Privacy Policy For Paayes Corporation

Introduction

Welcome to Paayes Corporation. (www.Paayes.com). This policy covers how Paayes Corporation. protects and uses the collected information about the user. Paayes Corporation. protects the privacy of all users who visit or use our Service (collectively or individually, "you" or "Users").

The purpose of the Privacy Policy informs you about the information we collect, share and protect when you visit or use the Paayes Corporation. payment platform (the "Service"). By using the Service you express your agreement with this Privacy Policy. This Privacy Policy applies to all personally identifiable information collected on the website where this Privacy Policy is posted. You must be at least 18 years of age to use the Paayes Corporation. service. Please note if the user is under the age of 18, the user must get consent of a parent or legal guardian to access the Service. Paayes Corporation. does not knowingly collect or maintain personally identifiable information from persons under the age of 18 years. If Paayes Corporation. learns that personally identifiable information of those under the age of 18 years has been collected on our website or through our Service, then Paayes Corporation. will take the appropriate action to delete the information.

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 “Paayes Services”). This Privacy Policy is intended to govern the use of Paayes Services by our users (including, without limitation those who use the Paayes Services in the course of their trade or business) unless otherwise agreed through contract. We may amend this Privacy Policy at any time by posting a revised version on our website. The revised version will be effective as of the published effective date. 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 Privacy Policy.

This Privacy Statement details Paayes’s policies with respect to the handling of personally identifiable information ("Personal Information") submitted to or otherwise collected by Paayes via Paayes 's website(s), mobile application(s), and/or in the course of providing its payment processing, payment security and fraud management solutions and services (collectively the “Services”). Paayes will use and disclose Personal Information in accordance with the terms of this Privacy Statement.

Personal Information we collect:

Personal Information is information which can be used to identify an individual. We collect Personal Information any time the Services are used. The Personal Information collected includes information provided to us directly by individuals and that is provided to us by merchants or financial institutions. The collection of Personal Information described herein is necessary for use of the Services. This information includes but is not limited to:

Consumer Name
Contact information (such as email address, phone number, and mailing address)
Order and payment information

We collect other information, such as:

IP address and information about the device used to access the Services
How and which Services are used
Merchant and merchant account information, including account information we may gather from third party sources
Information provided to us through means such as social media or when you contact us through our website.

We also collect or compile other information about you (such as enrollment numbers or demographic group information) which does not identify you. We may use or share any other information with third parties for any lawful purpose.

Collection of Personal Information

We collect the following types of personal information in order to provide you with the use of Paayes Services, and to help us personalize and improve your experience.

Information we collect automatically: When you use Paayes 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 (visit How we use Cookies and Similar Technologies for more information).

Information you provide to us:Information you provide to us: We may collect and store any information you provide us when you use Paayes Services, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding Paayes Services.

When you use Paayes Services, we also collect information about your transactions and your activities. In addition, if you open a Paayes account or use Paayes 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 Paayes account or give us when you use Paayes Services.
Detailed personal information such as your date of birth or national ID number.

We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the Paayes corporate family or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, Paayes may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with Paayes, 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 and identity verification services.

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). 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 Paayes account and authorizing Paayes to have access to this information, you agree that Paayes 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 Paayes Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

Using Your Mobile Device: We may offer you the ability to connect with Paayes Services 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.

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.

Paayes customers, the customers of its affiliates, and the customers of other third-parties for which Paayes may provide outsourced or subcontracted processing services, ("Merchants") are businesses and other legal entities desiring to accept credit or debit cards or other payment methods, as payment for goods or services. Paayes does not have direct relationships with, or collect information directly from, individual consumers other than in their capacity as owners or operators of a commercial enterprise. Paayes does not provide services for consumer, personal, family or household purposes. The information we receive and collect is strictly related to our business customers and the payment transactions that we assist them in executing, as well as from prospective or potential business customers or website visitors who may be interested in learning more about our services ("Customer Data"). The transaction information we receive from our Merchants may include personal financial information about their customers or applicants (e.g., name, address, credit or debit card account numbers and expiration dates, etc.) who may be individual consumers and other cardholders ("Cardholder Data"). Paayes understands that such information is sensitive and takes appropriate steps to protect the confidentiality and security of all information collected by Paayes in accordance with this Privacy Statement.

