PaY by PiN Privacy Policy   

PaY by PiN is committed to protecting your privacy. Period. That’s because we base our business on the trust you place in us. The information we collect is gathered to ensure secure transaction between you and the merchant.

Please read our privacy statement which demonstrates that we are worthy of your trust.

At PaY by PiN, access to customer information is based on the sensitivity of the information and our employees' or agents' need-to-know. Employees and agents are authorized to use available customer information for authorized business purposes only. Each employee receives a code of conduct that details our requirements for our employees when using customer information. Disregard of these requirements may result in disciplinary action up to and including termination.

PaY by PiN is highly selective in choosing affiliated business partners that assist us in the delivery of our products and services to you. On occasion we may partner with unaffiliated third parties to offer ancillary products and services that may be of benefit to you. When we enter into this type of relationship, we require these partners to adhere to strict standards regarding the security and confidentiality of customer information.

You should also be aware that there may be occasions where we are legally required to disclose information about you, such as in response to a subpoena, to prevent fraud, or to comply with a governmental agency or federal regulator.

We strive to maintain complete and accurate information about you and your accounts. Should you ever believe that our records contain inaccurate or incomplete information about you, we have established processes for you to notify us. We will investigate your concerns and correct any inaccuracies promptly.

Additional Verification

If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified billing address, we ask you to send us additional information by fax (such as your drivers' license, credit card statement, and/or a recent utility bill or other information linking you to the applicable address), or to answer additional questions online to help verify your information.

Our Collection, Retention, and Use of Information about You. We collect, retain, and use information about you only where we reasonably believe that it will help administer our business or provide products, services, and other opportunities to you. We collect and retain information about you only for specific business purposes. We use information to protect and administer your records, accounts, and funds; to comply with certain laws and regulations; to help us design or improve our products and services; and to understand your needs so that we can provide you with quality products and superior service.

A Special Note About Children. Children are not eligible to use our service and we ask that minors (under the age of 18) do not submit any personal information to us or use the service

Our Maintenance of Accurate Information. We have procedures to help assure that your information is accurate, current, and complete in accordance with commercial standards. We have implemented procedures to maintain accurate, current, and complete information, including processes to update information and remove old information.

Limiting Employee Access to Information. We have procedures that limit employee access to personally identifiable information to those employees with a business reason to know such information about you. We educate our employees about the importance of confidentiality and customer privacy through standard operating procedures, special training programs, and our policies on ethics. We take appropriate disciplinary measures to enforce employee privacy responsibilities.

Security Procedures to Protect Information. We maintain security standards and procedures to help prevent unauthorized access to confidential information about you. We update and test our technology to improve the protection of our information about you and to assure the integrity of our information.  

Restrictions on Disclosing Information to Parties Outside Our Company. We do not reveal specific information about your accounts or other personally identifiable data to parties outside our company for their independent use unless: (1) you request or authorize it; (2) the information is provided to help complete a transaction initiated by you; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) the disclosure otherwise is lawfully permitted or required. We do not provide account or personal information to companies for the purpose of independent telemarketing, email marketing or direct mail marketing of any products or services of those companies.

Maintaining Your Privacy in Business Relationships with Parties Outside Our Company. Sometimes it is necessary to provide personally identifiable information about you to a party outside our company, such as to a vendor or service company that we hire to provide support or services for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

Accessing and Changing Your Information

You can review the personal information you provided us and make any desired changes to such information, or to the settings for your PaY by PiN account, at any time by logging in to your account on the PaY by PiN Web site and changing your preferences in the Profile page of the "My Account" tab. You can also close your account through the PaY by PiN Web site. If you close your PaY by PiN account, we will mark your account in our database as "Closed," but will keep your account information in our database. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. However, if you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or shared with third parties, except as necessary to prevent fraud and assist law enforcement, or as required by law.

Contacting Us

This PaY by PiN Online Privacy Statement is currently only applicable to our website customers and visitors in the United States. As we develop websites for international audiences, they may adopt additional rules and practices consistent with this statement to conform to the policies or requirements of those countries. We may alter this statement as needed for certain products and services and to abide by local laws or regulations around the world.

If you have any questions regarding PaY by PiN's privacy statement, please contact csr@paybypin.com