We collect information from visitors of our Site when a person or business (“you” or “your”) submits information to us in order to subscribe for one or more PAAY offerings or when you sign up for a PAAY account to receive our 3DS services. The information we collect about you may include, without limitation:
We also collect information you upload to or send through our Services, including Information about the products and services you sell, and other Information you provide about you or your business from time to time.
Some of the information we collect is collected to comply with applicable laws and regulations, including anti-money laundering, anti-terrorism and security laws.
We collect information you provide when you participate in contests or promotions offered by PAAY or our partners, respond to our surveys or otherwise communicate with us. Without information about you, we may not be able to provide you with the Services or the support you request.
We collect information about you when you use our Services, including the following:
Device Information. We collect specific information about the device you use when you access our Services (the “Device”), including your hardware model, operating system and version, unique device identifier, mobile network information and information about your Device’s interaction with our Services. We may also identify other software running on your Device for anti-fraud and malware-prevention purposes (but will not collect any content from such software).
Use Information. We collect information about how you use our Services, including your access time, browser type and language and Internet Protocol (“IP”) address.
Information Collected by Cookies and Web Beacons. We use various technologies to collect information when you use our Services, including sending cookies to your Device and using web beacons. Cookies are small data files that are stored on your hard drive or in Device memory when you visit a website or view a message. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We also may collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, track the number of visits to our website, understand usage and campaign effectiveness and determine whether an email has been opened and acted upon. For more information and to learn how to block or delete cookies used in the Services, please see “Your Choices” below.
In addition to using the information you provide in order to evaluate and process your merchant processing application, we may also use the information about you to provide, maintain and improve our Services, such as:
We may use information about you to improve, personalize and facilitate your use of our Services. For example, when you sign up for a PAAY account, we may associate certain information with your new account, such as information about other accounts you had or currently have with PAAY, and prior transactions you made using our Services. We also may use information about you to measure, customize, and enhance our Services, including the design, content, and functionality of our applications and websites, or to track and analyze trends and usage in connection with our Services.
We may use information about you to send you news and information (provided you have not indicated otherwise) or to conduct surveys and collect feedback about our Services and to communicate with you about products, services, contests, promotions, discounts, incentives and rewards offered by us and select partners, based on your communication preferences and applicable law. We also may contact you to resolve disputes, collect fees and provide assistance for problems with our Services or your PAAY account. You can tell us to not contact you with information about our other products and services at any time, either by contacting us, by following the unsubscribe link in our communications or by changing your notification settings by logging into your PAAY account. Please note that at all times, even where you choose not to receive promotional content from us, we may still message you about the Services for which you have signed up.
We may use information about you:
We may use third-party service providers to process and store your information. For more information, please see the “International Data Transfer” section below.
In addition to the foregoing, we may aggregate and anonymize information you provide to us in such a way as to ensure that you are not identified or identifiable from it. This data may be used for statistical, analytic, and administrative purposes, including for customizing our web sites, analyzing trends, tailoring products and services, or conducting risk and cost analysis. We may share anonymized or aggregated data at our discretion, in accordance with applicable laws.
We may share information about you as follows:
We also may share aggregated information with third parties that does not specifically identify you or any individual user of our Services.
You may access, change or correct information about you by logging into your PAAY account at any time or by making a request to us using the contact details below, in which case we may need to verify your identity before granting access or otherwise changing or correcting your information.
If you wish to cancel your PAAY account, you may do so by logging into your PAAY account or by emailing us using the contact details provided below. However, even after you cancel your PAAY account, we may retain archived copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law or as we believe is reasonably necessary to comply with applicable law, regulation, legal process or governmental request, to prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Seller Agreement or other applicable agreements or policies or to take any other actions consistent with applicable law. The termination of your PAAY account shall not result in the automatic termination of any merchant processing services that may be receiving from PAAY and/or any other account(s) that PAAY and/or you may have established in connection with such merchant processing services, if applicable.