Customer Data and Cardholder Data

Use and disclosure of Customer Data collected by Paayes varies based on the information source and type, as set forth below:

Browsing the Website. When you browse Paayes's website, we may collect information regarding the domain and host from which you access the Internet, the Internet Protocol address of the computer or Internet Service Provider you are using, and anonymous site statistical data. In addition, we may collect information that you voluntarily provide us via online forms and questionnaires, including information you may provide about your business in order to apply to become a Merchant, or thereafter if you use any of our online Merchant services. Paayes's website is intended for commercial use only, and we collect, retain and use information about visitors to our websites only for specific business purposes, including: (i) to respond to requests for information about our products and services (see "Your Inquiries" below), (ii) to administer the website or improve site performance, (iii) to provide customer support (e.g., to allow a prospective Merchant to complete an online account application, to allow a Merchant to view and manage records, accounts and funds, or to help enhance our products and services); (iv) for security purposes and to combat fraud (e.g., to protect against unauthorized access to Paayes systems, or Merchant accounts and information), (v) to generate broad statistical and demographic information, and (vi) to comply with certain laws, regulations, and card association rules and regulations. In addition, when you link to Paayes's website from the website of any third-party advertiser, we may receive information about you from such third-party, including your contact information and information stored in "cookies" on such third-party's website. Please check the privacy policy of these websites concerning what information may be collected by the third-party and shared with Paayes. Such information is used by us only for the purposes set forth above with respect to information collected directly from you at our own website.
Your Inquiries. When you complete and submit a form on our website, send us an e-mail, send us a fax, or contact us by telephone to solicit information about our services or the company in general, Paayes may store the inquiries and their contents. Information you submit via an inquiry is collected only with your knowledge and active participation, and may be used by Paayes to respond to your inquiries, to contact you, to inform you of services of Paayes or its partners that may be of use to you, and for similar business purposes. Information collected during the course of an inquiry will not be sold or otherwise disclosed to any third party; provided that such information may be shared internally with our affiliated entities for the business purposes set forth above.
Opening an Account or Using Paayes Services. When you submit an application to obtain a Merchant account and become a Merchant, you will be required to provide us with certain information about your business, and its owners and officers, which may also act as guarantors of the Merchant's obligations. Paayes may also obtain and store information about the Merchant, and its officers, owners and guarantors, from consumer reporting agencies, credit bureaus, relevant financial institutions, and other entities. Paayes may use, retain and disclose this information to (i) comply with any applicable federal legislation requiring Paayes to obtain, verify, and record information that identifies each entity with which it establishes a Merchant relationship, and (ii) evaluate your eligibility for a Merchant account, which may involve disclosure to consumer reporting agencies, commercial credit bureaus, and relevant financial institutions. Paayes may also use your information to contact you about other Paayes offerings and services. If you are, or become a Merchant, Paayes may disclose your information during the course of providing such services to card associations, banks and other financial institutions that are involved in the course of processing or screening the transaction, and to third parties that have contracted with Paayes to perform certain functions of our services on our behalf. In addition, Paayes may use, or disclose your information to third parties for the additional purposes of facilitating and completing merchant-initiated or authorized transactions, complying with federal, state and local laws, including credit reporting laws and card association rules, assisting in preventing fraud, or informing you about general company news, product updates and developments, card association rules, and industry trends, offering you products and services that may be of interest to you, or as otherwise may be permitted or required by applicable law.
Customers of Our Merchants. A customer who purrs Paayes a product or service from a Merchant using a credit or debit card, or any other method of payment for which we provide the Merchant with transaction processing services, is required to provide that Merchant with certain Cardholder Data in order to make the purr Paayes Corporation including the customer's name and credit card number. Our Merchants may transmit certain parts of this information to Paayes for the purpose of processing the transaction. During the course of providing processing services to our Merchants, we may disclose such Cardholder Data to banks, processors, credit and debit card organizations and associations, and other financial institutions that are involved in the course of effecting the transaction represented by the Cardholder Data. In addition, we may disclose some or all of the information we collect, to our affiliated companies or to non-affiliated third parties (subject to contractual confidentiality provisions to protect such information) such as a vendor or service company that we hire to prepare our Merchants' account statements or to provide support or services for one or more of our products. We will not disclose Cardholder Data to any third party, except to facilitate and complete transactions submitted to us by Merchants, or otherwise in the course of providing services to our Merchants, or to comply with federal, state and local laws or the rules and regulations of the respective card organizations or other payment entities (e.g. Visa, MasterCard, American Express, NACHA, etc.).

In addition, Paayes may share certain Customer Data (but not Cardholder Data) with its affiliated entities for marketing purposes and other business purposes.

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 may use your personal information to:

provide Paayes Services and customer support;
process transactions and send notices about your transactions;
verify your identity, including during account creation and password reset processes;
resolve disputes, collect fees, and troubleshoot problems;
manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
detect, prevent or remediate violations of policies or applicable user agreements;
improve the Paayes Services by customizing your user experience;
measure the performance of the Paayes Services and improve their content and layout;
manage and protect our information technology infrastructure;
provide targeted marketing and advertising, provide service update notices, and deliver 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 User Agreement;
perform creditworthiness and solvency checks, and compare information for accuracy and verify it with third parties.

Use of Information

When opening a Paayes Corporation. account, we will collect the users contact information including - your name, address, phone number, email, date of birth, and other similar information. This information can be reviewed and edited at any time by logging into your account and clicking on "Settings" found under the "My Account" tab.

You can close your account through the Service on the Paayes Corporation. website by editing your Paayes Corporation. Account information. If you close your Paayes Corporation. account, we will mark your account in our database as "Closed". Your account information will remain in our database. This information will not be sold or rented to any third parties.

Standard web information is collected when you visit the Paayes Corporation. website or access the Service. The information is sent to us by your computer, mobile phone, or other device you use to access the Internet and contains your IP address, operating system, and standard web log information such as your browser type, sites you visited featuring the Service and the pages you access on our website.

Additional user information is collected from third party payment service providers, the website by which you access our Service and when you contact our support team. Paayes Corporation. uses user information to provide additional features found on the Service. Paayes Corporation. aggregates user information on what pages users access or visit, user-specific information on what pages consumers access or visit, information volunteered by the consumer (such as surveys and/or site registrations), digital goods purrs Paayes, name, address and limited payment information (e.g., partial credit card information) to allow Paayes Corporation. to track user-generated content and users to the extent necessary to comply as a service provider with the Digital Millennium Copyright Act.

User information is also used to deliver relevant advertisements to each user. We have relationships with ad servers to place ads on our web pages and our platform. The ad server companies may collect information such as your domain type, IP address, and clickstream information but not limited to those, we do not have control over the information that is submitted to, or collected by these third parties. You can consult the privacy policy of these other sites to learn how your privacy is protected.

Paayes Corporation. processes personal information on our servers in many countries around the world. We may process your personal information on a server located outside the country where you live.

How we use Personal Information

Usage and disclosure of Personal Information varies based on a party’s relationship with Paayes. Paayes primarily uses this information to provide the Services and related features and to

Facilitate the processing of payment transactions
Respond to requests and inquiries
Provide support services
Send administrative information, such as changes to our terms, conditions, and policies
Administer promotions or contests
Facilitate social sharing functionality
Analyse and monitor Services usage and to make improvements
Help secure the Services, prevent fraud and enforce our policies
Help personalize our Services
Communicate about other Paayes services or those of our affiliates or other third parties
To make contact, directly or through a third party vendor, to complete a survey or questionnaire
To communicate, directly or through a third party vendor, about Paayes offerings, about general company news and industry trends, and to address responses to a survey or questionnaire
Compile information for use on an aggregated and de-identified basis
Conduct data analysis and research, audits, develop new products, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities
Perform other activities with consent
provide Paayes Services and customer support;
process transactions and send notices about your transactions;
verify your identity, including during account creation and password reset processes;
resolve disputes, collect fees, and troubleshoot problems;
manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
detect, prevent or remediate violations of policies or applicable user agreements;
improve the Paayes Services by customizing your user experience;
measure the performance of the Paayes Services and improve their content and layout;
manage and protect our information technology infrastructure;
provide targeted marketing and advertising, provide service update notices, and deliver 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 User Agreement;
perform creditworthiness and solvency checks, and compare information for accuracy and verify it with third parties.

