Healthcare is stressful enough. Paying for it shouldn’t be.


Terms of Service

HSA Easy Pay Ltd., and its subsidiaries and affiliates requires that all the visitors to our site(s) on the World Wide Web (the “Site”) adhere to the following Terms of Service, Rules, Regulations, and Disclaimers (collectively known as “Terms and Conditions”). By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions. 

Laws and Regulations

User access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations. 

Copyright / Trademarks / Patents

The trademarks, logos and service marks (“Marks”) displayed on the Site are the property of HSA Easy Pay Ltd. and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to, use as metatags on other pages or sites on the World Wide Web without the written permission of HSA Easy Pay Ltd. or such third party which may own the Marks. All information and content including any software programs available on or through the Site (“Content”) is protected by copyright and one or more pending patent applications and unless noted otherwise, is property of HSA Easy Pay Ltd. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes. 


This site may provide a link to other sites by allowing the user to leave this site to access third-party material or by bringing the third-party material into this site via “inverse” hyperlinks and framing technology (a “linked site”). HSA Easy Pay Ltd.. has no discretion to alter, update, or control the content on a linked site. The fact that Aya Payments, Inc. has provided a link to a site is not an endorsement, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. There are inherent risks in relying upon using, or retrieving any information found on the internet, and Aya Payments, Inc. urges you to make sure you understand these risks before relying upon, using, or retrieving any such information on a linked site. A linked site may contain malware, virus, or other harmful content and Aya Payments, Inc. is not responsible for monitoring the content of the linked site for any purpose including without limitation suitability for linking to, security, and content on the linked site. 

No Warranties

All content, products, and services on the site, or obtained from a website to which the site is linked (a “linked site”) are provided to you “as is” without warranty of any kind either express or implied including, but not limited to, the implied warranties of merchantability and fitness for a particular purpose, title, non-infringement, security or accuracy. Aya Payments, Inc. does not endorse and is not responsible for (a) the accuracy or reliability of any opinion, advice or statement made through the site by any party other than HSA Easy Pay Ltd., (b) any content provided on linked sites or (c) the capabilities or reliability of any product or service obtained from a linked site. Other than as required under applicable law, under no circumstance will HSA Easy Pay Ltd. be liable for any loss or damage caused by a user’s reliance on information obtained through the site or a linked site, or user’s reliance on any product or service obtained from a linked site. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any opinion, advice or other content available through the site, or obtained from a linked site. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific opinion, advice, product, service, or other content. 

Limitation of Liability for Use of The Site and Linked Sites

The information, software, products and descriptions of services published on the site or a linked site may include inaccuracies or typographical errors, and HSA Easy Pay Ltd.  specifically disclaims any liability for such inaccuracies or errors. Aya Payments, Inc HSA Easy Pay Ltd. does not warrant or represent that the content on the site is complete or up-to-date. HSA Easy Pay Ltd. is under no obligation to update any content on the site. HSA Easy Pay Ltd. may change the content on the site at any time without notice. HSA Easy Pay Ltd. may make improvements or changes to the site at any time. You agree that Aya Payments, Inc., its affiliates and partners and any of their respective officers, directors, employees, or agents will not be liable, whether in contract, tort, strict liability or otherwise, for any direct, punitive, special, consequential, incidental or indirect damages (including without limitation lost profits, cost of procuring substitute service or lost opportunity) arising out of or in connection with the use of the site or a linked site, or with the delay or inability to use the site or a linked site, even if HSA Easy Pay Ltd. is made aware of the possibility of such damages. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user’s equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. Aya Payments, Inc. cannot and does not guarantee continuous, uninterrupted or secure access to the site. 

Privacy Policy

As a condition to using the Site, you agree to the terms of our Privacy Policy, as the same may be updated from time to time. We understand that privacy is important to you, you agree that we may monitor, edit, or disclose your personal information in order to comply with any valid legal proceedings or government request, or as otherwise provided in the Terms of Service, HSA Easy Pay Ltd. Privacy Policy and, where relevant, our Terms and Conditions documents. For more information, please see our Privacy Policy, which forms a part of these Terms of Service and is incorporated by reference. 

