PRIVACY POLICY
Last Update: Sept 16, 2010
Pay Cash Now utilizes the strongest SSL encryption available. The 256 bit encryption from Thawte ensures that your information is secure as it travels across the internet. Thawte is one of the premier Certificate Authorities securing over a million Web servers worldwide. Thawte provides SSL transaction security for over 40% of all internet transactions with 128- or 256-bit encryption.
This Privacy Policy describes the ways we collect, store, use and protect your personal information. You accept this policy when you sign up for or use our products, services or any other features, technologies or functionalities offered by us on our website or through any other means (collectively the “Pay Cash Now 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.
How we collect information about you
When you visit the Pay Cash Now website or use the Pay Cash Now Services, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.
If you open an account or use the PayPal Services, we may collect the following types of information:
· Contact information - your name, address, phone, email and other similar information.
· Financial information - the full bank account numbers and/or credit card numbers that you link to your Pay Cash Now account or give us when you use the Pay Cash Now Services.
Before permitting you to use the Pay Cash Now Services, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.
When you are using the Pay Cash Now Services, we collect information about your transactions and your other activities on our website or using the Pay Cash Now Services and we may collect information about your computer or other access device for fraud prevention purposes.
Finally, we may collect additional information from or about you in other ways such as contacts with our customer support team or results when you respond to a survey from interactions with employees or affiliates of Pay Cash Now, and from other companies.
Use of cookies
Pay Cash Now does not use cookies. A Cookie is a piece of text stored by a user's web browser. A cookie is normally used for authentication, storing site preferences, shopping cart contents, the identifier for a server-based session, or anything else that can be accomplished through storing text data. Pay Cash Now respects your desire to refrain from using cookies and has chosen not to utilize this functionality.
How we protect and store personal information
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 made anonymous so that it does not identify a specific user.
We store and process your personal information on our computer in our Pay Cash Now, and we protect it by maintaining reasonable physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use reasonable computer safeguards such as firewalls and data encryption, we enforce reasonable 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.
How we use the personal information we collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
· provide the Pay Cash Now Services and customer support you request;
· process transactions and send notices about your transactions
· resolve disputes, collect fees, and troubleshoot problems;
· prevent potentially prohibited or illegal activities, and enforce our User Agreement;
· customize, measure, and improve the Pay Cash Now Services and the content and layout of our website and applications;
· deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;
· compare information for accuracy and verify it with third parties.
Marketing
We don't 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 the Pay Cash Now Services, content and advertising.
How we share personal information with other Pay Cash now users
To process your orders and payments, we may share some of your personal information with the person or company that you are paying or that is paying you. Additionally, other information may also be shared with third parties when you use third parties to access the Pay Cash Now Services.
If you are buying goods or services and pay through Pay Cash Now, we may also provide the seller with your confirmed payment information 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. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.
We work with third parties, including merchants, to enable them to accept or facilitate payments from or to you using Pay Cash Now. In doing so, a third party may share information about you with us, such as your email address or mobile phone number to inform you that 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 Pay Cash Now customer and that Pay Cash Now 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. Also, if you request that we validate your status as a Pay Cash Now customer with a third party, we will do so. Please note that merchants you buy from and contract with have their own privacy policies, and Pay Cash Now may not be held responsible for their operations, including, but not limited to, their information practices.
Regardless, we will not disclose your bank account number to anyone you have paid or who has paid you through Pay Cash Now or with the third parties that offer or use the Pay Cash Now Services, except with your express permission or if we are required to do so to comply with a credit card rules, subpoena or other legal process.
How we share personal information with other parties
We may share your personal information with:
· Service providers under contract who help with parts of our business operations such as fraud prevention, bill collection, marketing, and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
· Financial institutions that we partner with to jointly create and offer Pay Cash Now services
· Credit bureaus to report account information, as permitted by law.
· Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
· Law enforcement, government officials, or other third parties when
o we are compelled to do so by a subpoena,` court order or similar legal procedure
o we need to do so to comply with law or banking rules
o we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.
· Other third parties with your consent or direction to do so.
Pay Cash Now will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy.
How you can contact us about privacy questions
If you have questions or concerns regarding this policy, you should contact us by using this form or writing to us at Pay Cash Now, Attn: Privacy Department, 6914 South Yorktown Avenue, Suite 110, Tulsa, OK, 74136.