Effective Date March 31, 2014, updated October 31, 2022
When you create an Account, you will provide information that could be Personal Information, such as your contact information, username, password and email address. Additionally, we may request Financial Information from you while setting up your Account and/or throughout the course of providing you with the Services. You acknowledge that this information may be personal to you, and by creating an account on the Services and providing Personal Information to us, you allow others, including us, to identify you and therefore may not be anonymous. We may use your contact information to send you information about our Services. You may unsubscribe from some types of messages through your Account settings, although we, regardless, reserve the right to contact you when we believe it is necessary, such as for account recovery purposes.
If you use our Services to make or receive payments, we collect information about the transaction, such as the time and location of the transactions, the payment amounts, and additional details about the transaction. We also may collect information about the devices and payment methods used to complete the transactions.
In order to provide the Services, we may collect financial information, such as bank account information, payment card number, and transaction information (“Financial Information”), from you and/or your customers (if applicable). We may also ask you to provide some of your Financial Information during the Account registration process. We also may receive Financial Information from Third Party Services that help us to provide the Services to you.
We collect, store, and process this information using industry-standard security measures. We will only use and disclose Financial Information as needed to provide you, and if applicable your customers, with the Services.
If you access the Services on a mobile device, we may receive information about the location of the device through which you access the Services. Your mobile device operating system will prompt you before allowing us to collect your location information to ask for your consent. If you do not see the prompt, or if you subsequently decide you would like to opt out of such collection, you may do so by changing the appropriating settings in your mobile device. However, please note that opting out may affect your ability to use some or all of the Services.
IP Address Information, Device Information, and Other Information Collected Automatically:
We automatically receive and record information from your web browser when you interact with the Services, including your IP address and cookie information. This information is used for fighting spam/malware and also to facilitate collection of data concerning your interaction with the Services (e.g., what links you have clicked on).
Generally, the Services automatically collect usage information, such as the number and frequency of visitors. We may use this data in aggregate form, that is, as a statistical measure, but not in a manner that would identify you personally. This type of aggregate data enables us and third parties authorized by us to figure out how often individuals use parts of the Services so that we can analyze and improve them.
We may collect device-specific information from users who access our Services, such as the Application, from their mobile devices. Device information may include but is not limited to unique device identifiers, network information, and hardware model, as well as information about how the device interacts with our Services.
We may receive a confirmation when you open an email from us or click on a link in an email we send. We use this confirmation to improve our customer service.
Information containing cookies:
Most browsers have an option for turning off the cookie feature, which will prevent your browser from accepting new cookies, as well as (depending on the sophistication of your browser software) allowing you to decide on acceptance of each new cookie in a variety of ways. We strongly recommend that you leave cookies active, because they enable you to take advantage of the most attractive features of the Services.
Information Related to Advertising and the Use of Web Beacons:
To support and enhance the Services, we may serve advertisements, and also allow third party advertisements, through the Services. These advertisements are sometimes targeted and served to particular users and may come from third party companies called “ad networks.” Ad networks include third party ad servers, ad agencies, ad technology vendors and research firms.
Advertisements served through the Services may be targeted to users who fit a certain general profile category and may be based on anonymized information inferred from information provided to us by a user, including Personal Information (e.g., gender or age), may be based on the Services usage patterns of particular users, or may be based on your activity on Third Party Services. We do not provide Personal Information to any ad networks for use outside of the Services.
To increase the effectiveness of ad delivery, we may deliver a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Because your web browser must request these advertisements and web beacons from the ad network’s servers, these companies can view, edit or set their own cookies, just as if you had requested a web page from their site.
Information Collected From Third Parties:
We may collect information from third parties in connection with the verification of Financial Information or the facilitation of transactions made through the Services.
We collect statistical information about how both unregistered and registered users, collectively, use the Services (“Aggregate Information”). Some of this information is derived from Personal Information. This statistical information is not Personal Information and cannot be tied back to you, your Account or your web browser.
IP Address Information:
Information You Elect to Share:
We share Aggregate Information with our partners, service providers and other persons with whom we conduct business. We share this type of statistical data so that our partners can understand how and how often people use our Services and their services or websites, which facilitates improving both their services and how our Services interface with them. In addition, these third parties may share with us non-private, aggregated or otherwise non Personal Information about you that they have independently developed or acquired.
Email Communications with Us:
As part of the Services, you may occasionally receive email and other communications from us, such as communications relating to your Account.