Confidentiality of User Communications

Except as required by law and in accordance with the HSA Easy Pay Ltd. Privacy Statement (aka “Privacy Policy”), HSA Easy Pay Ltd. will make reasonable efforts to maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to HSA Easy Pay Ltd. Postings by a user on any message board or in any chat room will not be protected as confidential and HSA Easy Pay Ltd. may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by HSA Easy Pay Ltd. User should be aware that Linked Sites may contain confidentiality provisions that differ from the provisions provided herein. HSA Easy Pay Ltd. is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. 

Your Contact with Advertisers

Your dealings or correspondence with, or participation in promotions of, advertisers found on or through the Site (including, without limitation, payment and delivery of related products or services, and any other terms, conditions, representations or warranties associated with such dealings or correspondence) are solely between you and such advertisers. HSA Easy Pay Ltd. makes no representations or warranties with respect to any advertising content of, or any products or services that may be obtained from, such advertisers. You agree that HSA Easy Pay Ltd. will not be responsible or liable with respect to any loss or damage of any kind incurred as a result of: (a) any such dealings or correspondence between you and such advertisers, (b) content, products or services of such advertisers, or (c) the presence of such advertisers on the Site. 

Linked Internet Sites

HSA Easy Pay Ltd. prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. HSA Easy Pay Ltd. reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user’s own risk. User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. HSA Easy Pay Ltd. is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. 

Press Releases

All press releases and other materials presented or released to the financial community that are contained on the Site are deemed, to the best of HSA Easy Pay Ltd.’s knowledge, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. HSA Easy Pay Ltd. has no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site. 


For use in connection with message boards or chat rooms on the Site.

HSA Easy Pay Ltd. is under no obligation to review any messages, information or content (“Postings”) posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, HSA Easy Pay Ltd. may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain: 

HSA Easy Pay Ltd. is under no obligation to review any messages, information or content (“Postings”) posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, HSA Easy Pay Ltd. may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain: 

  • Any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law.
  • Advertisements or solicitations of any kind.
  • Messages posted by users impersonating others.
  • Personal information such as messages which state phone numbers, social security numbers, account numbers, addresses, or employer references.
  • Messages by non-spokesperson employees of HSA Easy Pay Ltd. purporting to speak on behalf of HSA Easy Pay Ltd. or containing confidential information expressing opinions concerning HSA Easy Pay Ltd. 
  • Messages that offer unauthorized downloads of any copyrighted or private information.
  • Multiple messages placed within individual folders by the same user restating the same post.
  • Chain letters of any kind.
  • Any other Postings deemed inappropriate by HSA Easy Pay its sole discretion. 
Transmission of Personal Data

For use in connection with Sites through which proprietary Cardmember/Customer account data may be transmitted.

User acknowledges and agrees that by providing HSA Easy Pay Ltd. with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with HSA Easy Pay Ltd.’s standard business practices. User should be aware that Linked Sites may contain transmission of personal data provisions that differ from the provisions provided herein. HSA Easy Pay Ltd. is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions. 

Changes to Rules and Regulations

HSA Easy Pay Ltd. reserves the right to revise these Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations. HSA Easy Pay Ltd. may indicate that changes to these Rules and Regulations have been made by updating the date indicated after “Last Modified” at the end of these Rules and Regulations, but is not obligated to do so. 

Violations of Rules and Regulations

HSA Easy Pay Ltd. reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site. 

Access to Password Protected/Secure Areas

Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution. 

Use of “Cookie” File Features

HSA Easy Pay Ltd. reserves the right to store information on a user’s computer in the form of a “cookie” or similar file for purposes of modifying the Site to reflect users’ preferences. The HSA Easy Pay Ltd. Privacy Statement provides additional information regarding Aya Payments, Inc.’s use of cookies as well as procedures for disabling cookies. 

