Co-Op Solutions | Privacy Policy

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CO-OP Solutions LLC and its affiliates, subsidiaries, and other related or controlled companies (collectively “CO-OP Solutions”, “we”, “us” or “our”) respect the privacy of personal information of our users.

This Privacy Policy applies to websites owned and operated by CO-OP Solutions, including www.co-oppayments.com, as well as our applications and mobile optimized versions of our websites (collectively the “Websites”).

We may share information among our subsidiaries or Websites that we own or control, but information collected under this Privacy Policy is always protected under the terms of this Privacy Policy.

We provide payment services that enables merchants and consumers to conduct online payment transactions (the “Services”) along with the information made available through our Websites, applications and payment platforms.

Please read this Privacy Policy carefully as it is legally binding when you use our Services and Websites, and with your use of our Services and Websites you confirm that you have read and understand this Privacy Policy and you acknowledge that we will store, use and otherwise process your information.

This Privacy Policy explains what information we collect about you and about your use of our Websites and our Services. It will explain the choices you have about how your personal information is used and how we protect that information. Personal information refers to information such as a name or email that can be used to identify an individual.

Some of our Services do not retain your personal information, while others store your personal information in accordance with this Privacy Policy. Even if you do not register with or provide any personal information to us, we collect information about your use of our Services and Websites.

You are responsible for ensuring the accuracy of the personal information that you submit to us. If you do not want us to collect, use or disclose information about you and your use of our Services and Websites as described in this Privacy Policy, then you should not use our Services or Websites.

This Privacy Policy does not apply to third-party websites, products or services, even if they link to our Services or Websites, and you should review the privacy practices of those third-parties carefully.

We may update this Privacy Policy from time to time to reflect changes to our information practices. If we make any material changes, we will notify you by email (sent to the email address specified in your account) or by means of a notice on our Websites prior to the change becoming effective. We encourage you to periodically review this Privacy Policy Webpage for the latest information on our privacy practices.

We are serious and committed to protecting our customers' personal information, privacy and security. We use secure servers to store your personal information. All information you provide to us is stored on our secure servers. All payment transactions will be encrypted using Transport Layer Security technology.

As you are aware, the transmission of information via the internet is not completely secure. Although we will do our utmost to protect your personal data, we cannot guarantee the security of your data during transmission, and any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

We maintain physical, electronic and procedural safeguards that comply with relevant laws and regulations to protect your personal information from unauthorized access. We restrict access of your personal information to staff, and we continuously educate and train our staff about the importance of confidentiality and privacy of customer information.

WHY WE COLLECT INFORMATION AND DATA

We collect, process and retain personal information from you and any devices you may use when you use our Services or Websites, or you provide it to us on a web form, when you update your information or otherwise correspond with us regarding our Services. Additionally, we may collect personal information from third parties. We collect information for the following purposes:

To process your transactions and contact you, as necessary.
To verify your identity.
To collect payment for your use of the Service.
To troubleshoot problems with the Service.
To detect and prevent fraud and other illegal uses of our Services and Websites.
To enhance and simplify the user experience.
To send you marketing notices, service updates, and promotional offers.
To send transaction alerts to you and/or the recipient of your remittance or payment.
To detect and prevent fraud and other illegal uses of our Services and Websites.

HOW WE COLLECT INFORMATION

We collect personal information:

Directly provided by you when you use our Services or Websites.
Automatically through your use of our Services and Websites.
From using cookies, web beacons, and similar technologies.
From other third party sources.

INFORMATION YOU GIVE US

The information that we collect directly from you includes:

Information that you provide us when you sign up to use our Services, such as your name, address, email address, and telephone number. This also includes information you provide through your continued use of our Services and Websites, participate in discussion boards or other social media functions on our Websites or Apps, enter a competition, promotion or survey, and when you report a problem with our Services. The information you give us may include certain sensitive information including financial information (including credit card, debit card, or bank account information), date of birth and social security number, and other identification documents. We may request to validate your identity through personal description and photographs for the safety and security of establishing an account with our Services.
We may also need additional commercial and/or identification information from you, for example if you send or receive certain high-value or high volume transactions, or as needed to comply with our anti-money laundering obligations under applicable law.
To facilitate our Services, we request certain third party personal information from you such as a recipient's full name, physical address, email address, and phone number. We may also collect from you the recipient's sensitive financial information including their name, bank account and routing numbers. If you give us personal information about someone else, you must do so only with their explicit and prior consent. You have to inform them how we collect, use, disclose and retain their personal information according to our Privacy Policy.
Information about your usage of our Services and Websites, including your transaction history, and how you choose to pay/fund remittances, make payments, load digital wallets, send or receive money, along with the recipient’s collection method.

