This policy describes your individual 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.
Right to Know (Collection and Disclosure): You have the right to request that we disclose certain information about how we have handled your personal information in the prior 12-months, including the:
– Categories of personal information collected about you.
– Categories of sources from which we collected your personal information.
– Business and/or commercial purposes for collecting and disclosing your personal information.
– Categories of third parties to/with whom your personal information has been disclosed/shared, including for a business purpose.
– The specific pieces of personal information collected about you.
Right to Access and Portability: You have the right to obtain a list of categories and a copy of the personal information, in a portable and (if technically feasible) readily usable format, collected on you covering the 12-month period preceding the request.
Right to Deletion: You have the right to request the deletion of your personal information we have collected from you. This right may be subject to certain conditions and limitations under the law.
Right to be Free from Discrimination: You may exercise all of the above rights at all times and PayQwick will not unlawfully discriminate against you for exercising your rights.
Right to Opt-out of Sale of Personal Information: PayQwick does not sell your personal information, however, you have the right to opt-out of the sale of your personal information to third parties.
Submitting a Request to Exercise Your Rights: To exercise your rights as set above or if you have any questions, please contact Customer Support at 1-888-729-7942 or email us at email@example.com.
SCOPE AND CONSENT
You accept this policy when you 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 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 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 activities. In addition, if you are a user on 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.
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 identity verification services.
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.
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 policy apply to all such mobile access and use of mobile devices. This 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. 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 manufacturer of your particular device.
You may choose to opt-out of the collection of any or all personal information by contacting Customer Support at 1-888-729-7942 or by email at firstname.lastname@example.org. You understand that if you opt-out of the collection of personal information, you may lose access to certain features and functionalities of the PayQwick Services.
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. We also may use your personal information to:
– Provide PayQwick Services and customer support.
– Send notices about transactions on the account in which you are a user.
– 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.
– Contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging
– Comply with any government or law enforcement request or legal process, including but not limited to subpoenas.
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 no longer wish to receive notifications via our mobile 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. If you do not wish to receive marketing communications from us, call a PayQwick Customer Service Professional at 888-729-7942.
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.
HOW TO MAKE CHANGES TO YOUR PERSONAL INFORMATION
You can update or correct the personal information associated with your PayQwick account. You can make such changes on the PayQwick user portal website under your user profile, or you can request changes to your personal information by contacting Customer Support at 1-888-729-7942 or by email at email@example.com.
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 take your privacy seriously. We store and process your personal information on our servers in North America and we maintain logs and monitor those logs on a regular basis. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. We utilize safeguards such as firewalls and data encryption, security controls to our data centers, and information access authorization controls.
OTHER IMPORTANT INFORMATION
Arizona: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc., you may contact us directly at 1-888-729-7942 or by email at firstname.lastname@example.org.
California: If you have complaints with respect to any aspect of the money transmission activities conducted at this location, you may contact the California Department of Financial Protection and Innovation (DFPI) online, at its toll-free telephone number, 1-866-275-2677, by email at email@example.com, or by mail at the Department of Financial Protection and Innovation, Attn: Consumer Services, 2101 Arena Boulevard, Sacramento, CA 95834.
Florida: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc. you may contact Florida Office of Financial Regulation, Attention Division of Finance, 200 E. Gaines Street, Tallahassee, FL 32399-0376, Toll-Free Number: 1-800-848-3792.
Illinois: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc. you may contact the Illinois Department of Financial and Professional Regulation toll free at 1-888-472-4858.
Maryland: The Commissioner of Financial Regulation for the State of Maryland will accept questions or complaints from Maryland residents regarding PayQwick, Inc. (license number: 12-1640019, and NMLS No: 1640019) at: Commissioner of Financial Regulation, Attention Complaint Unit, 500 North Calvert Street, Suite 402, Baltimore, Maryland 21202, toll-free telephone number: 1- 888-784-0134.
Michigan: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc., you may contact us directly at 1-888-729-7942 or by email at firstname.lastname@example.org.
Oregon: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc., you may contact us directly at 1-888-729-7942 or by email at email@example.com.
Washington: If you have complaints or other concerns with respect to any aspect of the money transmission activities conducted by PayQwick, Inc., you may contact us directly at 1-888-729-7942 or by email at firstname.lastname@example.org.