1. Collection of Information
We may collect and use your information in the following cases:
Your personal information may include:
Further, we and our service providers automatically collect certain information about you through:
The types of information you provide may include personal information. “Personal information” means information that can be used to identify you (whether alone or in combination).
The personal information you may provide to us includes:
2. Use of Information We Collect
We may use information about you in the following ways.
Manage Your Account
If you provide us personal information, we may use it to: (i) process your registration with our Services, including verifying whether your email address is active and valid and enrolling you into our programs; (ii) facilitate and manage your transactions; (iii) track your shopping, deliver your payments and identify opportunities for rewards and/or offers; (iv) send you technical notices, updates, security alerts and administrative messages; (v) provide you member services regarding your account and reply to your questions, comments and requests; and (vi) comply with legal and regulatory provisions in force and with the competent judicial authorities in each geographical jurisdiction that the Company operates in. We may also use your information to assess risk and prevent fraud.
Improve Our Services
We may process information through analyzing and monitoring usages and trends and performing statistical analyses to improve our Services and the websites, applications, marketing efforts and the products and services of our affiliates we recommend or offer to provide a better service to you in the future. We may also use this information to adapt Service content to be more likely to be of interest to you. With the exception of Email Data (defined as the email content from your linked email accounts), we may also share information, including email address, with our affiliates within Payebiz Group for those affiliates to analyze and monitor usage and trends to improve their services and websites.
Provide You Marketing Information
With the exception of Email Data, Payebiz may use the information to provide you more personalized offers and/or special offers, discounts, and similar information. Payebiz may send you newsletters, rewards, discounts, promotion codes, events, and general information about Payebiz services if you consent.
3. Sharing of Information
We may share the information we collect, including your personal information, under the following circumstances:
Third-part payment transaction partners
We may share the information we collect with third-party payment partners to process transactions, including banks, mobile money payment networks and Payebiz's local Checkpoint partners.
Protection of Rights and Other Legal Purposes
We may share the information we collect, including personal information, to the extent permitted by applicable law, (i) in response to subpoenas or other legal processes or if in our good faith opinion such disclosure is required or permitted by law; (ii) at the request of governmental authorities conducting an investigation; (iii) to defend our terms and conditions or other policies applicable to our Services; and (iv) to protect the rights, property, life, health, security, and safety of Payebiz or any third party.
We may share the information we collect, including personal information, with any third party in connection with, or during negotiations of, any proposed or actual merger, purchase, sale (including a liquidation, realization, foreclosure or repossession) or any other type of acquisition of all or any portion of Payebiz assets, conveyance or transfer of all or a a portion of our business to another company.
4. Your Choices
You may in some cases have the option to decline providing us information. However, your choice not to provide information may impact your use of certain features or services. You may unsubscribe or opt-out of receiving marketing communications from us by using the unsubscribe link on the footer of our marketing emails, by logging in to your account and updating your settings or by using the Contact Us option through Payebiz services. Upon request, we will provide you with information about whether we hold any of your personal information. We encourage you to maintain the accuracy of the information you submit to us, such as the information you provide to register for your account. Payebiz services may allow you to access, review, correct, update, and remove or make inaccessible personal information you have provided through your account settings. With respect to linked email accounts, you may unlink your email account from your Service account by updating or switching off the connection in your account settings within Payebiz services. You may provide account updates and changes by logging into your account and changing settings or by using the Contact Us option through Payebiz services. With respect to our mobile and other applications, you can prospectively stop all collection of information by the application by uninstalling the application. You may at any time opt-out from further allowing us to have access to your location data by adjusting the permissions in your mobile device. We will make a good-faith efforts to make requested changes in our then-active databases as soon as reasonably practicable.
5. Data Security and Retention
We take reasonable measures to protect information about you from loss, theft, misuse and unauthorized access, disclosure, alteration and destruction. We use a secure, encrypted connection (using a TLS protocol) on all pages where you access or transmit personal information. Although Payebiz uses reasonable efforts to help protect your information, transmission via the Internet is not completely secure and Payebiz cannot guarantee the security of your information collected through our Services. Except as otherwise set forth under applicable law, we assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access or other causes beyond our control. We retain the information collected via our Services until you choose to close your account. After that time, we may aggregate the data and retain it for analytical purposes. We may also retain your information on backup media to comply with applicable law, to support financial audits, to resolve disputes, to maintain compliance efforts and for other legitimate business reasons.
6. Electronic Communications
By signing up for an account, you may receive periodic emails from Payebiz. If you consented to receiving promotional email communications, you can opt out of receiving such communications from us at any time by (i) following the instructions provided in those communications; (ii) modifying your Email Preferences in the Account Settings of your account; or (iii) contacting us through Payebiz services. Please note that even if you opt out of receiving promotional communications, we may continue to send you non-promotional emails and other types of communications, as permitted by law, such as service emails relating to our ongoing business relationship. Service emails contain service-related announcements that affect your account, such as product order confirmations, reward or payment updates, and responses to your comments and feedback submitted to us. Payebiz mobile applications, browser extensions and websites may send you notifications, such as alerts, sounds and icon badges. Push notifications or in-app messages may include both operational messages and promotional messages regarding products, services and offers that may be of interest to you. When using mobile applications, push notifications and other mobile alerts can be configured in the settings of your mobile device. As with emails, even if you opt out of receiving promotional communications, we may continue to send you non-promotional push notifications, such as those about your use of the applications or our ongoing business relations. If you elect to provide us a mobile number, we may use it to contact you when you make account updates or for account recovery purposes. You may opt out of such messages by removing your mobile number in your account preferences or replying STOP to any incoming messages.
8. Analytics, Targeting, Tracking
9. Third-Party Websites
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