Paystro | Privacy Policy

Privacy Policy

This privacy policy applies to the Paystro website and applications. In this Privacy Policy, “we”, “us” or “our” refers to Paystro and its successors in title, agents, and assigns, while “you”, or “your” refers to you and/or any person who subscribes to, uses or authorizes the use of our Services. The Website and the Application together with the Services (as defined below) and all content contained therein are referred to collectively as the “Resources”.  

Paystro conducts business in a responsible and sustainable manner, maintaining the highest level of industry standards thereby ensuring the security of customer information collected, processed, and stored based on business requirements.  

This Privacy Policy is intended to govern the use of Paystro's services by users and identifies the purposes for which personal information is collected, used, processed, disclosed, retained, and disposed of. We state that we do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.  

Personal data is shared with Andaria Financial Services Limited as a Joint Controller when signing up for any of the services provided by them, in accordance with legal and contractual requirements. Information on how Andaria Financial Services Limited collects and processes data can be found within their Privacy Policy.

We use your data to provide and improve our Service. By using our Service, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, your choice is not to use the Resources. By accessing or using the Resources, you indicate that you understand, accept, and consent to the practices described in this Policy. Unless an alternative lawful basis for processing personal data is available to the Company, the Company requires Users' permission to collect, use, and disclose personal data, with some exceptions. The exceptions are determined by applicable law and can include times when legal, medical, or security reasons make it impossible or impractical to seek consent.

Information Collection And Use

Users may provide data directly to the Company. The Company may also collect and process data, which may include personal data when Users:

Register online or join our waitlist;
Voluntarily complete a customer survey or provide feedback on any of our message boards or via email;
Use or view the Site via its browser's cookies;
Download or use the Application;
Submit content to the Site, like reviews, messages, or comments;
Transactional Data: This is information of details and records of all payments you have made for our services or products.
Enable access to its device's location tracking functionality, whether the Site or Application is running in the foreground (Application or Site open and onscreen) or background (Application or Site open but not on-screen). Certain functionality may be affected while location data is turned off.

We collect several types of information for various purposes to provide and improve our Service to you. The Company stores personal data in secure databases, protected by firewalls and other security measures. The Company also takes reasonable steps to ensure that personal data is only accessible to authorized personnel.

Types of Data Collected

Personal Data: While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data''). Personally identifiable information may include, but is not limited to: Email, Phone number, DOB, and Address.
Supplemental Identification Information: This is used for verification purposes such as government-issued identity documents
Cookies and Usage Data
Usage Data: When you access our Service by or through a device, we may collect certain information automatically, including, but not limited to, the type of device you use, your device's unique ID, the IP address of your device, your operating system, the type of Internet browser you use, unique device identifiers and other diagnostic data ("Usage Data").
Tracking & Cookies Data: We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:
Session Cookies: We use Session Cookies to operate our Service.
Preference Cookies: We use Preference Cookies to remember your preferences and various settings.
Security Cookies: We use Security Cookies for security purposes.

Use of Data

Our Application uses the collected data for various purposes:

To provide and maintain the Service
For research and development
To notify you about changes to the Service
To provide customer support
To prevent fraud and other illegal activities
To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you
To detect, prevent, and address technical issues
To send marketing and non-marketing communications to users
In connection with legal proceedings
To fulfil the purposes for which a User has provided the information or that were described when it was collected, or any other purpose for which a User provides it
For any other purpose with a User's consent

Transfer Of Data

Your information, including Personal Data, may be transferred to — and maintained on — computers outside your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. Any payment transactions will be encrypted (using SSL technology). The safety and security of User data also depends on each User. Where the Company has given a User (or where a User has chosen) a password for access to certain parts of the Resources, each User is responsible for keeping its password confidential. The Company asks each User not to share its password with anyone.  

Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure Of Data

Legal Requirements
We may disclose your Personal Data in the good faith belief that such action is necessary to: 

To comply with a legal obligation
To protect and defend our rights or property
To prevent or investigate possible wrongdoing in connection with the Service
To protect the personal safety of users of the Service or the public
To protect against legal liability

Security Of Data

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security. 

Service Providers

We may employ third-party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services, or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. 

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third-party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children's Privacy

Our Service does not address anyone under the age of 18 ("Children").  

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your children have provided us with personal data, please contact us. If we become aware that we have collected personal data from children without verification of parental consent, we take steps to remove that information from our servers.