We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about Paayes Services and the services of our corporate family. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialed or prerecorded calls and text messages. Where applicable and permitted by law, you may decline to receive certain communications.

How we share Personal Information

We will only share Personal Information as described in this policy. Specifically, we may share Personal Information:

As necessary to perform the Services and to complete payment transactions
With companies and vendors that help us to operate our business by providing services such as website hosting, fraud screening, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing and other similar services
With third parties that have contracted with Paayes to perform certain functions on our behalf
With third parties sponsors of promotions or contests where consent has been given
To comply with law or other legal obligations such as responding to subpoenas, or other requests from public and government agencies, including laws and other legal obligations outside a party’s country of residence
To protect our rights, operations or property, or that of our users
To investigate, prevent, or take action regarding potential or suspected illegal activities, fraud, threats to the personal safety of any person, or violations of the Service’s terms and conditions
With other companies that control, are controlled by, or are under common control with Paayes that support the provision of Transaction Services or relationship with a party. This includes its subsidiaries and parent companies.
With a purr Paayes of all or a unit of Paayes (or the majority of Paayes’s or its unit’s assets), a merger, acquisition, or internal reorganization of Paayes or a unit of Paayes
With consent

Please note that any information posted to public areas such as on our social media pages may be seen by other visitors.

How We Share Personal Information with Other Paayes Users

When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction. To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is against our policies and constitutes a violation of our User Agreement.

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

We work with third parties, including merchants, to enable them to accept or send payments from or to you using Paayes. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a Paayes customer and that Paayes as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a Paayes customer with a third party, we will do so.

If you link your loyalty or gift card of a Paayes merchant to your account, we may share your card number with that merchant when you pay using Paayes.

Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although Paayes’s User Agreement does not allow the other transacting party to use this information for anything other than providing Paayes Services, Paayes is not responsible for their actions, including their information protection practices.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using Paayes, or with the third parties that offer or use Paayes Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.

How We Share Personal Information with Other Third Parties

We may share your personal information with:

Members of the Paayes corporate family, such as Paayes Credit, Venmo or Braintree, to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services, and communications. Members of our corporate family will use this information to send you marketing communications only if you have requested their services.
Financial institutions that we partner with to jointly create and offer a product (including but not limited to, the Paayes Extras credit card where we share information with GE Capital to determine whether you should receive pre-approved offers for the Paayes Extras credit card). These financial institutions may only use this information to market Paayes-related products, unless you have given consent for other uses.
Credit bureaus and collection agencies to report account information, as permitted by law.
Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having Paayes close your Paayes Account due to your breach of Paayes’s User Agreement).
Companies that we plan to merge with or are acquired by. (Should such a combination occur, we will require that the new combined entity follow this Privacy Policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
Law enforcement, regulators, government officials, or other third parties (in Singapore or elsewhere) in relation to a subpoena, court order, or other legal process or requirement under Singapore law or regulation, or the laws and regulations of other jurisdictions that are applicable to Paayes or one of its Affiliates; when we need to do so to comply with such law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss; to report suspected illegal activity or investigate violations of our User Agreement

Other unaffiliated third parties, for the following purposes:

Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk. For example, if you use the Paayes Services to buy or sell goods using eBay Inc. or its affiliates (“eBay”), we may share account information in order to help protect your account from fraudulent activity, alert you if we detect such fraudulent activity on your accounts, or evaluate credit risk.
As part of our fraud prevention and risk management efforts, we also may share necessary account information with eBay in cases where Paayes has placed a hold or other restriction on your Account based on disputes, claims, chargebacks or other scenarios regarding the sale or purPaayes of goods. Also, as part of our fraud prevention and risk management efforts, we may share account information with eBay to enable them to operate their programs for evaluating buyers or sellers.
Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional).
Shipping: in connection with shipping and related services for purPaayess made using Paayes.
Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country. If you open a Paayes account directly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a Paayes website) will be shared with the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. Paayes is not responsible for the content or information practices of such third parties.

