Effective date: 12/1/2018
1. Who We Are and This Policy
PayWithMyBank is committed to respecting and protecting your privacy. We value your trust and want you to understand how we protect, collect, use, maintain, and disclose the information you share with us.
2. Information We May Collect and How We May Use It
When you use the Service, we may require you to provide, and we may otherwise gather, information with your consent or as permitted or required by law or to provide the Service to you, that specifically identifies you or that we can use to verify your identity, generate and process transactions, or manage risk, such as: your computer and/or network connection identifiers, bank name, bank account login ID, password and other authentication information, bank account number and bank routing transit number, bank account type, bank account balance, name, physical address, email address, phone number, driver’s license number and state, purchase/order or bill amount and reference, and other personal information.
3. How We May Share Information
As permitted by applicable law, we may use and/or make certain aggregated, or otherwise non-personally-identifiable information available to third parties for various purposes, including, but not limited to: (i) compliance with various reporting obligations; (ii) for business or marketing purposes; (iii) to assist such parties in understanding our users’ interests, habits, and usage patterns; or (iv) to otherwise enhance our, or our Merchants’, services, security, and payment and/or information verification or retrieval service(s).
4. Your Choice and Accuracy of Information
PayWithMyBank will not use or share your personal information in ways or for purposes that are incompatible or inconsistent with those described above without first informing you and providing you a choice. You may opt-out of certain sharing of personal information, including information you may have previously authorized or consented to as described above by contacting us at firstname.lastname@example.org. However, to the extent that applicable law requires express consent or “opt-in” for the collection and use of personal information, PayWithMyBank will maintain processes and procedures to ensure such information is collected with express consent. Your phone number will not be used to market PayWithMyBank services unless that use has been disclosed and a choice provided. PayWithMyBank is committed to ensuring that the information we obtain and use is accurate and for its intended purpose.
You may, of course, decline to share certain personal information with us, in which case we may not be able to provide to you some of the features and functionality of the Service. If you wish to access or amend any personal information we hold about you, or to request that we delete any information about you that we hold, you may contact us at email@example.com. Please note that while any changes you make will be reflected in active user databases instantly or within a reasonable period of time, we may retain all information you submit for backups, archiving, prevention of fraud and abuse, analytics, satisfaction of legal obligations, compliance with applicable laws, regulations and regulatory requirements, or where we otherwise reasonably believe that we have a legitimate reason to do so.
5. Data Security
PayWithMyBank utilizes technical and organizational security measures, including physical, electronic, and procedural security measures, to protect against loss, destruction, unauthorized access or processing, misuse and alteration of information under our control. PayWithMyBank offers reasonable practices and security measures to safeguard and secure the personal information we collect and our datacenter is SSAE-16 and SAS – 70 compliant.
Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered, or destroyed by breach of our administrative, managerial, and/or technical safeguards. If PayWithMyBank learns of a security systems breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Service, you agree that PayWithMyBank may communicate with you electronically or via Merchant communication such as email notifications for this purpose. PayWithMyBank may post a notice on our website or service if a security breach may occur or has occurred. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us at firstname.lastname@example.org.
6. Preventing Identity Theft
PayWithMyBank is dedicated to protecting your personal information. We will never initiate a request for personal information from you by phone, email, or website, except (i) in response to communications initiated by you, or (ii) to attend to a quality of service issue, acting as an authorized agent of the Merchant with which you used the Service. Please do not send confidential, personal information such as Social Security number, government identification numbers, online banking access credentials, or bank account numbers to PayWithMyBank without first specifically confirming that you are sending such information to PayWithMyBank (and not to an unauthorized third party) and unless agreed between you and PayWithMyBank. The agreement should include method of transmission, such as registered mail, secure or encrypted email and similar. Do not be misled by emails or other communication that appear to be from us and request personal information. If you receive any suspicious email requesting your personal information, please immediately forward the email to: email@example.com.
7. Browsing and Cookies
When you browse our websites or request pages, we automatically collect certain technical information about your visit. Examples of this information include, which type of Internet browser you use, your IP address, browser headers, the web pages you browse and the domain name and country from which you request information. We use this type of technical information to improve the PayWithMyBank website and Service. As part of our efforts to protect end users from fraud, this information is also used to assist in authenticating who you are when you access our website or use our Service. Some of our web or mobile pages and applications may use “cookies,” or data that is sent to your web or mobile browser or application and stored on your device. The purpose of these “cookies” is to allow our, or a third party, server to recognize you as an end user returning to our website or Service using the same device and browser. In the event you do not wish to receive such cookies, you may configure your web browser to not accept cookies or to notify you if a cookie is sent to you. If you choose to decline cookies you may not be able to use all the features and functionalities of our website and Service.
8. Do Not Track
Do Not Track (“DNT”) is a privacy preference that you can set in your web browser. When you use the DNT signal, the browser sends a message to website operators requesting them not to track your website activities. PayWithMyBank does not track you over time or across third party websites to provide targeted advertising and does not respond to Do Not Track (DNT) signals. For more information about DNT, visit https://allaboutdnt.com.
9. Privacy Practices of Third Parties
10. Use by Children
Our Service is not directed to children under the age of 18, and we do not knowingly collect personal information from children under the age of 18 without obtaining parental consent. If you are under 18 years of age, then please do not access or use the Service at any time or in any manner. If we learn that personal information has been collected on the Service from persons under 18 years of age and without verifiable parental consent, then we will take the appropriate steps to delete this information. If you are a parent or guardian and discover that your child under 18 years of age has accessed or used the Service, then you may alert us at firstname.lastname@example.org and request that we delete that child’s personal information from our systems.
12. International Visitors
The PayWithMyBank website and Service are hosted in the United States and are intended for visitors located within the United States. If you choose to use the Service from the European Union or other regions of the world with laws governing data collection and use that may offer more protection than laws in the United States, then please note that you are transferring your personal information outside of those regions to the United States for storage and processing. Also, we may transfer your data from the United States to affiliates and other third parties in other countries or regions in connection with storage and processing of information, fulfilling your requests, and operating the Service. By providing any information, including personal information, on or to PayWithMyBank website or Service, you consent to such transfer, storage, and processing.
For More Information or If You Have Questions
2000 Broadway Street | Redwood City, California 94063.