Privacy Policy for Paymoi
Effective Date: 01.01.2024
Thank you for choosing to be part of our community at Paymoi. We are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about this privacy policy, or our practices with regards to your personal information, please contact us at info[at]paymoi.pro .
When you visit our website paymoi.pro, use our mobile application, as a service, “Paymoi” (the “App”), and more generally, use any of our services (the “Services”, which include the App), we appreciate that you are trusting us with your personal information. We take your privacy very seriously. In this privacy policy, we seek to explain to you in the clearest way possible what information we collect, how we use it, and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Services immediately.
Table of Contents
- What Information Do We Collect?
- How Do We Use Your Information?
- Will Your Information Be Shared With Anyone?
- Who Will Your Information Be Shared With?
- Do We Use Cookies and Other Tracking Technologies?
- How Do We Handle Your Social Logins?
- Is Your Information Transferred Internationally?
- What Is Our Stance on Third-party Websites?
- How Long Do We Keep Your Information?
- How Do We Keep Your Information Safe?
- Do We Collect Information from Minors?
- What Are Your Privacy Rights?
- Controls for Do-Not-Track Features
- Do California Residents Have Specific Privacy Rights?
- Do We Make Updates to This Policy?
- How Can You Contact Us About This Policy?
1. What Information Do We Collect?
We collect personal information that you voluntarily provide to us when expressing an interest in obtaining information about us or our products and services, when participating in activities on the App or otherwise contacting us. The personal information that we collect depends on the context of your interactions with us and the App, the choices you make, and the products and features you use. The personal information we collect can include the following:
- Publicly Available Personal Information.
- Personal Information Provided by You.
- Information automatically collected.
- Information collected through our App.
- Information collected from other sources.
2. How Do We Use Your Information?
We use personal information collected via our App for a variety of business purposes described below:
- To facilitate account creation and logon process.
- To send administrative information to you.
- To fulfill and manage your orders.
- To post testimonials.
- To deliver and facilitate delivery of services to the user.
- To respond to user inquiries/offer support to users.
- To send you marketing and promotional communications.
- For other Business Purposes.
Will Your Information Be Shared With Anyone?
We take your privacy very seriously and only share information in specific circumstances. The instances in which we may share your information include:
- Compliance with Laws: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).
- Vital Interests and Legal Rights: We may disclose information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.
- Vendors, Consultants, and Other Third-Party Service Providers: We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service, and marketing efforts. We may allow selected third parties to use tracking technology on the App, which will enable them to collect data about how you interact with the App over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity.
- Business Transfers: We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- With Your Consent: We may disclose your personal information for any other purpose with your consent.
Who Will Your Information Be Shared With?
In order to provide our services and our app functionality to you, we may share your personal data with the following categories of third parties:
- Payment Processors and Facilitators
- Data Analytics Providers
- Marketing and Email Campaign Vendors
- Customer Support Services
- Hosting and Cloud Computing Service Providers
- Legal and Compliance Consultants
Each third-party partner has been vetted to ensure that they handle data in a manner that meets both the legal standards set by GDPR and our high standards of privacy and security.
Do We Use Cookies and Other Tracking Technologies?
We use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policy.
Purpose of Cookies and Tracking Technologies:
- Operational Necessity: We use these cookies to ensure the proper operation of our app and all of its features.
- Performance and Analytics: Cookies help us analyze how the services are being accessed and used and enable us to track performance of the services. This data helps us to understand and improve the user experience on our app.
- User Preferences: To enhance your experience with our app, we use cookies that recognize you and remember your preferences or settings when you return to our app.
- Marketing and Advertising: Cookies and other tracking technology are used to display personalized advertising, as well as to manage our advertising across other sites and services. Currently we do not track for advertising purposes.
If you are located in a jurisdiction where consent is required for certain types of cookies, we will obtain your consent accordingly.
How Do We Handle Your Social Logins?
If you choose to register or log in to our services using a social media account, we may have access to certain information about you. Our App, Paymoi, allows social logins from platforms such as Facebook, Google, or Twitter to facilitate the registration and login process without the need to input your details manually. This information typically includes your name, email address, friends list, profile picture, and other information you choose to make available depending on the specific social media platform and your privacy settings on that platform.
When you use a social login, we also ensure that we handle this information in accordance with our privacy policies and relevant laws. We do not retain your social media password. We may also use this information to personalize your experience on our app based on your interactions on social media. You can always limit the information shared with us by adjusting your privacy settings on the respective social media platform.
Is Your Information Transferred Internationally?
Our operations are global, and in order to provide you with seamless services, your personal information may be transferred to, and processed in, countries other than the country in which you reside. These countries may have data protection laws that are different from the laws of your country.