Personal Information Privacy

The term "personal information" is used to describe the information that can be used to identify, contact or locate a single person or can be used with other sources to uniquely identify a single individual.

We will not share your personal information with third parties unless we believe in good faith that:

(I) Such information is permitted to being subject to access, use, preservation or disclosure to reasonably and necessarily satisfy any applicable law, regulation or legal process.

(II) Such action is appropriate to enforce the Terms of Use for the Service.

(III) Such action assists in detecting, preventing and vice versa, addressing fraud, security or technical issues associated with the Service.

(IV) Such action is appropriate to protect the rights and property as well as encourage safety of Paayes, its employees, users of the Service and others.

Customers may prevent their information from being used by other services by e-mailing or mailing Paayes Corporation. a letter to the address below. We respect each request and will provide site visitors a description of information that we maintain about them.

Protection of your Personal Information

We follow strict procedures to ensure that your personal and financial information remain secure. To prevent unauthorized access or disclosure of your information, we have put in place stringent and up to date procedures to protect your information online.

We use secure socket layer (SSL) to encrypt all of your personal and financial information during transactional processes. We also perform annual audits to ensure our handling of your credit card information aligns with industry guidelines. We are certified as a PCI DSS Level 1 compliant service provider, which is the highest level of compliance available, and our platform is audited annually by a third-party qualified security assessor.

How We Protect and Store Personal Information

Throughout this Privacy 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, Asia, Europe and elsewhere in the world where our facilities are located. 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.

Protection of Cardholder Data and Customer Data

Paayes has implemented various measures, including appropriate administrative, technical and physical safeguards, designed to ensure the security and confidentiality of Cardholder Data and Customer Data, protect against anticipated threats or hazards to the security or integrity of such information, and protect against unauthorized access to or use of such information. Such measures may include, among others, encryption, physical access security and other appropriate technologies. Paayes continually reviews and enhances its security systems, as necessary. Paayes is subject to the detailed rules and regulations of the various credit and debit card organizations and networks (i.e. VISA, MasterCard, American Express, NYCE, Star, etc.), relating to the security and safeguarding of Cardholder Data, including, but not limited to, the Payment Card Industry Data Security Standards ("PCI"), VISA Inc.'s Cardholder Information Security Program ("CISP") and MasterCard International's Site Data Protection Program ("SDP"). Paayes endeavors to comply with all such rules at all times. Pursuant to such rules and regulations, Paayes is required to undergo periodic third-party assessments and periodic network scans to ensure that, among other things, Paayes has installed and maintains a firewall configuration to protect data; does not use vendor-supplied defaults for system passwords and other security parameters; protects stored data; encrypts transmission of Cardholder Data and sensitive information across public networks; uses and regularly updates anti-virus software; develops and maintains secure systems and applications; restricts access to data to those with a business need-to-know; tracks and monitors all access to network resources and Cardholder Data; regularly tests security systems and processes; assigns a unique ID to each person with computer access; restricts physical access to Cardholder Data; and maintains a policy that addresses information security. Additional information regarding the requirements of VISA's CISP and Mastercard's Site Data Protection program (SDP) can be found on the VISA, Inc. and MasterCard International Web sites.

We are subject to the rules and regulations of credit and debit card associations and networks, such as VISA, MasterCard, American Express, Discover, Accel, NYCE, and Interlink. We are also compliant in regards to the security and safeguarding of cardholder information with “PCI DSS” (Payment Card Industry Data Security Standards), and “CISP” (Cardholder Information Security Program). We comply with all related rules and regulations at all times. We undergo periodic third-party assessments and network scans to ensure that we have installed and maintained a firewall configuration to protect data; encrypt transmission of cardholder data and sensitive information across networks; restrict access of data to those that need to know; track and monitor all access to network resources and cardholder data; regularly test security systems and processes; assign a unique ID to each person with computer access; restrict physical access to cardholder data; and maintain a policy that addresses information security. Additional information regarding these requirements can be found at: https://www.pcisecuritystandards.org/pdfs/pci_fs_data_storage.pdf

Responsibility of Merchants

Merchants are also required to comply with various rules and regulations of the various credit and debit card organizations and networks relating to the security and safeguarding Cardholder Data, including, but not limited to, PCI, CISP and SDP. Merchants may be required to undergo periodic third-party data security assessments and periodic network scans to ensure that appropriate security measures are in place.

