Payment Logistics Limited Privacy Policy

Effective Date: January 6, 2021

This privacy policy provides notice of our privacy practices for our business, including for the following websites: paymentlogistics.com, paymentlogistics.net and any of its sub-domains, agentlogistics.com, paygistix.com and any of its sub-domains, paygistix.net and any of its sub-domains, paygistixregister.com, pay.link and any of its sub-domains and all other sites on the World Wide Web owned and/or operated by Payment Logistics, as well as any mobile applications that Payment Logistics owns or operates, including but not limited to PayLink. These policies may change from time to time so please check back periodically. This privacy policy primarily covers merchants, merchant employees, and merchant customers. In addition, our privacy policy covers any person who visits any of our websites or uses any of our products.

  1. Introduction

    Payment Logistics, a Nevada limited liability company headquartered in La Jolla, California, and its affiliates (“PL,” “us,” or “we”, as the context requires), in conjunction with various financial institutions and upstream providers, provides merchant account services and related services and products that enable our merchant clients to accept credit card, debit card and related payments from customers. In the course of serving our merchants, business partners, service providers, affiliates, and other customers, we collect a significant amount of information. This privacy policy is intended to help you better understand how we collect, use and store your personal information—whether you are a merchant, a customer of a merchant or of ours that uses our products or services (collectively, “Services”), business partner, or service provider. Please be aware that not all of the information in this privacy policy will be directly applicable to our handling of your personal information. This privacy policy provides an overview of the possible circumstances in which we may interact with your personal information. If you have any questions about our processing of your personal information, please contact us by email at This email address is being protected from spambots. You need JavaScript enabled to view it., by phone, Monday – Friday from 9am to 5pm Pacific by calling 888.624.3687 or by filling out the online form found here https://paymentlogistics.com/contact. By using any of our Services, or by dealing with a merchant using our Services, you are agreeing to the terms of this Privacy Policy.

  2. The Personal Information We Collect

    Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual or household, such as name, email address, mobile number, I.P. address, other telephone number, payment information, account numbers, user identification, and other information. Personal information does not include publicly available information, and does not include consumer information that is deidentified or aggregate consumer information. Below, we address how we collect your personal information.

    1. Our Merchants and Business Partners

      If you are a merchant of ours, your customers need to understand how you (and how we) collect and process your customer’s personal information. Accordingly, if you use our Services, you agree to post an up-to-date and accurate privacy policy on your storefront and/or website that complies with the laws applicable to your business, including but not limited to (if applicable) the California Consumer Privacy Act (“CCPA”), which became effective January 1, 2020. You also agree to obtain consent, if required by law, from your customers for the use and access of their personal information by PL and other third parties in the stream of commerce who are necessary to process transactions. For our merchants or other business partners, information about disclosures, transfers and other processing of personal information as part of the Services is set out in the merchant processing agreement or other documentation provided to the merchant or business partner at the outset of doing business with PL. This privacy policy is a supplement, and does not alter or supersede any contractual relationship between PL and any merchant or business partner. Our business partners include developers, independent service organizations, independent sales agents and resellers. Other service providers include other businesses included in the stream of processing a debit or credit card transactions, such as a bank, card organization or other entities involved in the processing of a transaction.

      We collect information about our merchants, suppliers, service providers and business partners, in order to better provide our Services. We may create an account on behalf of a merchant, and in order for a merchant to use our Services, the merchant will need to provide detailed information, such as a business address, business type, business ID number, date of birth, bank account information and government-issued identification information where applicable, including but not limited to a Social Security Number and Driver’s License. We may also create accounts for supplies, service providers, and business partners, who will provide similar information in order to use or sell our Services.

    2. Information We Collect from Merchants, Customers, and Business Partners

      We receive information about customers of our merchants that our merchants collect and send to us, or allow us to collect on the merchant’s behalf, in the context of providing merchant Services to our merchants. We also receive personal information from our business partners who sell our Services or with whom we partner to offer our Services. We also receive personal information directly from customers who use any of our websites, and from customers who use PayLink. We receive information related to financial transactions initiated by the customer, account registrations, and in some cases information needed to verify a customer’s identity and details of products or services purchased. Where our technology is incorporated into our merchant’s or business partner’s mobile application, website, point of sale system or customer relationship management system, we also may automatically collect or receive certain information of the type described in the section below titled “Information collected via automated means.” We may also collect or receive personal information about our merchant’s customers or business partner’s customers that our merchants or business partners share with us or that our merchants’ customers or business partners’ customers provide while paying for goods or services. We use this information to provide our merchants and business partners, and each of their customers, with our Services and so that we can better process orders and better serve our merchants, business partners, and their customers. In addition, we receive detailed information about our merchant’s customers when processing debit and credit card transactions on behalf of our merchants. We may also receive information from our merchant’s employees. The categories of information we have collected in the last 12 months may be summarized as follows:

