My Market Partners - Payyus Privacy Policy

Payyus User Privacy Notice

Rev. Aug 24 , 2016

 

FACTS

WHAT DOES My Market Partners, LLC DO

WITH YOUR PERSONAL INFORMATION?

 

Why?

Companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

§  credit card info, payment history

§  email address, phone number, personal address

§  bank account information

§  web log data, location, web content, cookies & other technologies

§  transaction history and purchase history

When you are no longer our customer, we continue to share your information as described in this notice.

 

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons My Market Partners chooses to share; and whether you can limit this sharing.


 

Reasons we can share your personal information

Does My Market Partners, LLC share?

Can you limit this sharing?

For our everyday business purposes –

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

 

Yes

 

No

For our marketing purposes –

to offer our products and services to you

 

Yes

 

No

For joint marketing with other financial institutions

No

No

For our affiliates’ everyday business purposes –

information about your transactions and experiences

 

Yes

 

No

For our affiliates’ everyday business purposes –

information about your creditworthiness

 

No

 

We don’t share

For our affiliates to market to you

Yes, we may share your email address and billing address

No, if you don’t want a merchant to market to you, then uninstall Payyus from your mobile device

For nonaffiliates to market to you

No

We don’t share

 

Questions?

Email legal@mymarketpartners.com



 

Page 2


 

Who we are

 

Who is providing this notice?

My Market Partners, makers of Payyus

 

What we do

 

How does Payyus protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law and many enhanced cryptographic techniques. These measures include computer/mobile safeguards and secured files and buildings.

How does Payyus collect my personal information?

We collect your personal information, for example, when you:

§  provide account information

§  give us your contact information or show us your government issued ID

§  enter your credit, debit card or bank information

§  visit our website or download our software

Why can’t I limit all sharing?

Federal law gives you the right to limit only:

§  sharing for affiliates’ everyday business purposes – information about your creditworthiness

§  affiliates from using your information to market to you

§  sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

 

Definitions

 

Affiliates

Companies related by common ownership or control or affiliate Merchants who have joined Payyus as an affiliate or payment processing companies. They can be financial and nonfinancial companies.

Nonaffiliates

Companies not related by common ownership or control or affiliate Merchants. They can be financial and nonfinancial companies.

§   My Market Partners, does not share with non-affiliates

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

§   My Market Partners does not share with nonaffiliated companies to jointly market financial products or services to you.

Other Important Information we collect

See further details below

 
 

 

1. Information we collect when you use our web or app services.

When you use our services including the Payyus software, Payyus website, or any apps developed or distributed by Payyus we may collect the following:

Log Data. Our servers automatically record information that your browser or mobile device sends whenever you use our services (“Log Data”). The Log Data may include information such as your IP Address, mobile device ID, browser type, operating system, the referring URL of the webpage you were visiting before you came to our website, the URL of pages of our website that you visit, the time spent on those pages, information you searched for, access times and dates, application marketplace downloads and usage data, and other statistics.

Location Information. Payyus may receive location information from your device when you use Payyus services. This information may include GPS signals or information about WiFi access locations. Payyus may also receive IP Addresses, which we may use to derive geographic location.

Content and Communications. If you submit a rating or review in any Payyus affiliate location, that information will be associated with your Account Profile. If you submit a request for assistance or contact Payyus, we may record and store that interaction.

Cookies & Similar Technologies. Payyus and affiliates may use cookies, which are small text files that are automatically generated during your interaction with our websites and store on your computer information such as identifiers and user preferences for the purpose of identifying your browser to our websites. You may set your browser not to accept cookies, but if you do so you may not be able to use all areas of our websites or all of their features and functionality. We may also use “pixel tags,” “web beacons,” “clear GIFs,” or similar means in combination with cookies in connection with our service to collect usage data.

Information you may give us when you use our services. You may provide us with the Personal Information of your customers or employees.

2. Information Use

Except as otherwise stated in this Privacy Policy, Payyus, its parent or affiliated companies (collectively, “Payyus Companies”) use information that we collect or that is provided to us for the following purposes:

Payyus Companies will only use the Personal Information of a merchant’s employees or customers that is provided by a merchant to Payyus to provide Payyus services to such merchant unless a merchant’s employees or customers have consented to other uses of their Personal Information.

From time to time Payyus Companies may combine information about you and your use of Payyus services with information that we obtain or receive from Payyus Companies, our business partners or other third parties. Payyus Companies’ use of such combined information will be in accordance with this Privacy Policy.

3. Information Sharing and Disclosure

Except as stated in this Privacy Policy, Payyus Companies will not share your Personal Information with third parties without your express prior consent.

