(Updated December 4, 2013)
What Personal Information does 4PAY collect when you use the Services?
What Personal Information does 4PAY disclose and to whom?
4PAY cannot provide the Services unless 4PAY and Vendors, Card Issuers, Payment Processors, and Financial Institutions have access to Personal Information. For example, when you make or accept a Mobile Payment the Vendor communicates the transaction to the Card Issuer and the Payment Processor and the Card Issuer and the Payment Processor accept and confirm it. Card Issuers uses Personal Information (including your transaction history with the Card Issuer) when they bill you or provide you with a statement or report of your transaction activity. Payment Processors use Personal Information to provide payment processing services in connection with Mobile Payments. Financial Institutions use Personal Information in connection with merchant bank activities and services. Vendors that accept Mobile Payments will have access to your transaction history with that Vendor. By opening a 4PAY Account, you consent to all of the forgoing disclosure and sharing of Personal Information.
4PAY may use Personal Information to verify your identity, communicate with you regarding your 4PAY Account, to investigate or prevent fraud and illegal activities, to conduct user research and surveys, and to provide you with technical notices, security alerts, and other information concerning the Services and new features or updates of the Services. Provided that you consent to participate in certain programs, the Services may include offers of loyalty programs, promotions, incentives, rewards, credits, coupons, and contests that 4PAY may communicate to you on behalf of itself, Vendors, or Card Issuers or Vendors may communicate to you on behalf of themselves. You will be provided with the details of these programs or offers either when you open your 4PAY Account, first make or accept a Mobile Payment, or at some other time; the details will include the manner in which you communicate to 4PAY your consent to participate or not participate in a program or offer.
By opening a 4PAY Account, you acknowledge and agree that 4PAY, Vendors, Card Issuers, Payment Processors, and Financial Institutions will have access to your Personal Information. 4PAY does not disclose or allow access to your Personal Information to third parties other than (1) Vendors, Card Issuers, Payment Processors, and Financial Institutions, and (2) parties contracted by or otherwise affiliated or associated with 4PAY (collectively “4PAY Contractors”) that provide products or services to 4PAY in connection with the Services, which latter disclosure and access are limited to what is reasonably necessary or desirable to provide, maintain, and improve the functionality and content of the Services.
4PAY cannot guarantee or warrant that Vendors, Card Issuers, Payment Processors, Financial Institutions, or 4PAY Contractors will not use some or all of your Personal Information for purposes other than implementing a Mobile Payment or performing another task in connection with the Services. In particular, 4PAY does not and cannot control what Vendors, Card Issuers, Payment Processors, Financial Institutions, and 4PAY Contractors do with your Personal Information, such as using it for direct marketing purposes. 4PAY cannot guarantee or warrant that a breach of security that results in disclosure of some or all of your Personal Information will not occur at 4PAY, a Vendor, a Card Issuer, a Payment Processor, a Financial Institution, or a 4PAY Contractor. 4PAY cannot guaranty that your Personal Information is impervious to all breaches of security through interception, hacking, or other means.
To the extent required by applicable law, such as by order or authority of a governmental regulatory authority, or in connection with a subpoena issued in a legal proceeding, 4PAY will disclose your Personal Information in order to comply with the law. 4PAY may maintain records of your Personal Information associated with your use of the Services, even after your 4PAY Account is closed, for as long as several years to comply with federal and provincial laws and regulations, including anti-money laundering laws. Card Issuers and Financial Institutions also may require record retention for extended periods. 4PAY may confirm some of your Personal Information with third parties, or use it to comply with governmental regulatory requirements to prevent fraud and money laundering.
How can you limit (opt-out of) sharing of your Personal Information?
If 4PAY changes its policies to allow sharing of or access to your Personal Information for direct marketing purposes with third-parties that have no association with the Services, 4PAY will notify you of the change either by posting the new policy on 4PAY’s Website or by sending you an e-mail at the e-mail address you use in connection with your 4PAY Account. If you wish, you will be able to opt-out of this sharing and access by contacting 4PAY’s Customer Support Department by e-mail at firstname.lastname@example.org.
