This privacy policy was last modified on MARCH 24, 2023.

Payliance respects your privacy and is committed to protecting it through compliance with this privacy policy (“Privacy Policy”). The Privacy Policy describes the information we collect about you, how it is used, and with whom it is shared, and it explains the rights and choices you have to control how we handle your Personal Information.

This Privacy Policy describes:

• Personal Information We Collect
• How We Use Your Personal Information
• How We Share Your Personal Information
• Your Choices
• How We Protect Your Personal Information
• Your California Privacy Rights
• Children’s Privacy
• Contact Us
• Updates to the Privacy Policy

In this Privacy Policy, “Payliance” “we,” or “our” means Payliance “App” means a mobile application that we or any of our affiliates makes available to you, including the Payliance iOS and Android applications.

This Privacy Policy applies to information Payliance collects about you through any App that links to or otherwise publishes this Privacy Policy, and to any other features, content, or other communications or services we offer from time to time in connection with our App (“Services”). This Privacy Policy does not apply outside of the United States.

Unless stated otherwise, our Privacy Policy applies to all information Payliance collects that identifies or is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you or your household, including online account information (“Personal Information”). Please read this Privacy Policy before using or accessing the Services. By using our Services, you communicate your understanding and acceptance of this Privacy Policy.

Personal Information We Collect

Information You Provide to Us

We receive and store any information you enter on our App or provide or use in connection with our Services. You can choose not to provide certain information, but this may limit your ability to use the

 Services.

• Identifiers such as your name, contact information, email address, mobile device identifier, and IP address.
• Personal Information Described in Subdivision (e) of Cal. Civ. Code § 1798.80:
  • Transaction Information such as information related to your payment transactions.
  • Interactions with Payliance Associates including any communications and requests to Payliance associates, such as for customer assistance.
  • Content you post to our App such as comments that you post to our App, forums, and discussion areas.
  • Other information you provide such as profile data that you upload to your account.

• Employment or Professional-related information such as your employer identification number.
• Sensitive Personal Information such as your financial account number, payment card number, or username and password to an online account.
• Device Information such as your device type or operation system.

How We Use Your Personal Information

We use your Personal Information to provide, support, and develop our Services. In particular, we may use your Personal Information:

• To Provide Our Services, such as to provide products and services that you request; register and manage your account; and provide and manage the Services.
• To Market and Advertise to You, such as to send you updates, newsletters, promotions, and surveys; personalize notifications and service offerings to you; communicate with you about our products and services; analyze our marketing strategies and trends regarding your use of our App; improve the effectiveness of our marketing campaigns.
• To Improve Our Services, such as engage in analysis, research, and reports regarding use of the Services; track the efficacy of our App and/or improve the App experience; and for troubleshooting and maintenance purposes.
• To Secure our Services and Users, such as protect against error, fraud, unauthorized transactions, claims and other liabilities; manage exposure to risk from unauthorized users; enforce the terms of use on our App; and/or comply with applicable legal mandates, our policies, or industry standards.
• To Provide Customer Service, such as provide customer service when you need help and/or to improve customer experiences; provide status updates on requested transactions; or inform you about product releases or updates.
• Or for any other purpose not listed here, with your consent.

In addition to the above purposes, we may collect and summarize your information in aggregated, de-identified form for any purposes, including statistical or research.

How We Share Your Personal Information

As explained in greater detail below, we may disclose certain categories of Personal Information for the purposes and with the types of entities set forth in this section for business purposes (as defined by applicable law) or as required by applicable law:

At Your Direction

We may share your Personal Information with third parties when you direct us to do so.

Service Providers

We may share your Personal Information with other entities who perform services on our behalf such as payment processing, servicing products, maintenance of your account, verifying and validating information that you have provided to us, and providing customer support services. Such entities are contractually obligated to maintain the confidentiality of your Personal Information.

Payliance uses Plaid Inc. (“Plaid”) to gather your data from financial institutions. By using the Services, you grant Payliance 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 Policy (plaid.com/legal/).

