Privacy Policy
Effective January 1, 2019
This website is owned and operated by Payload, LLC, a Delaware limited liability company. At Payload, we appreciate the trust you have placed in us. Your privacy and security are our top priorities. This Privacy Policy explains what information we collect and how we use it, and under what circumstances we may disclose the information to third parties. This Privacy Policy applies to all visitors to our website and anyone else who accesses or uses our products and services. WHEN YOU ACCESS OUR WEBSITE, YOU AGREE TO THIS PRIVACY POLICY. IF YOU DO NOT AGREE TO THIS PRIVACY POLICY, OR TO ANY CHANGES WE MAY SUBSEQUENTLY MAKE, IMMEDIATELY STOP ACCESSING OUR WEBSITE AND OUR SERVICES.
The goals of Payload are simple: to provide you with the easiest, fastest and downright best payment service possible. To accomplish this, it is necessary to collect certain personally identifiable information and to use and share your information in limited ways.
Information We Collect
Personally Identifiable Information.
Payors: When you process payments through us through use of our applications, website, and other online products and services (“Services”), we may collect and store personally identifiable information about you – such as your name, date of birth, address, e-mail address, Social Security number, telephone number, and data associated with your payment method (credit card or bank account information) – to facilitate providing services to associated merchants. We may also ask you personal identifier questions for purposes of verifying your identification. We may collect transaction and experience information, such as information necessary to any transactions with us, as well as information about our communications with you. We need this information to provide the products and services that you request from our website and to let you know of additional products and services about which you might be interested.
Payees: When you set up an account with us, we collect and store personally identifiable information about you – such as your name, address, e-mail address, Tax I.D. number, telephone number, and data associated with your payment method (credit card or bank account information) – as part of the account set-up process. We will also collect other personally identifiable information from third parties such as consumer and business credit reporting agencies as part of our due diligence and underwriting process. We may also ask you personal identifier questions for purposes of verifying your identification. We may collect transaction and experience information, and other information necessary to any transactions with us, as well as information about our communications with you. We need this information to provide the products and services that you request from our website and to let you know of additional products and services about which you might be interested.
Non-personally Identifiable Information. We automatically collect certain non-personally identifiable information when you visit our website, such as the following:
Log data: Our servers automatically record information when you use our website, such as your IP address, the type of browser you are using and its settings, the third-party website you visited immediately prior to accessing our website, the operating system you are using, the domain name of your Internet service provider, the search terms you use on our website, the specific website pages you visit, and the duration of your visits.
Cookie data: Like many websites, we use “cookies” to obtain certain types of information when your web browser accesses our website. “Cookies” are small text files that we transfer to your computer’s hard drive or your Web browser memory to enable our systems to recognize your browser and to provide convenience and other features to you, such as recognizing you as a frequent user of our website. Some of the cookies we use are associated with your account with us (including personal information about you), and other cookies are not.
We may use “session cookies” (cookies that last until you close your browser) or “persistent cookies” (cookies that last until you or your browser delete them). Examples of the information we collect and analyze from cookies include your activity on our website, including the URL you come from and go to next (whether this URL is on our site or not).
If you are concerned about the storage and use of cookies, you may be able to direct your internet browser to notify you and seek approval whenever a cookie is being sent to your Web browser or hard drive. You may also delete a cookie manually from your hard drive through your internet browser or other programs. Please note, however, that some parts of our website will not function properly or be available to you if you refuse to accept a cookie or choose to disable the acceptance of cookies.
Experience data: We may collect other information that is voluntarily provided by you from time to time if you respond to surveys, polls or questionnaires, and/or website registration forms. Such information may include personal preferences, opinions and experiences with our products and services, and may be provided anonymously.
Using and Sharing Your Information
With your consent. By using our services to conduct payment transactions or process applications, you consent to our sharing your personally identifiable information with our partners and affiliates as necessary to complete your payment transaction or application process, or to provide you the services you have registered for, or to offer additional services we think you may be interested in. In order to do so, we use the information you provide for the following purposes:
- Provide the services and customer support you request
- Process transactions and send notices about your transaction
- Send you alerts that may help you better manage your payments
- Provide you with fast or automatic payments
- Identify your service preferences
If you are a merchant, you authorize us to use your customer’s information to provide them with our services that you have selected.
With Third Party Providers. We may disclose information you furnish to selected companies that perform services for us. All of these companies act on our behalf and are obligated to keep the information confidential and use it to provide only the services we have asked them to perform. For example, in order to serve you most efficiently, credit card transactions and order fulfillment are handled by established third-party banking and processing agents. We may employ third parties to process personal information on our behalf for the installation of new software or for security testing of our systems based on our instructions and in compliance with this Privacy Policy. Under no circumstances will we rent or sell your personally identifiable information.
