Privacy Policy

At GB Pay, one of our main priorities is the privacy of our visitors and users. This Privacy Policy details the type of information that is collected and recorded by GB Pay and how we use it.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regard to the information that they share and/or collect through GB Pay. This policy is not applicable to any information collected offline or via channels other than this website. This privacy policy may change from time to time, so please check it often.

Consent

By using our website, you hereby acknowledge that you have reviewed our Privacy Policy and agree to its terms. If you do not agree to the terms of our Privacy Policy, please do not use this site.

Information We Collect

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an account, we may ask for your contact information, including items such as name, address, email address, and telephone number. In addition, account-holders will be asked to provide information regarding:

• Personal identification (government-issued ID, Social Security Number, date of birth)
• Banking and financial information (bank account details, payment card information, routing numbers)
• Transaction history and payment activity
• Device information and IP addresses
• Biometric data (if used for authentication purposes)

This information is necessary to:

• Verify your identity and comply with Know Your Customer (KYC) requirements
• Ensure Anti-Money Laundering (AML) compliance
• Process payments and financial transactions
• Prevent fraud and unauthorized access
• Comply with federal and state financial regulations

Any information related to personal identification and/or financial information will be kept strictly private and confidential. GB Pay puts forth all reasonable and industry-standard efforts to protect such personal information using encryption, secure servers, and other protective measures.

How We Use Your Information

We use the information we collect in various ways, including but not limited to:

• Providing, operating, and maintaining our website and payment services
• Processing financial transactions and payments
• Verifying your identity and preventing fraud
• Improving, personalizing, and expanding our website and services
• Understanding and analyzing how you use our website
• Developing new products, services, features, and functionality
• Communicating with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for transactional, service-related, and promotional purposes
• Sending you emails and SMS notifications about your transactions and account activity
• Finding and preventing fraud, money laundering, and other financial crimes
• Complying with legal and regulatory requirements
• Resolving disputes and enforcing our agreements

Cookies and Web Beacons

Like any other website, GB Pay uses "cookies." These cookies are used to store information including visitors' preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users' experience by customizing our web page content based on visitors' browser type and/or other information.

We may also use cookies and similar technologies to:

• Remember your login information and preferences
• Analyze site traffic and usage patterns
• Detect and prevent fraudulent activity
• Improve security measures

Advertising Partners Privacy Policies

Third-party ad servers or ad networks may use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on GB Pay, which are sent directly to users' browsers. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that GB Pay has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

GB Pay's Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information, which may include their practices and instructions about how to opt-out of certain data collection practices.

You can choose to disable cookies through your individual browser options.

Information Sharing and Disclosure

We do not sell your personal information to third parties. However, we may share your information in the following circumstances:

• Service Providers: With trusted third-party service providers who assist us in operating our website, conducting our business, processing payments, or servicing you, provided those parties agree to keep this information confidential
• Financial Institutions: With banks, payment processors, and card networks to process your transactions
• Legal Requirements: When required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others
• Business Transfers: In connection with any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company
• Fraud Prevention: With fraud prevention services and law enforcement when necessary to investigate or prevent illegal activity

Data Retention

We retain your personal information for as long as necessary to:

• Provide you with our services
• Comply with legal obligations (including tax, accounting, and regulatory requirements)
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

Financial transaction records are typically retained for a minimum of seven (7) years as required by applicable laws and regulations.

State-Specific Privacy Rights

In various states, including but not limited to the States of California, Colorado, Connecticut, Utah, Virginia, and others, among other rights, consumers have the right to:

• Request that a business disclose the categories and specific pieces of personal data that has been collected
• Request that a business delete any personal data about the customer that a business has collected
• Request that a business correct inaccurate customer information
• Request that a business not sell the customer's personal data
• Opt out of certain data collection practices and/or withdraw consent for the collection of personal data
• Not be discriminated against for exercising their privacy rights

California Residents: Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), you have specific rights regarding your personal information. We do not sell your personal information.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, you may do so by using the "contact us" page on our website. If you make such a request and we, in our discretion, determine that we are not legally required to honor it, we will notify you of such a decision, advise you of the rationale behind it, and provide you with instructions on appealing the decision, should you so choose.

GDPR Data Protection Rights

Under General Data Protection Regulations, every user residing in the European Union and/or the European Economic Area is entitled to the following:

• The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.
• The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.
• The right to erasure – You have the right to request that we erase your personal data, under certain conditions.
• The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.
• The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.
• The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us through the information provided on our website.

Children's Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

GB Pay does not knowingly collect any Personal Identifiable Information from children under the age of 13. Our services are not intended for use by individuals under the age of 18. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best to promptly remove such information from our records.

Security

We operate secure data networks protected by industry standard firewall and password protection systems. Our security measures include:

• Encryption of sensitive data both in transit and at rest
• Secure Socket Layer (SSL) technology for data transmission
• Regular security audits and vulnerability assessments
• Multi-factor authentication options
• Access controls limiting employee access to personal information
• Regular employee training on data security and privacy

Our security and privacy policies are periodically reviewed and enhanced as necessary, and only authorized individuals have access to the personally identifiable information provided by our users.

While we implement robust security measures, we cannot guarantee absolute security. We do not, however, guarantee that unauthorized, inadvertent disclosure will never occur. You are responsible for maintaining the confidentiality of your account credentials and for any activity that occurs under your account.

International Data Transfers

If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. By using our services, you consent to the transfer of information to countries outside of your country of residence, which may have different data protection rules than your country.

Transfer of Customer Information

Customer lists and information are properly considered assets of a business. Accordingly, if we merge with another entity or if we sell our assets to another entity, our customer lists and information, including personally identifiable information you have provided us, would be included among the assets that would be transferred. You will be notified via email and/or a prominent notice on our website of any change in ownership or uses of your personal information.

Your Choices

You have several choices regarding your information:

• Account Information: You can review and update your account information by logging into your account
• Marketing Communications: You can opt out of receiving promotional emails by following the unsubscribe instructions in those emails
• Cookies: You can set your browser to refuse all or some browser cookies
• Do Not Track: Some browsers have a "Do Not Track" feature. We currently do not respond to Do Not Track signals

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact us: