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