This Privacy Notice describes how PremiumPay, Inc. and our affiliates (collectively, “PremiumPay,” “we,” and “us”) collect, use, disclose, transfer, store, retain or otherwise process your information when you (whether you are a person acting as a sole proprietor or on behalf of another business entity) apply or sign up for a PremiumPay Seller account and other services through PremiumPay’s website or applications (collectively, “Services”).
This Privacy Notice applies to information collected in connection with your access to and use of our Services. Please read this Privacy Notice carefully. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.
Our Privacy Notice explains:
We collect information you provide when you:
Make a request to receive information about PremiumPay or our products;
Apply or sign up for a PremiumPay account or other Services;
Go through our identity or account verification process, authenticate into your account, communicate with us, answer our surveys, upload content, or otherwise interact with the Services.
We call this information Seller Account Data.
Specifically, we collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) the following categories of information:
Name, email address, postal address, signature, and phone number;
Passport number, driver’s license number, Social Security number, Taxpayer Identification number, or other government-issued identification number;
We also obtain information about your customers on your behalf when they transact with you. We call this information Your Customers’ Data. We collect Your Customers’ Data when they transact with you through your use of PremiumPay’s products, for instance when they make a payment at your establishment, or schedule an appointment, or receive an invoice from you. The particular Customer Data we collect will vary depending on how you use our products and services and which products and services you use. Your Customers’ Data may include:
Customer’s Internet service provider, other attributes about Your Customer’s browser, mobile device and operating system, features Your Customer uses, and the date and time of use of the Services.
Privacy laws that apply in certain places, like California, treat “businesses” and “service providers” differently. Under those laws, a business is the company that decides why and how to process personal information. A service provider processes personal information on behalf of a business in order to provide services. When PremiumPay processes Your Customers’ Data, we generally act as your service provider. In select cases, however, we may act as a business when we process Your Customers’ Data. For example, we act as a business when we use Your Customers’ Data to send Your Customers digital receipts directly from PremiumPay, or when we allow you to use Customer Directory or PremiumPay Marketing to contact your buyer using a masked email address (for example, j*****@gmail.com) that gets routed to them via PremiumPay.
We collect (and/or have collected during at least the 12-month period preceding the effective date of this Privacy Notice) information about you from the following categories of sources:
You directly, when you submit information to us or allow us to access information about you;
Your devices and applications when you interact with our website or use our Services;
Our group companies and affiliates;
Other sources, including:
Social media networks;
Online advertising companies;
Service providers who help us with third-party identity verification, credit confirmation and fraud detection;
Credit bureaus and financial institutions;
Mailing list providers; and
Publicly available sources (such as public records of criminal convictions and arrest records).
We may collect, use and share (or have collected, used or shared during at least the 12-month period preceding the effective date of this Privacy Notice), information about you for the following reasons:
Delivering the information and support you request, including technical notices, security alerts, and support and administrative messages such as to resolve disputes, collect fees, and provide assistance for problems with our Services or your PremiumPay account;
Determining whether the Services are available in your country;
Developing new products and services;
Displaying your historical transaction or appointment information;
Improving, personalizing, and facilitating your use of our Services;
Processing or recording payment transactions or money transfers;
Providing, maintaining and improving our Services, including our website;
Doing internal research, measuring, tracking, and analyzing trends and usage; and
Otherwise providing you with the PremiumPay products and features you choose to use.
Sending you surveys and getting your feedback about our Services;
Providing information about and promoting our Services to you; and
Sending you information we think you may find useful or which you have requested from us about our products and services.
Conducting investigations, complying with and enforcing applicable laws, regulations, legal requirements and industry standards, and responding to lawful requests for information from the government or to valid legal process;
Contacting you to resolve disputes, collect fees, and help you with our Services;
Debugging to identify and fix errors that impair how our Services function;
Making sure you follow our Terms of Service or other applicable agreements or policies;
Investigating, detecting, preventing, recovering from or reporting fraud, misrepresentations, security breaches or incidents, other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, including to dispute chargebacks on your behalf;
Protecting your, our, our customers’, or your customers’ rights or property, or the security or integrity of our Services;
Verifying or maintaining the quality and safety of our Services; and
Verifying your identity (e.g., through government-issued identification numbers).
Marketing our Services to you; and
Communicating with you about opportunities, products, services, contests, promotions, discounts, incentives, surveys, and rewards offered by us and select partners.