How can those of you who use the Services as consumers limit (opt-out of) sharing of your Personal Information?
With regard to those of you who use the Services as consumers (not merchants), when you open your 4PAY Account (1) you will be asked whether you wish to participate in Vendor loyalty programs or to receive offers of promotions, incentives, rewards, credits, and contests from 4PAY, Vendors, and Card Issuers, and you will have the opportunity to accept or decline at that time, and (2) you will automatically be deemed to have consented to receive coupon offers from Vendors. If you initially elected or are deemed to have elected to participate in such programs or accept such offers, you can later opt-out of them by contacting 4PAY by e-mail at support@4PAY.CA You also can opt-out of them by logging into your 4PAY Account via 4PAY’s Website or 4PAY Wallet:
- To opt-out of coupon offers or loyalty programs via 4PAY’s Website, click on the “Coupons” or “Loyalty” tabs, as applicable, and select the coupon offers and loyalty programs that you wish to opt-out of. In turn, you can also opt-in through the same method.
- To opt-out of coupon offers via 4PAY Wallet, go to the “Coupons” section in the Settings menu and deselect all the types of coupons that you wish to opt-out of. In turn, you can also opt-in through the same method.
- To opt-out of loyalty programs via 4PAY Wallet, go to the sidebar menu and delete the loyalty programs you wish to opt-out of. In turn, you can also opt-in through the same method.
If you initially declined to participate in loyalty programs or coupon offers, you can later elect to participate in them by following the aforementioned instructions or contacting 4PAY by e-mail at email@example.com.
How does 4PAY protect the security of your Personal Information?
4PAY maintains reasonable physical, electronic, and procedural safeguards to protect the security of your Personal Information. These safeguards include encrypted storage of some of your Personal Information and limiting third-party decryption of Personal Information to that which is reasonably desirable or appropriate for 4PAY, Vendors, Card Issuers, Payment Processors, and 4PAY Contractors to provide the Services. 4PAY uses firewalls and other security technology to protect its network and systems from external attack, and by requiring you to enter a unique username, password and PIN to access or update your Personal Information. All users must enter their PIN when confirming changes to their Personal Information or executing transactions. Vendors agree with 4PAY to employ certain security measures and meet certain security standards, but 4PAY cannot and does not warrant that Vendors will do so.
Does 4PAY use “cookies”?
A “cookie” is a small data file that a website can send to your web browser and store on your computer or Mobile Device. 4PAY uses a cookie only for the purpose of identifying the language (e.g., English) that you have selected for your browser sessions on your computer or Mobile Device. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to use all the features of the Services or the 4PAY Website. If you wish to uninstall any 4PAY application, you can do so as you would uninstall any other application that you have installed on your computer or Mobile Device. However, removing a 4PAY application does not close your 4PAY Account. If you wish assistance with regard to cookies or closing your 4PAY Account, you may contact 4PAY’s Customer Support Department by e-mail at firstname.lastname@example.org.
How can you access and update your Personal Information?
You can access your Personal Information by logging on to 4PAY’s Website (www.4PAY.CA) with your computer or Mobile Device using your username, password, and PIN. You can update the following Personal Information: Device(s) used; and debit and/or credit cards used. It is important to keep your Personal Information current and accurate. At 4PAY’s “Home” page, click on the “Sign In” button and select the information you want to update. You can contact 4PAY regarding any questions that you may have regarding your privacy by clicking on the “Contact” button at the top 4PAY’s “Home” page. You also may contact 4PAY’s Customer Support Department by e-mail at email@example.com.
How can consumers share information about their 4PAY experience via social media?
Consumers can share information about their 4PAY experience via their Twitter and Facebook accounts. First, you must login into your 4PAY Account via 4PAY Wallet and then go to the “Receipts” section. Select the receipt of the transaction that you wish to share information about and then select the “Share” button. You can then choose whether you want use your Twitter or Facebook account and in turn share a personalized post about your 4PAY experience at that merchant. You acknowledge that any information that you post in this manner via Twitter and Facebook is not Personal Information.