This Policy explains what personal information we collect about you, with whom we share it, and how you can elect in certain situations to not share information with third parties. "Personal Information" refers to information such as name and email that can be used to identify you individually.
We may amend this Policy at any time, and whenever we do so we will notify you by posting a revised version on the Website. If, however, we plan to make a material change in the way we collect, use, or store your personal information, we will provide prior notice on our website, and by email.
You will then have the chance to decide whether or not we will use or disclose your information in that new manner, whether through an "opt-out" procedure or by ending your relationship with us. Such changes will become effective, at the earliest, 30 days after the date of the email notifications.
We ask that minors refrain from using our Service or submitting any personal information to us.
Minors (those under the age of 18 years) are not eligible to use our Service.
If you have questions or concerns regarding this Policy, you should contact us.
Information We Collect
We will collect the following information about you, which may include non-public personal information:
Technologies such as: cookies, beacons, tags and scripts are used by PAYzz, Inc. and our marketing, analytics and risk partners or affiliates. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
As is true of most web sites, we gather certain information automatically and store it in log files.
This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data.
We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you.
We use Local Storage Objects (LSOs) such as HTML5 to store content information and preferences.
Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 or Flash to collect and store information.
Various browsers may offer their own management tools for removing HTML5 LSOs. To manage Flash LSOs please click here.
We partner with a third party to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.
You can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign-up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.
Why We Collect Information
We collect Personal and Non-Personal information for the following purposes:
We will retain your information for as long as your account is active or as needed to provide you Service. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Conduct ongoing monitoring
At PAYzz we would automate ongoing monitoring of individuals and entities against up-to-date PEPs and sanctions lists to monitor your customers daily and alert you immediately of any changes to a customer’s circumstance or status, helping to ensure ongoing compliance with AML regulations.
How We Share Information with Others
Nevertheless, we may share information about you (including nonpublic, personal information) with:
Access To Your Information
You can access, modify, delete or update your personal information submitted on our website by logging into your account and changing your preferences, by emailing our Customer Support at firstname.lastname@example.org, or by contacting us by telephone at the contact information listed below. We will respond to your request to access within a reasonable timeframe.
Personal information we collect: If you participate in any research projects for us (by phone, in-person, electronic survey or otherwise), we will hold your name, contact details and any other personal information you choose to give us when taking part in our research projects.
Using your personal information: We will use this information for our legitimate interests namely to conduct our research projects which may also help us to improve and/or develop our products and services.
Sharing your personal information: We will share this information with:
Retaining your personal information: We will only retain your personal information for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting or reporting requirements. To determine the appropriate retention period for personal information, we consider (amongst other things):
Notice to Customers who reside in California
The California Consumer Privacy Act (CCPA) exempts certain nonpublic personal information which is covered by the Gramm-Leach Bliley Act (GLBA), a federal privacy law that applies to financial institutions, like PAYzz. What this means is that your nonpublic personal information that you provide to us to obtain our Service, that results from any transaction you make using our Service, or that we otherwise obtain about you in connection with us providing our Service to you (GLBA Personal Information), is not subject to the various requirements set out in the CCPA. We do not collect nonpublic personal information about you that is outside a Transaction or the provision of our Services.
Please be assured that we take the privacy of your GLBA Personal Information very seriously. Your GLBA Personal Information is protected under the GLBA which places certain obligations on us, and affords you certain rights, all of which are set out in this Policy.
The rights you have in the event that your non-encrypted or non-redacted GLBA Personal Information is subject to unauthorized access and exfiltration, theft, or disclosure as a result of our failure to implement and maintain reasonable and appropriate security procedures and practices remain.
We employ industry accepted standards in protecting the information you submit to us on our website.
We have put in place SSL (Secure Socket Layer) encryption technology to protect your sensitive information such as bank account number, credit card number, date of birth and Social Security Number, transmitted through our website. We also require a username and password from each user who wants to access their information on our website. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, we cannot guarantee its absolute security.
If you have any questions about security on our Web site, you can contact us at email@example.com.
Choices You Can Make About Our Use of Your Information
Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict all types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:
Links to 3rd Party Sites
We use a chat feature to answer questions about our service and assist you with our website's functionality. If our chat feature is offline we will collect your name and email address so that we may reply to your request.
Social Media Widgets
You can import contacts from your Gmail and Yahoo Mail to invite them to become members of our site. We do not collect the username and password for the email account you wish to import your contacts from as you provide it directly to Gmail and Yahoo and after your approval, they send us your email contacts. At your instruction we will send an email invite and at most one reminder email in addition to the original invite.
