This Privacy Policy applies to all myxpay (“Myxpay”) websites, applications, promotions, products and services (collectively, the “myxpay Service” or the “Service”), including all those that link to this Privacy Policy, and describes how myxpay collects, uses, shares, transfers, stores, retains, or otherwise processes your personal information. This Privacy Policy also applies to any surveys, rewards, promotions, sweepstakes, contests, referrals, or other marketing activities conducted by myxpay or in connection with the myxpay Service (collectively “myxpay Marketing”). This Privacy Policy does not apply to any third party website or service that myxpay does not own or control. Capitalised terms not defined in this Privacy Policy have the meanings given to them in myxpay’s General Terms. Please review this Privacy Policy carefully. myxpay will share your information only as described in this Privacy Policy, or as permitted by law. myxpay will not sell, lease, rent, or trade your personal information to any third party for that party’s marketing or promotional purposes.

If you are an individual, or are acting on behalf of an individual, using the service for personal family or household purposes, please read our Consumer Privacy Policy to understand our privacy practices and the privacy choices available to you.

By continuing to use the Service or participating in myxpay Marketing after being provided with this Privacy Policy, you consent to myxpay’s policies and practices as described herein.

This Privacy Policy explains:

• Information we collect and the sources from which we collect it
• How we use the information we collect
• How we share the information that we collect
• How long we retain information
• How to cancel or make changes to your myxpay account
• Cookies and third party technologies
• How you can manage your privacy choices
• How we protect the security of your personal information
• International transfers
• Notices to consumers
• Information for children under the age of 18
• Updates to this Privacy Policy
• How to contact us
• Supplemental Privacy policy to California Consumers

Information we collect and the sources from which we collect it

myxpay collects information about you from:

• you;
• your use of the Service or your participation in myxpay Marketing;
• and third parties.

Information that We Collect from You

Account Information.When you sign up for a myxpay account or Register as a myxpay User, we collect contact and identifying information about you, including but not limited to: your name; billing address; phone number; email; Tax Identification Number or Personal Identification Number (collectively, “TIN”); date of birth (natural persons); government- issued identification (natural persons); and Organisation information, including company name and address, formation documents, business license, tax documents (where applicable), phone number and business email address. We collect information from you when you use the Service, contact us for support, or provide us with feedback on the Service. As we introduce new products, services or features, we may collect new and different types of information from you when you use the Service or contact myxpay in connection with your account.

US PATRIOT / OTHER SIMILAR LAWS.To help fight the funding of terrorism and money laundering activities, the law requires we obtain, verify, and record information that identifies every customer. What this means for you: When you use the Service, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your personal governmental ID, or other identifying documents, such as business related documents. We will let you know if additional information is required.

Financial Information.When you use the myxpay Service to make or receive payments, we collect certain financial information from you, such as bank routing and account information, including bank statements and verification of bank account ownership, and/or a credit or debit card to bill Service Fees. We may also collect information to verify financial condition.

Information about your Customers and Vendors.We may collect information from you about your Customers and Vendors, including but not limited to name, address, email address, phone number, TIN, and financial information, based on your use of the Service and payment instructions.

Payment transaction information.When you request, make, receive, record, or otherwise process a payment through the myxpay Service, we collect information about the payment transaction and the transacting parties, such as the date, time and location(s) of the transaction, identifying information of the sender and recipient, the payment or transfer amount(s), bank account information for the sender and/or recipient, a description of the transaction, and the Service Fees charged by myxpay.

Feedback.We collect information that you choose to provide to us in connection with your feedback about myxpay or the myxpay Service, including through your use of the myxpay Service or your participation in myxpay Marketing.

Online forms.We collect the information that you provide to us through online forms.

myxpay marketing participant information.We collect the information that you provide voluntarily in connection with your participation in any myxpay Marketing.

Other.When you use the myxpay Service or otherwise engage with myxpay, even if you do not establish or use a myxpay account, we may collect information about you, such as name, email address, phone, and mailing address. We may also collect information from you when you visit our Website.

Information We Collect from Your Use of the myxpay Service

Device information.We collect information about your device when you install, access, or use the myxpay Service on that device. The device information that we collect may include IP address, hardware model, operating system information, myxpay app version, browser information, and mobile network. Your device may also allow us to collect and use information received through device-based settings, such as access to your contacts, camera, or photos, based on your settings. See the “How you can manage your privacy choices” section below for additional information on managing your device settings.

Geolocation information.When you use with the Service, we collect the location of the device that you are using to access myxpay.

How you interact with the myxpay Services.We collect information about how you access and use the Service, including but not limited to: your IP address; the domain name of the Internet Service Provider you use; and the date(s) and time(s) you access the Service; the pages you access and view; any term(s) you search; and the individual address of the device that you use to interact with the myxpay Service.

