This policy describes the ways we collect, store, use, and protect your personal information. You accept this policy and consent to such collection, storage and use when you use our products, services or any other features, technologies or functionalities offered by us on our website or through any other means (collectively 'the CardPay Inc. Services'). We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30 days' prior notice by posting notice of the change on the 'Policy Updates' page of our website. After this 30 days notice, you will be considered as having expressly consented to all amendments to this policy.
When you visit the CardPay Inc. website or use the CardPay Inc. Services, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.
When you are using the CardPay Inc. Services, we collect information about your transactions and your other activities on our website or using the CardPay Inc. Services and we may collect information about your computer or other access device for fraud prevention purposes.
When you access our website, we, or companies we hire to track how our website is used, may place small data files called 'cookies' on your computer.
We may send longer-lasting cookies to display your billing address details on our payment form, so that you don't need to retype the billing address each time you make payment by CardPay Inc..
We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.
We and our service-providers also use cookies to customize our services, content and advertising; measure promotional effectiveness, and promote trust and safety. You may encounter cookies from third parties when using the CardPay Inc. Services on certain websites that we do not control (for example, if you view a webpage created by a third party or use an application developed by a third party, there may be a cookie placed by that web page or application).
Throughout this policy, we use the term 'personal information' to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.
We store and process your personal information on our computers in the UK and we protect it by maintaining physical, electronic and procedural safeguards. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, and customized experience. To that end, we use your personal information to:
We do not sell or rent your personal information to third-parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize our services, content and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account going to the Profile subtab under the My Account tab and adjusting your preferences or by following the directions provided with the communication or advertisement.
To process your payments, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received from verified CardPay Inc. users, and whether you have verified control of a bank account are provided to other CardPay Inc. users who you transact with through CardPay Inc.. In addition, this and other information may also be shared with third parties when you use these third parties to access CardPay Inc. services. Unless you agreed to it, these third parties are not allowed to use this information for any other purpose other than to enable the CardPay Inc. Services.
If you are buying goods or services and pay through CardPay Inc., we may also provide the seller with your confirmed credit card billing address to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it.
We work with third parties, including merchants to enable them to accept or facilitate payments from or to you using CardPay Inc. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, when a payment is sent to you or, when you attempt to pay that merchant or through that third party. We use this information to confirm to that you are a CardPay Inc. customer and that CardPay Inc. as a form of payment can be enabled, or where a payment is sent to you to send you notification that you have received a payment.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through CardPay Inc. or with the third parties that offer or use the CardPay Inc. Services, except with your express permission or if we are required to do so to comply with credit card association rules, a valid regulatory or law enforcement request, or, to cooperate in an ongoing law enforcement investigation, as otherwise required by law.
Please note that these third parties may be in other countries where the laws on processing personal information may be less stringent than in your country.
CardPay Inc. will not sell or rent any of your personal information to third parties in the normal course of doing business and only shares your personal information with third parties as described in this policy.