Privacy Policy

This policy covers how Pagsmile ("us," "we") protects and uses the collected information about the user. Pagsmile protects the privacy of all users who visit or use the Pagsmile Service (collectively or individually, "you" or "Users").

The purpose of the Privacy Policy informs you about the information we collect, share and protect when you visit or use the Pagsmile Service. By using the Pagsmile Service you are agreeing to this Privacy Policy. This Privacy Policy applies to all personally identifiable information collected on the Web site where this Privacy Policy is posted.

Please note if the user is under the age of 13, the user must get consent of a parent or legal guardian to access the Pagsmile Service. Pagsmile does not knowingly collect or maintain personally identifiable information from persons under the age of 13 years. If Pagsmile learns that personally identifiable information of those under the age of 13 years has been collected on our web site or through our Pagsmile Service, then Pagsmile will take the appropriate action to delete the information.

Information We Collect

We will gather personal information about you under the following circumstances:

(I) When you open a Pagsmile account, we will collect the contact information including - your name, address, phone number, email, date of birth, and other similar information. This information can be reviewed and edited at any time by logging into your account.

(II) When you access our website or visit a web page that is using our service: Our service gathers information automatically transmitted from the device(s) you use to access our website or the sites integrating our service, such as your IP address, unique device identifier, browser information, and system (e.g., operating system) information. This information, alone or combined with other information, may allow you to be identified.

(III) When you complete a transaction using our service: During the course of a transaction, you may need to enter certain information about yourself. This information may include your full name, address, date of birth, and details about the payment method you are using.

(IV) When it is provided to us by third party sources in connection with your use of our service: Our merchants may send to us any information you have provided them, including your personal details (e.g., name, contact information) and details regarding your past and current purchases and activity on their site. Additionally, we may receive information about you from the provider of the payment method you use on our service to the extent such information is necessary to process your transaction, or if it later becomes necessary during an investigation into fraudulent or otherwise suspicious transactions.

(V) When you communicate with us: You may need to provide additional information about yourself and your transaction in communication. Additionally, we may contact you to request proof of personal identity, such as a picture of a legal identification document, in order to ensure your transaction is valid or to the extent it otherwise may be necessary to comply with our legal obligations as a financial institution.

How We Use Your Information

We only use your data for the following reasons:

(I) To offer the Pagsmile service: We will use your personal information as necessary to provide the Pagsmile service, including to the extent necessary to process the transaction you initiated, verify your identity, authenticate your access of a Pagsmile account, and communicate with you about the service.

(II) To manage risk and protect you, the site and the Pagsmile service: Fraud prevention is a critical part of providing payment services, and we use your information to help us detect and prevent fraud.

(III) To comply with our legal obligations, including all applicable anti-money laundering laws, anti-terrorist financing laws, financial services regulations, and our contractual obligations to the third party partners who provide or help to provide any payment method you use on our service.

(IV) For our other legitimate business needs: We may need to use your personal information in order to enforce our contracts and terms of service and monitor activity on the site.

How We Disclose Your Information Outside Pagsmile

Your data may be disclosed to third parties in any or all of the following circumstances. Because your privacy is important to us, we have taken measures to ensure that all of the entities we share your information with have implemented strong data privacy and data protection practices of a level comparable to that which we employ.

(I) When our payment partners need it to process a transaction you initiated: We have contracts with banks and other third-party financial institutions for every payment method we offer on our service. When you authorize a transaction, we will transmit to the relevant third party any information they require to process this transaction. What information is required will vary by payment type, but may include your name, address, and details of the purchase you are attempting to make.

(II) When our merchants need it to process a transaction you initiated: Where necessary, we will share certain information about you with our third party merchants to help facilitate the transactions. This data will never include your sensitive payment details (such as credit card number).

(III)When other third parties that provide us with services related to the Pagsmile service require it in order to provide the services, such as our server hosting providers and independent auditors we engage for the purposes of analyzing our compliance with the law or relevant independent standards.

(IV) To the extent required by law: We will share your information with third parties to the extent we are required to do so by law. For example, we are required by law to undergo certain routine audits, which may require us to share your information with the third party auditors we have engaged in relation to these requirements. Additionally, we may have to disclose your information when we receive a valid subpoena or other law enforcement request, or when the law requires us to affirmatively notify law enforcement in order to prevent harm or illegal activity. The necessity of all such disclosures will be determined in our sole discretion. For more information on our procedures related to legal requests, please review our law enforcement policy.

