Introduction

You agree that this privacy policy will be effective for all users as of January 1, 2024.

Our privacy policy describes the ways we collect, store, use, and protect your personal information, and it is important for you to review this privacy policy. By “personal information,” we mean information that can be linked to a specific person and can be used to identify that person. We do not consider anonymized information to be personal information, as it cannot be used to identify a specific person.

You accept this privacy policy when you subscribe, log in, or use our products, services, content, features, technologies, or functionalities offered on our website and across all related sites and applications (collectively referred to as “Payuse Services”).

By providing us with your personal information, you expressly agree to our processing of your personal information in accordance with the terms of our privacy policy.

We may amend our privacy policy at any time by posting the revised version on our website, and the amended version will be effective at the time we post it. Your continued use of the Payuse website and your Payuse user account (“User Account”) and related Payuse tools and services (collectively referred to as “Payuse Service”) following such posting will constitute your explicit consent to our continued processing of your personal information in accordance with the terms of our amended privacy policy. Furthermore, if the amended version contains a material change, we will provide you with prior notice thirty (30) days before the change notification is posted on our website. After this thirty (30) day notice period, you will be deemed to have explicitly agreed to all amendments to this privacy policy.

We last modified our privacy policy on January 1, 2024, and we encourage you to visit our website periodically to read the latest version of our privacy policy. If we plan to use your personal information in any manner other than as described in our privacy policy or any amendments made from time to time, we will notify you by email, and you will have the option to allow us to use your personal information in that manner or not.

Our privacy policy will cover the following topics: 

– How we collect your personal information

– Our use of your personal information

– Accessing and reviewing your information

– Communication with you and third parties

– Website and link security

– Protection of your personal information

By providing us with your personal information, you agree to this privacy policy and the collection, use, access, transfer, storage, and processing of your personal information as

outlined in this privacy policy.

**Browsing**

We have not designed this site to collect your personal data from your computer while you are browsing this site; rather, only the data you provide us knowingly and voluntarily will be used.

**Information We Collect**

When you request to open your user account and begin using the Payuse Service, you will be asked to provide us with certain personal information, including your full name, date of birth, address, email address, phone number, and other identifying information that we can collect with your personal information. Additionally, for the purpose of verifying your identity, we may need to request a valid proof of identity (e.g., a copy of your passport, national ID card, registration certificate, residence permit, driving license, or business registration).

You must ensure that the email address you registered with us is always up to date so that we can always contact you and deliver important information regarding your user account and Payuse Service. We may also need to collect selected financial information from you, including your credit card details and/or bank account information.

Your Internet Protocol (IP) address (which is a unique number assigned to your computer or Internet Service Provider (ISP)) and information about your computer (for example, the type of browser you are using) and browsing information (for example, the pages you visit on our website), along with the number of times you log in, may also be tracked alongside your personal information for fraud prevention purposes, to improve the Payuse Service for your benefit, and to generally better manage our users’ use of the website.

To help protect you against fraud and misuse of your personal information, we may collect

information about you and your interactions with Payuse Services. We may also evaluate your computer or mobile device or any other access medium to identify any suspicious software or activity.

We may provide you with the ability to connect with Payuse Services using a mobile phone, either through a mobile app or via a dedicated mobile website. The provisions of this privacy policy apply to all mobile access and usage.

Payuse may monitor or record its ongoing telephone conversations with you or your representative. By contacting Payuse, you acknowledge that your communication may be heard, monitored, or recorded without prior or subsequent notice.

We may collect additional information from you or about you in other ways not specifically described in this document. For example, we may collect information related to your contact with our customer service team or store results

when you respond to a survey we conduct.

Credit/debit card details and personally identifiable information will not be stored, sold, shared, or rented to any third party.

Some advertisements you see on the website are delivered by third parties, such as advertising networks, ad agencies, advertisers, and audience segment providers. These third parties may collect information about you and your online activities, either on our website or on other websites, through cookies, web beacons, and other technologies, in an attempt to understand your interests and deliver targeted advertisements to you.

Please remember that we do not have access to or control over the information that these third parties may collect. This privacy policy does not cover the information practices of these third parties.

When you use any of our loyalty programs to

shop with us, we may collect transaction information, including online purchases that earn points and how you use those points and coupons within our affiliates or with other partners.

When you contact us or we contact you or participate in promotional offers, contests, or surveys about our services, we may collect:

– Personal information you provide about yourself.

– Details of emails and other digital communications we send you, including information about the emails you open, the links contained in them that you click on, and your comments and contributions to customer surveys and questionnaires.

**Other Sources of Personal Information:**

We may also use personal information from other sources, such as specialized companies that provide information, online media channels,

our partners, and public records. We may collect the following types of personal information about you from other sources: contact details, credit history, purchases, interests, preferences, or other types of publicly available information.

This other personal information helps us to:

– Review and improve the accuracy of the data we hold.

– Enhance and measure the effectiveness of our marketing communications, including online advertising.

