Privacy

Your Privacy Rights

This Privacy Policy describes your privacy rights regarding our collection, use, storage, sharing and protection of your personal information. It applies to the tangiblepayments.com website and all related sites, applications, services and tools regardless of how you access or use them.

You accept this Privacy Policy when you sign up for, access, or use our products, services, content, features, technologies or functions offered on our website and all related sites, applications, and services (collectively “Tangible Payments Services”). We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it.

How we collect information about you

When you visit the tangiblepayments.com website or use Tangible Payments Services, we collect information sent to us by your computer, mobile phone or other access device. The information sent to us includes data on the pages you access, your computer IP address, device identifiers, the type of operating system you’re using, your location, mobile network information, standard web log data and other information. Web log data includes the browser type you’re using and traffic to and from our site. When you visit the tangiblepayments.com website or use Tangible Payments Services, we also collect information about your transactions and your activities.

In addition, if you open a Tangible Payments account or use Tangible Payments Services, we may collect the following types of information:

  • Contact information, such as your name, address, phone, email and other similar information.
  • Financial information, such as the full bank account numbers and/or credit card numbers that you link to your Tangible Payments account or give us when you use Tangible Payments Services.
  • Detailed personal information such as your date of birth or social security number.
  • We may also obtain information about you from third parties such as credit bureaus and identity verification services.

You may choose to provide us with access to certain personal information stored by third parties such as social media sites (e.g., Facebook and Twitter). The information we may receive varies by site and is controlled by that site. By associating an account managed by a third party with your Tangible Payments account and authorizing Tangible Payments to have access to this information, you agree that Tangible Payments may collect, store and use this information in accordance with this Privacy Policy.

In order to help protect you from fraud and misuse of your personal information, we may collect information about your use and interaction with our website or Tangible Payments Services. For example, we may evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

We may also collect additional information from or about you in other ways, such as through contact with our customer support team, results when you respond to a survey and from interactions with members of the Tangible Payments Inc. corporate family or other companies.

How we use Cookies

When you access our website or use Tangible Payments Services, we (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, “Flash cookies” or other local storage provided by your browser or associated applications (“Cookies”). We use these technologies to: recognize you as a customer; customize Tangible Payments Services, content, and advertising; measure promotional effectiveness; help ensure that your account security is not compromised; mitigate risk and prevent fraud; and to promote trust and safety across our sites and Tangible Payments Services.

We use both session and persistent Cookies. Session Cookies expire and no longer have any effect when you log out of your account or close your browser. Persistent Cookies remain on your device until you erase them or they expire.
We encode our Cookies so that we can interpret the information stored in them. You are free to decline our Cookies if your browser or browser add-on permits, but doing so may interfere with your use of our website and Tangible Payments Services. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling Cookies.

You may encounter Tangible Payments Cookies on websites that we do not control. For example, if you view a web page created by a third party or use an application developed by a third party, there may be a Cookie placed by the web page or application. Likewise, these third parties may place their own Cookies that are not subject to our control and the Tangible Payments Privacy Policy does not cover their use.

How we protect and store personal information

Throughout this policy, we use the term “personal information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

We store and process your personal information on our computers in the US and elsewhere in the world where our facilities are located. 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.

How we use the personal information we collect

Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

  • provide Tangible Payments Services and customer support;
  • process transactions and send notices about your transactions;
  • resolve disputes, collect fees, and troubleshoot problems;
  • prevent potentially prohibited or illegal activities, and enforce our User Agreement;
  • customize, measure, and improve Tangible Payments Services and the content, layout, and operation of our websites and applications;
  • deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;
  • contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement.
  • compare information for accuracy and verify it with third parties

    • Marketing

    We do not sell or rent your personal information to third parties for their marketing purposes without your explicit consent. We may combine your information with information we collect from other companies and use it to improve and personalize Tangible Payments Services, content, and advertising. If you do not wish to receive marketing communications from us or participate in our ad-customization programs, simply indicate your preference by logging into your account and going to the Notification section under the Settings tab and updating your preferences, or by following the directions that may be provided within the communication or advertisement.

    We respect your communication preferences. If you no longer wish to receive notifications via our application, you can adjust your preferences by visiting the settings page of the application.

    We may call or text message (SMS) you at a mobile phone number that you have provided to us. You can indicate your contact preferences by logging into your account and adjusting your preferences in your Account Information Settings or by following the directions provided within the communication.

    How we share personal information with other Tangible Payments users

    To process your payments, we may share some of your personal information with the person or company that you are paying or that is paying you. Your contact information, transactional information you have processed with Tangible Payments merchants. In addition, this and other information may also be shared with third parties when you use these third parties to access Tangible Payments Services. Unless you have agreed to it, these third parties are not allowed to use this information for any purpose other than to enable Tangible Payments Services.

    If you are buying goods or services and pay through Tangible Payments, we may also provide the seller with your shipping and billing address to help complete your transaction. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolution, we may provide a buyer with the seller’s address so that goods can be returned to the seller.

    We work with third parties, including merchants, to enable them to accept or send payments from or to you using Tangible Payments. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are a Tangible Payments customer and that Tangible Payments as a form of payment can be enabled, or to send you notification of payment status. Also, if you request that we validate your status as a Tangible Payments customer with a third party, we will do so.

    Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although Tangible Payments’s user agreement does not allow the other transacting party to use this information for anything other than providing Tangible Payments Services, Tangible Payments is not responsible for their actions, including their information protection practices.

    Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you using Tangible Payments, or with the third parties that offer or use Tangible Payments Services, except with your express permission or if we are required to do so to comply with credit card rules, a subpoena, or other legal process.

    How we share personal information with other parties

    We may share your personal information with:

    Members of the Tangible Payments Inc. corporate family to provide joint content, products and services (like registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services and communications. Members of our corporate family will use this information to send you marketing communications only if you have requested their services.
    Service providers under contract who help with our business operations such as fraud prevention, bill collection, marketing and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
    Credit bureaus and collection agencies to report account information, as permitted by law.
    Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having Tangible Payments close your Tangible Payments Account due to your breach of the Tangible Payments User Agreement).
    Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
    Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to Tangible Payments or one of its affiliates; when we need to do so to comply with law or credit card rules; or when we believe, in our sole discretion, that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
    Other third parties with your consent or direction to do so.
    Tangible Payments will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy.

    If you open a Tangible Payments account directly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on a Tangible Payments website) will be shared with the owner of the third party website or application. These sites are governed by their own privacy policies and you are encouraged to review their privacy policies before providing them with personal information. Tangible Payments is not responsible for the content or information practices of such third parties.

    How you can access or change your personal information

    You can review and edit your personal information at any time by logging in to your account and reviewing your account settings and profile via the application used to create the account. If you created the account directly within Tangible Payments Services you would log into the Invoice Management System (a service of Tangible Payments). If you created the account via a third party, you must view and edit the account through that third party. You can also close your account through the Tangible Payments website. If you close your Tangible Payments account, we will mark your account in our database as “Closed,” but may retain personal information from your account to collect any fees owed, resolve disputes, troubleshoot problems, assist with any investigations, prevent fraud, enforce our User Agreement, or take other actions as required or permitted by law.

    How you can contact us about privacy questions

    If you have questions or concerns regarding this policy, you should contact us by sending an email to privacy@tangiblepayments.com