Sale or Transfer of Business or Assets

Your Personal Information may be transferred or disclosed to a purchaser or prospective purchaser in the event of a sale, assignment, or other transfer of all or a portion of our business or assets.

Legal Disclosure

We may disclose information about you when required by law, subpoena, or other legal process or if we have a good faith belief that disclosure is reasonably necessary to (1) investigate, prevent, or take action regarding suspected or actual illegal activities or to assist government enforcement agencies; (2) enforce our agreements with you, (3) investigate and defend ourselves against any third-party claims or allegations; (4) protect your or our rights or safety, or that of others, or to protect the security or integrity of our Service, including but not limited to by exchanging information with other companies and organizations for anti-fraud/anti-bot and credit risk reduction purposes.

Links to Third Parties

Any links to third-party applications or websites are provided as a convenience to you. Once you leave the App, we neither control nor have responsibility for third-party sites, their content, or their privacy practices. We encourage you to read the terms and conditions and privacy policy of each third-party service that you access or utilize.

Your Choices

Accessing, Changing, and Modifying Your Account Information and Settings

We provide a number of choices about the collection and use,of your Personal Information:

• If you have registered for an account, you can access, review and manage many changes yourself via the customer dashboard in our App. Within the dashboard, you can do things like update your profile information and change your communication preferences.
• If you have not registered for an account, or the information you are seeking is not available within the customer dashboard, you can submit a request using the contact details in the “How to Contact Us” section of this Privacy Policy.
• You may opt out of receiving marketing emails from us at any time by clicking on the unsubscribe link in our emails. You will continue to receive service-related emails (e.g., order status).

Data Retention and Account Closure

We may keep Personal Information after you close your account as long as such information is reasonably necessary or relevant for the practices described in this Privacy Policy. We also keep Personal Information as otherwise required by law. What this means in practice will vary between different types of information, and when we consider our approach we take into account ongoing business or legal needs for the information, for example in relation to tax, and potential or actual disputes or investigations. We may retain de-identified information after your account has been closed.

How We Protect Your Personal Information

Security

We implement a variety of security safeguards designed to protect your Personal Information, including encryption as outlined in the Payment Card Industry Data Security Standard (PCI DSS). However, no method or transmission over the internet or electronic system is completely secure, so there is no guarantee that such data may not be accessed, disclosed, altered, or destroyed in connection with a breach of our physical, technical, organizational, or managerial safeguards.

Choosing a Password

When you register as a user and create an online account on our App, you will be prompted to select a personal password. To maximize your level of protection, you should choose a strong and unique password. You are solely responsible for maintaining the secrecy of your password and any account information.

Your California Privacy Rights

Where provided for by law and subject to any applicable exceptions, California residents may have the following rights under the California Consumer Privacy Act of 2018 (“CCPA”).

Under the CCPA, this Privacy Policy does not apply to the Personal Information we collect, use or disclose that is subject to the federal Gramm-Leach-Bliley Act (“GLBA”) and implementing regulations, or the California Financial Information Privacy Act (“CalFIPA”). The GLBA and/or CalFIPA governs the information of individuals who apply for or use our financial products or services.

For that Personal Information subject to the CCPA, it grants consumers the following rights:

• Right to Know:  You have the right to know what Personal Information we have collected about you, including the categories of Personal Information, the categories of sources from which the Personal Information is collected, the business or commercial purpose for collecting, selling, or sharing Personal Information, the categories of third parties to whom we disclose Personal Information, and the specific pieces of Personal Information we have collected about you.
• Right to Delete:  You have the right to delete Personal Information that we have collected from you, subject to certain exceptions. Note that there are some reasons we will not be able to fully address your request, such as if we need to complete a transaction for you, to detect and protect against fraudulent and illegal activity, to exercise our rights, for our internal purposes, or to comply with a legal obligation.
• Right to Correct:  You have the right to correct inaccurate Personal Information that we may maintain about you, subject to appropriate verification.

