment provider in accordance with their own privacy policies and security standards (PCI-DSS compliance).

For recurring payments (subscriptions), card data is securely stored by the payment provider and not by My-Oga.

1.3 Automatically Collected Data

When accessing the Platform, we may automatically collect:
– IP address
– Device type and operating system
– Browser type
– Log data and timestamps
– Usage behavior (pages visited, actions performed)

This data helps improve security, detect fraud, and enhance user experience.

Section 2 – Purposes of Data Processing

Personal data is processed for the following purposes:

– Account creation and management
– Processing orders and delivering personalized experiences
– Managing donations and subscriptions
– Calculating commissions and earnings
– Managing payouts to Talents and Creators
– Identity verification (KYC) where required
– Fraud prevention and security monitoring
– Compliance with legal and tax obligations
– Customer support and dispute resolution
– Service improvement and analytics

Section 3 – Marketplace, Earnings and Payouts

3.1 Fund Collection

In the Marketplace model, clients pay My-Oga via integrated payment providers.

Funds are first processed by the payment provider and reflected in My-Oga’s Stripe balance before being allocated to the relevant Talent or Creator account.

3.2 Earnings Allocation

Stripe Connect may create connected accounts for Talents and Creators. Each transaction may specify:
– The total amount paid by the Client
– The My-Oga commission
– The net earnings allocated to the Talent or Creator

Stripe maintains internal records of these allocations.

3.3 KYC and Identity Verification

Talents and Creators must complete identity verification (KYC) before receiving payouts.

KYC is conducted by Stripe or another authorized payment provider. My-Oga does not independently verify identity documents unless legally required.

If identity verification cannot be completed, payouts may be suspended and funds may remain restricted in accordance with payment provider policies and applicable law.

3.4 Holding Period and Minimum Threshold

My-Oga may apply a minimum withdrawal threshold and a holding period for security, fraud prevention, or dispute management purposes.

Funds remain within the payment provider ecosystem until a payout is initiated and approved.

Section 4 – Legal Basis for Processing

Data processing is based on:

– Performance of a contract (Terms of Use)
– Compliance with legal obligations (tax, anti-money laundering, fraud prevention)
– Legitimate interest (platform security, fraud detection, service improvement)
– User consent (marketing communications, optional cookies)

Section 5 – Data Sharing

Personal data may be shared with:

– Payment providers (Stripe, Wise, PayPal)
– Identity verification services
– Cloud hosting providers
– Technical service providers (analytics, infrastructure)
– Legal authorities when required by law

My-Oga does not sell personal data to third parties.

Section 6 – International Data Transfers

As an online platform, data may be processed outside the user’s country of residence, including in jurisdictions where our service providers operate.

Appropriate safeguards are implemented where required by applicable law.

Section 7 – Data Retention

Personal data is retained only for as long as necessary:

– To provide services
– To comply with legal and tax obligations
– To resolve disputes
– To enforce our Terms

Financial and tax-related data may be retained for the legally required retention period.

Section 8 – Security Measures

My-Oga implements appropriate technical and organizational measures including:

– Secure servers and encrypted connections (HTTPS)
– Restricted internal access to sensitive data
– Monitoring systems to detect fraud or abuse
– Secure authentication practices

However, no system can guarantee absolute security.

Section 9 – User Rights

Depending on applicable law, users may have the right to:

– Access their personal data
– Request correction of inaccurate data
– Request deletion (subject to legal retention obligations)
– Object to certain processing activities
– Withdraw consent where applicable

Check section 12 to send any request.

Section 10 – Cookies and Tracking Technologies

The Platform uses cookies and similar technologies to:

– Enable essential platform functionality
– Maintain sessions
– Analyze usage and performance
– Improve user experience

Users may manage cookie preferences through their browser settings.

Section 11 – Updates to this Policy

My-Oga reserves the right to update this Policy at any time.

Material changes may be notified via email or platform notification. Continued use of the Platform after updates constitutes acceptance of the revised Policy.

Section 12 Legal Entity and Contact Us

The My-Oga platform is operated by PayKap International Inc, a Canadian-registered company.

If you have any questions regarding these Privacy Policies, please contact us by email at support@my-oga.com or directly by clicking on this contact form. You may also write to us at the following mailing address: 1847 Sunland Drive, Ottawa ON K4A 3S9, Canada.

For the Terms of Service, please click here.

Official version: the French version of these Terms remains the legally binding version.