Data sharing and disclosure

Some of the Company's products, Services, and features require that we share data with other Users or at a User's request. The Company may share the data, which may include personal data, we collect or a User provides:

With the general public: Questions or comments from Users submitted through public forums such as the Company blogs and the Company's social media pages may be viewable by the public, including any personal data included in the questions or comments submitted by a User.
With the User's Beneficiary: In the event of a transaction, a beneficiary receives a receipt with some personal details of the User, we will share information with the registered beneficiary.
With the Company service providers and business partners: The Company provides data to vendors, consultants, marketing partners, research firms, and other service providers or business partners. These include:
Payment processors and facilitators;
Background check and identity verification providers (as applicable);
Cloud storage providers;
Marketing partners and marketing platform providers, including social media advertising services;
Data analytics providers;
Research partners, including those performing surveys or research projects in partnership with the Company or on the Company's behalf;
Vendors that assist the Company to enhance the safety and security of its applications;
Consultants, lawyers, accountants, and other professional service providers;
Insurance and financing partners;
For legal reasons or in the event of a dispute: The Company may share Users' personal data if we believe it's required by applicable law, regulation, operating license or agreement, legal process, or governmental request, or where the disclosure is otherwise appropriate due to safety or similar concerns. This includes sharing personal data with law enforcement officials, public health officials, other government authorities, or other third parties as necessary to enforce our User Agreement or other policies; to protect the Company's rights or property or the rights, safety, or property of others; or in the event of a claim or dispute relating to the use of our services. This also includes sharing personal data with others in connection with, or during negotiations of, any merger, sale of company assets, consolidation or restructuring, financing, or acquisition of all or a portion of our business by or into another company.

Verify your identity

The Company may request specific information from a User to help the Company confirm its identity and its right to access and to provide such User with the personal data that the Company holds about it or make its requested changes pursuant to applicable privacy law. Applicable privacy law may allow or require the Company to refuse to provide a User with access to some or all of the personal data that the Company holds about such User, or the Company may have destroyed, erased, or made such User's personal information anonymous in accordance with the Company's record retention obligations and practices. If the Company cannot provide a User with access to its personal information, the Company will inform such User of the reasons why, subject to any legal or regulatory restrictions. In order for the Company to verify a User's identity, it will generally either require the successful login to such User's account and/or the matching of sufficient information a User provides to the Company to such User's personal information maintained within the Company's systems. Although the Company tries to limit the personal data collected in connection with a User request to exercise its rights, certain requests may require the Company to obtain additional personal information from the relevant User. In certain circumstances, the Company may decline a request to exercise a User's right to know and right to deletion, particularly where the Company is unable to verify such User's identity. You consent to an electronic database search by us in order to verify your identity. We shall retain records of the contents and results of such searches in accordance with (this Policy and) all current and applicable laws. We further reserve the right, if considered appropriate at our sole discretion, to provide relevant information regarding you and your transactions to law enforcement agencies

Your Data Privacy Rights

Right to Rectification: Users can modify or change their phone number, password, home address, and profile picture via their profile.
Right of Access, Right to Erasure, Right to Restrict Processing: Users can request access or erasure of their personal information, as well as request restriction on further processing of their personal information by deleting their account or contacting us at support@paystro.com. Users may request deletion of their account at any time. Following such requests, the Company deletes the data that it is not required to retain for purposes of regulatory, tax, insurance, litigation, or other legal requirements. For example, the Company retains location, device, and usage data for these purposes for a minimum of 7 years; while it retains such data, it may also use it for purposes of safety, security, fraud prevention and detection, and research and development. In certain circumstances, the Company may be unable to delete a user's account, such as if there's an outstanding credit on the account or an unresolved claim or dispute. Upon resolution of the issue preventing deletion, the Company will delete the account as described above.
Right to Withdraw Consent: Users can stop receiving our promotional emails by following the unsubscribe instructions included in every email we send. Users also have choices with respect to cookies, as described above. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies some parts of our Site may not work properly in your case.
Right to lodge a complaint with a supervisory authority: Should you feel your data privacy rights are not being adequately protected by us, you have the right to lodge a formal complaint with the appropriate supervisory authority.

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. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective, and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.  

Contact us if you have questions regarding your data privacy rights or would like to submit a related data privacy right request, please email us at support@paystro.com Please allow up to 30 days for requests to be processed.  

Contact us if you have any questions about this Privacy Policy, please contact us at: support@paystro.com  

Should you wish to report a complaint or if you feel that the Company has not addressed your concern in a satisfactory manner, you may contact your local Data Protection Authority.  

In the United Kingdom:  

The Information Commissioner's Office  

Wycliffe House, Water Ln  

Wilmslow SK9 5AF, UK  

www.ico.org.uk