Effective July 1, 2020
We appreciate your preference for making informed choices when it comes to the collection and use of information about you. This notice (our “Privacy Policy”) tells you about our collection of information about you through this website. Our Privacy Policy also tells you about the use and disclosure of that information.
Personal data, or personal information, means any information about an individual from which that person can be identified. It does not include information where the identity has been removed (anonymous data).
To help describe the types of personal data we possibly could collect, we have grouped those types together in the list below. The listing here does not mean that we have or will collect this type of information about you.
We do not collect any of the following:
We collect information from four main sources.
When any of the four sources interact with our website, email servers, fax machines, or telephone systems, we automatically collect Technical and Usage Data. On our website, we collect data about equipment, browsing actions, and patterns by using cookies, server logs and other similar technologies. In our email servers, we collect data about who transmitted the email to us and how. In our fax machines and telephone systems, we collect data including the telephone number transmitting to us.
We collect some data from Visitors, meaning people who:
Examples of Visitors' activities from which we collect data include subscribing to our publications; requesting marketing materials to be sent to you; entering a competition, promotion, or survey; or giving us feedback.
We collect some data from Customers, meaning people who:
Examples of Customers' activities from which we collect data include registering to receive services, providing payment information for billing, and identifying users who can order services.
We collect some data from Accounts, meaning people about whom we are performing services. Examples of Accounts' activities from which we collect data include completing forms about themselves, acknowledging disclosures and notices, requesting disclosure of information in our files, and requesting a reinvestigation of that information.
We collect some information from Furnishers, meaning people who:
Examples of Furnishers' activities from which we collect data include providing marketing leads; providing information establishing the legitimacy of prospective Customers; processing of payments from Customers; verifying the information of Accounts; providing summaries of public records about Accounts; and providing credit reports about Accounts. Most of our services involve us obtaining information from Furnishers, so there are Furnisher activities that are specific to each of our services.
When you visit this website, the website automatically collects Technical Data in server logs and Technical Data and Usage Data through cookies, web beacons and other technologies.
When you visit this website, the website places one or more text files (each called a “cookie”) in the browser directory of your computer's hard drive. A cookie is a small piece of information that a website can store on your web browser and later retrieve. The typical information that cookies store includes the date and time of your visit, your registration information, and your navigational and purchase activity. Our website uses the cookies to identify your computer consistently as you navigate through the website and to control what it displays to you. Most browsers allow you to decline cookies. But if you decline cookies, the website may not operate properly. Our website does not currently recognize “do not track” signals transmitted by web browsers. You are free to delete cookies after your session. Your browser should contain instructions on how to do this.
We use Google Ads. As you navigate to this website from Google Ads, the website may place advertising cookies on your computer. These advertising cookies identify your computer as one that has visited the website. When you visit another site that has an agreement with our advertising network, the other site will use the cookie to display our advertisements to you on the other site. This does not involve collecting personal data about you such as your name, email address, postal address or telephone number. Google makes available a number of ways to control this at https://support.google.com/ads/answer/2662922?hl=en. Additionally, the National Advertising Initiative makes available a tool to opt out of multiple advertising networks at http://optout.networkadvertising.org/.
We use Google Analytics to help us analyze the use of our own website. You can find more information about what data gets collected and used at this website: https://policies.google.com/technologies/partner-sites.
When you interact with us through email, we may collect Technical and Usage Data through pixel tags and other technologies.
We do not intend to collect personal data from anyone under the age of 18. If you are under 18, you should not enter information on this website and should ask a parent to do so for you.
We generally collect information on two types of individuals:
First, we collect information on Users, meaning individuals who interact with us. In the table below, the User column indicates whether we collect information about the User as the user with whom we are interacting, rather than as the Account.
Second, we collect information on Account Holders, meaning individuals who are associated with the Accounts. In the table below, the Holder column indicates whether we collect information about the Holder associated with the Account, rather than as the User with whom we are interacting.
