Privacy Policy

YOUR PRIVACY RIGHTS

This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the PayQwick website and all related sites, applications, services and tools regardless of how you access or use them.

SCOPE AND CONSENT

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “PayQwick Services”). We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days’ prior notice by posting notice of the change on the “Policy Updates” page of our website. After this 30-day notice period, you will be considered as having expressly consented to all amendments to this policy.

COLLECTION OF PERSONAL INFORMATION

We collect the following types of personal information in order to provide you with the use of and access to our sites, applications, services and tools, and to help us personalize and improve your experience:

Information we collect automatically: When you visit the PayQwick website or use PayQwick Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes but is not limited to the following: data about the pages you access, computer IP address, device ID or unique identifier, device type, geo-location information, computer and connection information, mobile network information, statistics on page views, traffic to and from the sites, referral URL, ad data, and standard web log data and other information. We also collect anonymous information through our use of cookies and web beacons.

Information you provide to us: We may collect and store any information you enter on the PayQwick website or you provide to us in context of using our site, applications, services, or tools.

When you visit the PayQwick website or use PayQwick Services, we also collect information about your transactions and your activities. In addition, if you open a PayQwick account or use PayQwick Services, we may collect the following types of information:

– Contact information, such as your name, address, phone, email and other similar information.

– Financial information, such as the full bank account numbers and/or credit card numbers that you link to your PayQwick account or give us when you use PayQwick Services.

– Detailed personal information such as your date of birth.

We may also collect information from or about you in other ways, such as through your contact with our customer support team, your results when you respond to a survey, and your interactions with members of the PayQwick, INC corporate family or other companies. Additionally, for quality and training purposes or for its own protection, PayQwick may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with PayQwick, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.

Information from other sources: We may also obtain information about you from third parties such as credit bureaus, identity verification services and governmental agencies.
You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter) or governmental agencies. The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your PayQwick account and authorizing PayQwick to have access to this information, you agree that PayQwick may collect, store and use this information in accordance with this Privacy Policy.
Authentication and Fraud Detection: In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with our website or PayQwick Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.
Mobile Privacy: We may offer you the ability to connect with our sites, or use of our applications, services, and tools using a mobile device, either through a mobile application or via a mobile optimized website. The provisions of this Privacy Policy apply to all such mobile access and use of mobile devices. This Privacy Policy will be referenced by all such mobile applications or mobile optimized websites.

When you download or use our Mobile Applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device’s setting’s menu. If you have questions about how to disable your device’s location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.

HOW WE USE THE PERSONAL INFORMATION WE COLLECT

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. If you are using the PayQwick Services to purchase products that are regulated under state law or otherwise engage in transactions regulated under state law, we may use your personal information to help ensure compliance with the state’s laws governing the purchase and sale of those products and transactions. We also may use your personal information to:

– provide PayQwick Services and customer support;

– process transactions and send notices about your transactions;

– resolve disputes, collect fees, and troubleshoot problems;

– prevent potentially prohibited or illegal activities, and enforce our PayQwick Site User Agreement;

– customize, measure, and improve PayQwick Services and the content, layout, and operation of our websites and applications;

– deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;

– contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our PayQwick Site User Agreement;

– compare information for accuracy and verify it with third parties.

MARKETING

We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize PayQwick Services, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notification section under the Settings tab and updating your preferences, or by following the directions that may be provided within the communication or advertisement.
We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.

We may call or send a text message (SMS) to you via the landline or mobile phone number that you have provided to us.You can indicate your contact preferences by logging into your account and adjusting your preferences in your Account Information Settings or by following the directions provided within the communication.

HOW WE USE COOKIES AND SIMILAR TECHNOLOGIES

When you access our website or use PayQwick Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively “Cookies”). We use these technologies to recognize you as a customer; help ensure compliance with state laws; customize PayQwick Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and PayQwick Services.

You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud, ensure compliance with state law or ensure the security of websites we control. However, declining our Cookies may interfere with or prevent your use of our website and PayQwick Services.

Do Not Track: Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to DNT signals. We do, however, provide you notice of the tracking by advertisers and other third parties in our Privacy and Cookies policies.

HOW WE PROTECT AND STORE PERSONAL INFORMATION

Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

We store and process your personal information on our computers in North America. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.

HOW WE SHARE PERSONAL INFORMATION WITH OTHER PAYQWICK USERS

To process your payments, we may share some of your personal information with the person or company that you are paying or that is paying you. Your contact information, date of sign-up, the number of payments you have received from verified PayQwick users, and whether you have verified control of a bank account are provided to other PayQwick users with whom who you transact through PayQwick. In addition, this and other information may also be shared with third parties when you use these third parties to access PayQwick Services and with governmental agencies to ensure compliance with state law. Unless you have agreed to it, these third parties are not allowed to use this information for any purpose other than to enable PayQwick Services and ensure compliance with state law.

If someone is sending you money and enters your email address, we will provide them your registered name so they can verify they are sending the money to the correct account.