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend an email and at most one reminder email inviting him or her to visit the site. PAYzz, Inc. stores this information for the sole purpose of sending this email and tracking the success of your referral.
Transaction and Account Security
Account security is important to us and we've taken several steps to protect your PAYzz account-related information. You too can-do certain things that will help protect your account and personal information.
Account Verification Processes
Your PAYzz account is subject to verification procedures to maintain high levels of security, trust, and protection.
If you are a new PAYzz customer and you create a new PAYzz account using the PAYzz website, you must provide certain personal information and complete the e-mail verification process.
Once your account is up and running, we deploy a variety of manual and automated risk management procedures that allow us to highlight suspicious account activity. The goal is to identify any characteristics that seem unusual or inconsistent with your past usage. As part of this process, we contract with industry leading service providers to verify personal and financial information. These services will never contact you directly or use your information for anything but the successful completion of your intended transaction.
When you log in to your account, we do certain things to protect your account. First, whenever you log in to your PAYzz account, you log in using a secure server connection (https://). We use Secure Socket Layer (SSL) with 256-bit encryption, the industry standard in secure server protection.
Your account is also protected by a unique password that you create. You should not use common words or phrases as your password. Instead, your password should be at least eight characters including both numbers and letters using upper and lower cases. You should keep this password confidential. Sharing your password will lessen the security of your PAYzz account.
Be Wary of Internet Scams
DO NOT make a payment to claim lottery or prize winnings, or on a promise of receiving a large amount of money.
DO NOT make a payment because you are "guaranteed" a credit card or loan.
DO NOT respond to an Internet or phone offer that you aren't sure is honest.
DO NOT make a payment to someone you don't know or whose identity you can't verify.
When in doubt, ask the intended recipient for more information about the purpose and safety of the requested payment. Do not send the payment until you are comfortable with the transaction.
Identifying Phishing or Spoofed E-mails
You may at some time receive an e-mail that looks like it came from PAYzz, but is in fact not genuine. Such an e-mail may direct you to a website that looks similar to the PAYzz website. You might even be asked to provide account information such as your e-mail address and password.
These false websites can steal your sensitive account and payment information in order to commit fraud. These false e-mails may contain potential viruses or malware that can detect passwords or sensitive data. We therefore recommend that you install an anti-virus program and keep it updated at all times.
Here are some key points to keep in mind as part of a defense against fraudulent e-mails:
Look for grammatical or typographical errors
Look for poor grammar or typographical errors. Some phishing e-mails are translated from other languages or are sent without being proofread, and as a result, contain bad grammar or typographical errors.
Check the return address
Is the e-mail from PAYzz? While phishers can send a forged e-mail to make it look like it came from PAYzz, you can sometimes determine whether it's authentic by checking the return address. If the "from" line of the e-mail looks like "firstname.lastname@example.org" or contains the name of another Internet service provider, you can be sure it’s not genuine.
Check the website address
Genuine PAYzz websites are always hosted on the following domain: https://www.PAYzz.com/
Sometimes the link included in spoofed e-mails looks like a genuine PAYzz address. You can check where it actually points to by hovering your mouse over the link--the actual website where it points to will be shown in the status bar at the bottom of your browser window or as a pop-up.
Also, sometimes the spoofed e-mail is set up such that if you click anywhere on the text you are taken to the fraudulent website. PAYzz will never send an e-mail that does this. If you accidentally click on such an e-mail and go to a spoofed website, do not enter any information; instead, just close that browser window.
If an e-mail looks suspicious, go directly to the PAYzz website
When in doubt, do not click the link included in an e-mail. Go directly to https://www.PAYzz.com/ and click Your Account in the top right menu to view recent purchases, or review your account information. If you cannot access your account, or if you see anything suspicious, let us know right away.
Protect your account information
If you did click through from a spoofed or suspicious e-mail and you entered your PAYzz account information, you should immediately update your password. You can do this by going directly to https://www.PAYzz.com/ and clicking Account Settings. On the next page, click the Change your personal information, e-mail address, or password.
If you submitted your credit card number to the site linked to from the forged e-mail message, we advise that you take steps to protect your information. You might want to contact your credit card company, for example, to notify them of this matter. Finally, you should delete that credit card from your PAYzz account to prevent anyone from improperly regaining access to your account.
Reporting Phishing E-mail
If you have received an e-mail, you know is a forgery, or if you think you have been a victim of a phishing attack and you are concerned about your PAYzz account, please let us know right away by reporting a phishing or spoofed e-mail. (support@PAYzz.com)
You can contact us with any questions or concerns at: PAYzz, Inc., 1111 3rd Ave, Suite 2100, Seattle, WA 98101
Email: Customer Service
Toll-Free Phone: (617) 877-4464