When the source of data is the Account, the User and the Holder are the same person:
In that case, we indicate in the User column the types of data that we collect primarily for the purpose of interacting with the User and we indicate in the Holder column the types of data that we collect mainly for the purpose of using or providing it in the performance of services for our customer.
Data Type |
User |
Holder |
Identity Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
Yes, if supplied by Account, Customer, or Furnisher |
Contact Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
Yes, if supplied by Account, Customer, or Furnisher |
Financial Data |
Yes, if supplied by Customer or Furnisher |
Yes, if supplied by Account, Customer, or Furnisher |
Technical Data |
Yes, automatic if electronic interaction |
Yes, automatic |
Characteristic Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
Yes, if supplied by Customer, Account, or Furnisher |
Transactional Data |
Yes, automatic |
Yes, automatic |
Credit Data |
No |
Yes, if supplied by Customer, Account, or Furnisher |
Biometric Data |
No |
Yes, if supplied by Customer, Account, or Furnisher |
Profile Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
No |
Usage Data |
Yes, automatic |
Yes, automatic |
Communications Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
Yes, if supplied by Customer or Account |
Organization Data |
Yes, if supplied by Visitor, Customer, Account, or Furnisher |
Yes, if supplied by Customer, Account, or Furnisher |
Professional Data |
No |
Yes, if supplied by Customer, Account, or Furnisher |
Education Data |
No |
Yes, if supplied by Customer, Account, or Furnisher |
Public-record Data |
No |
Yes, if supplied by Customer, Account, or Furnisher |
Predictive Data |
No |
Yes, if supplied by Customer or Furnisher or generated internally |
Where we need to collect personal data by law or under the terms of a contract we have with you and you fail to provide that data when requested, we may not be able to perform the contract we have or are trying to enter into with you (for example, to provide you with services). In this case, we may have to cancel a service you have with us but we will inform you if this is the case at the time.
Where we need to collect personal data about you in order to provide a service to our customer and you fail to provide that data when requested, we may not be able to provide that service to our customer. If we are unable to provide that service, then our customer might not grant you whatever benefit you were seeking that caused the customer to obtain services from us.
We use personal data about you when we have one of the following lawful bases:
Note that we may process personal data for more than one lawful basis depending on the specific purpose for which we are using personal data about you.
We have set out below, in a table format, a description of the ways we plan to use personal data, and which of the legal bases we rely on to do so. We have also identified what our legitimate interests are where appropriate.
Purpose/Activity |
Type of data |
Basis for use |
To register you as a new customer |
Identity Contact Technical Organization |
Contract Requirement Consent |
To register you as a representative of a customer |
Identity Contact Organization |
Contract Requirement Legitimate Interest (to treat you as a representative of our customer) Consent Consent |
To deliver our software services to you as a representative of our customer |
Identity Contact Technical Transactional Communications Organization |
Contract Requirement Legitimate Interest (to deliver services to our customer, for whom you are a representative) Consent |
To process customer payments in our software services, including:
|
Identity Contact Financial Technical Transactional Communications Organization |
Contract Requirement Legitimate Interest (to recover debts due to us) Consent |
To manage our relationship with you, including:
|
Identity Contact Characteristic Profile Usage Communications Organization |
Contract Requirement Legal Requirement Legitimate Interest (to keep our records updated and to study how customers use our services) Consent |
To enable you to take part in a drawing, competition, or survey |
Identity Contact Characteristic Profile Usage Communications Organization |
Contract Requirement Legitimate Interest (to study how customers use our services, develop them, and grow our business) Consent |
To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) |
Identity Contact Technical Transactional Profile Usage Communications Organization |
Legitimate Interest (to run our business, obtain administration services, manage information technology, assure security, prevent fraud, and conduct business reorganizations or group restructurings) Legal Requirement Consent |
To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you |
Identity Contact Technical Characteristic Profile Usage Communications Organization |
Legitimate Interest (to study how customers use our services, develop them, grow our business, and inform our strategy) Consent |
To use data analytics to improve our website, services, marketing, customer relationships and experiences |
Technical Profile Usage Communications |
Legitimate Interest (to define types of customers for our services, keep our website updated and relevant, develop our business, and inform our strategy) Consent |
To make suggestions and recommendations to you about services that may be of interest to you |
Identity Contact Technical Characteristic Transactional Profile Usage Communications |
Legitimate Interest (to develop our services and grow our business) Consent |