How to Submit a Request

To take advantage of your right to know, delete, or correct under CCPA, please contact us by email at mobileappsupport@payliance.com or by using the How to Contact Us section below. We may request certain information to verify your identity before we can respond to your access, deletion, and correction requests. We will confirm receipt of your request within 10 business days and will respond to your request within 45 calendar days, after proper verification, unless we need additional time, in which case we will let you know.

We will not discriminate against you because you exercised your rights under this section.

We may not honor part or all of your request — for example, certain information we collect may be exempt from this Privacy Policy, such as information collected, processed, or disclosed subject to the GLBA, and implementing regulations or the CFIPA, public information made available by a government entity or information covered by another privacy law.

Agent Requests

You may authorize someone to make a privacy rights request on your behalf (an authorized agent). Authorized agents will need to demonstrate that you’ve authorized them to act on your behalf or must demonstrate they have power of attorney pursuant to applicable probate law. Payliance retains the right to request confirmation directly from you confirming that the agent is authorized to make such a request, or to request additional information to confirm the agent’s identity. An authorized agent is prohibited from using a consumer’s Personal Information, or any information collected from or about the consumer, for any purpose other than to fulfill the consumer’s requests, for verification, or for fraud prevention. 

California Data Protection Disclosures

Under CCPA, we are required to provide certain information to California residents about our information collection practices.

Categories of Personal Information Collected. In the last 12 months, Payliance collected the following categories of Personal Information enumerated in the CCPA:

• Identifiers
• Personal Information Described in Subdivision (e) of Cal. Civ. Code § 1798.80:
• Transaction Information such as information related to your payment transactions
• Sensitive Personal Information (financial account information)  

For further details on information we collect, including the sources from which we receive information, review the “Personal Information We Collect” section above. We collect Personal Information for the business purposes described in the “How We Use Your Personal Information” section above.

Categories of Personal Information Disclosed for Business Purposes. In the last 12 months, Payliance has disclosed the Personal Information listed above in “Categories of Personal Information Collected” for a business purpose (such as with our service providers or processors, whose use of Personal Information we disclose is limited to providing certain service to us pursuant to a written contract):

Additional detail on the business purposes for which we disclose Personal Information is provided above under “How We Share Your Personal Information.”

Notice about Sales of Personal Information.  We do not “sell” Personal Information or “share” Personal Information for “cross-context behavioral advertising,” as these terms are defined under CCPA. We do not knowingly “sell” or “share” Personal Information about persons under the age of 16.

Use and Disclosure of Sensitive Personal Information. To the extent that we collect, use, or share “sensitive personal information” as that term is defined in CCPA, we limit our use or disclosure of the sensitive personal information for permitted business purposes.

Children’s Privacy

Our Services are designed for and directed at people 16 years of age or older. We do not knowingly collect information from children under 16. If Payliance learns that a child under the age of 16 has submitted personally identifiable information online, it will take reasonable measures to delete such information from its databases and to not use such information (except where necessary to protect the safety of the child or other as required or allowed by law). If you become aware of any Personal Information we have collected from children under 16, please see “Contact Us” for details to contact us.

Contact Us

If you have questions about how we collect, store and use Personal Information, please contact us at mobileappsupport@payliance.com or:

Payliance

2 Easton Oval, 3^rd Floor

Columbus, OH 43219

Updates to the Privacy Policy

This Privacy Policy may change from time to time. We will notify you of changes by posting a revised version of the Privacy Policy on this website and updating the “last modified” at the top of the Privacy Policy. You should check this website periodically for updates. If we make material changes to the Privacy Policy, then we will provide notice through our Services or by other means, as legally required. You acknowledge that your continued use of our Services after we publish or send a notice about our changes to this Privacy Policy means that the collection, use and disclosure of your Personal Information is subject to the updated Privacy Policy. If you object to any changes, you may close your account and discontinue use of the applicable Services.