Additional Internet Privacy Policies

Cookies: By using this site you agree to the placement of cookies on your computer in accordance with the terms of this policy. If you do not wish to accept cookies from this site please either disable cookies or refrain from using this site.

What are Cookies? A cookie is a text-only string of information that a website transfers to the cookie file of the browser on your computer's hard disk so that the website can recognize you when you revisit and remember certain information about you. This can include which pages you have visited, choices you have made from menus, any specific information you have entered into forms and the time and date of your visit.
Types of cookies: There are two main types of cookies:
- Session cookies: these are temporary cookies that expire at the end of a browser session; that is, when you leave the site. Session cookies allow the website to recognize you as you navigate between pages during a single browser session and allow you to use the website most efficiently. For example, session cookies enable a website to remember that a user has placed items in an online shopping basket.
- Persistent cookies: in contrast to session cookies, persistent cookies are stored on your equipment between browsing sessions until expiry or deletion. They therefore enable the website to "recognize" you on your return remember your preferences and tailor services to you.
- In addition to session cookies and persistent cookies, there may be other cookies which are set by the website which you have chosen to visit, such as this website, in order to provide us or third parties with information.
Our use of Cookies: We currently use, and may use in the future, the following types of cookies on this website.
We use session cookies to:
- Help us maintain security and verify your details whilst you use the website as you navigate from page to page, which enables you to avoid having to re-enter your details each time you enter a new page.
- We use persistent cookies to:
- Help us maintain security and verify your details whilst you use the website as you navigate from page to page, which enables you to avoid having to re-enter your details each time you enter a new page.
- Remember how you have customized your use of this site, such as your preferred currency and time zone
- Collect and compile anonymous, aggregated information for statistical and evaluation purposes to help us understand how users use the website and help us improve the structure of our website.
- Access your information when you "sign in", so that we can provide you with customized content in online areas such as Paayes Online.
- Display the most appropriate banners to Paayes and third party offerings based on your activity while on Paayes's site.
- Conduct research to improve Paayes content and services.
- Require you to re-enter your Paayes password after a certain period of time has elapsed to protect you against others accidentally accessing your account contents or otherwise accessing your account contents without authorization.
  Many cookies are designed to give you optimal usage of the web. For example, we use cookies to enable you to improve your user experience when using our website, e.g. a cookie which recognizes if your browser supports specific technology features. This helps, for example, in enabling web pages to be loaded more quickly when you request the download of a large file. In addition to cookies which send information to us, we also use cookies which collect information and send it to third parties. An example of this is Google Analytics. Please check the relevant third party website for more information about their use of cookies. Where this site allows such cookies to be set or you access other websites from this site using the links provided, the operators of these websites will use cookies in accordance with their own cookies policy, which may differ from ours. As with first party cookies, you are able to block third party cookies through your browser settings. Some of our cookies may collect and store your personal information, such as your name or email address. We are committed to respecting and protecting your privacy and will ensure that all personal information collected by us is kept and treated in accordance with this privacy policy.
Refusing Cookies on this Site. Most browsers are initially set to accept cookies. However, you have the ability to disable cookies if you wish, generally through changing your internet software browsing settings. It may also be possible to configure your browser settings to enable acceptance of specific cookies or to notify you each time a new cookie is about to be stored on your computer enabling you to decide whether to accept or reject the cookie. To manage your use of cookies there are various resources available to you, for example the "Help" section on your browser may assist you. You can also disable or delete the stored data used by technology similar to cookies, such as Local Shared Objects or Flash cookies, by managing your browser's "add-on settings" or visiting the website of its manufacturer. As our cookies allow you to access some of our website's essential features we recommend that you leave cookies enabled, otherwise, if cookies are disabled, it may mean that you experience reduced functionality or will be prevented from using this site altogether.

Third-Party Web Sites. Paayes may create links to third-party Web sites. In addition, Paayes may authorize third-parties to create links to Paayes websites. Paayes is not responsible for the content or privacy practices employed by third-party Web sites. Nor does Paayes control or warrant the utility, merchantability or workmanship of the products or services offered at third-party Web sites.