Information from third parties you choose to interact with through myxpay.We collect information about you from third parties with whom you interact through the myxpay Service, including but not limited to your Vendors or Customers. Information We Collect about You from Third Parties

Identify verification.We collect information about you from third parties as required and permitted by law, including but not limited to for purposes of verifying your identity and/or complying with anti-money laundering and anti-terrorism financing laws, “know your customer” regulations, and OFAC sanctions requirements.

Compliance and fraud.We collect information about you from third parties for purposes of fraud detection and prevention, in connection with certain types of investigations, or as otherwise permitted by law to ensure the safety and security of the Service.

Address and Organisation Information.We collect information about you or your Organisation from commercially available sources to ensure your account information, for example your address, is accurate and up-to-date.

How we use the information we collect

We use the information that we collect for purposes of:

• providing the myxpay Service;
• improving the Service
• maintaining the security of the Service and our network;
• as required or permitted by law.;

To Provide the myxpay Service

Registering your account.When you create a myxpay account or enrol as a myxpay account User, we use the information that we collect about you, including any identifying information or financial information, for purposes related to the review, establishment, provision, administration, maintenance and monitoring of your myxpay account or your use of the Service. We also use this information to verify your identity and your eligibility to use the myxpay Service, and to comply with applicable law.

Providing our Service to you.We use the information that we collect about you, together with information that you provide about your Customers and Vendors and the content that you upload to the Service, to provide the Service to you in accordance with your instructions and myxpay account settings and elections. We also use your information to process payments requested by you and to provide you with transaction history and account information.

Providing customer service and technical support.We use your information, including your name, phone number, email address, account number, payment history and device information, to process and respond to your requests or inquiries, and to provide you with customer service, technical support, or Software updates.

Communicating with you.We will use your information to contact you about the Service or your myxpay account, and to provide you with security, technical, support and administrative messages, including, where necessary, for purposes of multi-factor authentication. If we call, you grant us permission to call you or communicate via text using our third party communications provider sayHola secure App system. Note, myxpay may, without further notice or warning and in its sole discretion, where permitted by law, monitor or record telephone conversations between myxpay or its agents and you or anyone acting on your behalf, for quality control and training purposes or for myxpay’s protection.

To Improve the myxpay Service

Improving and Developing the Service.We aggregate your information, including your payment transaction information and your feedback to myxpay, with information from other myxpay users and use that data to improve the Service, to develop new myxpay products or features, and to enhance the quality of the Service. We use this information to provide you with a better experience, to administer the Service, to improve the quality and value of the Service, and to gather broad demographic information about how the Service is used.

To Maintain a Secure Environment

Protecting your Account. We use the information we collect from you to prevent, detect, investigate, and report fraud or security incidents related to your use of the Service or your myxpay account. We use your information to investigate any error, unauthorised transaction, or other fraud or security incident that we discover or that you report to us.

Ensuring the reliability, safety and security of the Service.We use the information that we collect to comply with and enforce our General Terms and all laws and regulations applicable to the Service. We use the information that we collect to secure and protect the integrity of our network, prevent unauthorised access to the Service, help diagnose and troubleshoot potential malfunctions, and otherwise secure the Service.

As Required or Permitted by Law

We may use the information that we collect about you as required or permitted by law. Such uses include but are not limited to compliance with anti-money laundering and anti- terrorism financing laws, “know your customer” regulations, and OFAC sanctions requirements.

How we share the information that we collect

We share your information:

• with third parties that you authorise;
• with our partners and service providers;
• as required or permitted by law;
• with your consent.

With Third Parties That You Authorise

With third parties you choose to interact with through myxpay.We share your information with third parties that you choose to interact with through the myxpay Service, including but not limited to your Vendors or third-party communications sites we use to provide you Services. This Privacy Policy does not apply to collection, storage, or other processing of your information by third parties. The privacy practices of third parties, such as accounting software providers or social media sites, are governed solely by their privacy policies and terms of use. To understand how third parties process and protect your information, we recommend that you review their privacy policies, terms of use, and websites.

Fraud prevention.We may share information about changes to your myxpay account, such as changes to a bank account or to your address, with your Vendors or Customers for purposes of fraud prevention and detection.

With Our Third Party Service Providers and Partners

With our third-party service providers and business partners.
For example, myxpay may use sayHola (“sayHola”) as a communications system to correspond with You. By using the Service, you grant us and sayHola the right, power, and authority to access and transmit information obtained by us to you for purposes related to the myxpay Service. This Privacy Policy does not apply to collection, storage or other processing of your information by sayHola, which is governed solely by the sayHola Privacy Policy.

As Required or Permitted by Law

As required by law. We will share your information with third parties as required by law. When required, myxpay cooperates with government, law enforcement, and private third party requests for information as we, in our sole discretion, determine is reasonably necessary to comply with any applicable law, regulation, government request or legal process, including but not limited to subpoenas.

As permitted by law.We may share your personal information as permitted by law, including, but not limited to, as we, in our sole discretion, believe necessary or appropriate to ensure the security and confidentiality of the Service, to prevent, detect or respond to fraud or security incidents, to respond to claims and legal process, to protect the property or rights of myxpay or a third party, to protect the safety of the public or any person, or to prevent or stop any illegal, unethical or legally actionable activity.

