Effective Date: January 22, 2024

This Privacy Policy governs the manner in which PayChute collects, uses, maintains and discloses information collected from Users (each, a "User") of the PayChute website and associated services (collectively known as the "Service"). This privacy policy applies to all elements of the Service. Please ensure that you read this Privacy Policy, the Terms & Conditions and the Cookie Policy carefully. These are collectively known as the "Terms".

Your acceptance of these Terms

By using the Service, you are agreeing to be bound by these Terms. If you do not agree with these Terms, then please do not use the Service. Your continued use of the Service following the posting of changes to these Terms will be deemed your acceptance of those changes. If you are accessing and using the Service on behalf of a company (such as your employer) or another legal entity, then you represent and warrant that you have the authority to bind that company or other legal entity to these Terms. In that case, "you" and "your" will refer to that company or other legal entity.

Changes to the Terms and/or Service

PayChute has the discretion to update the Terms at any time. When we do, we will revise the effective date at the top of this page. It is important that you frequently review the Terms for any changes to stay informed. By using the Service, you acknowledge and agree that it is your responsibility to review the Terms periodically to become aware of modifications. As our Service is constantly evolving over time, we may change or discontinue all or any part of the Service, at any time and without notice, at our sole discretion.

Information we collect

We collect information from Users in a variety of ways, including but not limited to: when Users use the Service, register for the Service, purchase tokens for their wallet, subscribe to a community, and in connection with other activities, services, features or resources we make available. In some cases you share this information directly with us, e.g., by registering for an account; we also collect information automatically from you through technology (e.g., your device or browser type, your activity on the Service).

Personal Identification Information

The collection of personal identification information is limited to Registered Users of the Service. Registered Users may be asked for, as appropriate for the goods and services they are utilising: their first and last name, age, residential address, delivery address, billing address, email address, phone number, and/or payment card details. Such personal identification information will only be collected from Registered Users if they voluntarily submit such information to us.

Data will be processed by PayChute in a way that is crucial to agreeing on a contract, its fulfillment, and in delivery of the wider Service.

Users can always refuse to supply personal identification information, with the understanding that it may prevent them from engaging in certain Service-related activities. Users have the right to see the content of their data and any corrections made to it.

Explicit consent to this Privacy Policy is required when registering as a User of the Service.

Non-Personal Identification Information

We may collect non-personal identification information about all Users whenever they interact with the Service. This may include details of the type of device, the operating system, the browser, as well as information about the means of connection to the Service, such as Internet Service Providers utilized.

How we use the information

We may collect and use Users' information for the following purposes:

1. To improve customer service. Information you provide helps us respond to your customer service requests and support needs more efficiently.
2. To improve the Service. We may use feedback you provide to improve our products and services.
3. To run a promotion, contest, survey or other feature. 
4. To send Users information they agreed to receive about topics we think will be of interest to them.
5. To send periodic emails. We may use the email address to send User information and updates pertaining to their subscriptions, activity and/or orders. It may also be used to respond to their inquiries, questions, and/or other requests. If a User decides to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.

How we protect the information

We adopt appropriate collection, storage and processing practices and security measures to protect against unauthorised access, alteration, disclosure or destruction of your personal information, username, password, transaction information and associated data stored on our Service.

Sensitive and private exchanges between the Service and its Users happen over a SSL-secured communication channel and is encrypted and protected with digital signatures.

How we share the information

We do not sell, trade, or rent Users' personal identification information to others. We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above. We may occasionally share information collected with our professional advisors (including accountants, auditors, lawyers, and consultants) when reasonably necessary for them to perform services for us and give us appropriate advice. Finally, we may use third party service providers to help us operate our business and the Service or administer activities on our behalf, such as processing payments or sending out newsletters or surveys. We may share your personal identification information with these third parties for those limited purposes, provided that you have given us your consent.

In special limited circumstances we may be required to disclose your data without express consent, these are:

1. When we have a good faith belief it is required by law.
2. When we have a good faith belief it is necessary to protect our or others' rights or property.
3. To any successor or purchaser in a merger, acquisition, liquidation, dissolution or sale of assets.

Your consent will not be required for disclosure in these cases, but we will attempt to notify you, to the extent permitted by law to do so.

Tracking Technologies

Your browser settings may allow you to automatically transmit a "Do Not Track" signal to online services you visit. Note, however, there is not consensus among industry participants as to what "Do Not Track" means in this context. Like many online services, we currently do not alter our practices when we receive a "Do Not Track" signal from a visitor's browser. To find out more about "Do Not Track," click here, but note we do not take responsibility for the completeness or accuracy of this or any other information provided by third parties.

Many advertisers and service providers performing advertising-related services for us participate in voluntary programs which provide tools that users can use to opt-out of interest-based advertising. One such program is the Digital Advertising Alliance's Self-Regulatory Program for Online Behavioral Advertising. To learn more about this program and how you can express your preferences, click here. Another such program is the Network Advertising Initiative, which you can learn about by clicking here.

