you provide on this site.|
B. Information We Collect
C. Our Use and Disclosure of Information
D. Information Security
E. Accessing and Changing Your Information
F. Contacting Us
In order to offer some of SolidTrust Pay's services and reduce fraud, SolidTrust Pay
(SolidTrust Pay or "we") will ask you to provide information
the information we collect and how we use that information.
SolidTrust Pay takes
the security of your personal information very seriously and will use your information
your personally identifiable information or a list of our customers to third parties.
However, as described in more detail in Part C below, there are limited circumstances
in which some of your information will be shared with third parties, under strict
Policy applies to all services that are hosted on the SolidTrust Pay website,
whether SolidTrust Pay (or its subsidiaries or one of its affiliates) offers the services.
our use and disclosure of your personal information in the manner described in
Your personal information will be stored and processed
on our computers in Canada. The laws on holding personal data in
Canada may be less stringent than the laws of your country, but SolidTrust Pay
will hold and transmit your personal information in a safe, confidential and secure environment.
If you object to your personal information being transferred or used as described
Notification of Changes
This policy may be revised over time as new
features are added to the SolidTrust Pay service or as we incorporate suggestions from
our customers. If we are going to use or disclose your personally identifiable information
in a manner materially different from that stated at the time we collected the information,
you will have a choice as to whether or not we use or disclose your information in this new manner. Any
material changes will be effective only after we notify you via e-mail with at
SolidTrust Pay account, you will not be contacted and
your personal information will not be used or disclosed in this new manner).
review what information we gather, how we might use that information, and whether
we will disclose it to anyone. Please check the SolidTrust Pay website at SolidTrust Pay
Pages on the SolidTrust Pay website may include links to third party websites. SolidTrust Pay is
not responsible for their operations, including but not limited to their information
practices. Their privacy statements govern those sites. Users submitting information
to or through these third party websites should review the privacy statement of
these sites before providing them with personally identifiable information.
B. Information We Collect
To open a SolidTrust Pay account, you must
provide your name, company name (if any), address, phone number,
and e-mail address. In order to make payments through SolidTrust Pay, you may, but are not required to, provide credit
card, debit card or bank account information. We may also ask you to choose different
security questions to answer. This required information may be necessary for us to
process transactions, issue a new password if you forget or lose your password, protect
you against credit card and checking account fraud, and to contact you should
the need arise in administering your account.
If you choose to register or apply for certain optional features
or products offered through the SolidTrust Pay website, you will be required to provide
additional information to establish that you qualify for such features or products.
When you use SolidTrust Pay to send money
to someone else or request money from someone else, we ask you to provide information
related to each transaction, including the amount of the transaction and the
username of the third party. We retain this information for each of your
transactions through. We also collect the Internet address (IP address)
of the computer or device you use to access your SolidTrust account, in order to help
detect possible instances of unauthorized transactions.
Information About You From Third Parties
In order to protect all our customers
against potential fraud, we verify with third parties the information you provide.
In the course of such verification, we receive personally identifiable information
about you from such services. In particular, if you register a credit card or debit
card with SolidTrust Pay, we may use card authorization and fraud screening services
to verify that your card information and address matches the information that you
supplied to SolidTrust Pay, and that the card has not been reported as lost or stolen.
If you send or receive high overall payment volumes through SolidTrust Pay, in some circumstances
we may conduct a background check on your business by obtaining information about
you and your business from a credit bureau or a business information service. If
you incur a debt to SolidTrust Pay, we will generally conduct a credit check on you
by obtaining additional information about you from a credit bureau, to the extent
permitted by law. SolidTrust Pay, at its sole discretion, also reserves the right periodically
to retrieve and review a business or consumer credit report for any account, and reserves
the right to close an account based on information obtained during this credit
If we cannot verify the information that
you provide, or if you request a withdrawal by cheque to an address other than your
verified physical address, we may ask you to send us additional information
(such as your drivers license, credit card statement, and/or a recent
utility bill or other information linking you to the applicable address), or to
answer additional questions online to help verify your information.
Website Traffic Information
Because of the way that Internet communication
standards work, when you arrive at or leave the SolidTrust Pay website, we automatically
receive the Internet address of the site that you came from or are going to. We
also collect information on which pages of our website you visit while you are
on the SolidTrust Pay site, the type of browser you use and the times you access our website.
We may use this information only to try to understand our customer's preferences
better and to manage the load on our servers, so as to improve our service and your
experience with SolidTrust Pay. We do not track the websites that you visit before
or after you leave the SolidTrust Pay site.
Cookies are small files
of data that reside on your computer and allow us to recognize you as a SolidTrust Pay
customer if you return to the SolidTrust Pay site using the same computer and browser.
