Your Privacy Matters: At PointsPay, we are committed to protecting your privacy and ensuring the security of your personal information.
Introduction
Welcome to PointsPay's Privacy Policy. This policy describes how PointsPay Inc. ("we," "our," or "us") collects, uses, shares, and protects your personal information when you use our website, mobile application, and services (collectively, the "Services").
By using our Services, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our Services.
How We Use Your Information
We use your information to:
1. Provide Services
- Process transactions and calculate points
- Manage your digital wallet and payment cards
- Enable receipt scanning and OCR processing
- Provide location-based deals and notifications
- Generate purchase optimization suggestions
2. Improve Services
- Analyze usage patterns and user behavior
- Develop new features and functionality
- Conduct research and analytics
- Test and optimize our platform
3. Communicate with You
- Send transaction confirmations and receipts
- Provide customer support
- Send promotional offers and updates (with consent)
- Notify you of important changes
4. Ensure Security
- Detect and prevent fraud
- Protect against unauthorized access
- Comply with legal obligations
- Enforce our terms and policies
Information Sharing and Disclosure
We do not sell your personal information. We may share your information in the following circumstances:
1. With Your Consent
We will share information when you explicitly authorize us to do so.
2. Service Providers
We share information with trusted third-party service providers who assist us in:
- Payment processing and fraud detection
- Cloud hosting and data storage
- Analytics and performance monitoring
- Customer support and communication
3. Business Partners
We may share limited information with:
- Participating merchants (transaction details only)
- Reward program partners
- Marketing partners (aggregated, anonymized data only)
4. Legal Requirements
We may disclose information when required by law or to:
- Comply with legal processes or government requests
- Enforce our terms and policies
- Protect our rights, property, or safety
- Prevent fraud or illegal activities
5. Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.
Data Security
We implement industry-leading security measures to protect your information:
Encryption
AES-256 encryption for data at rest and TLS 1.3 for data in transit
Tokenization
Payment card numbers are tokenized and never stored in plain text
PCI-DSS Compliance
Full compliance with Payment Card Industry Data Security Standards
Access Controls
Strict access controls and multi-factor authentication for employees
While we strive to protect your information, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security but continuously work to improve our security measures.
Your Privacy Rights
Depending on your location, you may have the following rights:
1. Access and Portability
- Request a copy of your personal information
- Download your data in a portable format
2. Correction and Update
- Update or correct inaccurate information
- Complete incomplete information
3. Deletion
- Request deletion of your personal information
- Close your account permanently
4. Opt-Out
- Unsubscribe from marketing communications
- Disable location tracking
- Opt out of personalized advertising
5. Object and Restrict
- Object to certain data processing activities
- Restrict how we use your information
To exercise these rights, please contact us at privacy@pointspay.com or use the privacy settings in your account.
Cookies and Tracking Technologies
We use cookies and similar technologies to:
- Remember your preferences and settings
- Analyze how you use our Services
- Provide personalized content and ads
- Improve security and prevent fraud
Types of Cookies We Use:
- Essential Cookies: Required for basic functionality
- Performance Cookies: Help us understand usage patterns
- Functional Cookies: Remember your preferences
- Advertising Cookies: Deliver relevant ads (with consent)
You can control cookies through your browser settings. Note that disabling certain cookies may affect functionality.
Children's Privacy
Our Services are not intended for children under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately, and we will delete it.
International Data Transfers
Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place, including:
- Standard contractual clauses approved by regulatory authorities
- Privacy Shield certification (where applicable)
- Adequate data protection measures
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we make changes:
- We will update the "Last Updated" date
- We will notify you via email or in-app notification
- Material changes will be prominently displayed
- Continued use constitutes acceptance of changes
Data Protection Officer: For EU residents, you can contact our Data Protection Officer at dpo@pointspay.com