Privacy Policy

LAST UPDATED

January 3, 2018

This Privacy Policy describes how grink, Inc. (“grink”) and it’s mobile application PayClub collects, uses, stores, shares and protects your information. We know how important privacy is to our users, which is why we only collect the information we need and will not share your personal information with any third parties unless it is necessary. Even within grink, access to your personal information is limited to only those employees who require such information to handle matters relating to compliance, identity verification and customer support.

We may change this Privacy Policy from time to time. When we do make updates, we’ll let you know by changing the date above. If it is a big update, we’ll send you a notification or post a notice on our website. If you ever have any questions about changes made to the Privacy Policy, just reach out to Support at [email protected]

By using the mobile app Payclub, you consent to the practices contained in this Privacy Policy.

  1. Information We Collect

What You Directly Provide Us

When you create a Payclub account, we’ll collect some important details about you such as your name, address, phone number, email, birth date, password, etc.

If you want to link a debit card, credit card or bank account, we’ll need to collect the card number or account/routing numbers and related account information. As Payclub adds additional features, you may also be prompted to provide additional information.

Sometimes we need to request more information to verify your identity or to meet legal and regulatory obligations. When that is necessary, you will be prompted to provide such information.

If Payclub integrates with other platforms, you may be prompted from time to time to grant Payclub access to additional information from such platform (or grant such partner platform access to information you have provided to Payclub). For example, if Payclub implements an integration with a social media platform, you would have the option of linking your account on that platform to Payclub in order to streamline the signup process, populate your contact list or other specified purposes.

What is Automatically Collected

There is some information that is automatically collected as you use Payclub. This information allows us to deliver cool new features, more easily handle your customer support issues and better protect your account. This information includes:

  • Device Information – We collect information about your device, including the type of device (Computer vs. iPhone vs. Android), operating system, mobile phone number, browser type and language, and device identifiers (such as IMEI and MAC address).
  • Location Information – With your permission, we collect your device location so that we can offer you location-based features such as the ability to send funds to nearby Payclub users.
  • Contacts – To make it easier to send money to your contacts, we will – with your permission – collect information from your phone’s address book or other contact lists that you grant us access to (for example, your Facebook friends list).
  • Photos, Videos & Other Media – If you want to attach photos, videos or other media to your payments, payment requests or other communication using Payclub, we require access to the photos on your phone. Any photos, videos or other media you attached will be stored and accessible to Payclub, but we will never download or store any photos, videos or other media from your phone that aren’t attached to payments, payment requests or other communications using Payclub.
  • Message Content – If you include a message with your payments, the content of that message is stored and accessible to Payclub.
  • Transactions – We collect information about your payment activity such as the amount, date, time, recipient for each transaction.
  • Cookies – Like most mobile apps and websites, we use cookies. Cookies are small data files that we place on your device that allow us to identify you as a Payclub user and provide a customized Payclub experience. We use both session and persistent cookies when you access our website or content. Session cookies expire and no longer have any effect when you log out of your account or close your browser. Longer lasting cookies, known as persistent cookies, remain on your browser until you erase them, or they expire. You are free to decline our cookies if your browser or browser add-on permits, but doing so may interfere with your use of Payclub. The help section of most browsers or browser add-ons provides instructions on blocking, deleting or disabling cookies.
  1. Protecting Your Information

Throughout this policy, we use the term “personal information” to describe information that is associated with you or can be used to identify you. We do not consider personal information to include information that has been anonymized.

We protect your information using physical, technical, and administrative security measures to reduce the risks of loss, misuse, unauthorized access, disclosure and alteration. Some of the safeguards we use are firewalls and data encryption, physical access controls to our data centers, and information access authorization controls. Sometimes to better secure your information and use it for the purposes contemplated by this Privacy Policy, certain personal data may be stored with our third-party partners and service providers. All our physical, electronic and procedural safeguards are designed to comply with applicable laws and regulations.

  1. How We Use Your Information

We collect all this information so that we can provide you with a safe and seamless way to make and receive payments. The information we collect allows us to:

  • Deliver the full range of payments and functionality of the Payclub product;
  • Keep in touch with you – whether it be for providing customer service, notifying you of cool new features that have been added to the mobile apps, or providing security notices or information;
  • Verify your identity so that we can prevent fraud or unauthorized activity;
  • Improve Payclub or add new product features by analyzing usage trends;
  • Personalize the Payclub experience by matching product features to things that we think you specifically might be interested in; and
  • Fulfill any other purpose for which the information was collected.

We will never sell or rent your personal information to third parties. We may combine your information with information we collect from other companies and use it to improve and personalize the Services, as well as our content and advertising.