      1. Names,
      2. Postal and physical addresses,
      3. IP address
      4. Email
      5. Phone numbers, including but not limited to mobile numbers,
      6. Customer account information or identifier,
      7. Payment-related information, including bank account and/or credit card information,
      8. Purchase history,
      9. Date of birth,
      10. If an employee of a merchant, service provider, or other business with whom we transact business, we may collect an employee identification number and information relating to your role, such as job title, wage rate, and hours worked
      11. Voice recordings if you call us and receive notification that the call may be recorded,
      12. Information pertaining to internet or network activity, such as interaction with one of our products, apps, software or website
    3. Information We Collect from Private and Publicly Accessible Sources

      We and our service providers and agents may collect information about individuals that is publicly available, including by searching publicly accessible government lists of restricted or sanctioned persons (such as the Specially Designated Nationals And Blocked Persons List), public records databases (such as company registries and regulatory filings), and by searching media and the internet. We and our agents, including but not limited to third party verification providers, may also collect information from private or commercially available sources, including but not limited to by requesting reports or information from credit reference and fraud prevention agencies, to the extent permitted under applicable law.

      We may also maintain pages for our company and our products and services on a variety of third-party platforms, such as LinkedIn, Facebook, Twitter, Google+, YouTube, Instagram, and other social networking services. When you interact with our pages on those third-party platforms, the third-party’s privacy policy will govern your interactions on the relevant platform. If the third-party platform provides us with information about our pages on those platforms or your interactions with them, we will treat that information in accordance with this privacy policy.

    4. Information Collected Via Automated Means

      When you access our websites (for PL or for PL’s Services) or use our mobile applications (including but not limited to PayLink), we, our service providers, and our affiliates may automatically collect information about you, your computer or mobile device, and activity on our websites or mobile applications. Typically, this information includes your computer or mobile device operating system type and version number, manufacturer and model, device identifier (such as the Google Advertising ID or Apple ID for Advertising), browser type, screen resolution, IP address, the website you visited before browsing to our website, general location information such as city, state or geographic area; and information about your use of and actions on or in our websites or mobile applications, such as pages or screens you accessed, how long you spent on a page or screen, navigation paths between pages or screens, information about your activity on a page or screen, access times, and length of access.

      We, our service providers and our business partners may collect this type of information over time and across third-party websites. This information is collected via various mechanisms, such as via cookies, web beacons, embedded scripts, through our mobile applications, and similar technologies. This type of information may also be collected when you read our HTML-enabled emails. You can generally choose to disable cookies, depending on your web browser.

    5. Login Details

      Subject to your consent if required by law, we will collect and process your personal information as necessary to set up and administer your sign-up to, and use of, the log-in facility available on any of or websites, apps, software or hardware. We will use "cookies" to "remember" the machine or other device you use to access our sites. Please remember that if we contact you, we will never ask you for your password in an unsolicited email, message or phone call. If you choose to use the log-in facility available on our sites and apps, you are required to adhere to the security procedures we establish in the documentation we provide you as part of the Services.

    6. Sensitive Personal Data

      In some circumstances, we may collect information that may reveal health or medical information, such as when we process transactions at health or medical facilities or pharmacies.