In connection with business transactions or corporate changes.The information that we collect in connection with the Service is a business asset. As a result, we may share or transfer your information if we enter bankruptcy or are party to a business transaction, such as a merger, acquisition, reorganisation, or asset sale.

With Your Consent

We may share your information at your direction or with your consent.

How long we retain information

myxpay will retain your information in accordance with our internal records retention and management policies and procedures, including as necessary to provide you with the Service or administer your myxpay account, or as long as necessary to comply with our legal obligations, resolve disputes, reserve our legal rights, and enforce our agreements.

How to cancel or make changes to your myxpay account

You can update, correct, or restrict processing of the information associated with your myxpay account at any time. You can make such changes through the Service, or you can request changes to your account information by contacting myxpay Customer Support through our customer support portal. You understand that if you restrict processing of the information associated with your myxpay account, you may lose access to certain features and functionalities of the Service, including but not limited to the ability to request or send payments through the Service.
You may cancel your myxpay account at any time through the Service, or by contacting myxpay Customer Support through our customer support portal. See our General Terms for more information on canceling your myxpay account. After cancellation of your account, this Privacy Policy will continue to apply to any information collected about you by myxpay.

Cookies and third party technologies

myxpay and our third-party service providers set and use cookies and similar technologies to store and manage user preferences, enable content, gather analytic and usage data. A cookie is a small text file that is placed on a computer or other device, and is used to identify the device and to collect information.
Cookies are typically assigned to one of the following categories, depending on their function and intended purpose:

• Essential cookies enable you to navigate our Website and to use the Service. Without these cookies, our Website will not perform as smoothly for you as we would like, and we may not be able to provide certain core functions and features.
• Analytics cookies collect information about the use of our Website and application, and enable us to improve the way our Service works. For example, analytics cookies show us the most frequently visited pages and analyse site traffic. We use them to analyse broad trends and patterns of usage on our Website, rather than to monitor the usage of any particular individual.

We use third-party service providers, including sayHola Private Communications App. This allows us to: to communicate with you, including for purposes of real-time communication through the chat feature.
Most browsers are set up to accept cookies automatically. You can deactivate the storing of cookies or adjust your browser to inform you before the cookie is stored on your computer.

How you can manage your privacy choices

Updating your account information.You can access, update, change, or correct your account information at any time by accessing your profile through the Service or by contacting myxpay Customer Support through our customer support portal. You can also change your email preferences through your myxpay account profile settings at any time.

Device settings.The device that you use to interact with the Service may have setting options that can be enabled or disabled to allow the myxpay Service to access and use certain information and features on your device, such as mobile app push notifications, your contacts, camera, or photos. You can adjust your device setting if you do not want myxpay or the Service to have access to this information or these features. You can also adjust your device or browser settings to block or provide notice of Cookies on your browser or mobile device. Please note, however, that disabling or limiting certain cookie settings on your device or browser may prevent you from interacting with some or all of the features of the Service, or may require you to do additional authentication.

If you sync or connect your myxpay account with third party services.If you choose to sync or connect your myxpay account with third-party services, we will share your information with the third-party service provider. If you do not want us to share your information with these third parties, you can choose not to sync or connect your myxpay account with the third party service.

Community forums.myxpay may offer blogs and publicly accessible community forums through our Third-Party associations. You should be aware that any information you provide in these forums may be read, collected, and used by others who access them. You are bound by these third-party Privacy Policies.

How we protect the security of your information

myxpay is committed to protecting the security and privacy of your information. myxpay recognises the importance and confidentiality of your information. We have implemented technical, administrative, and physical security measures designed to protect your information from unauthorised access, disclosure, use, and modification. Please be aware however that no security measures are perfect or impenetrable.

International transfers

Your information may be transferred to and maintained on computers located outside of your region, province, state, country or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. If you are located outside the United States and choose to provide information to us, we may transfer such information to the United States or other jurisdictions for processing. Your submission of such information represents your consent to that transfer.

Notices to consumers - See forms at this site location

myxpay’s EFT Agreements
Consumer Privacy Policy

Information for children under the age of 18

Persons under the age of 18 year are not eligible to use, access or otherwise interact with myxpay or the Service. If we become aware that a child under the age of 18 has created an account with us or is otherwise using the Service, we will take steps to remove access, disable the account, and delete any information related to the child as soon as reasonably possible.

Updates to this Privacy Notice

This Privacy Policy may be updated periodically and will be posted on the Website, indicating when it was last updated. If there are material changes to our Privacy Policy, we will post a notice on our website and/or provide other notice as required by law. If you object to any changes to this Privacy Policy, you can cancel your account at any time. See the “Canceling or making changes to your account” section above for more information on canceling your account.

How to contact us

If you have any questions or concerns about this Privacy Policy or about how myxpay collects, uses, or otherwise processes your information, you can reach myxpay Customer Support through our customer support portal.