You decide how much information to share with us in most cases, but not sharing required information may limit your ability to engage in certain activities, such as payment information required to complete a transaction.

INFORMATION COLLECTED AUTOMATICALLY

When you use or interact with our Services and Websites, we receive and store information generated by your activity, like usage data and other information automatically collected from your browser or mobile device and store it in log files.

The Information that we automatically obtain from you includes:

Details of the transactions you carry out when using our Services and Websites, including geographic location from which the transaction originates.
Information about the hardware and software you use when accessing the Services and Websites.
Technical information, including the internet service provider (ISP), the Internet protocol (IP) address used to connect your computer to the Internet, your login information, browser type and version, time zone setting, geolocation data obtained from your mobile device, browser plug-in types and versions, operating system and platform.
Information about your visit, including the full Uniform Resource Locators (URL) clickstream to, through and from our Websites or Apps (including date and time), the products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), and methods used to browse away from the page.
The phone number used to call our Customer Support service.

We may combine this automatically collected log information with other information we collect about you. We do this for verification, authentication and security, and to improve marketing, analytics, or website functionality.

INFORMATION WE RECEIVE FROM OTHER SOURCES

We may supplement the information we collect with personal information from third parties. For example, we may collect and use demographic information that is publicly available, additional contact information, and information obtained by identity verification services and credit reporting agencies, as allowed by applicable laws.

For example, we may receive information about you from:

The banks you use to transfer money to us will provide us with your basic personal information, such as your name and address, as well as your financial information such as your bank account details.
Business partners may provide us with your name and address, as well as financial information, such as card payment information.
Advertising networks, analytics providers and search information providers may provide us with pseudonymised information about you, such as confirming how you found our website.
Credit reference agencies do not provide us with any personal information about yourself, but may be used to corroborate the information you have provided to us.

INFORMATION FROM SOCIAL MEDIA PROVIDERS

Our Websites include social media features, such as Facebook, LinkedIn and Twitter buttons and widgets or interactive mini-programs that run on our Websites. These features may:

Collect your IP address, which page you are/were visiting on our Websites; and
Set a cookie to enable a feature to function properly. Social media features and widgets are either hosted by a third party or hosted directly on our Websites.

If you log in to our Services or Websites using your social media account (for example, Facebook or Google), we will receive relevant information that is necessary to enable our Services and Websites and authenticate you. The social media network will provide us with access to certain information that you have provided to them, including your name, profile image and email address. We use such information, together with any other information you directly provide to us when registering or using our Services and Websites, to create your account and to communicate with you about the information, products and services that you request from us.

We may also specifically request that we have access to the contacts in your social media account, so that you can send a referral link to your family and friends. We will use, disclose and store all of this information in accordance with this Privacy Policy. Social media websites may also give us automatically access to certain personal information retained by them about you, such as content viewed by you, content liked by you, or content you have clicked on. Your interactions with these social media websites are governed by the privacy policy of the company providing it.

INFORMATION COLLECTED USING COOKIES, WEB BEACONS, AND SIMILAR TECHNOLOGIES

Cookies, beacons, tags and scripts are used by us and our partners, affiliates, or analytics or service providers. These technologies are used:

To enhance and simplify the user experience on our home page and throughout our Websites, for authentication purposes and to remember user settings, such as language and country preferences.
To analyze trends, administer the Websites, track user movement around the Websites and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as an aggregated basis.
Our Services and Websites use cookies to distinguish you from other users. This helps us to provide you with a quality experience and allows us to improve our Services and Websites. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our Services and Websites, but your ability to use some Services features or areas of our Websites may be limited.

