Welcome to OpenPymts

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The personal information provided to, or gathered by OpenPymts is controlled by OpenPymts ("we", "our", or "us"). We take your privacy seriously but if you have any concern about providing information to us or having such information displayed on the OpenPymts services or otherwise used in any manner permitted in this Privacy Policy and the Services Agreement, you should not become a Member of OpenPymts or visit our website. When an account is created with us, the information provided (including your name, email address, and password) that we use to give you a personalized and relevant experience on OpenPymts. We encourage you to periodically review this page for the latest information on our privacy practices.

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Personal Information We Collect

 

Information that We Collect from You

 

When you sign up for a OpenPymts account or register as a OpenPymts User, we collect contact and identifying information about you, including but not limited to: your name; billing address; phone number; email; Tax Identification Number or Social Security Number (collectively, “TIN”); date of birth (natural persons); government-issued identification (natural persons); and Organization information, including company name and address, formation documents, business license, tax documents, phone number and business email address. We require you to choose a strong password, and may require you to provide device information to receive multi-factor authentication. We collect information from you when you use the Service, contact us for support, or provide us with feedback on the Service. As we introduce new products, services or features, we may collect new and different types of information from you when you use the Service or contact OpenPymts in connection with your account.

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Financial information. When you use the OpenPymts Service to make or receive payments, we collect certain financial information from you, such as bank routing and account information, including bank statements and verification of bank account ownership, and/or a credit or debit card to bill Service Fees. We may also collect information to verify financial condition and creditworthiness.

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Information about your Customers and Vendors. We may collect information from you about your Customers and Vendors, including but not limited to name, address, email address, phone number, TIN, and financial information, based on your use of the Service and payment instructions.

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Payment transaction information. When you request, make, receive, record, or otherwise process a payment through the OpenPymts Service, we collect information about the payment transaction and the transacting parties, such as the date, time and location(s) of the transaction, identifying information of the sender and recipient, the payment or transfer amount(s), bank account information for the sender and/or recipient, a description of the transaction, and the Service Fees charged by OpenPymts.

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Feedback. We collect information that you choose to provide to us in connection with your feedback about OpenPymts or the OpenPymts Service, including through your use of the OpenPymts Service or your participation in OpenPymts Marketing.

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Online forms. We collect the information that you provide to us through online forms, including but not limited to forms on our Website or social media forms, such as OpenPymts webinar sign-up forms or LinkedIn forms.

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OpenPymts marketing participant information. We collect the information that you provide voluntarily in connection with your participation in OpenPymts Marketing, including but not limited to engagement at event booths, sweepstakes, contests, promotions, surveys, and referrals.

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Information We Collect from Your Use of the OpenPymts Service

 

We collect information about your device when you install, access, or use the OpenPymts Service on that device. The device information that we collect may include IP address, hardware model, operating system information, OpenPymts app version, browser information, and mobile network. Your device may also allow us to collect and use information received through device-based settings, such as access to your contacts, camera, or photos, based on your settings.

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Geolocation information. When you use the Service, we collect the location of the device that you are using to access OpenPymts.

How you interact with the OpenPymts Services. We collect information about how you access and use the Service, including but not limited to: your IP address; the domain name of the Internet Service Provider you use; and the date(s) and time(s) you access the Service; the pages you access and view; any term(s) you search; and the individual address of the device that you use to interact with the OpenPymts Service. 

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Information from third parties you choose to interact with through OpenPymts. We collect information about you from third parties with whom you interact through the OpenPymts Service, including but not limited to your Vendors or Customers. We may also collect information about you from third party services that are supported by, or sync or integrate with the Service, including but not limited to third-party data entry services or accounting software providers. 

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Information We Collect about You from Third Parties

 

We collect information about you from third parties as required and permitted by law, including but not limited to for purposes of verifying your identity and/or complying with anti-money laundering and anti-terrorism financing laws, “know your customer” regulations, and OFAC sanctions requirements. 

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Compliance and fraud. We collect information about you from third parties for purposes of fraud detection and prevention, in connection with certain types of investigations, or as otherwise permitted by law to ensure the safety and security of the Service. 

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Address and Organization information. We collect information about you or your Organization from commercially available sources to ensure your account information, for example your address, is accurate and up-to-date.

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Marketing. We collect information about current and prospective users of the Service from third party services, including but not limited to lead generation services and providers of customer and lead data, as well as enriched data about visitors to our Website, all as permitted by law.

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Use of Personal Information

 

We generally use your Personal Information for the following purposes, and otherwise with your consent or as permitted or required by applicable law:

• processing transactions that you have submitted and displaying your account history to you;

• improving the performance and utility of our platform;

• generally managing and administering our business;

• preventing and prosecuting fraud; and

• meeting legal, regulatory, insurance and security requirements.

