Last updated: December 4, 2019
1. Scope and Consent
2. Information We Collect or Access About You
We collect or access information from you and about you when you use the Site, including:
When you enroll as a User, we may collect personal information from the Payer, you or your issuing financial institution , such as your first name and last name, email address, U.S. mobile phone number, U.S. billing address and details (such as card number,expiry date , security code etc.) of your card (also referred to as “bank account” or “account”, issued by a financial institution that is a member of the Visa®or MasterCard®network).
In addition, we may collect personal information from third party services in order to process your registration, verify your identity, verify your financial account information, and protect against or prevent actual or potential fraud or unauthorized use.
Information About Your Transactions:
When you use the Service, we collect information such as when and where the transaction occurs, the names of the transacting parties, the mobile phone numbers and email addresses of the transacting parties, a description of the transactions (including text in the memo field), the transaction amount, and the devices used to complete the transactions.
Information to Respond to Your Requests:
You may give us your personal information when you contact us for assistance, sign up for our newsletters and, for other communications, or if you request access to materials on our Site. See the section titled "Your Choices" for information on how you can opt-out of receiving communications from us.
Information from Other Sources:
The information we collect may be combined with information from outside records (e.g., demographic information, additional contact information) that we have acquired in accordance with the law.
Technical Usage Information:
Our goal is to collect only that information that we believe is required for our legitimate business interests, to operate the Site, to authenticate and verify your identity, to prevent fraud, and to improve your experience of using the Site.
3. How We Use Your Information
To Operate Our Site:
We use the information we collect or access about you to:
respond to your requests and to comply with your stated communication preferences;
enable Financial Institutions to complete money transfers between their customers and you;
enable registered Users to send you money (see Section 4(a) for additional information);
notify you, by text or email, of a pending money transfer;
verify changes you have made to your personal information;
facilitate your enrollment as a User and to resolve issues relating to your enrollment;
research and resolve issues related to a transaction you received;
verify the existence of your financial account;
verify your identity;
provide customer service and obtain your feedback regarding the Site (e.g., to resolve disputes, problems with the Site);
to enforce our terms and conditions;
to provide other services you request;
guide decisions and improve the Site, including using Site analytics;
create and deliver targeted marketing and advertising tracked to what we believe may potentially interest you;
provide you with a safe, efficient, and customized experience;
contact you or perform other duties as authorized by law;
To Provide and Improve Our Services:
We use the information we collect or access about you to help us create, develop, operate, deliver, and improve our products and services.
To Prevent Fraud and Prohibited or Illegal Activities:
We use information we collect or access about you to prevent, detect, investigate, and report fraud, security breaches, potentially prohibited or illegal activities, or otherwise to protect our services or Users. Information may also be used to respond to subpoenas or other legal processes, as permitted by law.
5. Your Choices
You can control how and when you want to receive notifications from us by following instructions within the notices you receive from us.
To opt-out of marketing communications from us, use the options in the communications we send, send an email request to email@example.com.
You may not opt-out of administrative emails (for example, emails about your transactions or policy changes).
6. Updating Your Personal Information
You can update your personal information at any time by contacting your Payer. Keeping this information up-to-date is very important. If this information is incomplete, inaccurate or not current, please update your information by contacting your Payer.
7. Our Data Retention Practices
We generally retain information for as long as it is necessary and relevant for our operations and to comply with applicable law.
Information will only be retained as necessary to comply with law, prevent fraud, prevent re-registration, assist with investigations, resolve disputes, analyze or troubleshoot programs, enforce our terms and conditions, or take other actions permitted by law.
9. Notice to California Residents
How California Residents Can Request a List of Third Parties that Received Personal Information:
California residents may request a list of all third-parties to which our Site has disclosed certain personal information (as defined by California law) during the preceding year for those third parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at firstname.lastname@example.org. For all requests, you must put the statement "Your California Privacy Rights" in the body of your request, as well as your name, street address, city, state, and zip code. In the body of your request, please provide enough information for us to determine if this applies to you. You need to attest to the fact that you are a California resident and provide a current California address for our response. Please note that we will not accept requests via the telephone, mail, or by facsimile, and we are not responsible for notices that are not labeled or sent properly, or that do not have complete information.
How We Respond to Do Not Track Signals for California Residents:
California Business & Professions Code Section 22575(b) (as amended effective January 1, 2014) provides that California residents are entitled to know how we respond to "Do Not Track" browser settings. We do not currently take action to respond to Do Not Track signals because a uniform technological standard has not yet been developed. We continue to review new technologies and may adopt a standard once one is created.
To help us protect the privacy of your data, we maintain technical, physical, and administrative security measures to protect against loss, misuse, unauthorized access, disclosure, or alteration. Some of the safeguards we use are firewalls, data encryption, physical access controls to our data centers and information access authorization controls. It is your responsibility to make sure that your personal information is accurate and that your device(s) are secure and not shared with third-parties.
12. Children's Privacy
Payall User Service Agreement specific to the Service you have enrolled for defines eligibility requirements to use the Service. Our Site is not intended for children under the age of 13.For information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC website: www.ftc.gov.
13. Territorial Scope and Processing
15. Contact Us