  3. How We use Your Personal Data

    We use your personal data:

    1. For Providing our Services, which include:
      1. Providing, maintaining and evaluating the features and functionality of our Services
      2. Fulfilling a payment transaction initiated by you or involving you or your employer
      3. Managing our relationships with our merchants, customers, service providers, and business partners
      4. Carrying out our obligations, and exercising our rights, under our agreements with our merchants, service providers, and business partners
      5. Communicating with our customers, our merchant’s customers, or our business partner’s customers regarding any account with us or any transaction that we processed, including by sending service-related emails or messages (e.g., messages regarding account verification, changes or updates to the functionality of our products or services, technical and security notices and alerts, and support and administrative messages)
      6. Personalizing the manner in which we provide our Services
      7. Checking for fraud or money laundering and/or managing either our risk, or our merchant’s risk, or the risk of our business partners.
      8. Administering and protecting our business
      9. Providing support and maintenance for our Services, including responding to any service-related requests, questions, and feedback

    2. For Research and Development

      We use the information we collect for our own research and development purposes, which include:

      1. Developing or improving our Services
      2. Developing and creating analytics and related reporting, such as regarding industry and fraud trends

    3. For Marketing

      We may use your personal information to form a view on what products or services we think you may want or need, or what may be of interest to you. In certain contexts (including but not limited to merchants inquiring about our services and filling out our merchant applications), we may contact you with marketing communications using the personal information you have provided to us, if you have actively expressed your interest in our Services and, in any case, you have not opted out of receiving marketing information, to the extent permitted by applicable law.

      Where required by law, we will get your express opt-in consent before we share your personal information with any company outside PL for marketing purposes.

      You can ask us to stop sending you marketing messages at any time by contacting us using the details at the Contact Us section or clicking on the opt-out link included in each marketing message. If you are a California resident, you may have other rights under the CCPA.

      Should you choose to opt out of receiving our marketing messages, we will continue to carry out our other relevant activities using your personal information, including sending non-marketing messages.

    4. For Complying with Laws

      We use your personal information as we believe necessary or appropriate to comply with applicable laws, lawful requests and legal process, such as to respond to subpoenas or requests from government authorities.

    5. For Compliance, Fraud Prevention and Safety

      We use your personal information as we believe necessary or appropriate to (a) enforce the terms and conditions that govern our Services; (b) protect our rights, privacy, safety or property, and/or that of you or others; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.

    6. With your Consent

      In some jurisdictions, applicable law may require us to request your consent to use your personal information in certain contexts, such as when we use certain cookies or similar technologies or would like to send you certain marketing messages. If we request your consent to use your personal information, you have the right to withdraw your consent any time in the manner indicated when we requested the consent or by contacting us. If you have consented to receive marketing communications from any of our third-party partners, you may withdraw your consent by contacting those partners directly.

    7. To Create Anonymous Data

      We may create anonymous data from your personal information and other individuals whose personal information we collect. We make personal information into anonymous data by excluding information that makes the information personally identifiable to you, and use that anonymous data for our lawful business purposes.

    8. For New Purposes

      We may use your personal information for reasons not described in this Privacy Notice where permitted by law and the reason is compatible with the purpose for which we collected it.

    9. For Automated Decisions, Credit Reference Agencies and Fraud Prevention Agencies

      We sometimes make automated decisions based on your personal information (whether provided by you or collected by us from third parties such as credit reference and fraud prevention agencies). We will only do this where it is required in connection with a contract, authorized by law, or based on your explicit consent. You can contact us for more information on automated decision making.

  4. How We Share Your Personal Data

    We share your personal data with:

    1. Our Affiliates

      We may disclose your personal data to our corporate affiliates for purposes consistent with this privacy policy.

    2. Our Service Providers and Business Partners

      We may employ third party companies and individuals to administer and provide services on our behalf (such as companies that provide customer support, companies that we engage to host, manage, maintain, and develop our website, mobile applications, and IT systems, and companies that help us process payments) or who are our business partners in some manner, such as independent sales agents, independent sales organizations, resellers and developers. These third parties may use your information only as directed by us and in a manner consistent with this privacy policy, and are prohibited from using or disclosing your information for any other purpose.

    3. Our Clients

      When PL performs services for its merchants, it may share personal data with those entities. For example, PL may collect information about a merchant’s customers from or on behalf of the merchant, such as when PL processes payment transactions, and PL may provide personal data about those customers back to the merchant. We are not responsible for the privacy practices of our merchants.

    4. Participants in the Transaction Processing Chain

      PL shares personal data with companies in the transaction processing chain in connection with processing a payment transaction, such as merchants, banks or other card issuers, other debit and credit card processors, card associations, debit and credit network operators and their members.

    5. Credit Reference, Fraud Protection, Risk Management, and Identity and Verification Agencies

      PL shares personal data with credit reference, fraud protection, risk management, and identity verification agencies to help guard against, detect, and respond to fraud or money laundering, and/or manage our or our clients’ risk, and ensure we comply with contractual, legal, or regulatory requirements.