INFORMATION USES

We use your information in the following ways:

To carry out our obligations relating to your agreement with us and to provide you with the information, products and services.
To comply with any applicable legal and/or regulatory requirements.
To notify you about changes to our Services or Websites.
As part of our efforts to keep our Services and Websites safe and secure.
To administer our Services and Websites and for internal operations, including troubleshooting, data analysis, testing, research, statistical and survey purposes.
To improve our Services and Websites and to ensure that they are presented in the most effective manner.
To measure or understand the effectiveness of advertising we serve and to deliver relevant advertising to you.
To allow you to participate in interactive features of our Services and Websites, when you choose to do so.
To provide you with information about other similar goods and services we offer.
To provide you, or permit selected third parties to provide you with information about goods or services we feel may interest you.
To combine information we receive from other sources with the information you give to us and information we collect about you. We may use this information and the combined information for the purposes set out above (depending on the types of information we receive).

WHEN MAY WE SHARE OR DISCLOSE YOUR PERSONAL INFORMATION

We do not sell, share or rent the information we collect to third parties for their promotional purposes unless we receive your permission to do so. Nevertheless, we may share information about you, including non-public and non-personally identifiable information with:

Third-party service providers under contract with us that help us with our business operations, such as transaction processing, fraud prevention, collections, email communications, live chat and marketing. These service providers are authorized to use your personal information only as necessary to provide these services to us.
Third-parties that we partner with to offer additional products and services, such as financial services, but only when you elect to receive information about those additional products and services.
In the event of the sale, acquisition or merger of some or all of our assets, your personal information might be a part of the transferred assets. We shall notify you in the event of such an occurrence by placing a notice on our Websites.
Law enforcement and government officials, but only in connection with a formal request, subpoena, court order, or similar legal procedure, as well as circumstances where we believe in good faith that disclosure is necessary to comply with the law, report suspected illegal activity, or investigate violations of our terms and conditions per our agreements.

Our Services and Websites may, from time to time, contain links to and from websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility for them. Please check these policies before you submit any personal information to these websites.

PERSONALIZED ADVERTISING AND MARKETING COMMUNICATIONS

Our Websites may contain links to other websites. We are not responsible for the privacy practices or the content of these other websites. We encourage you to familiarize yourself with the privacy practices of these other websites prior to submitting your personal information to them.

We also may choose to partner with third party ad networks to either display advertising on our Websites or to manage our advertising on other websites. Our ad network partners may use cookies and web beacons, to collect non-personally identifiable information about your activities on our Websites to provide you targeted advertising based upon your interests. If you wish not to have this information used for serving you targeted ads, you may opt-out by contacting us. Please note this does not opt you out of being served advertising. You will continue to receive generic ads.

We may choose to use Google AdSense to publish ads for and on our Websites. When you view or click on an ad, a cookie will be set to help better provide advertisements that may be of interest to you on our Websites. You may opt-out of the use of this cookie by visiting Google’s Privacy Controls page: https://safety.google/privacy/ads-and-data/

TESTIMONIALS AND REFERRALS

We may display personal testimonials of satisfied customers on our Websites in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us via the details mentioned in the “Contact Us” section of our Websites.

If you choose to use our referral service to tell a friend about our Services or Websites, we will ask you for your friend’s name, email address and phone number. We will automatically send your friend a one-time email inviting them to visit our Websites. We store this information for the sole purpose of sending this one-time email, and for tracking the success of our referral program.

WITHDRAWAL OF CONSENT

Jurisdictional laws may allow you to restrict the sharing of your personal information in certain instances. However, many of these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:

If, after giving us your permission to share your personal information with third parties, with whom we market our jointly offered products, you later decide that you no longer want us to share such information, you may contact us by email or by mail.
You may also opt-out from promotional emails to you by accessing your email preferences & selecting the "unsubscribe" function present in each email we send out.

ACCESS TO YOUR PERSONAL INFORMATION AND RETENTION

We will honor any statutory right you may have to access, modify or erase your personal information. Where you have a statutory right to access, modify or erase your personal information, we can still withhold that access or decline to modify or erase your personal information in some cases and in accordance with applicable national laws, but will give you reasons if we do so.