With Other Payload Users. To provide you with our payment services, we need to share some of your personal information with the people you are making payments to.
When we transfer our assets. As we continue to develop our business, we may sell or purchase assets. If another entity acquires us or all (or substantially all) of our assets, the personally identifiable information and non-personally identifiable information we have about you will be transferred to and used by this acquiring entity. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered an asset of ours and as such may be sold or transferred to third parties.
Where required by law. We reserve the right to disclose any personally identifiable or non-personally identifiable information about you if we are required to do so by law, with respect to copyright and other intellectual property infringement claims, or if we believe that such action is necessary to: (a) fulfill a government request; (b) conform with the requirements of the law or legal process; (c) protect or defend our legal rights or property, our website, or other customers; or (d) in an emergency to protect the health and safety of our website’s customers or the general public.
How we use email
We will email you (only as necessary) to provide you updates on this Privacy Policy or our User Agreement, to process your payments, alert you of messages, and send you payment receipts. We may send you promotions and news about the services you use or other products and services we think may be of interest to you. Aside from the foregoing, we will not contact you about any other matters, unless you specifically request it.
How we use cookies and other non-personally identifiable information
At Payload we use cookies so your Web browser remembers that you have logged in to our website while you use our services. We also use non-personally identifiable information in a variety of other ways, such as to analyze website traffic (such as aggregated information on the pages visited by our users), which allows us to improve the design and content of our website. We may use your non-personally identifiable information by itself or aggregate it with information we have obtained from others to analyze our products and services. We may also link your IP address to your personal information but only in the event that there are issues relating to the origin of a payment transaction.
Closing your account
If at any time you choose to discontinue your use of the services we provide, you should notify us and we will inactivate your account. Any data concerning your past transactions or account activity will no longer be available and will be stored in a secure manner. We are legally required to maintain a backup copy of such data for 7 years after the transaction was completed. Thereafter, the copies of data you have provided in connection with any transactions you complete through use of our products are removed from our website and securely destroyed. We do not control how our partners retain, store and destroy data that they have obtained access to from third parties such as your school district in connection with completing your transactions. You should check their websites for more information on their practices.
California Do-Not-Track Disclosures
Certain browsers may offer you the option of providing notice to websites that you do not wish for your online activities to be tracked for preference based advertising purposes (“DNT Notice”). Some browsers are, by default, set to provide a DNT Notice, whether or not that reflects your preference. Providing DNT Notice is often touted as a means to ensure that cookies, web beacons and similar technology are not used for preference based advertising purposes – that is, to restrict the collection of information your online activities for advertising purposes. Since we do not engage in targeted advertising, we do not track your online activity while on our website for those purposes.
Your California Privacy Rights:
Residents of the State of California, under certain provisions of the California Civil Code, have the right to request from companies conducting business in California a list of all third parties to which the company has disclosed certain personally identifiable information, as defined under California law during the preceding year for third party direct marketing purposes. You are limited to one request per calendar year. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. You may request the information in writing at [email protected].
Updating or Reviewing Your Information
To update your customer information (name, address, telephone number, banking information, and email address), please contact us at the address below. A limited amount of transaction history may also be available to you at your request. To protect your privacy and to comply with federal regulations, we will need to verify your identity before you update or review your information.
Data Security Measures
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any personal information will be encrypted using SSL technology.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.
Children Under 13
We have no way of distinguishing the age of individuals who access our website. The features, programs, promotions and other aspects of our website requiring the submission of personally identifiable information are not intended for children. We do not knowingly collect personally identifiable information from children under the age of 13. If you are a parent or guardian of a child under the age of 13 and believe he or she has disclosed personally identifiable information to us please contact us at [email protected]. A parent or guardian of a child under the age of 13 may review and request deletion of such child’s personally identifiable information as well as prohibit the use thereof, and also we carry out the same Privacy Statement.
Policy Changes
If our data privacy and information security practices change, we will post these changes on our website and we may notify you by email. We encourage you to review our Privacy Policy periodically. Your continued use of our services following a change in our privacy practices indicates your consent to those changes.
Contact Us
Contact us if: (a) you have questions or comments about our Privacy Policy; (b) wish to view or make corrections to any personally identifiable information you have provided; (c) want to opt-out from receiving future commercial correspondence, including emails, from us or our affiliated companies; or (d) wish to close your account. We will respond to your request and, if applicable and appropriate, make the requested change in our active databases as soon as reasonably practicable. Keep in mind, however, that residual information may remain within our databases, access logs and other records for a limited time, as may be required by applicable laws and regulations, which may or may not contain your personally identifiable information. Please also note that we may not be able to fulfill certain requests while allowing you access to certain benefits and features of our website. We are always interested in your privacy-related questions or concerns. You may contact us as follows: