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Payjo Privacy Policy

In this Privacy Policy, “Payjo”, “us”, “we” and “our” refers to Payjo, Inc.

Payjo is committed to protecting your privacy. This privacy statement explains Payjo’ data collection and use practices. By accessing this site, you agree to the terms of this Privacy Policy. This policy does not override any terms directly established between you and Payjo.

Payjo International Compliance

This Privacy Policy also explains how we will store your information in the United States, in the European Economic Area (EEA), and in other locations outside of the EEA. Any transfer of your data to the United States or another location outside the European Economic Area will be in compliance with applicable European data protection laws and in respect of transfers to the United States comply with the E.U. – U.S. Privacy Shield Framework, details of which are set out below.

Collection and Use of Information

Parts of this website may invite you to register for product demos, events, download white papers or literature, or obtain more information. Payjo collects the email addresses of those who communicate via email, as well as information volunteered by consumers, such as information requests and/or site registrations. Under no circumstances will any information provided to Payjo be sold or rented to a third party without your prior consent. Payjo may use your contact information to send you company and product information that you requested, and for marketing analysis of Payjo’ website traffic.

This site may use technology that lets Payjo collect certain technical information, such as IP addresses, browser types, traffic patterns and the address of any referring websites, and uses HTTP cookies for systems administration. However, if you do not wish to receive cookies, or want to be notified of when they are placed, you may set your Web browser to do so, if your browser so permits.

Payjo may monitor how a visitor arrives at the website, but cannot and will not gather information about other sites you have been to. Payjo does not link IP addresses to anything personally identifiable.

Use of Personal Information

Payjo may use your personal information for the following purposes:

  • To make the site easier for you to use by entering your personal information only once;
  • To provide information to allow Payjo to create and publish content most relevant to its customers; and
  • To alert its customers to product upgrades, special offers, updated information and other new products and services.

You may remove your name from any Payjo distribution list by clicking on a link provided within each electronic communication, or by replying to the email with the subject line “unsubscribe”.

If you supply Payjo with your telephone number online, you may receive telephone contact from us with information our products, product updates, services or upcoming events. If you do not wish to receive such telephone calls, please let us know by calling the telephone number below.

Links to Other Sites

Payjo website may provide links that can take you to other web sites, which may include our partner web sites. You should review the privacy and other policies at third party sites you visit, since those sites are not bound by Payjo’s privacy policy, and Payjo has no control over the content of these other sites, nor the usage of information they gather.

This Privacy Policy covers the privacy practices by Payjo, and does not cover the privacy practices of third party websites or features. Payjo is not responsible for the privacy policies and/or practices of third parties.

Legal Compliance

We reserve the right to access and disclose your information when we believe in good faith that such disclosure is necessary to: (a) enforce legal rights and comply with the law; (b) comply with an order from a government entity or other competent authority, (c) prevent or address potential or actual injury or interference with our rights, property, operations, users or others who may be harmed or may suffer loss or damage; (d) protect our rights, prevent fraud and/or comply with judicial proceeding, court order, or legal process served on Payjo.

Law Enforcement

Under certain circumstances, we may be required to disclose your information to government or law enforcement officials in response to a lawful request by a public authority or if we have to do so to comply with a legal obligation, including to meet national security or law enforcement requirements. We can also disclose your information in order to apply or enforce our terms and conditions or to respond to any claims, to protect our rights or the rights of a third party, to protect the safety of any person or to prevent or prevent any illegal activity (including for the purposes of fraud protection and credit risk reduction).

You will be notified when any identifying information about you is collected or shared by any third party that is not our service provider, so you can make an informed choice as to whether to share your information with that party. If you do not wish to have your information shared and want to opt out from receiving further communications from any third party that is not our agent or service provider, please contact that third party directly.

Security

Protecting your privacy and your information is a top priority at Payjo. Payjo has taken appropriate measures to prevent the loss, misuse and alteration of your information (including as required by the Privacy Shield (described below). Once Payjo receives information that is entered into its web site, it is stored behind a firewall. All Payjo employees are aware of the company’s privacy and security policies. Your information is only accessible to those employees who need it in order to perform their jobs.

Privacy Shield – EU – US Data Transfers

If you are located inside the EU and provide personal data to us, Payjo may transfer your personal data to the United States with your prior permission and process it in the United States in accordance with this Privacy Policy.

Our Obligations to you under the Privacy Shield

Payjo complies with the EU-U.S Privacy Shield Framework (“Privacy Shield”) as set forth by the U.S. Department of Commerce and approved by the European Commission regarding the collection, use, and retention of personal information Payjo may receive from European Union member countries.

