Scope and Consent
Collection of Personal Information
We collect the following types of personal information in order to provide you with the use of PayMyBraider.com, and to help us personalize and improve your experience.
Information you provide to us: We may collect and store any information you provide us when you use PayMyBraider.com, including when you add information on a web form, add or update your account information, participate in community discussions, chats, or dispute resolutions, or when you otherwise correspond with us regarding PayMyBraider.com.
When you use PayMyBraider.com, we also collect information about your transactions and your activities. In addition, if you open a PayMyBraider.com account or use PayMyBraider.com, we may collect the following types of information:
- Contact information, such as your name, address, phone, email and other similar information.
- Financial information, such as the full bank account numbers and/or credit card numbers that you link to your PayMyBraider.com account or give us when you use PayMyBraider.com.
- Detailed personal information such as your date of birth or national ID number.
We may also collect information from or about you from other sources, such as through your contact with us, including our customer support team, your results when you respond to a survey, your interactions with members of the PayMyBraider.com corporate family or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, PayMyBraider.com may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with PayMyBraider.com, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.
Authentication and Fraud Detection: In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with PayMyBraider.com. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.
When use our mobile applications, or access one of our mobile optimized sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to control or disable location services in the device's settings menu. If you have questions about how to disable your device's location services, we recommend you contact your mobile service carrier or the manufacture of your particular device.
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 PayMyBraider.com and customer support;
- process transactions and send notices about your transactions;
- verify your identity, including during account creation and password reset processes;
- resolve disputes, collect fees, and troubleshoot problems;
- manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
- detect, prevent or remediate violations of policies or applicable user agreements;
- improve the PayMyBraider.com by customizing your user experience;
- measure the performance of the PayMyBraider.com and improve their content and layout;
- manage and protect our information technology infrastructure;
- provide targeted marketing and advertising, provide service update notices, and deliver promotional offers based on your communication preferences;
- contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement;
- perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties.
We may contact you via electronic means or postal mail to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, we may contact you to offer coupons, discounts and promotions, and inform you about PayMyBraider.com and the services of our corporate family. Finally, we may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. When contacting you via phone, to reach you as efficiently as possible we may use, and you consent to receive, autodialed or prerecorded calls and text messages as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications.
We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your personal information with information we collect from other companies and use it to improve and personalize PayMyBraider.com, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notifications section and updating your preferences, or by following the directions that may be provided within the communication or advertisement.
We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.
When you access our website or use PayMyBraider.com, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, e-tags, "Flash cookies," or other local storage provided by your browser or associated applications (collectively "Cookies"). We use these technologies to recognize you as a customer; customize PayMyBraider.com, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and PayMyBraider.com.
You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our website and PayMyBraider.com.
Do Not Track: Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to DNT signals. We do, however, provide you notice of the tracking by advertisers and other third parties in our Privacy and Cookies policies.
For more detailed information on our use of these technologies, please see our policy on Cookies, Web Beacons, and Similar Technologies.
How We Protect and Store Personal Information
We store and process your personal information on our computers in North America, Asia, Europe and elsewhere in the world where our facilities are located. We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls.
How We Share Personal Information with Other PayMyBraider.com Users
When transacting with others, we may provide those parties with information about you necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, we may also provide details of the unsuccessful transaction. To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is against our policies and constitutes a violation of our User Agreement.
If someone is sending you money and enters your email address or phone number, we will provide them your registered name so they can verify they are sending the money to the correct account.
We work with third parties, including merchants, to enable them to accept or send payments from or to you using PayMyBraider.com. 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 has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a PayMyBraider.com customer and that PayMyBraider.com as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a PayMyBraider.com customer with a third party, we will do so.
If you link your loyalty or gift card of a PayMyBraider.com merchant to your account, we may share your card number with that merchant when you pay using PayMyBraider.com.
Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although PayMyBraider.com’s user agreement does not allow the other transacting party to use this information for anything other than providing PayMyBraider.com Services, PayMyBraider.com is not responsible for their actions, including their information protection practices.
Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using PayMyBraider.com, or with the third parties that offer or use PayMyBraider.com Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.
Using Log In with PayMyBraider.com
Log In with PayMyBraider.com is a tool we’ve developed to improve your Internet experience. Log In with PayMyBraider.com allows you to streamline and simplify the account creation and login process when using third-party websites, and it allows these websites to enhance your experience on their sites. Instead of creating multiple usernames and passwords for each website you visit, Log In with PayMyBraider.com allows you to sign in to a participating website using your existing PayMyBraider.com login information. When you use Log In with PayMyBraider.com, you agree that PayMyBraider.com can share the information listed on the Log In with PayMyBraider.com consent screen or in your Log In with PayMyBraider.com account settings with the participating website. Information you allow PayMyBraider.com to share with these third-party websites is subject to each third-party’s terms of service and privacy agreement, so you are encouraged to review their policies.
How You Can Access or Change Your Personal Information
How You Can Contact Us about Privacy Questions