    6. Professional Advisors

      We may disclose your personal data to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services that they render to us.

    7. Government or Law Enforcement Officials

      PL may disclose information about you to government or law enforcement officials (including tax authorities) or private parties as required by law, and disclose and use such information as we believe necessary or appropriate to (a) comply with applicable laws and lawful requests and legal process, such as to respond to subpoenas or requests from government authorities; (b) enforce the terms and conditions that govern our products and services; (c) protect our rights, privacy, safety or property, and/or that of you or others; and (d) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.

    8. Businesses as part of a Business Transfer

      PL may sell or transfer some or all of its business or assets, including your personal data, in connection with a business transaction (or potential business transaction) such as a merger, consolidation, acquisition, reorganization or sale of assets or in the event of bankruptcy, in which case we will make reasonable efforts to require the recipient to honor this privacy policy.

    9. Other Parties with Your Permission or to Fulfill a Contract They Have With You

      PL may transfer your personal data to any third party who is not otherwise covered by the other listed categories above where you have given us permission to do so, or with whom you have entered into a contract when we need to transfer your personal data to that party in order to fulfil that contract.

  5. Sale of Personal Information.

    Except as expressly set forth herein, we do not sell your personal information. In processing debit and credit card transactions, we maintain the confidentiality of customer information and comply with Payment Card Industry Data Security Standards (PCI-DSS) Standards. We may share or sell information regarding you in the aggregate (such that it no longer constitutes personal information). The only other instance in which we retain the right to sell your personal information is in regard to personal information we collect directly from customers of our merchants through PayLink.

  6. Your Rights And Choices

    In this section, we describe the rights and choices available to you.

    1. Marketing Communications

      You can ask us to stop sending you marketing messages at any time by contacting us or clicking on the opt-out link included in each marketing message. You may continue to receive service-related and other non-marketing messages.

    2. Do Not Track Signals

      Some Internet browsers may be configured to send "Do Not Track" signals to the online services that you visit. We currently do not respond to do not track signals. To find out more about "Do Not Track," please visit http://www.allaboutdnt.com.

    3. Choosing not to provide Your Personal Information

      Where we request personal information directly from you, you do not have to provide it to us. If you decide not to provide the requested information, in some circumstances we, or our merchants or other clients, may be unable to provide products or services to you. For example, we may be unable to process your transaction.

    4. Accessing, Modifying or Deleting Your Information

      In some jurisdictions, applicable law may provide a right for individuals to access, modify, or delete their personal data in some instances. You may contact us directly to request access to, or modify or delete your information. We may not be able to provide access to, modify, or delete your information in all circumstances.

    5. Complaints

      If you have a complaint about our handling of your personal information, you may contact us using the contact information below. We request that a complaint be made in writing. Please provide details about your concern or complaint so that we can investigate it. We will take appropriate action in response to your complaint. We may contact you for additional details or clarification about your concern or complaint. You also may have a right to file a complaint with a national or local regulatory agency.

  7. International Transfers

    PL is headquartered in the United States, and it primarily provides its Services in the United States of America. PL currently conducts some business in Bermuda and the US Virgin Islands and may provide Services outside the United States. Your personal information may be transferred to locations outside of your state or other governmental jurisdiction where we or our service providers maintain offices and where privacy laws may not be as protective as those in your jurisdiction. If we make such a transfer, we will require that the recipients of your personal data provide data security and protection in accordance with applicable law.

  8. How We Keep Your Data Safe

    We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used or accessed in an unauthorized way, altered or disclosed. In addition, we limit access to your personal data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality.

    We maintain annual compliance with global Payment Card Industry Data Security Standard (PCI DSS) adopted by the payment card brands for all companies that process, store or transmit cardholder data.

    We have put in place procedures to deal with any suspected personal data breach and will notify you and any applicable regulator of a breach where we are legally required to do so.

  9. This Website May Link to Other Websites

    We may also link to third-party websites, mobile applications, and other content. PL is not responsible for the privacy practices of any third party, and this privacy notice does not apply to such third party’s websites, mobile applications, or other content. PL does not guarantee, approve, or endorse any information, material, services, or products contained on or available through any linked third-party website, mobile application, or other content. PL is not responsible for any content on third-party properties to which we link. PL provides links to third-party properties or content as a convenience and visiting or using linked third-party properties or content is at your own risk.

