This Policy applies to the iPay website, including all subpages and successor pages (collectively referred to as the “Website”), and also applies to all software and services that we offer, including the iPay Gateway may be made available on a third-party website, or other services that we offer through our Website when you register for an iPay account (collectively referred to as the "Services").
This Policy does not apply to any website, product or service of any third-party company even if the website links to (or is linked from) our Website. iPay does not operate or control those websites, products or services. Please always review the privacy practices of a company before deciding whether to provide any information.
By using our Website or Services, you are accepting the practices described in this Policy. If you do not agree with this Policy, delete all cookies from your browser cache after visiting our Website and do not visit or use our Website or Services. Your continued use of our Website or Services signifies your acceptance of this Policy.
Information collection and use
Broadly speaking, we collect information in two ways: (1) when you provide it directly to us, (2) when we obtain verification information about you or your company through trusted third parties (e.g. banks, credit bureaus). The types of information that we collect and our use of that information will depend on whether you are a Website Visitor, Test User, Checkout User, or Live User, as described below.
The term "Personal Information", as used in this Policy, refers to any information that can be used to identify a specific person, or any anonymous information (e.g., IP Address) that is linked to a specific person. Personal information does not include information that has been aggregated or made anonymous such that it can no longer be reasonably associated with a specific person.
To simply browse our Website, you are not required to provide any Personal Information. However, we may gather non-personally-identifiable information, just for the purposes of monitoring and improving our Website and Services. We will not share this information with third parties except as a necessary part of providing our Website and Services, nor will we use it to target any advertisements to you.
When you use iPay Checkout on a merchant's website to store your payment credentials, we will gather and store your payment card information, your email address, your mobile phone number, and billing and shipping address. We will use this information to complete purchases that you choose to make on other websites or applications that also use IPay Checkout, but only with your permission. We may also share your contact information, but not your card information, with merchants as part of your purchases. We will not share this information with other third parties except as a necessary part of providing our Website and Services. You should carefully review merchants' privacy policies to better understand how each uses your information.
To gain full access to our Website and Services, you must register for an iPay account. When you register for an account, we collect Personal Information when you voluntarily provide it to us, such as the following:
- Your name, company name, location, email address, and phone number, and account password, to set up your account
- Your business and other government-issued identification or identification numbers, as well as your date of birth, to verify your identity for underwriting purposes.
- Your bank account information, to settle funds for your transactions
- Your IP addresses, devices, and locations used to access iPay, which will be linked to your account for fraud detection/prevention purposes
Sharing and disclosure of information
iPay does not sell or rent your Personal Information to marketers or third parties.
We may share your Personal Information with trusted third parties who are integral to the operation of our Website and Services, including but not limited to financial institutions, payment processors, verification services and credit bureaus, as well as any third parties that you have directly authorized to receive your Personal Information. We may store your Personal Information in locations outside the direct control of IPay, for instance, on servers or databases co-located with hosting providers.
We may disclose your Personal Information to law enforcement, government officials, or other third parties if: (i) we are compelled to do so by court order or other legal process, (ii) we must do so to comply with laws, statutes, rules or regulations, including credit card rules, (iii) we believe in good faith that the disclosure is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Terms of Service.
We will only disclose your Personal Information in response to such a request if we believe in good faith that doing so is necessary to comply with applicable law or a legal obligation to which we are bound. If we receive such a request, we will use reasonable efforts to give you prompt notice, so that you may contest it if you choose. We won’t provide you such notice if we determine in good faith that either (a) we are not permitted to provide it under applicable law, or (b) that doing so would result in an imminent risk of death, serious physical injury or significant property loss or damage to iPay or a third party.
In addition, in the event of a merger, acquisition, reorganization, bankruptcy, or other similar events, any information in our possession may be transferred to our successor or assign.
Choice and data retention
We are required to collect certain Personal Information to confirm your identity and comply with our obligations. If you elect to not provide Personal Information in optional fields it may limit your ability to use our Services. You can update your account information by signing on to our Website with your iPay account.
We may occasionally email you with information about offers or new services. You can opt out of these email communications by replying with unsubscribe in the subject line, or via an unsubscribe link included in such communications. However, you will continue to receive certain email communications related to your account including information regarding transactions and your relationship with iPay.
iPay has a variety of obligations to retain the data that you provide us, both to ensure that transactions can be appropriately processed, settled, refunded or chargeback, to identify fraud, and also to comply with laws applicable to us and to our banking providers and credit card processors. Accordingly, even if you close your iPay account we will retain certain information as necessary to meet our obligations.
Protection of information
Although no data transmission can be guaranteed to be 100% secure, we take reasonable steps to protect all Personal Information. iPay maintains strict administrative, technical, and physical procedures to protect information stored in our servers. Access to information is limited (through user/password credentials and software systems) to those employees who require it to perform their job functions. We use industry-standard Secure Socket Layer (SSL) encryption technology to safeguard the account registration process and sign-up information. Other security safeguards include but are not limited to data encryption, firewalls, and physical access controls to building and files.
Changes and notifications
We reserve the right, in our sole and absolute discretion, to make changes to this Policy from time to time. Please review this Policy periodically to check for updates. If any changes are material and/or retroactive, we may provide additional notice and/or an opportunity to "opt-in," as appropriate under the circumstances.
iPay will provide you with disclosures and alerts regarding this Policy by posting them on our Website, by emailing the email address listed in your iPay account, and/or by mailing to the physical address listed in your iPay Account. You agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices in relation to this Policy shall be considered to be received by you within 24 hours of the time it is posted to our Website or emailed to you (unless we receive notice that the email was not delivered).