• use cookies and similar technologies to help us recognize you, improve your OpenPymts experience, increase security, measure use of our Services, and serve redemption and advertising.

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With Third Parties That You Authorize

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If you are the Administrator for a OpenPymts account, we will share your information with your Users in accordance with your account settings and preferences. If you are a OpenPymts User, the account Administrator can access your information and change certain of your settings, and OpenPymts may send information about your use of the Service to the Administrator.

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With your authorized service providers. If you sign up or authorize your accountant or another third party service provider to use or access the Service on your behalf or to use your OpenPymts account, including by linking your OpenPymts account to a Console, we will share your information with that authorized third party.

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With third parties you choose to interact with through OpenPymts. We share your information with third parties that you choose to interact with through the OpenPymts Service, including but not limited to your Vendors or Customers. We may also share your information with third party services that are supported by and integrate or sync with the Service, based on your choices and account settings, such third-party data entry services, accounting software providers, or social media sites that link to the Service. This Privacy Notice does not apply to collection, storage, or other processing of your information by third parties. The privacy practices of third parties, such as accounting software providers or social media sites, are governed solely by their privacy policies and terms of use. To understand how third parties process and protect your information, we recommend that you review their privacy policies, terms of use, and websites.

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Fraud prevention. We may share information about changes to your OpenPymts account, such as changes to a bank account or to your address, with your Vendors or Customers for purposes of fraud prevention and detection.

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With Our Third Party Service Providers and Partners

 

We may share your information with our third-party service providers and business partners as needed to provide, maintain, support, secure, and improve the Service. Services provided to OpenPymts by these third-party providers include, but are not limited to, identity verification, payment processing, fraud prevention, database management, data storage, web analytics, and marketing services. Our third-party service providers have access to your information only for the purposes of performing specific tasks on our behalf in compliance with our Services Agreement and are obligated not to use or disclose your information for any other purpose or in any manner that is inconsistent with this Privacy Notice.

For example, OpenPymts may use Plaid Technologies (“Plaid”) to gather certain information about you from financial institutions. By using the Service, you grant us and Plaid the right, power, and authority to access and transmit the information obtained about you from financial institutions for purposes related to the OpenPymts Service. This Privacy Notice does not apply to collection, storage or other processing of your information by Plaid, which is governed by solely by the Plaid Privacy Policy. Another example is that if you access or use the Google Maps Platform (“Google Maps”) through the Service, your use of Google Maps is subject to Google’s Terms of Service and the Google Privacy Policy. Additionally OpenPymts engages with partners and program banks to offer the payment methods. The privacy is governed under here

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As Required or Permitted by Law

 

We will share your information with third parties as required by law. OpenPymts cooperates with government, law enforcement, and private third party requests for information as we, in our sole discretion, determine is reasonably necessary to comply with any applicable law, regulation, government request or legal process, including but not limited to subpoenas. 

As permitted by law. We may share your personal information as permitted by law, including, but not limited to, as we, in our sole discretion, believe necessary or appropriate to ensure the security and confidentiality of the Service, to prevent, detect or respond to fraud or security incidents, to respond to claims and legal process, to protect the property or rights of OpenPymts or a third party, to protect the safety of the public or any person, or to prevent or stop any illegal, unethical or legally actionable activity. 

In connection with business transactions or corporate changes. The information that we collect in connection with the Service is a business asset. As a result, we may share or transfer your information if we enter bankruptcy or are party to a business transaction, such as a merger, acquisition, reorganization, or asset sale. 

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With Your Consent

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In accordance with applicable privacy legislation, by providing us with your consent to this privacy policy, you consent to our collection, use and disclosure of your Personal Information for the purposes identified in this policy, or as otherwise disclosed at the time of collection. You may withdraw your consent to our collection, use or disclosure at any time, provided that if you withdraw your consent to certain uses, we may no longer be able to provide our services to you.

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Access, Choice, and Contacting Us

 

You have a right to (i) access, modify, correct, or delete your personal information controlled by OpenPymts regarding your profile, (ii) change or remove your content, and (iii) close your account. You can also contact us for any account information which is not on your profile or readily accessible to you. If you close your account, your information will generally be removed from the Service within 24 hours. We generally delete closed account information and will de-identify any logs or other backup information within 30 days of account closure, except as noted below. Please note that information you have shared with others that others have copied may also remain visible after you have closed your account or deleted the information from your own profile.

We keep your information for as long as your account is active or as needed. For example, we may keep certain information even after you close your account if it is necessary to comply with our legal obligations, meet regulatory requirements, resolve disputes, prevent fraud and abuse, or enforce this agreement. If you wish to close your OpenPymts account, please contact customer service here. If you wish to request access to or deletion of your Personal Information or have any other questions, concerns or complaints regarding our Personal Information policies and practices, please contact us as follows: admin@openpymts.com, with Subject marked as Data Privacy Concern