We may be legally required to collect personal information about you or as a result of any contractual relationship between you and us.

If you choose not to provide your personal information for use under this privacy policy, you will still be able to visit our website, but you may not be able to access certain options, products, or services, and in some cases, we may not be able to fulfill the service you request.

**Use of Information**

We use your personal information to provide and improve the Payuse Service to you. We may also use your personal information to prevent illegal activities and enforce our user agreement with you.

For example, we may share some of the personal information you provide us with banks (e.g., to comply with our anti-money laundering obligations), to authorize credit card transactions, or for processing and verification services, or for fraud detection purposes. In such circumstances, we may need to ask you for proof of identity (e.g., a copy of your passport, national ID card, or others).

Those institutions may not use your personal information for any secondary purposes beyond the purpose for which your personal information was provided to them by us, unless the law requires them to do so.

Although we strive to maintain your privacy, we may need to disclose your personal information to law enforcement agencies or government entities or other third parties that assist in investigations related to fraud or to protect Payuse or Payuse users from any risk, or to governmental entities or third parties where we are compelled by court order or similar legal action, or where we are requested to do so to comply with the law, or where we are cooperating with an ongoing legal investigation, or where we have a good faith belief that such disclosure is necessary to prevent physical harm or financial loss, or to report suspected illegal activity, or to investigate a potential violation of our user agreement.

In the event of a sale of Payuse or its affiliates or any of the assets of Payuse, your personal information may be disclosed to a potential buyer for the purpose of providing you with continued Payuse Service or otherwise in connection with the sale of Payuse or its

affiliates or any of the assets of Payuse.

We may share your personal information with other non-affiliated third parties for the following purposes:

– Providing our services to you: We use your personal information to provide the services you requested, including processing your requests and refunds, and managing the accounts you hold with us. This is so that we can provide you the services in accordance with our contractual obligations to you.

– Personalizing your experience: We may use your personal information to personalize the marketing messages we send to you and to make them more relevant and interesting, as this serves our legitimate business interests. When necessary, we will obtain your consent first.

We may use your personal information for this purpose in the following ways:

– Using online browsing behavior along with in-store and online purchases to help us better understand you as a customer and provide you with tailored offers and services.

– Providing you with relevant marketing communications (including via email, mail, phone, SMS, or online advertising) regarding the products and services we offer and those of our suppliers and partners. As part of this, online ads may be displayed on our website and on other websites of organizations and online media channels. We may also measure the effectiveness of our marketing communications and those of our suppliers and partners;

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### Correspondence

When you register your user account, you will receive a message from us in your email confirming your successful registration. Upon registration, you will periodically receive

information about products, services, and special offers from us.

We offer you the option to receive or not receive this information at the time of registration. If you wish to change the option you selected during registration, you can do so at any time through your user account profile.

### Contests

Contests may be offered from time to time, and you are not obligated to participate. Generally, if you choose to do so, you may be asked to disclose some personal information.

This privacy policy will apply to any personal information you disclose in connection with any contests mentioned on www.PayUse.net.

At the time of entering the contest, you will be informed about the person or entity that will have access to your personal information and the reasons for that access. You are not, of course, obligated to continue entering the

contest if you do not wish to disclose the required personal information.

### Social Media

We operate channels, pages, and accounts on some social media sites to inform, assist, and interact with customers. We monitor and record comments and posts related to us made on these channels so that we can improve our services.

PayUse is not responsible for any information published on those sites other than the information we have published ourselves. We do not endorse the social media sites themselves or any information posted there by third parties.

### Retention

We retain records as long as necessary to:

– Manage purchases, bookings, and memberships, and provide related products or services that you expect under this privacy policy, including keeping you updated on our

marketing.

– Personalize products, services, and communications with you.

– Comply with applicable legal record-keeping requirements. When determining how long to retain your personal information after our relationship with you has ended, we consider our legal obligations and the expectations of regulators.

If you wish for us not to use your information any longer to provide our services to you, please contact us at support@PayUse.net.

However, we will retain your registration information and use it as necessary to comply with our legal obligations, resolve disputes, and enforce our agreement.

### Marketing Communications

All marketing communications we send you will provide you with a way to withdraw your consent for future marketing. If you no longer wish to receive promotional materials, you can

unsubscribe from receiving these communications or change your account settings, which will remove you from marketing lists.

Please note that if you unsubscribe from marketing communications, you will still receive operational and service messages from us regarding the services or products you have purchased from us and responses to inquiries directed to us. We may also retain your details on the opt-out list so that we do not send you marketing communications in the future.

### Data Collection, Data Analysis, and Social Media Functions

We may collect personal information and remove any identifiers to analyze patterns and improve our marketing and promotional efforts, analyze the use of our platform, improve content and product offerings, and customize the content and design of our platform and its products and services. We may engage third parties to do this on our behalf as outlined

above.