Payjo has certified that it adheres to the following Privacy Shield Principles of (1) Notice; (2) Choice; (3) Accountability for Onward Transfer; (4) Security; (5) Data Integrity and Purpose Limitation; (6) Access; and (7) Recourse, Enforcement and Liability in respect of any personal data received from the European Union.

If there is any conflict between the policies in this Privacy Policy and the Privacy Shield Principles, the Privacy Shield Principles shall take priority.

To learn more about the Privacy Shield program, please visit https://www.privacyshield.gov/

Accountability and Liability for Onward Transfer

Payjo is required to take certain steps when transferring personal data received from the European Union to third parties (such as including contractual provisions in our third party contracts which require them to provide the same level of protection the Privacy Shield requires and limiting their use of the data to the specified services provided on our behalf).

We take reasonable and appropriate steps to ensure that third parties process personal data in accordance with our Privacy Shield obligations and to stop and remediate any unauthorised processing.

Under certain circumstances, we may remain liable for the acts of third parties who perform services on our behalf in connection with their handling of personal data that we transfer to them (including where we transfer personal data to them pursuant to the Privacy Shield).

Privacy Complaints Handling, Recourse and Enforcement

In compliance with the Privacy Shield Principles, Payjo commits to resolve complaints about your privacy and our collection or use of your personal information (without charge to you). European Union individuals with inquiries or complaints regarding this Privacy Policy should first contact us at:

privacypolicy@payjo.co

We will respond to any complaints as soon as possible and within 45 days.

You may also refer a complaint to your local data protection authority and we will work with them to resolve your concerns.

Please note that if your complaint is not resolved through these channels, in certain limited circumstances, a binding arbitration option may be available provided that you have taken the following steps: (1) raised your compliant directly to us using the contact details above and provided us the opportunity to resolve the issue; and (2) raised the issue through the relevant data protection authority and allowed the U.S Department of Commerce an opportunity to resolve the complaint at no cost to you. For further information on your option to select binding arbitration see Annex I of the Privacy Shield Principles located at: https://www.privacyshield.gov/article?id=ANNEX-I-introduction.

Payjo is subject to the investigatory and enforcement powers of the Federal Trade Commission in the case of any failure to comply with the Privacy Shield.

Access to information

You have the right to access the personal data we collect about you in the EEA and to request that we correct, amend, or delete it if it is inaccurate or processed in violation of the Privacy Shield. These access rights may not apply in some cases, including where we must comply with legal requirements or if providing access is unreasonably burdensome or expensive under the circumstances or where it would violate the rights of someone other than the individual requesting access.

If you would like to request access to, correction, or deletion of your personal data collected in the EEA, you can submit a written request using the contact information provided below. We may request specific information from you in order to confirm your identity. In some circumstances, we may charge a reasonable fee for access to your information.

Processing information for our customers and GDPR:

Where we process personal information in connection with the provision of our software products and solutions to our enterprise customers, we only collect, process and store personal information to support and provide those solutions. We act as data processors on behalf of our customers and do not use such information for our own purposes. You should refer to the agreements governing your use of those solutions with such enterprises to find out more about how your data is being used by them.

Payjo as Data Processor

Payjo solutions provide AI banking assistance to its customers’ customers. As part of the solution, Payjo products may capture personal data (name, contact info, etc) to track the records entered into the system from an authentication and authorization perspective. In this capacity, Payjo acts as a data processor on behalf of its customers.

As a data processor, Payjo has put in place appropriate technical and organizational measures to help ensure that its processing activities meet the requirements of GDPR, some of which we have described in this statement.

Payjo has implemented various security measures including controls and application and network level security audits as well as robust standard operating procedures to manage any security incident in collaboration with the customer.

Payjo has self-certified under the EU-U.S Privacy Shield Framework (“Privacy Shield”) as set forth by the U.S. Department of Commerce and approved by the European Commission regarding the collection, use, and retention of personal information Payjo may receive from the European Union.

Payjo is committed to ensuring that it has data transfer and data management mechanisms in place as required by the GDPR.  Further, we adhere to all necessary controls to protect customer data.

Modifications

Payjo may, in its discretion, alter or add to this Privacy Policy. You should check this part of Payjo’ Web periodically to determine if there has been a change. If we make material changes to this Privacy Policy, we will notify you here, by email, or by means of a notice on our home page.

General

This Privacy Policy reflects Payjo’ internal guidelines, and is not a contract.

Payjo Contact Information

Questions regarding this policy and any requests to access or modify data should be directed to our data privacy team at the following email address: privacypolicy@payjo.co

Or you can phone, mail to:

Payjo, Inc.
55 E 3rd Ave, 94401 San Mateo, United States

Phone: +1 650 449 6285

Email: privacypolicy@payjo.co