If we send you marketing emails, each email will have instructions on how you can “opt out” of getting future marketing from us.
To learn about what choices you have about interest-based advertising and cross-device tracking, please see below.
For any other reason we may tell you about from time to time.
We may share the personal information described in the “Information We Collect About You” section with the following categories of service providers and third parties:
With other users of our Services with whom you interact through your own use of our Services. For example, we may share information with your customers when you make or accept a payment, appointment, or money transfer using our Services.
With our group companies and corporate affiliates, for the reasons outlined above. For example, we may share your information internally to understand how you engage with PremiumPay company products to help make our Services better for you and for everyone, and to help us build Services tailored to your preferences.
With service providers who help us provide, maintain, and improve our Services (e.g., vendors who help us with fraud prevention, identity verification, and fee collection services), as well as financial institutions, payment networks, payment card associations, credit bureaus, partners and other entities that help us provide the Services;
With service providers that help us run our advertising campaigns, contests, special offers, or other events or activities.
To a subsequent owner, co-owner, or operator of one or more of the Services; or
If we do or try to do a corporate merger, consolidation, or restructuring (including during due diligence and negotiation of these); the sale of substantially all of our stock and/or assets; the financing, acquisition, divestiture, or dissolution of all or a portion of our business; or other corporate change.
If we believe that disclosure is reasonably necessary (i) to comply with any applicable law, regulation, legal process or governmental request (e.g., from creditors, tax authorities, law enforcement agencies, in response to a garnishment, levy, or lien notice, etc.); (ii) to establish, exercise or defend our legal rights; (iii) to enforce or comply with our General Terms or other applicable agreements or policies; (iv) to protect our or our customers’ rights or property, or the security or integrity of our Services; (v) for an investigation of suspected or actual illegal activity; or (vi) to protect us, users of our Services or the public from harm, fraud, or potentially prohibited or illegal activities.
With your consent. For example:
At your direction or as described at the time you agree to share; or
When you authorize a third party application or website to access your information.
With other companies who deliver services on our behalf, including via the use of cookies and similar automated technologies, third party analytics, and online tracking and interest-based advertising.
We also may share (within our group of companies or affiliates, or with service providers or other third parties) aggregated and anonymized information that does not specifically identify you or any individual user of our Services.
When you interact with our online services, or open emails we send you, we obtain certain information using automated technologies, such as cookies, web server logs, web beacons and other technologies. A “cookie” is a text file that websites send to a visitor’s computer or other internet- connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an internet tag, pixel tag, or clear GIF, is a tiny graphic image that may be used in our websites or emails.
We use these automated technologies to collect your device information, internet activity information, and inferences as described above. These technologies help us to:
Remember your information so you do not have to re-enter it;
Track and understand how you use and interact with our online services and emails;
Tailor our online services to your preferences;
Measure how useful and effective our services and communications are to you; and
Otherwise manage and enhance our products and services.
We set some of these automated technologies ourselves, but others are set by third parties who deliver services on our behalf. For example, we may use other companies’ web analytics services (described in the “Third-Party Analytics Services” section), which use automated technologies to help us evaluate how customers use our websites.
Your browser can alert you when cookies are placed on your device, and how you can stop or disable them via your browser settings. Please note, however, that without cookies all of the features of our online services may not work properly. If you use a mobile device, you can manage how your device and browser share certain device data by changing the privacy and security settings on your mobile device. You can learn more about cookies and how to manage your preferences by visiting http://www.allaboutcookies.org.
We may use third-party analytics service providers to help us with our online services, such as Google Analytics. The analytics providers that administer these services use technologies such as
cookies, web beacons, and web server logs to help us analyze how you use our online services. We may disclose your site-use information (including IP address) to these analytics providers, and other service providers who use the information to help us figure out how you and others use our online services.
To learn more about Google Analytics and how to opt out, please visit https://marketingplatform.google.com/about/ or https://support.google.com/analytics/answer/181881?hl=en.
We and the service providers we use to advertise to you may collect information about your activities on PremiumPay. We use this information to advertise to you and to tailor our products and services to your interests. You may see certain ads on other websites because we use third-party services to advertise our services to you. We use these services to target our ads to you and others based on your demographics, interests, and context. These third party ad services track your online activities over time and across multiple websites by collecting your information through automated technologies, including third-party cookies, web server logs, and web beacons. The ad services use this information to show you PremiumPay ads that may be tailored to your individual interests. The information our ad services may collect on our behalf includes data about your visits to websites that serve PremiumPay ads, such as the pages or ads you view and the actions you take on those websites. This data collection takes place both on our online services, and on third-party websites that serve our ads to you. This process also helps us figure out if our ads to you are effective.