We collect certain usage information, such as the number and frequency of visitors to our platforms. This information may include the webpage you came from, the webpage you will go to next, the browser you are using, your device, and your IP address. We only use this data in aggregate form. This data helps us determine how much our customers use parts of our platforms, conduct research on user demographics, interests, and behaviors, to better understand and serve you.

If you use icons on our platforms linked to social media or similar sites (for example, “Like” and/or “Share” icons), content from our platforms may be sent back to the website or other service, and depending on your privacy settings, it may be visible either privately or publicly (for example, to friends or followers, or generally to anyone with access to your profile page).

### Use of Cookies

Cookies are used to collect your unique interests when you visit our site. They provide us insights into the products you are interested in and the pages you visit. Thus, they help generate information that aids us in improving the site. The use of cookies helps in recognizing returning visitors to facilitate their visit. A cookie cannot collect data from your computer or hard drive on its own. Most browsers can turn off the cookie feature and delete cookies from your computer. This may limit certain functionalities on our site; however, it will not hinder the essential functions of the site.

At PayUse, we work with third parties, including advertising companies and web analytics companies that use cookies to collect your browsing activities. The following information is typically collected and is usually used by third-party advertising networks to serve you based on your interests and preferences.

### What are Cookies?

Cookies are small text files sent to your browser

by the website you visit. A cookie is stored in your browser, allowing the service or a third party to recognize you and make your next visit to the site easier and the service more useful to you.

Cookies can be “persistent” or “session” cookies, where persistent cookies remain on your computer or mobile device when you lose your internet connection, while session cookies are deleted once you close your browser.

When you access and use the service, we may place a number of cookies in your browser.

PayUse uses cookies for the following purposes:

– To enable certain functionalities of the service.

– To provide analytics.

PayUse uses both persistent and session cookies on the PayUse services and uses different types of cookies to operate the PayUse services:

– **Essential Cookies:** We may use cookies to remember information that changes the way the service appears or behaves, such as the user’s preferred language.

– **Analytics Cookies:** We may use analytical cookies to track information about how the service is used, so we can make necessary improvements. We may also use analytical cookies to test advertisements or new pages, features, or functions of the service to see how users interact with them.

– **Third-party Cookies:** In addition to our cookies, we may also use various third-party cookies to report service usage statistics, deliver advertisements on and through the service, and so forth.

### What are Your Choices Regarding Cookies?

If you wish to delete cookies or instruct your browser to delete or refuse cookies, please visit your browser’s help page.

However, please note that if you delete cookies or refuse to accept them, you may not be able to use all the features we provide, you may not be able to store your preferences, and some of our pages may not display properly.

For the Chrome browser, please visit this page from Google:  

https://support.google.com/accounts/answer/32050?hl=en&ref_topic=7189049

For the Internet Explorer browser, please visit this page from Microsoft:  

https://support.microsoft.com/en-us/help/278835/how-to-delete-cookie-files-in-internet-explorer

For the Firefox browser, please visit this page from Mozilla:  

https://support.mozilla.org/en-US/kb/Deleting%20cookies

For the Safari browser, please visit this page

from Apple:  

https://support.apple.com/en-us/HT201265

For any other browser, please visit the official pages for your browser.

### Where Can You Find More Information About Cookies?

You can learn more about cookies at the following third-party sites:

AllAboutCookies: http://www.allaboutcookies.org/

Network Advertising Initiative:  

http://www.networkadvertising.org/

### Your Rights

You have the right to access the personal information we hold about you. To obtain a copy, please contact us via email at support@PayUse.net.

Additionally, you have certain rights regarding

your personal information, according to local law, which include the following:

– Correcting the information we hold about you.

– Erasing your personal information.

– Restricting our use of your personal information.

– Objecting to our use of your personal information.

– Withdrawing any consents you provided regarding our use of your personal information.

– Receiving your personal information in a usable electronic format and transmitting it to a third party (the right to data portability).

– Filing a complaint with your local data protection authority.

If you wish to discuss or exercise these rights, please contact us at the email address above.

If you are concerned that any of the information we hold about you is incorrect or outdated, please write to the email address above to report your concerns, and we will take

appropriate steps to amend our records.

Please note that we will likely ask you for additional information in order to fulfill your requests.

### Privacy Concerns

If you have any concerns regarding our compliance with applicable privacy laws or this privacy policy, please contact us at support@PayUse.net.

### Notification of Changes to This Privacy Policy

We update this privacy policy as necessary and post updates on our platforms. If we intend to use your personal information in a way different from that stated at the time of collection, we will notify you. All changes will become effective upon posting unless otherwise stated. Please review this privacy policy periodically to stay informed of any changes.

### Links to Other Sites

Our site may contain links to other websites. However, please note that other websites may have their own privacy policies that we do not control. Therefore, please understand that our privacy policies will not apply once you leave our site.

### Governing Law and Dispute Resolution

This policy is governed by local and international laws, and any disputes arising from or related to it between you and PayUse will be settled by local or international courts.