This Privacy Policy describes the information collection, use and disclosure practices of Payfare Inc. and its affiliates (“Payfare”, “we”, “us”, or “our”). This Privacy Policy applies to current and former individuals and their relationships with us relating to the products and services that you may request or receive from us, including through our website or mobile apps (“Our Services”). For purposes of this Privacy Policy, an affiliate is a company that is related by common control or ownership (e.g. companies in the same corporate family), including non-financial companies, and information includes personal information obtained in connection with Our Services.
We may collect personal information about you. For our card and payment programs, this will be done with your express consent during the application process. Personal information is information about an identifiable individual and includes information such as your social security number, date of birth, residential address, phone number, government issued identification, transaction history, device type, internet protocol address or geo-location. We collect your personal information required to provide Our Services to you, which includes the following purposes: responding to your queries, identification, account creation and management, security measures, fraud prevention and investigation, account servicing and marketing purposes. We obtain information about you directly from you (e.g., if you submit information to us through our website, e-mail or mobile applications), through your use of Our Services, and from third parties (such as your payers, credit bureaus and demographic firms). Occasionally, we may also collect information about you online using “cookies” (small pieces of data stored by your Internet browser on your computer) or other tracking technology that may be used to remember passwords for you, to track your website or mobile application usage with us and to provide you with customized content among other things. You may choose to decline cookies if your browser permits but doing so may affect your use of the website and your ability to access certain features of the website or engage in transactions through the website.
Your information will be used and disclosed for the purposes of complying with the law and to provide you with Our Services or to enhance Our Services.
We may disclose your personal information:
- When we are required or authorized by law to do so (e.g. in response to a summon or a subpoena);
- To investigate or prevent potential fraud, loss or harm;
- When you have consented to the disclosure;
- To establish or collect amounts owed to us;
- To third-party service providers engaged to support Our Services.
Your personal information may be shared with service providers (e.g. payment processors, issuing banks, customer support providers, payers and identification verification providers) in order to provide Our Services to you. Our service providers are not aut