To learn about how to opt out of interest-based advertising in the U.S., see ONLINE BEHAVIORAL OR INTEREST-BASED ADVERTISING.
Certain web browsers allow you to instruct your browser to respond to Do Not Track (“DNT”) signals to website you visit, informing those sites that you do not want your online activities to be tracked. At this time, our websites are not designed to respond to DNT signals or similar mechanisms from browsers.
We generally keep your information as long as reasonably necessary to provide you the Services or to comply with applicable law. However, even after you deactivate your account, we can retain copies of information about you and any transactions or Services in which you may have participated for a period of time that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our General Terms or other applicable agreements or policies, or to take any other actions consistent with applicable law.
You may access, change, or correct information that you have provided by logging into your PremiumPay account at any time or by making a request to us via the email support@premiumpay.site.We will need to verify your identity before granting access or otherwise changing or correcting your information.
If you wish to deactivate your account, you can do so by logging into your PremiumPay account or by emailing us using the contact details provided below.
In order to provide certain Services, we may request access to location information, including precise geolocation information collected from your device. If you do not consent to the collection of this information, certain Services will not function properly and you will not be able to use those Services. You can stop our collection of location information at any time by changing the preferences on your mobile device. If you do so, some of our mobile applications will no longer function. You also may stop our collection of location information via mobile application by following the standard uninstall process to remove all PremiumPay mobile applications from your device.
You can opt out of receiving promotional messages from PremiumPay by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, or by changing your notification settings by logging into your PremiumPay account. You may only opt out of text messages from PremiumPay by replying STOP. Opting out of receiving communications may impact your use of the Services. If you decide to opt out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.
Some of the advertising platforms that we use to collect information from or about you in order to provide more relevant advertising to you on websites participate in the DAA Self-Regulatory Program for Online Behavioral Advertising. This program offers a centralized location where users can make choices about the use of their information for online behavioral advertising. To make choices about the use of your information for online behavioral advertising on websites, please visit the Digital Advertising Alliance Webchoices tool. If you opt out of online behavioral advertising using this method, this opt-out will only apply to the specific browser or device from which you opt out.
Some of the advertisers, advertising technology companies, and service providers that perform advertising-related services for us may be members of the Network Advertising Initiative (NAI), a cooperative of online marketing companies that offers a centralized tool for opting out of interest- based advertising delivered to each of its member companies. If you would like to opt out of the
NAI’s members’ use of information from or about you on websites, please visit the NAI’s opt-out of interest-based advertising page. If you opt out of interest-based advertising using this method, this opt-out will only apply to the specific browser or device from which you opt out.
Some of the advertising platforms that we use to collect information from or about you in order to provide our advertising to you within mobile applications participate in the DAA Self-Regulatory Program for Online Behavioral Advertising. This program offers a mobile application called the “AppChoices,” which provides a centralized location where you can make choices about the use of your information for online behavioral advertising within the mobile environment. The AppChoices application can be downloaded from your mobile device at www.aboutads.info/appchoices or from your device’s app store. If you opt out of online behavioral advertising using this method, this opt- out will only apply to the specific browser or device from which you opt out.
On your mobile device, you may also go to your device settings and select “Limit Ad Tracking” (for iOS devices), or “Opt out of Interest-Based Ads” (for Android devices), which will allow you to limit our use of information collected from or about your mobile device (such as precise location data) for the purposes of serving online behavioral advertising to you.
Our Services are general audience services not directed at children under the age of 13. If we learn that any information we collect has been provided by a child under the age of 13, we will promptly delete that information.
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold
information about you both at our own premises and with the assistance of third-party service providers.
We may, and we may use third-party service providers to, process and store your information in the United States, Canada, Japan, the European Union, and other countries.
We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email if you have provided one. If you disagree with these changes, you may cancel your account at any time. If you keep using our Services, you consent to any amendment of this Privacy Notice.
You can contact our privacy team with any questions or concerns at the address below.
Please contact our privacy team via email with any questions or concerns regarding this Privacy Notice:
If you have any questions or concerns regarding our privacy notice, or if you believe our privacy notice or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our privacy team listed above. We will respond to let you know when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties in order to investigate and address your issue. We may keep records of your request and any resolution.