To provide you disclosures or notices about services or to obtain your authorization or consent to services |
Identity Contact Technical Characteristic Transactional Usage Communications |
Legitimate Interest (to provide information or to obtain permission on our customers' behalf) Legal Requirement Consent |
To provide software services that are about you to a user of those services |
Identity Contact Characteristic Credit Biometric Professional Education Public-record Predictive |
Legitimate Interest (to perform services that are legally permitted for our customers) Legal Authority Consent |
To provide software services that are about you to another provider of those services, for its use in providing those services to its users |
Identity Contact Characteristic Biometric Professional Education Public-record |
Legitimate Interest (to perform services that are legally permitted for our customers) Legal Authority Consent |
To permit reinvestigation or verification of information on your request |
Identity Contact Characteristic Biometric Communications Professional Education Public-record Predictive |
Legitimate Interest (to assure that records are correct, correct or delete information, and prevent recurrence of future incorrect information) Legal Authority Consent |
Certain laws require us to do something if the purpose of our use changes. (For example, it might require us to get your consent or give you notice.) This section applies only to the extent that those laws apply to you and the data.
If we want to use personal data about you for a purpose other than the purpose for which we collected it, we will consider whether that purpose is compatible with the original purpose. If the purpose is compatible, we will use the personal data for that additional purpose. If you want to get an explanation about how the additional purpose is compatible with the original purpose, please contact us by email (at the email address shown in contact details below). If the additional purpose is not compatible but we have a legal basis for using the personal data anyway, we will inform you and we will explain the legal basis which allows us to use the personal data for the additional purpose.
Please note that our software service may be used to process personal data about you without your knowledge or consent, in compliance with the above rules, where this is required or permitted by law.
We provide you with choices regarding certain uses of personal data about you, particularly around marketing and advertising. We have established the following personal data control mechanisms:
We may use your Identity, Contact, Characteristic, Technical, Usage and Profile Data to form a view on what we think you may want or need, or what may be of interest to you. This is how we decide which products, services and offers may be relevant for you (we call this marketing). You will receive marketing communications from us if you have requested information from us or purchased services from us or if you provided us with your details when you entered a competition or registered for a promotion and, in each case, you have not opted out of receiving that marketing.
We will get your express opt-in consent before we share personal data about you with any outside organization for their marketing purposes (this does not apply to service providers who are assisting us with our own marketing, whom we use to send emails on our behalf and manage your opt-out preferences in response to them.)
You can ask us or our service providers to stop sending you marketing messages at any time by logging into the website and checking or unchecking relevant boxes to adjust your marketing preferences or by following the opt-out links on any marketing message sent to you. If you continue to receive marketing messages from us more than a few days after opting out, please contact us at support@payready.com. Where you opt out of receiving these marketing messages, this will not apply to personal data provided to us as a result of the services you purchase from us or that our customers purchase from us about you.
We may share personal data about you with the parties set out below for the purposes set out in the table above about how we plan to use personal data about you.
The following is information organized in a way that the California Consumer Privacy Act (the “CCPA”) requires us to supply. It only applies to you if you live in California, though out of an abundance of caution we are applying it to the entire United States. This table has the following information in it:
Type of Data |
Sold? |
Disclosed? |
Consumer Reporting? |
Identity |
No |
Yes |
Yes |
Contact |
No |
Yes |
No |
Financial |
No |
Yes |
Yes |
Technical |
No |
Yes |
No |
Characteristic |
No |
Yes |
Yes |
Transactional |
No |
Yes |
No |
Credit |
No |
Yes |
Yes |
Biometric |
No |
Yes |
Yes |
Profile |
No |
Yes |
No |
Usage |
No |
Yes |
No |
Communications |
No |
Yes |
No |
Organization |
No |
Yes |
No |
Professional |
No |
Yes |
Yes |
Public-record |
No |
Yes |
Yes |
Predictive |
No |
Yes |
Yes |
Additionally, California law defines the term “sell” to include any disclosure of “personal information” in exchange for anything of value. Depending on how this law is interpreted, it could include a situation in which we provide your information to another organization so that it can do something with the information for us. Because we receive the benefit of that processing, which is of value to us, any such relationship might be the sale of personal data. Therefore, we hereby notify you that we may sell personal data about you to the extent that the term “sell” is interpreted in that manner.
