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Privacy Notice for Users Who Apply or Sign Up for a Paytree Account or Other Services
Effective Date: January 31, 2020
Posted Date: January 2, 2020
We’ve included annotations in the boxes below to emphasize certain portions of our notice and help guide you as you read them. The annotations aren’t summaries, so please take the time to read everything!
By using our services, you consent to these data practices. If you use our services on behalf of your company, that company consents too.
This Privacy Notice describes how Paytree Group Limited and our affiliates (collectively, “Paytree,” “we,” and “us”) collect, use, disclose, transfer, store, retain or otherwise process your information when you (whether you are a person acting as a sole proprietor or on behalf of another business entity) apply or sign up for a Paytree account and other services (including, but not limited to, Anzili) through Paytree’s website or applications (collectively, “Services”).
This Privacy Notice applies to information collected in connection with your access to and use of our Services. Please read this Privacy Notice carefully. By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.
Our Privacy Notice explains:
INFORMATION WE COLLECT ABOUT YOU
We use your data to make Paytree’s products and services work better for you and others. This describes what data we get about you (which can vary depending on where you live).
Information You Provide
We use data you put into our systems when you open and use an account or other systems, like financial or tax information, information that identifies who you are, transaction information, and any other data you give us.
We collect information you provide when you:
We call this information Merchant Account Data.
Specifically, we collect (or have collected during at least the 12 months preceding the effective date of this Privacy Notice) the following categories of information:
Information We Collect From Your Use of the Services
We also get data from the devices you use when you interact with our systems, like your location or information about the device you’re using. We need this data to do things like help protect your account from hackers, combat fraud, check if payments are being made or received legally and by you, and making our products and services better for you and others.
Information We Collect From Other Sources
We also need to check that you are using our services legally, that you are eligible for the services you want to use, and we protect your data and our services from fraudsters who may put you and your money at risk. To do this, we may collect data about you from companies that help us verify your identity, do a credit check, prevent fraud or assess risk.
INFORMATION WE MAY COLLECT ABOUT YOUR CUSTOMERS
We also obtain information about your customers on your behalf when they transact with you. We call this information Your Customers’ Data. We collect Your Customers’ Data when they transact with you through your use of Paytree’s products, for instance when they make a payment at your establishment, or schedule an appointment, or receive an invoice from you. The particular Customer Data we collect will vary depending on how you use our products and services and which products and services you use. Your Customers’ Data may include:
Information Your Customers May Provide Paytree
Privacy laws that apply in certain places treat “businesses” and “service providers” differently. Under those laws, a business is the company that decides why and how to process personal information. A service provider processes personal information on behalf of a business to provide services. When Paytree processes Your Customers’ Data, we generally act as your service provider. In select cases, however, we may act as a business when we process Your Customers’ Data. For example, we act as a business when we use Your Customers’ Data to send Your Customers digital receipts directly from Paytree, or when we allow you to use Customer Directory or Paytree Marketing to contact your buyer using a masked email address (for example, firstname.lastname@example.org) that gets routed to them via Paytree. Your Customers can visit the Privacy Notice for Paytree Buyer Features for more information on how Paytree processes their data when it is acting as a business, and the Privacy Notice for non-account holders for more information on how Paytree processes their data as your service provider.
SOURCES OF INFORMATION WE COLLECT ABOUT YOU
We collect your information from you and the other sources listed below.
We collect (or have collected during at least the 12 months preceding the effective date of this Privacy Notice) information about you from the following categories of sources:
HOW WE USE YOUR INFORMATION
We use your data to do things like make sure the products you are using work, help you log in to your account, verify who you are, secure your data, fight fraud, follow the law, enforce our agreements, figure out what new products we can build, and market products to you that we think could make it easier for you to run your business.
We may collect, use and share (or have collected, used or shared during at least the 12 months preceding the effective date of this Privacy Notice), information about you for the following reasons:
Performing, Improving and Developing our Services
Communicating with You About our Services
Protecting our Services and Maintaining a Trusted Environment
Advertising and Marketing
If we send you marketing emails, each email will have instructions on how you can “opt-out” of getting future marketing from us.
WHEN AND WITH WHOM WE SHARE YOUR INFORMATION
We share your information with others in the circumstances described in this section. For example, with other people with whom you interact when you use our services; within our family of companies (like Anzili ), who may offer services that we think could be useful to you; with service providers who help us run our services; with ad platforms that help us market and advertise our services to you; or if we need to share your information to comply with the law.