You can access, modify or update or delete your personal information submitted on our Websites by logging into your account and changing your preferences. You may also contact us using the “Contact Us” section of our Websites.

We will retain your information for as long as your account is active or as needed to provide you with our Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

PERSONAL DATA STORAGE

The data that we collect from you may be transferred to and stored at various destinations around the world. The data may also be processed by staff who work for us or for one of our suppliers in the various jurisdictions. Such staff maybe engaged in, among other things, the fulfillment of your payment order, the processing of your payment details and the provision of support services. By submitting your personal data, you agree to this transfer, storing or processing. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy.

SECURITY MEASURES

We protect your information using administrative, organizational, physical and technical safeguards, including firewalls and data encryption, to reduce the risk of loss, misuse, unauthorized access, disclosure and alteration. Our security controls are designed to maintain an appropriate level of data confidentiality, integrity, and availability, as well to abide and comply with the Payment Card Industry Data Security Standard (PCI DSS). We regularly test our Websites, data centers, systems, and other assets for security vulnerabilities for the continued protection of your personal data.

DATA TRANSFERS TO OTHER COUNTRIES

We use service providers throughout the world. In order to provide our Services to you, it is sometimes necessary for us to transfer your personal information to, store or access it in, jurisdictions that may not provide equivalent levels of data protection as your home jurisdiction. In these cases, we ensure that both partners and ourselves take adequate and appropriate technical, physical, organizational and contractual security measures in place to protect your data.

If you are located in the European Economic Area, we provide adequate protection for the transfer of personal information to countries outside of the EEA through a series of inter-company agreements based on the Standard Contractual Clauses authorized under the EU Data Protection Directive 95/46/EC.

PROFILING AND AUTOMATED DECISION MAKING

We may use some parts of your data in order to customize our Services, Websites and the information we provide to you, and to address your needs, such as your transaction history, and we may use the information to inform you of new product updates or features that may be useful for you. When we do this, we take all necessary measures to ensure that your privacy and security are protected, and we only use pseudonymised data wherever possible. This activity has no legal effect on you.

We may use Automated Decision Making (ADM) applications in order to improve your experience, or to help combat financial crimes. For example, we may use ADM to verify your identity documents, or to confirm the accuracy of the information you have provided to us. None of our ADM processes has a legal effect on you.

DATA RETENTION

Our Services and the subsequent data processed by our financial institutions is required to be in compliance with anti-terrorism and anti-money laundering laws and regulations that require us to retain transaction records for a specific period of time.

YOUR RIGHTS

You have the right to ask us not to contact you for marketing purposes by contacting us at inquiries@co-opsolutions.com, or by adjusting your notification preferences in the “Settings” section of your account page. You have the right to correct any personal information we have on you that is inaccurate, incorrect, or out of date. You have the right to ask us to delete your data when it is no longer necessary, or no longer subject to a legal obligation to which we are subject to. You have the right to transfer your personal data between data controllers, for example, to move your account details from one online platform to another.

ACCESS TO INFORMATION

Subject to applicable laws, you may have the right to access information we hold about you. Your right of access can be exercised in accordance with the relevant data protection legislation.

CHANGES TO OUR PRIVACY POLICY

Any changes we may make to our Privacy Policy will be posted on our Privacy Policy pages and, where appropriate, we will notify you via email. Please check back frequently to view any updates or changes to our Privacy Policy.

CHILDREN’S PRIVACY

We do not offer Services to minors and do not knowingly collect personal information from children under the age of 13. Therefore, in accordance with the U.S. Children’s Online Privacy Protection Act, if we receive actual knowledge that anyone under the age of 13 has provided personal information to us without the requisite and verifiable parental consent, we will delete that information from the Websites as quickly as is reasonably practical. If you believe we have collected information from your child in error or have questions or concerns about our practices relating to children, please notify us using our “contact us” pages and we will promptly respond.

CONTACT US

If you have questions or concerns regarding this Privacy Policy, or would like to update information we have about you or your preferences, please contact us via the following methods:

Email: inquiries@co-oppayments.com
Telephone: +1(561) 419-2509
Postal Service:
CO-OP SOLUTIONS LLC
980 North Federal Highway, Suite 40
Boca Raton, FL 33432 USA