Note that opting-out of interest-based advertising via the above programs (or similar) means only that those selected, voluntarily participating program members should no longer deliver such advertising to you, but it does not mean you will no longer receive any targeted content and/or ads. In addition, if your browsers are configured to reject cookies generally at the time when you visit the websites of these opt-out programs, or if you subsequently erase the cookies installed by them, or use a different device or web browser, your browser-based opt-out may no longer be effective.

How long we keep your information

We keep the categories of personal information described above for as long as is necessary for the purposes described in this Privacy Policy or otherwise authorized by law. Specifically, we will continue to hold the information as long as any of the following is still applicable:

• Your personal information is reasonably necessary to manage our operations, to manage your relationship with us, or to satisfy another purpose for which we collected the information;
• The information is reasonably required to protect or defend our rights or property (which will generally relate to applicable laws that limit actions in a particular case); or
• We are otherwise permitted or required to keep your information by applicable laws or regulations.

Withdrawal of consent

If at any time a Registered User wishes to withdraw their consent to this policy they can do so via their account settings page. Withdrawal of consent will result in the Account concerned being suspended and scheduled for termination. All content, activity and associated information relating to the Account will be removed as part of this process.

We also provide the following options which you may exercise, as follows:

• Opting Out of Promotional Communications: Opt out of commercial messages we send to you by clicking on the "unsubscribe" link provided with each message. Note that this does not apply to transactional communications, such as those related to your account registration, any required or important notices related to your use of our Service, or to the fulfillment of a specific transaction.
• Regardless of your jurisdiction of domicile, PayChute honors requests to exercise Data Subject Access Rights (right of access to personal data/right to know, right to correction, right to erasure, right to withdraw consent, right to restriction of processing, and right to data portability, and right to object, right to opt out of the sale of personal information). To exercise any of these rights, please contact us at privacy@paychute.com or PayChute LLC, 174 Meeting Street, Suite 300-308, Charleston, SC  29401. Please note, however, that the above rights are not absolute, and we may be entitled to refuse requests, wholly or partly, where exceptions under the applicable law apply.

Jurisdiction-specific terms

European Economic Area (EEA) and/or the United Kingdom (UK)

The controller of your personal data under our Privacy Policy is PayChute LLC with an address of PayChute LLC, 174 Meeting Street, Suite 300-308, Charleston, SC  29401.

We process your personal data only if we have a legal basis to do so, as specified in this policy.

Some of our processing of your data will involve transferring your data outside the EEA or the UK, as applicable. Some of our service providers are also based outside the EEA or UK, and their processing of your personal data will involve a transfer of data outside the EEA or UK, as applicable. This specifically includes to the United States, where PayChute is registered and has its principal place of business. Where personal data is transferred to and stored in a country not determined by the European Commission as mandating by law adequate levels of protection for personal data, we take steps to provide appropriate safeguards to protect your personal data, including entering into standard contractual clauses approved by the European Commission, obliging recipients to protect your personal data.

California

Our use of tracking technologies for analytics may be considered a "sale" under California law. To opt-out of being tracked by these third-parties, write to us at privacy@paychute.com. Users of PayChute must be at least 18 years of age. Accordingly, we do not knowingly sell the personal information of consumers under 16 years of age. Categories of personal information disclosed that may be considered a "sale" under California law: Device information and Other Unique Identifiers, Internet or Other Network Activity. Categories of third parties to whom personal information is disclosed that may be considered a "sale" under California law: advertisers and marketing partners, data analytics providers.

We do not share personal information with third parties for those third parties' own direct marketing purposes. Nonetheless, Californians may request information about our compliance with California's "Shine the Light" law by contacting us at privacy@paychute.com or PayChute LLC, 174 Meeting Street, Suite 300-308, Charleston, SC  29401. Please provide sufficient information for us to determine if this applies to you, attest to the fact that you are a California resident, and provide your current California address to which we will send our response. Please note that we are required to respond to only one request per customer each year.

Nevada

We currently do not sell covered information, as "sale" is defined in Nevada law, and we do not have plans to do so. If you would like to be notified if we decide in the future to sell Personal Information as defined in Nevada law, please email your name and email address to privacy@paychute.com, so that you can be contacted and instructed as to the process for opting out.

Virginia, Colorado, and Connecticut

In addition to the rights described above, these states' laws provide for a right to opt out of profiling and a right to appeal. We do not use Personal Information to conduct profiling. If you are unsatisfied with our actions related to one of your privacy rights above, you may appeal our decision.

How to Contact Us

If you have any questions or concerns about our Privacy Policy or its implementation, or if you believe there are inaccuracies in your account information, please contact us at privacy@paychute.com.