General Information

PayCircle (referred to as “company,”, “we”, “us,” or “our” in the document) is committed to protecting the privacy of the website, https://paycircle.io/ and its service users (referred to as “users” or “you” in the document herein). This privacy policy relates where we are the data controller of your personal data, which in other words, where we define the means and purposes of the processing of the same personal data.

This determines the process of processing the data and safeguarding the information referring to individuals and legal bodies (Customers) all of which can be acquired by us when the Customers use:

• The facilities and services offered at the Website https://paycircle.io/
• The PayCircle App after the user has downloaded it on their device (“Device”)
• Services (any) that can be accessed via the Website or the App (“Services”)

Information We Collect

Information you provide us:

Customer Information: When you sign up to create a PayCircle account, you provide us with information about yourself including:

• Name
• Address
• Email Address
• Phone Number
• Social Security Number
• Date of Birth
• Beneficiary/Beneficiaries Relationship

You may choose to sign in using your Google or Facebook account credentials, in which case we collect your Google or Facebook account ID and associated email address.

If you sign up as an entity (e.g. a company, partnership, trust, etc), you may also need to provide us with pertinent information about your entity, including:

• Entity Name
• Employer Identification Number (EIN)
• Address
• Email Address
• Phone Number
• Entity Documents

If you create an account with another person, you may need to provide the above information about that person as well.

Beneficiary Information: When you create a PayCircle account, you also provide us information about the beneficiary/beneficiaries of the trust, including:

• Name
• Gender
• Social Security Number
• Date of Birth
• Address
• E-mail Address
• Phone Number

The purpose of this Privacy Policy is the appropriation of protection of Personal Information about you, the Customers, from any illegal access or disclosure. Process related with the collection, storing, sharing and safeguarding of the information gathered from the Customers or being provided by them voluntarily are dictated by this document; Company’s other official documents along with the acting geography-specific legislation.

By registering on the Website/App and accessing the services, the Customers are agreeing with the terms of the privacy policy. In the occasion of any kind of disagreement on the Customer’s part with the dictated privacy terms, the use of the Website/App or its facilities and services available will be stopped immediately.

We are constantly striving to find novel ways to improve your experience with the Company and its Services. To that effect, we might modify or amend the terms set in this Privacy Policy when the time calls for it. The Customers are encouraged to review the document from time to time for the “Last Update” at the top to access the most recent version of the Privacy Policy. If any changes are made to this Policy, we will inform you of the same here, or by email, or by publishing a notice on the Website, App, or any other place of access of the Company Service.

To make it clear, and to avoid any no misunderstanding regarding how we collect and process your personal data, we ensure to:

• Keep your data private and safe always;
• Not ever sell your personal data;
• Enable you to review and manage all your marketing choices.

PLEASE GO THROUGH THIS PRIVACY POLICY PRUDENTLY. BY USING OR ACCESSING THE COMPANY SERVICES, YOU ARE ACKNOWLEDGING THAT YOU HAVE READ, UNDERSTOOD, AND AGREED TO BE BOUND BY THE TERMS OF THIS POLICY ALONG WITH OUR TERMS OF SERVICE. IF IN CASE YOU DO NOT AGREE TO SUCH POLICIES AND TERMS, PLEASE EXIT THIS PAGE AND REFRAIN FROM ACCESSING OR USING THE COMPANY SERVICE.

Data Collection Process

We gather all information about you when you sign up with PayCircle or use its services, products, or app or use the PayCircle website or access third-party applications that use our API (Application Programming Interface).

• When you register with us as a user, we ask for accurate and detailed information, which is used to verify your identity and allows us to protect against any fraud, along with other reasons that are discussed below.
• We collect Personal Information during other times when we manage your PayCircle account, like from surveys, during customer care engagements or during conducting any investigations.
• We gather information automatically that gets sent to us through your computer, or other smart devices to improve user experience.
• When the user enables the location of the device being used to access the service, it allows us to collect the geographical data or use varied means to determine the user location, like extracting the sensor data from the user’s device that may, for example, deliver data on cell towers that are close-by or Wi-Fi hotspots.

As you continue interaction with PayCircle through a website or app, we might gather technical data concerning your device, its browsing patterns and actions automatically. We gather this data through server logs, cookies, along with other likewise technologies. Cookies are basically small data files that are stored on the hard drive of your device through a website. It helps us to make PayCircle and its Service along with the user experience better by recognizing your browser, capture and by remembering certain information. You can disable the cookies by adjusting your browser settings. However, it may interfere with your access to our website and services.

PayCircle might receive data about you from the third-parties. This may include advertising partners, technical data from the analytics, from identity verification services, and from financial institutions as well.

Use of Personal Information

We have mentioned some of the ways through which we might use and process your information.