We may share the personal information described in the “Information We Collect About You” section with the following categories of service providers and third parties:
With other users of our Services with Whom You Interact
With our Affiliates and Group Companies
With our Service Providers
Business Transfers and Corporate Changes
Safety and Compliance with Law
With Your Consent
Aggregated and Anonymized Information
COOKIES AND OTHER SIMILAR TECHNOLOGIES
Digital cookies and similar technologies help us make our services better to use by doing things like recognizing when you’ve signed in, analyzing how you use our services so we can make them more useful to you, giving you a more personalized experience, and making our ads to you work better.
When you interact with our online services or open emails, we send you, we obtain certain information using automated technologies, such as cookies, web server logs, web beacons and other technologies. A “cookie” is a text file that websites send to a visitor’s computer or other internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon,” also known as an Internet tag, pixel tag, or clear GIF, is a tiny graphic image that may be used in our websites or emails.
We use these automated technologies to collect your device information, internet activity information, and inferences as described above. These technologies help us to:
We set some of these automated technologies ourselves, but others are set by third parties who deliver services on our behalf. For example, we may use other companies’ web analytics services (described in the “Third-Party Analytics Services” section), which use automated technologies to help us evaluate how customers use our websites.
Your browser can alert you when cookies are placed on your device, and how you can stop or disable them via your browser settings. Please note, however, that without cookies all of the features of our online services may not work properly. If you use a mobile device, you can manage how your device and browser share certain device data by changing the privacy and security settings on your mobile device. You can learn more about cookies and how to manage your preferences by visiting http://www.allaboutcookies.org.
THIRD-PARTY ANALYTICS SERVICES
We use other companies as service providers to help us analyze our site, track metrics, and advertise to you. These service providers generally promised us under contract to keep data private but have their privacy policies that you should be aware of.
We may use third-party analytics service providers to help us with our online services, such as Google Analytics, Facebook, BugSnag and Crashlytics. The analytics providers that administer these services use technologies such as cookies, web beacons, and web server logs to help us analyze how you use our online services. We may disclose your site-use information (including IP address) to these analytics providers, and other service providers who use the information to help us figure out how you and others use our online services.
ONLINE TRACKING AND INTEREST-BASED ADVERTISING
The service providers we use to advertise to you, and we may collect information about your activities on Paytree. We use this information to advertise to you and to tailor our products and services to your interests. You may see certain ads on other websites because we use third-party services to advertise our services to you. We use these services to target our ads to you and others based on your demographics, interests, and context. These third-party ad services track your online activities over time and across multiple websites by collecting your information through automated technologies, including third-party cookies, web server logs, and web beacons. The ad services use this information to show you Paytree ads that may be tailored to your interests. The information our ad services may collect on our behalf includes data about your visits to websites that serve Paytree ads, such as the pages or ads you view and the actions you take on those websites. This data collection takes place both on our online services, and on third-party websites that serve our ads to you. This process also helps us figure out if our ads to you are effective.
Certain web browsers allow you to instruct your browser to respond to Do Not Track (“DNT”) signals to website you visit, informing those sites that you do not want your online activities to be tracked. At this time, our websites are not designed to respond to DNT signals or similar mechanisms from browsers.
HOW LONG WE KEEP YOUR INFORMATION
We keep your information as long as you keep using our products and services. After that, we keep it for as long as we need it to do things like fight fraud, collect fees you owe, resolve disputes with (or involving) you, follow the law, enforce our agreements and defend our rights in court.
We generally keep your information as long as reasonably necessary to provide you the Services or to comply with applicable law. However, even after you deactivate your account, we can retain copies of information about you and any transactions or Services in which you may have participated for a period that is consistent with applicable law, applicable statute of limitations or as we believe is reasonably necessary to comply with applicable law, regulation, legal process, or governmental request, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our General Terms or other applicable agreements or policies, or to take any other actions consistent with applicable law.
You can see, change or fix information you gave us, ask us to deactivate your account, control your location information, or tell us to stop marketing to you by opting out.
You may access, change, or correct information that you have provided by logging into your Paytree account at any time or by requesting us using the contact details below. We will need to verify your identity before granting access or otherwise changing or correcting your information.
Deactivating Your Account
If you wish to deactivate your account, you can do so by logging into your Paytree account or by emailing us using the contact details provided below.
To provide certain Services, we may request access to location information, including precise geolocation information collected from your device. If you do not consent to the collection of this information, certain Services will not function properly and you will not be able to use those Services. You can stop our collection of location information at any time by changing the preferences on your mobile device. If you do so, some of our mobile applications will no longer function. You also may stop our collection of location information via mobile application by following the standard uninstall process to remove all Paytree mobile applications from your device.