  1. How We Share Your Information

Sharing with Third Parties

To provide you with the Payclub product and meet our legal and regulatory obligations, we may share the information we collect as detailed below:

  • If you link a debit card, credit card or bank account, we will share your account information with our banking partners so that we can process payments. To make adding an account as easy as possible, we’ve partnered with Plaid Technologies, Inc. (“Plaid”), who will receive your account information during this process. All information shared with Plaid will be treated in accordance with Plaid’s own privacy policy, which can be found at https://plaid.com/privacy. We have also partnered with Dwolla to facilitate, verify, and complete payment transactions. All information shared with Dwolla can be used in accordance with their own privacy policies which can be found at https://www.dwolla.com/legal/privacy.
  • To prevent fraud, we will sometimes need to share your information with third party identity verification services. This lets us make sure you are who you say you are, by comparing the information you provide us to public records and other third-party databases.
  • To improve Payclub’s functionality, we will sometimes share information with service providers that help us analyze how people are using the app. This allows us to refine popular features and improve or eliminate features people don’t use.
  • We may need to share your information with law enforcement or government officials. We will only do this when we are compelled to do so by a specific regulation, subpoena, court order or formal request, or we otherwise believe in good faith that we need to share such information to prevent physical harm, financial loss, or are obligated to report illegal activity.
  • From time to time Payclub may partner with other companies (“Partners”) to allow you to send and receive money with individuals that are customers of such Partners and not Payclub. To complete these transactions, we will need to share information regarding your account (such as name, email address, phone number and date of birth) with the applicable Partner so they can meet their legal and regulatory obligations. Your information will only be shared with such Partners to the extent you actually transact or interact with customers of such Partner.
  • To complete third party financial, technical and legal audits of Payclub’s operations, we may need to share information about your account as part of such review.
  • If Payclub merges with or gets acquired by another Company, they will have access to the information you have provided to us. If this happens, we will require that the new entity follows this Privacy Policy and will notify you of any such change.
  • We will share your information with other third parties if you specifically authorize us to do so.

Sharing with Other Payclub Users

To make Payclub payments about more than just sending money from A to B, we will share additional information with other Payclub users, but only to the extent that you give us permission to do so. This information includes:

  • Transaction Details – At the risk of stating the obvious, when you send someone a payment or payment request, they will be provided with the details of that transaction, including the payment amount, currency, date, time and a unique transaction ID number.
  • Messages & Photos – If you attach a message or photo, video or other media to a payment, payment request or other communication using Payclub, that information will be visible to the person(s) receiving the payment. You should know that the recipient of a message or photo (or other media) can always save them – so don’t send anything you wouldn’t want shared publicly.
  • Your Identity & Photo – For other Payclub users to transact with you (sending money, receiving money, requesting money, etc.) they will be able to see your full legal name. If you upload a profile photo or avatar to your account, this will also be visible to other Payclub users. If Payclub adds additional features that allow you to share more identity information, further information may be shared if you opt in to such features.
  • Location – If you have your location enabled in your settings, the location from which a payment was initiated may be visible to the recipient. This also lets other users take advantage of the “nearby users” function, which makes it easier for them to send you a payment if you’re nearby and not otherwise in their contacts.
  • Status as a Payclub User – Other Payclub users may be able to see that you have a Payclub account. This lets them know they can send you a payment and you will receive it instantly without having to first set up a Payclub account.
  • Sharing of Transactions – In the future, Payclub may give users the ability to share certain payment information through group payments, a public feed, social media integration or other means. The information may include sender, recipient, date and time of transaction, avatars, location, media or other information regarding the transaction. If this feature is enabled, you will be able to determine how much information is shared in your account settings or opt out of sharing information by not using such features.
  • Other Information – As we add new product features, there may be additional information that is shared with other Payclub users. If those new features require sharing any personal information, we’ll always get your permission first and will do our best to allow you to disable such features in your account settings. We’ll also provide information to other Payclub users if you specifically request that we share such information.
  1. How to Change or Delete Your Information

If you need to add or change any information, you can just log in to your Payclub account and make the change in your settings. If it doesn’t look like you can make the change on your own, just reach out to Support and we’ll take care of it.

If you want to know what information we’re keeping on you, check out the categories listed above. We can also provide you with a copy of this information, but we won’t include any sensitive financial information.

If you want to close your Payclub account, know that we are required to retain certain information you have provided for a number of years.

  1. Children’s privacy

Unfortunately, if you’re under 13, you can’t use Payclub. So, we don’t knowingly solicit or collect information from anyone under 13. If we become aware that a child under the age of 13 has provided us with personal information, we’ll delete it immediately.

  1. Questions?

If you have any questions about this Privacy Policy, feel free to reach out to Support.