However, we take all necessary measures to protect your personal information in accordance with this privacy policy and applicable law. This includes implementing the European Commission’s Standard Contractual Clauses for transfers of personal information between our group companies and third-party service providers and partners, which require all parties to protect personal information they process from the EEA in accordance with European Union data protection law. We also ensure that additional safeguards are in place if the countries to which your data is transferred do not have equivalent protections.
What Is Our Stance on Third-party Websites?
Our App, Paymoi, and our services may contain links to third-party websites that are not operated or controlled by us. This privacy policy does not apply to third-party websites, and we are not responsible for their content, the products or services they offer, or their privacy practices. We encourage you to review the privacy policies of any third-party websites you interact with to understand their information handling practices.
We do not endorse, screen, or approve, and are not responsible for the privacy practices or content of such other websites or applications. Clicking on those links may allow third parties to collect or share data about you. We strongly advise you to exercise caution and read the privacy policy of each website you visit.
How Long Do We Keep Your Information?
At Paymoi, we only retain your personal information for as long as it is necessary for the purposes set out in this privacy policy, including to meet legal, regulatory, tax, or accounting requirements. The retention period depends on several factors, including the nature of the information, the reasons for collecting it, and relevant legal or operational retention needs.
For instance, we retain your account information for as long as your account is active and a reasonable period thereafter in case you decide to re-activate the services. We also retain some of your information as necessary to comply with our legal obligations, to resolve disputes, to enforce our agreements, and to support business operations.
Once we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it. If this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
How Do We Keep Your Information Safe?
We take the security of your data very seriously at Paymoi. We implement a range of technical, administrative, and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption: Encrypting data in transit and at rest using industry-standard encryption protocols.
- Access Controls: Implementing role-based access controls to ensure that only authorized personnel have access to personal information.
- Regular Audits: Conducting regular security audits and vulnerability scans to identify and mitigate potential security risks.
- Secure Development Practices: Integrating security considerations into the development and maintenance of the app.
- Training and Awareness: Providing training to employees on data protection principles and securing sensitive information.
Despite these efforts, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.
Do We Collect Information from Minors?
In compliance with the Children’s Online Privacy Protection Act (COPPA) and General Data Protection Regulation (GDPR), Paymoi does not knowingly collect data from or market to children under the age of 16. If we learn that personal information from users less than 16 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 16, please contact us at [provide contact information].
Parents and guardians are encouraged to take an active role in their children’s online activities and interests. If you believe your child has provided personal information to us without your consent, you can alert us through our provided contact information.
What Are Your Privacy Rights?
As a data subject, you have specific rights regarding the personal information we hold about you. Paymoi is committed to ensuring that you can exercise these rights easily. Below are the rights that you have under data protection laws:
- The Right to Access: You have the right to request copies of your personal data. We may charge you a small fee for this service.
- The Right to Rectification: You have the right to request that we correct any information you believe is inaccurate. You also have the right to request us to complete information you believe is incomplete.
- The Right to Erasure: You have the right to request that we erase your personal data, under certain conditions.
- The Right to Restrict Processing: You have the right to request that we restrict the processing of your personal data, under certain conditions.
- The Right to Object to Processing: You have the right to object to our processing of your personal data, under certain conditions.
- The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.
To exercise any of these rights, please contact us using the contact details provided in this privacy policy. We will respond to your request within one month.
Controls for Do-Not-Track Features
Most web browsers and some mobile operating systems include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy policy.
Do California Residents Have Specific Privacy Rights?
Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
- California Consumer Privacy Act (CCPA): This legal framework provides California residents with the right to request that businesses disclose the categories and specific pieces of personal information they collect, use, and share about them. Residents also have the right to request the deletion of their personal information and to not be discriminated against for exercising their privacy rights.
- Shine the Light Law: California’s “Shine the Light” law permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided.
We are committed to upholding the privacy rights of all users, including residents of California. If you have any questions or would like to exercise your rights, please contact us.
Do We Make Updates to This Policy?
We may update this privacy policy from time to time in order to reflect changes to our practices or for other operational, legal, or regulatory reasons. When we make changes, we will post the updated policy on our website and update the “Effective Date” at the top of this policy. If we make material changes to this policy, we will notify you directly by means of a notice on our website or app, or by sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.
How Can You Contact Us About This Policy?
If you have questions or comments about this policy, or if you would like to exercise your rights to your personal data, please contact us using the following details:
- Email: contact[at]paymoi.pro
- Postal Address: Paymoi | division of HTE, Wallbach, Switzerland
You may also contact our Data Protection Officer at dataprotection[at]paymoi.pro .
For additional information or to submit a complaint about how we handle your personal data, you can also contact the relevant data protection authorities if you believe we have not addressed your concern in a satisfactory manner.