You can opt-out of receiving promotional messages from Paytree by following the instructions in those messages, by informing the caller that you would not like to receive future promotional calls, or by changing your notification settings by logging into your Paytree account. You may only opt-out of text messages from Paytree by replying STOP. Opting out of receiving communications may impact your use of the Services. If you decide to opt-out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.
ONLINE BEHAVIORAL OR INTEREST-BASED ADVERTISING
Third-Party Online Behavioral or Interest-Based Advertising Services on Websites (including Mobile Websites)
Some of the advertising platforms that we use to collect information from or about you to provide more relevant advertising to you on websites participate in the DAA Self-Regulatory Program for Online Behavioral Advertising. This program offers a centralized location where users can make choices about the use of their information for online behavioral advertising. To make choices about the use of your information for online behavioral advertising on websites, please visit the Digital Advertising Alliance Webchoices tool. If you opt-out of online behavioral advertising using this method, this opt-out will only apply to the specific browser or device from which you opt-out.
Some of the advertisers, advertising technology companies, and service providers that perform advertising-related services for us may be members of the Network Advertising Initiative (NAI), a cooperative of online marketing companies that offers a centralized tool for opting out of interest-based advertising delivered to each of its member companies. If you would like to opt-out of the NAI’s members’ use of information from or about you on websites, please visit the NAI’s opt-out of interest-based advertising page. If you opt-out of interest-based advertising using this method, this opt-out will only apply to the specific browser or device from which you opt-out.
Third-Party Online Behavioral or Interest-Based Advertising Services Within Mobile Applications
Some of the advertising platforms that we use to collect information from or about you to provide our advertising to you within mobile applications participate in the DAA Self-Regulatory Program for Online Behavioral Advertising. This program offers a mobile application called the “AppChoices,” which provides a centralized location where you can make choices about the use of your information for online behavioral advertising within the mobile environment. The AppChoices application can be downloaded from your mobile device at www.aboutads.info/appchoices or from your device’s app store. If you opt-out of online behavioral advertising using this method, this opt-out will only apply to the specific browser or device from which you opt-out.
On your mobile device, you may also go to your device settings and select “Limit Ad Tracking” (for iOS devices), or “Opt-out of Interest-Based Ads” (for Android devices), which will allow you to limit our use of information collected from or about your mobile device (such as precise location data) to serve online behavioral advertising to you.
Children’s Personal Information
If you are a kid under 13, please don’t use our services. If we collect your data and later learn you are a kid under 13, we will delete it.
Our Services are general audience services not directed at children under the age of 13. If we learn that any information, we collect has been provided by a child under the age of 13, we will promptly delete that information.
We do a lot to keep your data safe. While we think we have strong defences in place, no one can ever guarantee that hackers won’t be able to break into our sites or steal your data while it is stored or flowing from you to us or vice versa.
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, and misuse, and unauthorized access, disclosure, alteration, and destruction. Nevertheless, the internet is not a 100% secure environment, and we cannot guarantee absolute security of the transmission or storage of your information. We hold information about you both at our premises and with the assistance of third-party service providers.
For more information about our security practices, please visit https://paytreegroup.com/security
STORAGE AND PROCESSING
We operate in many countries, and we (or our service providers) may move your data and process it outside the country where you live.
We may, and we may use third-party service providers to, process and store your information in the United States, Canada, Japan, the European Union, and other countries.
CHANGES TO THIS PRIVACY NOTICE
We can change this privacy notice. When the changes impact your rights or how we use your data in important ways, we’ll tell you first by email (if you’ve given us your email address).
We may amend this Privacy Notice from time to time by posting a revised version and updating the “Effective Date” above. The revised version will be effective on the “Effective Date” listed. We will provide you with reasonable prior notice of material changes in how we use your information, including by email if you have provided one. If you disagree with these changes, you may cancel your account at any time. If you keep using our Services, you consent to any amendment of this Privacy Notice.
You can contact our privacy team with any questions or concerns at the address below.
Please contact our privacy team with any questions or concerns regarding this Privacy Notice:
Paytree Group Limited, Nairobi, 00100, 12210, Kenya.
If you have any questions or concerns regarding our privacy notice, or if you believe our privacy notice or applicable laws relating to the protection of your personal information have not been respected, you may file a complaint with our privacy team listed above. We will respond to let you know when you can expect a further response. We may request additional details from you regarding your concerns and may need to engage or consult with other parties to investigate and address your issue. We may keep records of your request and any resolution.
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