Information We Collect And Sources Of Information:
We may collect personal information about you. Personal information is information about an identifiable individual and includes information such as your social security number, date of birth, residential address, phone number, government issued identification, transaction history, device type, internet protocol address or geo-location. We collect your personal information required to provide Our Services to you, which includes the following purposes: responding to your queries, identification, account creation and management, security measures, fraud prevention and investigation, account servicing and marketing purposes. We obtain information about you directly from you (e.g., if you submit information to us through our website, e-mail or mobile applications), through your use of Our Services, and from third parties (such as your payers, credit bureaus and demographic firms). Occasionally, we may also collect information about you online using “cookies” (small pieces of data stored by your Internet browser on your computer) or other tracking technology that may be used to remember passwords for you, to track your website or mobile application usage with us and to provide you with customized content among other things. You may choose to decline cookies if your browser permits but doing so may affect your use of the website and your ability to access certain features of the website or engage in transactions through the website.
Your information will be used and disclosed for the purposes of complying with the law and to provide you with Our Services.
We may disclose your personal information:
- When we are required or authorized by law to do so (e.g. in response to a summon or a subpoena);
- To investigate or prevent potential fraud, loss or harm;
- When you have consented to the disclosure;
- To establish or collect amounts owed to us;
- To third-party service providers engaged to support Our Services.
Your personal information may be shared with service providers (e.g. payment processors, issuing banks, customer support providers, payers and identification verification providers) in order to provide Our Services to you. Our service providers are not authorized by us to use or disclose your information except as necessary to perform services on our behalf or comply with legal requirements. If you do not wish us to provide your personal information to such service providers, we may be unable to provide you with Our Services or adequately respond to your query.
We use international service providers to process and/or store personal information for us. Please note that personal information in the custody of these service providers may be subject to access by the law enforcement authorities of those jurisdictions in which the service providers are located.
Our Security Procedures:
You also play an important role in protecting your personal information. Your password and security codes are private and you should not share them with anyone. We will never ask you for your password PIN, or the security code that is sent to you by SMS text message or e-mail when you log into your account. Keep your passwords, PIN and other other account details confidential and do not share them with others.
Due to the nature of internet communications and evolving technologies, we cannot ensure that information we collect, store or transfer online will remain free from loss, interception or alteration and Payfare and its service providers shall have no liability for any loss, interception or alteration of personal information.
Your Access to Information:
You can access your account details and transaction history at any time through our mobile applications or, where applicable, by logging into your account online. Subject to any exceptions prescribed by law, you can access and correct your personal information and challenge the accuracy and completeness of the information we have about you. We may deny access when required or authorized by law. For example, we may deny access when granting access would have an unreasonable impact on other people’s privacy or when necessary to protect our confidential commercial information and the requested information cannot be severed from the balance of the record in which it is contained. If we deny your request for access to, or refuse a request to correct, information, we will explain why.
Retaining Your Information:
We keep your information as long as reasonably required to complete our dealings with you, or as required by law, whichever is longer. You can request that we remove your information from our records by contacting our Privacy Officer at the contact information below. Subject to our requirements for continued retention of your information (e.g., for auditing purposes) or to fulfill our legal obligations, we will make every reasonable effort to honor your request.
How This Policy Applies to You:
Our website and Our Services are not intended to solicit information of any kind from individuals under the majority in their jurisdiction of residence (“Minors”) without the required consent from their parents/guardians. If we become aware of any information we possess that may belong to a Minor, we will immediately obtain parental consent or delete this information from our servers. If you are a parent/guardian and you suspect that your child may have submitted personal information to us, please contact us at the information below.
If you have any questions, concerns or complaints about this Policy, please contact our Privacy Officer by emailing us at email@example.com. We will respond to your request or investigate your concern as quickly as we can.
If you choose to communicate with us via email, please be aware that email is not a 100% secure medium for sending personal or confidential information to us.
Effective November 19, 2020
Additional State Disclosures
Vermont: We will not share personal information with non-affiliates except for our own marketing purposes, our everyday business purposes, with your consent or as permitted by law.
Nevada: In accordance with state law we provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101; phone number: 702-486-3132; email: agInfo@ag.nv.gov.