Jurisdiction/Governing Law

Users of this Site agree to submit to the laws of the Province of AlbertaCanada and applicable federal law without regard to conflicts of laws principles. 

Trademarks and Service Marks

The following are trademarks and service marks of Aya Payments, Inc., its subsidiaries and/or affiliates which may appear on Aya Payments, Inc. Web sites. This is not a comprehensive list. 

These “Terms of Service” are effective as of  March 15, 2021. 

Privacy Policy

Welcome to the HSA Easy Pay Ltd., (hereinafter “we”, “us”, “our”) Privacy Policy. This Privacy Policy demonstrates the commitment from us to your privacy and discloses the information – gathering and privacy practices employed by us in connection with providing you with your use of the websites and  (the “Site”), and the partnered Aya Prepaid Mastercard® (collectively known as the “Services”). By visiting the Site, you agree to be bound by the terms of this Privacy Policy. If you feel that we are not abiding by this posted Privacy Policy, you should contact us by using the methods listed below under the heading CONTACTING US at the Site. 

Information Collection and Purpose Specification

We collect the data that you may volunteer to share with us while using our Services, including without limitation, personal and business data when you register for Services, information about your transactions with us, alternate contact information, a password which is used to protect your account from unauthorized access and other information from your interaction with the Site and transactions while utilizing our Services. 

For business plan administrators, personal information, business information, financial information, and financial data will be collected as a prerequisite to registered users being authorized to use the Services to open an account. The collection of business information may include, but is not limited to, your business name, business identification number (BIN), business address, business telephone number, business related documentation, and telephone number, or email address. In addition, you will be required to provide personal information including, but not limited to: name, personal address, date of birth, and other similar information. Additional information will be requested at account opening and may be requested throughout the life of the account relationship to meet regulatory and legal requirements. If you choose to provide us with personal information, business information, financial information, and financial data, you consent to the transfer and storage of that information on our servers located within Canada. Information disclosures, which are mandatory in order for you to use Services from us, will be designated as such. 

We collect, use, and otherwise process personal information, business information and financial data about you for the following purposes:(i) to enable you to access and use the Site; (ii) to comply with regulatory requirements; (iii) to maintain your partnered Aya Mastercard Account; (iv) to process your fund transfers and transactions; (v) to enable us to provide any other Services which you have requested through use of the Site; (vi) to personalize aspects of our overall service to you; (vii) to provide customer support that you request, resolve disputes, collect fees and troubleshoot problems; (viii) to prevent potentially prohibited or illegal activities and enforce the applicable member Services Agreement; (ix) to measure and improve our Services, content, and advertising; and (x) any other reasonable need to use such information for the purposes of managing the related Services. 

Use of “Cookies”

“Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive, that allow us to identify you and link you to your Aya Mastercard Account. If you choose not to accept our cookie, we will not be able to store cardholder details data or other information for subsequent log-ins or future use. 

Sharing of Information

The information we collect may be shared on an aggregate and statistical and/or personally identifiable basis with Authorized Third Parties (credible third parties collaborating with us, who have been presented with and agreed to be bound by our Privacy Policy). To the best of our knowledge, Authorized Third Parties do not release this information, other than for transactional purposes, or utilize it for any promotional activities. We utilize the services of Authorized Third Parties, for example, the Aya Prepaid Mastercard Issuing financial institution. It may be necessary to disclose customer information to such Authorized Third Parties in order to provide the Services. 

Aside from sharing your information with Authorized Third Parties in order to provide the Services, as discussed above, we do not provide your personal information to any third party without your permission. Additionally, we do not share your individual buying habits with third parties. We may provide general statistics to third parties in order to assess the market for the Aya Mastercard. 

We have no responsibility for the privacy policies and other aspects of websites that we link to, including the content of those websites and any cookies those websites might deposit on your hard drive. Third parties have their own privacy policies over which we exercise no control. Before providing personal information to third parties, you should refer to each third party’s privacy policy for complete information about the collection and use of personal information on their website. Each third party’s privacy policy, and not this Privacy Policy, governs how information that you provide directly to them is used. 