(V) To the extent our legitimate business interests require us to do so, for example by transmitting it to our third party partners for inclusion on their blacklists or lists of terminated merchants, to help us engage in our fraud reduction efforts, to support our corporate governance activities or facilitate the sale or other transfer of all or part of our business, or to protect us or our service.

How We Secure Your Information

Pagsmile's goal is to provide you with a safe and convenient online checkout experience. We always protect the security of your information by using Secure Sockets Layer (SSL) technology for each transmission that encrypts the information you input. All purchases made via a credit card or alternative direct payment must use an SSL-enabled browser. Using SSL-enabled browsers better protect the confidentiality of your personal and credit card information while it is being transmitted over the Internet. When you enter sensitive information (such as e-wallet account details, mobile number, credit card number or your password) and place an order online, we encrypt that information using Secure Socket Layer (SSL) technology which is the approved industry standard.

Users can check the security of their internet connection by looking at address bar of your browser window as you place your order online. If you see an unbroken key or a closed lock, then the SSL is active and the server is secure. You can also double-check by looking at the URL line of your browser. When accessing a secure server, the first characters of the site address will change from "http" to "https". For credit card transactions, we will securely transmit the entire credit card number to be processed by the credit card company. We will only reveal the last 4 digits of your credit card number when printing an order confirmation. For security purposes we do not keep or store your credit card information as it is only used to complete the secure transaction. Your credit card number and other sensitive information will not be stored after the transaction is complete to help protect your credit card information. To further protect against unauthorized access to your account and to your computer, be sure to sign off when finished.

Your Choices About Your Information

You have the right to:

(I) Request that we change any personal information that pertains to you.

(II) Request that we delete any personal information that pertains to you.

To request a change to your personal information, or deletion of your personal information, contact us.

Pagsmile User Info

Pagsmile does not and will not, at any time, request your full credit card information, your account ID and password or national identification numbers in a non-secure or unsolicited email or through telephone communication. Please never disclose your passwords for any reason.

Cookies

Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology

You can manually set your browser to notify you when you receive a cookie. This enables you to decide if you want to accept it or not. Alternatively, you can choose to turn off all cookies via your browser settings. However, some of the services and features offered through our Website may not function properly if your cookies are disabled.

Cookies can be first party or third-party cookies.

First party cookies - cookies that the website you are visiting stores on your computer.

Third party cookies - cookies stored on your computer through the website but by third parties, such as, Google.

We use the following cookies on our Website:

Strictly necessary/session cookies

These cookies are essential in enabling you to move around our website and use its features. Without these cookies, services you have asked for cannot be provided. They are deleted when you close the browser. These are first party cookies.

Performance cookies

These cookies collect anonymous data about how visitors use our website. They allow us to recognize and count the number of visitors and to see how visitors move around our website when they are using it and the approximate regions that they are visiting from. These are first party cookies.

Functionality cookies

These cookies allow the website to remember choices you make (such as your user name, language or the region you are in) and provide enhanced, more personal features. These cookies can also be used to remember changes you have made to text size, fonts and other parts of web pages that you can customize. The information these cookies collect may be anonymized and they cannot track your browsing activity on other websites. These are first party cookies.

Analytics, advertising and Social Media cookies

The use of cookies allows us and our advertisers to deliver information more relevant to you and your interests and they may also connect you with social media networks. These are persistent cookies which will be kept on your device until their expiration or earlier manual deletion.

Cookie consent and opting out

When you arrive on our website a pop-up message will appear notifying you that our website uses cookies. By using our website, you are consenting to our use of cookies. If you, or another user of your device, wishes to withdraw your consent at any time, you can do so by altering your browser settings, otherwise we will assume that you are happy to receive cookies from our website.

Contact Us

If you have any questions about this Privacy Policy, please contact us.

Changes to this Privacy Policy

We may change the Privacy Policy from time to time. We will inform you by posting the revised Privacy Policy on the Website. Please check our Privacy Policy periodically for changes. We will post the date the Privacy Policy was last updated at the bottom of the Privacy Policy. The changes will go into effect on the "Last Updated" date shown in the revised Privacy Policy. By continuing to use the Website, you consent to the revised Privacy Policy.

Last updated: October 10, 2020