Web Optimization. Paayes also may use cookies to track advertising leads and campaigns from banner advertisements, third party advertisement services and third party web optimization services. Paayes may hire third party companies to track and report performance of advertising and marketing campaigns to and from Paayes and third party web sites. These companies may also set cookies and use related technology, such as tracking pixels. Tracking pixels (also known as action tags, web beacons, or transparent GIF files) and other similar tracking technologies may be used to collect and store information about user visits, such as the user's anonymous cookie ID, page visits and duration, and the specific ad or link(s) that the user clicked on to visit the site. No personally identifiable information is stored on these cookies or web pixels. This user activity information is reported to us in the aggregate and is anonymous. We use this information in the aggregate to understand, for example, the effectiveness of our advertising and marketing.

Children. Paayes does not solicit or knowingly accept information from persons under the age of eighteen (18). Our web sites are not designed with the intent to attract or encourage viewing by children.

EU Cardholder Data. In addition to processing transactions for its own Merchants based in the United States, Paayes provides processing services in the U.S. for its European affiliate, Paayes Europe Limited (“CPEL”), and its European customers and, as a result, processes cardholder data belonging to the European customers of CPEL’s customers (“EU Cardholder Data Processing”) in accordance with applicable data protection requirements. If any consumers in the EU have any questions about the EU Cardholder Data Processing , such consumers should reach out to the Chief Compliance Officer at Paymentech, LLC, 14221 Dallas Parkway, Dallas, Texas, 75254. Questions that are not otherwise resolved with the Merchant and/or Paayes may also be directed to local EU data protection authorities.

How We Use Cookies and Similar Technologies

When you access our website or use Paayes 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; customize Paayes 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 Paayes Services.

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

For more detailed information on our use of these technologies, please see our policy on Cookies Policy.

Like many websites, we use "cookies" to collect information. Cookies are small data files used to recognize Paayes Corporation. users, to store user preferences, record user-specific information on what pages users access or visit, record past activity at a site to provide better service when visitors return to our site, help prevent fraud, and to provide trust and safety. Browser settings can be changed to alert you of accepting cookies and will prompt you to accept a cookie or it can disallow cookies. If cookies are disallowed, you may have limited access to Paayes's Services.

Paayes and its third party service providers use certain tools to collect information about users browsing our website. These tools use cookies which are small text files that are stored on a user’s computer hard drive. The cookies are used, among other things, to improve website performance, to provide customized viewing options, to compile statistical reports on website activity, for fraud reduction or for security purposes. We also use cookies to recognize customers or a previous visitor of our website, or to pre-populate website forms. Such information may be disclosed to third parties to provide any of the activities mentioned above on behalf of Paayes.

To find out more about cookies, including browser-specific instructions on how to restrict or block cookies, go to http://www.allaboutcookies.org. Remember, though, without cookies, users may not be able to take full advantage of all of our website features.

We may also use locally stored objects (sometimes referred to as “Flash cookies”) for security and fraud detection purposes. Flash cookies are not managed through web browser settings. Please visit Adobe’s Flash Player Help website for help with managing Flash cookies.

Cross Border Transfers of Personal Information

Paayes is committed to adequately protecting your personal information regardless of where the data resides and to providing appropriate protection for your personal information where such data is transferred across borders, including outside of the EEA.

Accessing or editing Personal Information

Paayes may be contacted at the email address at the bottom of this policy to request access to or that we update, or correct the Personal Information collected by our Services. Please note, that consistent with local law, Paayes may retain Personal Information for auditing purposes, to troubleshoot problems, assist with investigations, enforce our policies or comply with legal requirements. Please note that we are not responsible for permitting the review, or the updating or deleting Personal Information provided to a third party, including any mobile application, social media platform, or wireless service provider.

How You Can Access or Change Your Personal Information

You can review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile. You can also close your account through the Paayes website. If you close your Paayes account, we will mark your account in our database as "Closed," but may retain personal information from your account for a certain period of time to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law.

If you would like to limit the processing of your personal data, please feel free to contact us at the contact details as provided below. Please note however, that all information requested from you is obligatory to be provided by you unless stated otherwise. Should you fail to provide us with your personal data, we may not be able to process your request for our product and / or services.