  10. How Long We Keep Your Personal Data

    We will use your personal data for as long as necessary based on why we collected or received it and what we use it for. This may include our need to satisfy a legal, regulatory, accounting, or reporting requirement.

    To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.

    In general terms, we will retain your personal data for the duration of your involvement/engagement with us and for as long as reasonably necessary afterwards; however, we may maintain different retention periods for different products and services. There are also certain types of information which are required to be retained for a certain period by law.

  11. Contact Us

    For data privacy inquiries related to this privacy policy, please contact us by email at This email address is being protected from spambots. You need JavaScript enabled to view it. or by clicking on this link and submitting the contact form https://paymentlogistics.com/contact

    We also maintain a toll-free number that you may call to make inquiries concerning your personal data, 888.624.3687. The toll-free number is the most appropriate contact for an urgent concern, such as to report a suspected data breach regarding your personal data; or, if you are a merchant, data of your customers. You may contact us at this number for data privacy related matters Monday – Friday, from 9am to 5pm Pacific time.

    You may contact us by mail at Attn: Payment Logistics Privacy Department, 11011 N. Torrey Pines Road # 250, La Jolla, CA 92037.

    For questions about your credit or debit card or your purchase, please contact the financial institution that issued your card or the merchant with whom you transacted business.

  12. Rights under California Law.

    If you are a consumer and live in California, you also have the right under the California Consumer Privacy Act (“CCPA”) to request certain information from certain businesses that collect personal information from you. In regard to consumers, we are generally a service provider of the merchants with whom you interact (for example, we’re a service provider of the restaurant where you paid for lunch with a debit or credit card), with the exception of some direct interactions with consumers through PayLink. Where we are a service provider, we believe the merchant is the “business” under the CCPA and you can exercise your CCPA rights directly with the merchant. As a California consumer, you have the right to Notice at Collection, to submit Requests to Know and Requests to Delete and to request Do Not Sell My Personal Information, to a business, as set forth in more detail below.

    Below is an overview of the rights that the CCPA gives to California consumers that you may be able to exercise if you are a California consumer from whom we, acting as a business, has collected personal information:

    1. Right to Notice of the Personal Information Collected, Disclosed, or Sold.
      1. You have the right to timely notice, at or before the point of collection, of the categories of personal information to be collected from you and the purposes for which the personal information will be used. Section 2.b. of this privacy policy provides notice of the categories of personal information to be collected, and section 3 of this privacy policy provides the purposes for which the information may be used.
      2. You have the right to request, up to twice in a 12-month period, that we disclose what personal information we collect, use, disclose, and sell during the past 12 months. Section 2.b. of this privacy policy sets forth the categories of personal information we have collected about consumers in the preceding 12 months.
      3. Below is a link to an online request form for a California consumer to request, by submitting a verifiable consumer request to know, the following: (1) identification of the categories of personal information we have collected about consumers in the last twelve months, (2) the identification of the categories of sources where the personal information was collected, (3) identification of the business or commercial purposes for collecting (or where applicable, selling) the personal information, (4) identification of the categories of personal information, if any, that we have disclosed to third parties for a business purpose or sold to third parties along with the categories of third party recipients to whom information was disclosed or sold, in the last twelve months, (5) for each category of personal information identified, the categories of third parties to whom the information was disclosed or sold, and (6) the specific pieces of personal information the business has collected in the last twelve months:

        >Click here.

        You may also submit your request to us by mail at Attn: Payment Logistics Privacy Department, 11011 N. Torrey Pines Road # 250, La Jolla, CA 92037.

        We may request additional identifying information to help us to verify your identify or to assist us in responding to your request.

      4. The categories of sources from which we collected personal information are set forth above in Section 2, and include: (1) information received from our merchants, other service providers, and business partners in order to process debit and credit card transactions, (2) information we receive from employees of merchants, business partners and service providers, (3) information we receive directly from merchant’s customers through the use of our Services, including but not limited to PayLink, (4) information collected from private and publicly accessible sources, (5) information collected via automated means, and (6) login details, if you log into any portion of our website or in using any of our Services.
      5. The business or commercial purposes for collecting your personal information are addressed in Section 3 of this privacy policy. The primary business purpose for which we disclose or share personal information is to facilitate debit and credit card transactions, and therefore we share such information, as reasonably necessary to perform our functions related to processing debit and credit card transactions, and related functions, including but not limited to fraud prevention, with our merchants, software providers involved in a given transaction, as well as upstream providers, such as banks, other merchant processors, and the card brands, as well as any independent service agents and other independent contractors and professionals assisting us in performing our duties .