In the event you enter your personal information into fields requesting additional information or offers or otherwise affirmatively elect to receive such information or offers, you agree to and authorize the delivery of automatic updates and/or marketing materials from Aya Mastercard and/or Authorized Third Parties to you. In the event you wish to later opt out of receiving such information or offers, please contact us using the methods listed below under the heading CONTACTING US. Please allow several weeks for your opt-out request to take effect. Please understand that even if you choose to opt-out, we may continue to share your non-public personal information with Authorized Third Parties and certain non-affiliated third parties as permitted by applicable laws and regulations. 

Forced Disclosure

Your personal data will only be disclosed (i) to government agencies and authorities where required by applicable laws or other regulations; (ii) to enforce our Aya Mastercard Account or the terms of this Privacy Policy; (iii) to detect, prevent or address issues relating to fraud, security breaches or other technical issues; or (iv) to protect against imminent harm to the rights, property or safety of Aya Mastercard or other parties as may be required or permitted by applicable laws or regulations. 

Confidentiality and Security

Keeping your personal information secure is very important to us. All of our employees, data processors and co-hosting facilities who have access to and are associated with the processing of unencrypted personal data are obligated to take reasonable efforts to respect the confidentiality of your personal data and have agreed to be bound by the terms of the Privacy Policy and such other confidentiality and security measures as we determine necessary. We will take appropriate and up to date measures to the best of our abilities to protect your personal information. However, no data transmission over the Internet can be guaranteed to be totally secure, and third parties may unlawfully intercept or access transmissions or private communications. As a result, while we strive to protect your personal information, we cannot ensure or warrant the security of any information that you send to us, and therefore you do so at your own risk. 


You are entirely responsible for maintaining the confidentiality of your username(s), passwords(s), and your account(s), as well as all activities that occur under your account(s). You hereby agree to indemnify, defend, and hold us, our agents, representatives and other authorized users, and each of the foregoing entities’ respective officers, directors, owners, employees, agents, representatives and assigns (collectively the “Indemnified Parties”) harmless from and against any and all losses, damages, liabilities and costs incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of this Privacy Policy, the Aya Mastercard account and the Services Agreement (if applicable), or claims arising from your Aya Mastercard account(s). You agree to use your best efforts to cooperate with us in the defense of any claim. We reserve the right, at our own expense, to employ separate counsel and assume the exclusive defense and control of any matter otherwise subject to indemnification by you. 

Privacy Practices of Third Parties, Advertisers, Vendors and Others

This website may contain advertisements and links to other sites. Aya Mastercard is not responsible for the content or privacy policies or practices of any advertisers or linked sites or for the content, privacy policies or practices of any third parties, including without limitation the Aya Mastercard issuing financial institution. To the extent that you disclose personal information to any advertisers, linked sites or other third parties, which are featured on our site, different rules may apply to their use or disclosure of personal information, and we encourage you to review their privacy policies before disclosing personal information to them. 

Changes to this Privacy Policy

Our Site and the Aya Mastercard features and Services may change over time and our information-gathering practices and policies may also change. While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this Privacy Policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information. 

Other changes to this Privacy Policy that reflect refinements, improvements, updates, and new features will be made as appropriate and posted as soon as possible. Whenever the Privacy Policy changes, we may modify the date of the Privacy Policy to reflect that a change was made. 

Access or Corrections to your Personal Information

You may request in writing any personal information about you that we hold, or correct or amend information about you if it is inaccurate, using the methods listed below under the heading 


This website is intended for use by adults only  Aya Mastercard does not knowingly collect or use information from children. 

Former Customers

We follow the same privacy policies and practices for our former customers as are described in this Privacy Policy. 

Customer Service

For all customer service information, please contact: 

587-439-0227 -or-  

This Privacy Policy is effective March 15, 2021 

HSA Easy Pay Ltd.’s partner, Aya Prepaid Mastercard®, is issued by Peoples Trust Company under licence from Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. 

Healthcare is stressful enough. Paying for it shouldn’t be.