Information Shared with a Mutual Business Partner:
Information Shared with Our Third Party Service Providers:
We employ and contract with third parties that perform certain tasks on our behalf in furtherance of the Services, including financial institutions, processors, payment card associations, and other entities that are part of the payment process. We may need to share User Information with such third parties in order to provide products or services to you. Unless we tell you differently, such third parties do not have any right to use User Information or other information we share with them beyond what is necessary to assist us. You hereby consent to our sharing of User Information with such third parties.
We may share information you provide to us with our processors, banks, or other financial institutions, including without limitation when you perform a transaction through the Services, for (a) regulatory or compliance purposes, (b) management and maintenance of the Service, (c) creating and updating customer records about you, (d) assisting us and financial institutions in better serving you, and (e) our risk management process. By using the Services and/or signing up for an Account, you authorize us to review and share your information with such third parties.
Information Disclosed Pursuant to Business Transfers:
In some cases, we may choose to buy or sell assets. In these types of transactions, user information is typically one of the transferred business assets. Moreover, if we, or substantially all of our assets, were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of us or our assets may continue to use your User Information as set forth in this policy.
Information Disclosed for Our Protection and the Protection of Others:
We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to:
i. satisfy any applicable law, regulation, legal process or governmental request;
iii. detect, prevent, or otherwise address fraud, security or technical issues;
iv. respond to user support requests; or
v. protect our rights, property or safety, our users and the public. This includes exchanging information with other companies and organizations for fraud protection and spam/malware prevention.
Information We Share With Your Consent:
Except as set forth above, you will be notified when your User Information may be shared with third parties, and will be able to prevent the sharing of this information.
Information We Use to Provide the Services
We use your User Information to further our legitimate interests to:
i. understand who our customers and potential customers are and their interests in our products and services;
ii. manage our relationship with you and other customers;
iii. perform the Services and/or to fulfill regulatory obligations;
iv. help detect, prevent, or investigate security incidents, fraud and other abuse and/or misuse of our products and services;
v. verify or maintain quality or improve or upgrade a Service;
vi. provide, support, personalize, and develop our Site, products, and services such as to perform warranty related services or other post-sale activities such as product monitoring or repairs;
vii. create, maintain, customize, and secure your Account with us;
viii. process your requests, transactions, and payments and prevent transactional fraud;
ix. provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses;
x. help maintain the safety, security, and integrity of our Site, products and services, databases and other technology assets and business;
xi. develop and improve our Site, products, and services and for testing, research, analysis, and product development;
xii. inform you about any of our other products and services in order to induce you to purchase these products and services, subject to compliance with applicable laws regarding direct marketing;
xiii. respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
We will store your User Information as long as needed to provide you with the Services and to operate our business. If you ask us to delete specific Personal Information from your Account (see “How can I delete my account?” below), we will honor this request unless deleting that information prevents us from carrying out the Services or other necessary business functions, like billing for the Services.
Your Account information will be protected by a password for your privacy and security. You need to prevent unauthorized access to your Account and User Information by selecting and protecting your password appropriately and limiting access to your computer and browser by signing off after you have finished accessing your Account. We use industry standard methods and techniques to protect Account information and other information collected through the Services and to store all of our information, including your IP address information and Financial Information. However, we cannot guarantee the security of any information. Unauthorized entry or use, hardware or software failure, and other factors, may compromise the security of user information at any time. We do not guarantee or warrant that such techniques will prevent unauthorized access to information about you that we store, User Information or otherwise.
What Information of Mine Can I Access?
If you are a registered user, you can access information associated with your Account by logging into the Services. Registered and unregistered users can access and delete cookies through their web browser settings.
California Consumer Access and Deletion Rights.
If you are a California resident and would like more information about our use of User Information, you are entitled to ask us that we provide details about the categories of personal information that we collect about you, including how we collect and share it; that we provide you access to the personal information we collect about you; and that we delete the personal information we have about you. You may ask us for these things by submitting a written request to the following address:
228 Park Ave S
New York, NY 10003
Please be aware that when you ask us for these things, we will take steps to verify that you are authorized to make the request.
Should you ever decide to delete your Account or specific personal information from your Account, you may do so by emailing firstname.lastname@example.org. Please note, however, that if you terminate your Account, any association between your Account and information we store will no longer be accessible through your Account.
You can always opt not to disclose certain information to us, even though it may be needed to take advantage of some of our features.
You can delete your Account. Please note that we will need to verify that you have the authority to delete the Account, and activity generated prior to deletion will remain stored by us.
You may choose to not consent to our collection of location information when you receive the initial prompt from your mobile device, or you may stop our collection of location information by changing your mobile device settings.
If you have any questions or concerns regarding privacy using the Services or you would like to know more about how to exercise your rights, please send us a detailed message to email@example.com. We will provide reasonable and timely assistance to you to resolve your concerns.