This website may provide links to third-party websites. Those third-party websites are outside of our control and are not covered by this Privacy Policy. The privacy policies and practices of these sites may be different from ours. We do not control them and assume no responsibility for them. If you have questions about how another website uses your information, consult that website's privacy statement.
We (and anyone to whom we disclose information) may store, access, disclose, and use information in jurisdictions whose privacy laws are different and less protective than those of your home jurisdiction.
We are committed to protecting the personal data that we receive. While we cannot guarantee the security of that data, we utilize a combination of online and offline security technologies, procedures and organizational measures to help safeguard consumer information against loss, misuse, and unauthorized access, disclosure, alteration and destruction.
We employ Secure Socket Layer (SSL) data encryption when data is transmitted over the Internet to our website. We have installed layered firewalls and other security technologies to help prevent unauthorized access to our systems. Strong password protection protocols are used on our employees' computers, and employees are regularly trained on our security and privacy policies. The servers used to store consumer information are maintained in a secure physical environment with appropriate physical security measures.
If you would like to obtain disclosure of or dispute information that we have included, have provided for inclusion, might later include, or might later provide for inclusion in a consumer report, please contact us as set out in the contact details below.
Under certain circumstances, you have rights under data protection laws in relation to personal data about you. Please see below for specific rights that may apply to your location. If you wish to exercise any of those rights, please contact us as set out in the contact details below.
Please note that we may need to retain certain information for recordkeeping and risk management purposes, including but not limited to compliance with laws relating to anti-money laundering and counter-terrorist financing, and/or to complete any transactions.
California Consumer Privacy Act Notice
The California Consumer Privacy Act provides you certain rights if you are a California resident. But the CCPA also has exceptions. Generally, our business falls within those exceptions, and the CCPA does not apply. But if you want disclosure or correction of information that we hold about you within these parts of our business, you can still request a disclosure or reinvestigation from us. Information about how to do so is available by contacting us as set out in the contact details below.
You have the following rights if you are a California resident:
You may make a request under the CCPA by emailing us at support@payready.com or calling us toll free at 855-857-8164. You must include the following information: your full name; all physical addresses we may have associated with you; all email addresses we may have associated with you; all telephone numbers we may have associated with you; all housing providers we may have associated with you. If you are requesting that we disclose, correct, or delete specific personal data information to you (as opposed to disclosing categories of personal data), you must also provide a legible image of a government-issued ID. You may hide the identification number and photo from that ID, but you must not hide the name or address shown on it. We will use the information you supply to identify relevant information in our systems. If you want us to disclose the information to an agent, you must say so in writing and provide us with the mailing address of the agent.
Do Not Sell My Personal Information
To opt out of our sale of information to the extent required under the California Consumer Privacy Act (the “CCPA”), please send an email tosupport@payready.com:
Personal Information Disclosure: United States or Overseas
This is a disclosure under California law, applicable only to the extent that law applies.
Our services are controlled and operated by us from the United States and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Your personal information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using or accepting our services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your personal information.
Additionally, we may use contractors located outside the United States to perform functions that our own employees also perform, such as public records research; employment, education, and license verification; and customer service.
We may change our Privacy Policy at any time, but will not do so without posting the revised policy on this website. We encourage you to review this Privacy Policy whenever you visit our website to make sure you understand how we use the information we collect.
For more information about our privacy practices or policies, please contact our Support Team by:
Email at support@payready.com; or
Pay Ready, Inc.
ATTN: Privacy
5811 McFadden Ave
Huntington Beach Ca 92649