We try to make your experience with PAAY simple and meaningful. When you access or use the Services, our web server may send a cookie to your Device. Certain cookies we use last only for the duration of your web or application session and expire when you close your browser or exit the application. Other cookies are used to remember you when you return to use the Services and as such, will last longer.
Some of the cookies used in the Services are set by us, and others are set by third parties who deliver services on our behalf.
Most web and mobile device browsers are set to automatically accept cookies by default. However, you can change your browser settings to prevent automatic acceptance of cookies or to notify you each time a cookie is set.
You also can learn more about cookies by visiting http://www.allaboutcookies.org, which includes additional useful information on cookies and how to block cookies on different types of browsers and mobile devices. Please note, however, that by blocking or deleting cookies used in the Services, you may not be able to take full advantage of the Services.
Essential cookies are cookies that enable you to navigate and use all the features in the Services provided by us. For example, without these, you would not be able to navigate between pages on the website
These cookies enable us to remember you have used our Services before, preferences you may have indicated and information you have provided to us to give you a customized experience. For example, this would include ensuring the continuity of your registration process.
This information is used to make sure our Services can cope with the volume of users, to help us correct errors in the Services and to measure use across our Services. These cookies help us understand if you have used our Services before so we can identify the number of unique users we receive. They also help us understand how long you spend using our Services and from where you have accessed the Services, so that we can improve the Services and learn about the most popular aspects of the Services. We use third parties, for example, Google Analytics, to analyze statistical information from users of the Site. We might be able to associate such information with other information which we collect from you once we receive it from a third party.
These cookies collect information about the pages you visit and also other information about other websites you visit. This information is only collected by reference to the cookie identifier that you are using.
Examples of our third-party service providers include:
Facebook: To understand more about Facebook advertising please see here https://www.facebook.com/about/ads
You may opt out of receiving promotional messages from PAAY at the time that you provide your information or thereafter via the unsubscribe link contained within each of our promotional messages. If you decide to opt out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.
PAAY does not knowingly collect personal information from minors who are under the age of 18 through the Site and/or the Services thereon. If a parent or guardian becomes aware that his or her child has provided us with personally identifiable information without his/her consent, then he or she should contact PAAY at the contact information described below. If we become aware that a child under the age of 16 has provided us with personally identifiable information, we will delete such information from our files. Further, the Children’s Online Privacy Protection Act (“COPPA”) requires parental consent for collection of data from children younger than the age of 13 years old. For tips on protecting children’s privacy online, generally, please view the U.S. Federal Trade Commission (“FTC”) website at http://www.ftc.gov/privacy/privacyinitiatives/childrens.html.
California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us at the address provided below in the “Contact Us” section.
If you are a California resident, please refer to our California Privacy Act Notice for additional privacy rights you have pursuant to the California Consumer Privacy Act of 2018, Cal. Civ. Code §1798.100 et. seq.
We do not sell the personal information that we collect on California residents.
Nevertheless, PAAY cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. In the event that any information in our possession or under our control is compromised as a result of a security breach, we will take reasonable steps to investigate the situation and, where appropriate, notify those individuals whose information may have been compromised and take other steps in accordance with applicable laws or regulations.
PAAY is committed to protecting your privacy rights. Further, where we transfer your information we will take all reasonable steps to ensure that your privacy rights continue to be protected under applicable data protection legislation.
By interacting with our Services, you agree to this storing, processing and/or transfer described above.
If any provision hereunder conflicts with those contained in any other agreement that you may sign or have signed with PAAY from time to time and/or any other terms and conditions imposed by PAAY under which you are subject, then these Terms shall govern your use of the Site/Services, and those other agreements/terms and conditions shall govern all such other uses.
If you have any questions or concerns regarding our policy or if you believe our policy or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our Privacy Department listed above and we will respond to let you know who will be handling your matter and when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We will keep records of your request and any resolution.
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