• Providing you service: We need your personal data for PayCircle to operate properly. If you don’t have your name and banking information among other details, we will not be able to offer you any of our products and services.
• Identity verification: Being a financial entity, it is important that we can confirm the true identity of our users. There are regulations in place across geographies which require that we identify our users accurately. The laws involved in the process are anti-corruption, anti‐terrorism, anti‐bribery, anti‐money laundering, etc.
• Keeping you updated: To ensure financial and security transparency we need to make you aware of all your transactions and other related activity on PayCircle. We regularly send you emails with invoices, confirmations, technical notices, security alerts, updates, administrative messages and legal and support information.
• Investigation: At times, we are obligated to monitor your account activity to keep tabs and safeguard against fraudulent or illegal behaviour/activity.
• Customer support: We strive to ensure that you can use our products easily but there will be times when you will require our help. We have an experienced customer support team that will occasionally need to access your account data to fix any problems or to provide an answer to your questions.
• Managing and improving our service: We like to understand how our members engage and use PayCircle to make sure PayCircle is the best it can be. This process includes combining different accounts, transactional, marketing and other data to analyze the effectiveness and performance of our service.
• User communication: We want to keep you updated about the product upgrades, news, promotions, and events. With your consent, our team will send information to you, including the regularly personalized emails, so that you stay up to date with all that is latest at PayCircle.
• Business operations: Our team may require to access your Personal Information to facilitate the business operations, which includes the internal training and administration, along with the legal compliance, enforcement of legal rights, protection of third-party rights, and information concerning and in times of business transitions like mergers and acquisitions, or sale of a portion or all of company assets.
• Website and applications: PayCircle uses data analytics to enhance the website and app, its activities, operations, products/services, and events, etc.
• Third-party data: In case you authorize apps or third-party integrations while using our service, these third parties may receive information regarding your account, along with the use of the service, the transaction history including even the ability to act on your behalf. Information gathered by these apps or third-party integrations is subject to their respective terms, conditions, and policies.

Cookies

PayCircle uses cookies and likewise technologies to track your activity on our platform and use the same to customize our content and services while measuring promotional efficacy and uphold safety. Some other tracking technologies used are tags, beacons, and scripts to gather and track the information and to enhance and assess our service. It is strictly necessary to enable these cookies for the platform to work properly, as it will ensure better browsing experience for the user. The user is allowed to control or delete these cookies, but doing so will impair some of the features of the platform. The cookies will not be used for any other purpose other than the ones explained herein. While the cookies are considered as personal data they are regulated in a way as described in this Privacy Policy. We use the following cookies:

• Session cookies
• Preference cookies
• Security cookies
• Third-party persistent cookies by Google Analytics

Disclosure of Personal Information

We may share the user’s Personal Information with the following:

• Affiliates, suppliers, business partners, and sub-contractors for the execution and performance of any contract that we enter into with you or them
• Advertising networks or advertisers to serve and select relevant adverts to others and you
• Search engine providers and analytics that assist in the optimization and improvement of the platform

Data Storing and Security

PayCircle has implemented advanced security protocols to prevent yours under any circumstances the accidental loss, unauthorized use, access, alteration, or disclosure of your Personal Information.

We have taken sophisticated measures to safeguard your Personal Information by implementing physical, procedural, and electronic safeguards and by incorporating tried and tested cutting-edge security technologies that comply with the applicable laws. We may employ network fortification like data encryption and firewalls, or enforce manual access controls, authorizing information access to only those who need the same to execute their work responsibilities.

Besides that, we also limit the access of your Personal Information to employees, contractors, agents, and third-party entities with a business requirement to know. These individuals will process your information only on our instructions while being subjected to confidentiality. Those that have the permission to access your Personal Information are regularly and carefully screened, re-evaluated, and required to keep everything confidential.

Use of Services by Minors

The services are not directed to individuals under the age of eighteen (18), and we request that they not provide personal information through the services.

International Cross-Border Data Transfer

PayCircle uses servers hosted in the United States. Please note that we may be transferring your information outside of your region for storage and processing in the United States and around the globe. By using the 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.

Data Retention Period

We store all your personal data collected by us for as long as it is necessary to fulfil the purpose of its collection or to fulfil our legal obligations, like the statutory retention periods. Your data will be deleted maximum within one month after required purposes no longer apply.

Disclosure of Information

Your Personal Information might be disclosed by us for the following reasons:

• Legal Obligation - To respond to any request for information, if we believe that such disclosure complies with any applicable law, legal process, or regulation, or as otherwise required by any applicable law or regulation.
• Violation of the Terms of Services - In any occasion that calls for us to believe that your actions have violated our Terms or our rights to protect our property violating our safety or of others.

Amendments in Privacy Policy

We are under no obligation to change this document detailing the privacy policy at any time. The updated version will be posted accordingly on this website or the PayCircle app. The changes made will become effective immediately for the new users and will be effective for the existing users via continued use of PayCircle services after the update.

In case, you are reluctant to approve of the changes made concerning our use of your personal data, it is advised that you notify us of the same before the changes take effect informing us that you would like to deactivate your account. Please note that you as the user are responsible for keeping your information up to date and providing us with the same and your current contact information.

Contact Information

If you have any queries related to these Privacy Policies, along with your rights and obligations that are arising from these terms of usage, please contact PayCircle at admin@paycircle.io

Our Location:

15621 W 87th St Pkwy Suite#146,

Lenexa, KS 66219, United States