Payyus is a 3rd Party App for Clover. If you choose to use Payyus in connection with your use of the Clover services, Clover will share your Personal Information with any 3rd Party App developers in accordance with the selections you make via the Clover services to facilitate your use of the applicable 3rd Party App. A 3rd party app is an application which is owned or licensed by a third party, and made available by Clover via the Clover application marketplace (individually, a“3rd Party App” and collectively, “3rd Party Apps”).

Information Shared with Agents and Service Providers. We may share information we collect or you provide to us with the agents or third party service providers of Payyus Companies who need the information to fulfill their business responsibilities to Payyus Companies, but such agents or third party service providers are not allowed to use the information for any other purpose.

Analytics Services. We use analytics service providers to better understand usage patternson the Payyus.com website. These providers collect information on our behalf using cookies and similar technologies. We use these service providers to better understand how people use our services and so that we can improve the design and usability of our products. We do not engage in “tracking” users outside of our service and website. Consistent with this, we do not take any action when a browser sends us a DNT (do-not-track) signal.

Aggregate Information and De-identified Information. We may share aggregated information and de-identified information to third parties for industry analysis, demographic profiling, or other purposes. Any aggregated information or de-identified information shared in these contexts will not contain your Personal Information.

Compliance with Laws and Law Enforcement. Payyus cooperates with government and law enforcement officials and private parties to enforce and comply with the law. We will disclose any information about you to government or law enforcement officials or private parties as we, in our sole discretion, believe necessary or appropriate to respond to claims and legal process (including, but not limited to, subpoenas), to protect the property and rights of Payyus or a third party, to protect the safety of the public or any person, or to prevent or stop activity we may consider to be, or to pose a risk of being, illegal, unethical or legally actionable activity.

Business Transfers. Payyus may sell, transfer or otherwise share some or all of its assets, including your Personal Information, in connection with a merger, acquisition, reorganization, or sale of assets or in the event of bankruptcy.

Changing or Deleting Your Information. You may review, update, or correct the Personal Information and Business Information in your Account Profile by logging into your Account. After deleting your Account, you may email us at legal@Payyus.com with a request that we delete your Account Profile from our database. We will use commercially reasonable efforts to honor your request. We may retain an archived copy of your Account Profile for a variety of reasons, such as to comply with our legal requirements, resolve disputes, enforce our agreements, or any other lawful business purpose.

4. Security

Security is important to Payyus. But remember that no method of transmission over the Internet or method of electronic storage is 100% secure. We take steps to limit access to Personal Information only to those employees or third party service providers of Payyus Companies who we reasonably believe have a need to access such Personal Information to provide products or services to you or to fulfill their business responsibilities to Payyus Companies.

Payyus employs appropriate measures to protect Personal Information that we collect and maintain. These measures may include, among others, encryption, physical access security and other appropriate technologies. For example, Payyus encrypts the transmission of data over the Internet with SSL (secure socket layer) technology and takes steps to encrypt certain data that is stored on our servers appropriate to the sensitivity of the data.

Identity theft and the practice currently known as “phishing” are of great concern to Payyus. Safeguarding information to help protect you from identity theft is a top priority. Payyus does not and will not, at any time, request your credit card information, your Payyus Account credentials, login password, or national identification numbers in a non-secure or unsolicited e-mail or telephone communication. For more information about phishing, visit the Federal Trade Commission’s website, which is located at www.consumer.ftc.gov.

4. International Transfer

Your Personal Information may be transferred to and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. By supplying Personal Information to us, you consent to your Personal Information being transferred to and maintained across national borders by Payyus Companies or third party service providers of Payyus Companies.

5. Links to Other Websites, Other Services and 3rd Party Apps

Payyus services may contain links to other websites, online services or to 3rd Party Apps. This Privacy Policy does not apply to the data collection and use policies of the provider or developer of any 3rd Party Apps; the use of your information by those 3rd Party Apps is governed by the separate privacy policy of the provider or developer of the 3rd Party App.  In the case of Plaid, Payyus uses Plaid Technologies, Inc. (Plaid) to gather End User's data from financial institutions.  By using our service, you grant Payyus and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution.  You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Pollicy.

6. Our Policy Towards Children

Our services are not directed to children under 13 and we do not knowingly collect Personal Information from children under 13. If we become aware that a child under 13 has provided us with Personal Information, we will delete such information from our files as soon as possible.

7. Changes to Our Privacy Policy

Payyus reserves the right to modify this Privacy Policy from time to time. If we make changes to this Privacy Policy, we will notify you of those changes by posting them on our website, and if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of privacy policy changes).