Security

We take every reasonable precaution to protect the confidentiality and security of your personal information by using industry recognized security safeguards such as site monitoring, secured networks and servers, firewalls, and encryption. When we ask for sensitive information, we protect it through the use of encryption during transmission, such as SSL (Secure Socket Layer). We regularly test and update our technology to enhance security. No method of transmission over the internet is 100% secure, however. Therefore, while we strive to protect your personal information within industry standards, we cannot guarantee its absolute security.

Our employees are trained and required to safeguard your information. Our strict internal controls limit access to information based on job functionality.

Payments Safety and Security

Paayes's goal is to provide you with a safe and convenient online checkout experience. We always protect the security of your information by using Secure Sockets Layer (SSL) technology for each transmission that encrypts the information you input. All purrs Paayes made via a credit card or alternative direct payment must use an SSL-enabled browser. Using SSL-enabled browsers better protect the confidentiality of your personal and credit card information while it is being transmitted over the Internet. When you enter sensitive information (such as e-wallet account details, mobile number, credit card number or your password) and place an order online, we encrypt that information using Secure Socket Layer (SSL) technology that is the approved industry standard.

Users can check the security of their internet connection by looking at address bar of your browser window as you place your order online. If you see an unbroken key or a closed lock, then the SSL is active and the server is secure. You can also double-check by looking at the URL line of your browser. When accessing a secure server, the first characters of the site address will change from "http" to "https". For credit card transactions, we will securely transmit the entire credit card number to be processed by the credit card company. We will only reveal the last 4 digits of your credit card number when printing an order confirmation. For security purposes we do not keep or store your credit card information as it is only used to complete the secure transaction. Your credit card number and other sensitive information will not be stored after the transaction is complete to help protect your credit card information. To further protect against unauthorized access to your account and to your computer, be sure to sign off when finished.

Unsolicited e-mails

Paayes Corporation. does not send unsolicited e-mails to private addresses or to anyone who has asked to remove from all Paayes Corporation. email lists. Any newsletters that we send are only sent to those who have subscribed to them. To stop receiving e-mails or newsletters from Paayes, click on the unsubscribe link in the e-mail or newsletter.

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 Paayes 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 Notifications section 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.

Choices

Users can choose not to provide us Personal Information when you use our website(s) or mobile application(s). However if the information request is not identified as optional and a user chooses to not provide required Personal information, then the user may not be able to use the features of the website or mobile application.

Users can opt out of receiving promotional email from Paayes by following the unsubscribe link in those email messages. Users can opt out of receiving SMS text messages from Paayes by replying STOP to any message.

Users can learn more about Paayes’s use of online behavioral advertising and how it can manage its choices for online behavioral advertising by clicking here.

Users can configure its browser to reject cookies, or to notify it when a cookie is set. However, if you reject cookies, the Services may not operate properly.

Third Parties and Linked services

Paayes is not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, including any Personal Information disclosed to other organizations through or in connection with the Services.

The inclusion of a link on the Paayes website does not imply endorsement of the linked site or service by Paayes.

Changes to this Privacy Policy

We may change this privacy policy at any time by posting an updated privacy policy.

Modifications to Privacy Statement

We continue to review our policies and procedures to assure that they are effective in meeting our commitments to our Merchants. Paayes reserves the right to change this Privacy Statement without notice at any time and from time to time, including as needed to comply with the rules and regulations of the various debit and credit card organizations, or to comply with applicable local, state and federal laws and regulations.

Retention period

We will retain Personal Information for the period necessary to fulfill the purposes outlined in this policy unless a longer retention period is required or permitted by applicable law or regulation.

Use of the Services by minors

The Services are not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Services.

How to contact Paayes regarding your privacy concerns and questions
If you have questions or comments about our privacy practices, or if you want Paayes to correct your Information that is stored on Paayes systems, please submit your request in writing to:

Paayes Corporation.
P.O. Box 2827
Brooklyn, New York, 11214
United States

You may reach us via e-mail at

Infringement Claims: infringement@paayes.com
Police Requests: compliance@paayes.com

Subject to our ability to verify your request, Paayes will correct the information within thirty (30) days of receipt of your request.