        We also may share or “sell” (as that term is defined under the CCPA) certain types of personal information (except for payment-related information, including bank account and/or credit card information) collected from consumers through our PayLink feature.

      6. The categories of third parties to whom any personal information of a consumer was potentially disclosed or sold in the last twelve months may be found in Section 4 of the privacy policy.
      7. We have no personal knowledge that we sell the personal information of consumers under 16 years of age.
    2. Right to Request Deletion of Personal Information.
      1. If we collected your personal information as a business and you are a California consumer, you can ask us to delete the personal information we have collected from you.
      2. You may make such a request by clicking on the link below (subject to certain exceptions the law provides), which link will provide a general description of our process we use to verify your request, including any information you must provide:

        Click here.

        You may also submit your request to us by mail at Attn: Payment Logistics Privacy Department, 11011 N. Torrey Pines Road # 250, La Jolla, CA 92037.

        We may request additional identifying information to help us to verify your identify or to assist us in responding to your request. Generally, we will seek to match identifying information you provide with information we already maintain.

    3. Right to Opt-Out of the Sale of Personal Information
      1. The term “sell” under the CCPA is defined very broadly, and includes, among other things, disclosing, disseminating, or making available, personal information. If we sell your personal information as a business under the CCPA, you have a right to opt-out of the sale of your personal information.
      2. As set forth in Section 5 of the privacy policy, we do not sell your personal information, except we retain the right to sell your personal information in regard to personal information we collect directly from customers of our merchants through PayLink.
      3. To exercise any right you may have to opt-out of the sale of your personal information, click here. You may also submit your request to us by mail at Attn: Payment Logistics Privacy Department, 11011 N. Torrey Pines Road # 250, La Jolla, CA 92037. We may request additional identifying information to help us to verify your identify or to assist us in responding to your request.
    4. Right of Non-Discrimination

      If you are a California consumer, you have the right to not be discriminated against if you exercise these privacy rights under the CCPA. A business cannot discriminate against you, deny, charge different prices for, or provide a different quality of goods or services if you choose to exercise these rights. We do not discriminate in any way against any consumers exercising privacy rights under the CCPA or other state or federal laws or regulations.

    5. Authorized Agent

      A consumer may designate an authorized agent to make a request under the CCPA on the consumer’s behalf. When making any requests under the CCPA, you will be provided instructions on how you may designate an authorized agent.

    6. How to Exercise Your Rights

      To the extent we act as a merchant’s service provider (for example, when we process your debit or credit card payments on their behalf), you can exercise your CCPA rights directly with the merchant(s) you use. To exercise any rights directly with us, please follow the links included herein in Section 12. You may also submit your request to us by mail at Attn: Payment Logistics Privacy Department, 11011 N. Torrey Pines Road # 250, La Jolla, CA 92037.

    7. Children and Consumers under 16 Years of Age

      If you are a child under 13, please don’t use our Services. Our Services are general audience services not directed at children under the age of 13. If we learn that any information we collect has been provided by a child under the age of 13, we will promptly delete that information. We have no personal knowledge that we sell the personal information of consumers under 16 years of age.

  13. Changes to this Privacy Policy

    We reserve the right to modify this privacy policy at any time. We encourage you to periodically review this page for the latest information on our privacy practices. If we make material changes to this privacy policy, we will notify you by updating the effective date of this privacy policy and posting it on our website and in app stores where any mobile applications covered by this privacy policy are available for download. We may (and, where required by law, will) also provide notification of changes in another way that we believe is reasonably likely to reach you, such as via e-mail (if you have an account where we have your contact information) or another manner through our website or mobile applications.

    Any modifications to this privacy policy will be effective upon our posting of the new terms and/or upon implementation of the new changes (or as otherwise indicated at the time of posting). In all cases, your continued use of our Services after the posting of any modified privacy policy indicates your acceptance of the terms of the modified privacy policy.