We send a session cookie to your computer if and when you log in
to your SolidTrust Pay account by entering your e-mail address and password. These
cookies allow us to recognize you if you visit multiple pages in our site during
the same session, so that you do not need to re-enter your password multiple
times. Once you log out or close your browser, these session cookies expire
and no longer have any effect.
program, described in Section C below. We may share cookie information regarding
whether or not a certain user is already registered with SolidTrust Pay with certain
merchants with whom we have an official co-marketing relationship.
Customer Service Correspondence
If you correspondence with us via phone, email, LiveChat or through the mail, we may
retain such information in the records of your account. We may retain
these records in order to measure and improve our customer service, and to investigate
these records if permitted by law.
Questionnaires, Surveys and Profile Data
From time to time, we may offer
optional questionnaires and surveys to our users for such purposes as collecting demographic
information or assessing user interests and needs. The use of the information
collected will be explained in detail in the survey itself. If we collect personally
identifiable information from our users in these questionnaires and surveys, the
users will be given notice of how the information will be used prior to their
participation in the survey or questionnaire.
C. Our Use and Disclosure of Information
We collect, store and process your personal
information on servers located in Europe. We use the information
we collect about you in order to provide our services and process your transactions,
to provide customer service, to determine your eligibility to receive offers for
special features or products, and to improve our products and services. At your option
(as indicated in your SolidTrust Pay user settings), we use the information you
provide to access specific third party services on your behalf and perform the
actions that you request us to perform.
We give access to individually identifiable information about our users only to those employees
who require it to fulfill customer service requests.
Disclosure to Other SolidTrust Pay Customers
If you are a registered
SolidTrust Pay user, your name, e-mail address, account type and verification status may be displayed
to other SolidTrust Pay customers whom you have paid or who are attempting to pay you through
SolidTrust Pay. Your credit card number, bank account and other financial information will never
be revealed to anyone whom you have paid or who has paid you through SolidTrust Pay, except if we are
required to do so pursuant to a subpoena or other legal process.
If you are buying goods or services and paying through SolidTrust Pay, the seller of the goods or
services may request that you provide a mailing address that SolidTrust Pay has confirmed as matching
the billing address in the credit card system. You do not have to provide this information. If you
do not provide the information, however, the seller may choose not to accept your SolidTrust Pay
payment and not to complete the transaction.
SolidTrust Pay may also disclose to other SolidTrust Pay customers the number of payments you have
site), or other aggregate measures that provide an indication of your reputation with other
SolidTrust Pay customers.
Disclosure to Third Parties Other Than SolidTrust Pay Customers
will NOT sell or rent any of your personally identifiable information to third parties. SolidTrust Pay
will not share any of your personally identifiable information with third parties except in the limited
circumstances described below, or with your express permission (and to other SolidTrust Pay customers as
described above). These third parties are limited by law or by contract from using the information for
secondary purposes beyond the purposes for which the information is shared. We share information with
companies that help us process the transactions you request and protect our customer's transactions
from fraud, such as sharing your credit card number with a service that screens for lost and stolen card
numbers. See Information About You From Third Parties in Section B above. Additionally,
if you go into a negative balance and owe us money, we may share information with processing companies
including collection agencies.
We disclose the information we collect, as described in Section B above, to companies that perform
marketing services on our behalf or to other financial institutions with whom we have joint marketing
agreements. These companies may be subject to confidentiality agreements with us and other legal
restrictions that prohibit using the information except to market the specified SolidTrust Pay - related
products or services, unless you have affirmatively agreed or given your prior permission for other
We disclose information that we in good faith believe is appropriate to cooperate in investigations
Specifically, this means that if we conduct a fraud investigation and conclude that one side has
engaged in deceptive practices, we can give that person or entity's contact information
(but not bank account or credit card information) to victims who request it.
We disclose information in response to a subpoena, warrant, court order, levy, attachment,
order of a court-appointed receiver or other comparable legal process, including subpoenas
from private parties in a civil action.
We disclose information to your agent or legal representative (such as the holder of a power of attorney
that you grant, or a guardian appointed for you).
We share aggregated statistical data with our business partners or for public relations. For
example, we may disclose that a specific percentage of our users live in British Columbia.
However, this aggregated information is not tied to personally identifiable information.
As with any other business, it is possible that SolidTrust Pay in the future could merge with
or be acquired by another company. If such an acquisition occurs, the successor company would have
access to the information maintained by SolidTrust Pay, including customer account information,
Section A above.
We share your information with our parent, subsidiaries and joint ventures to help coordinate
the services we provide to you, enforce our terms and conditions, and promote trust and safety.
Our Contacts with SolidTrust Pay Customers
We communicate with users on a regular
basis via e-mail to provide requested services, and we also communicate by phone to resolve customer
complaints or investigate suspicious transactions. We use your e-mail address to confirm your opening
of a SolidTrust Pay account, to send you notice of payments that you send or receive through
SolidTrust Pay (including referral payments described below), to send information about important
changes to our products and services, and to send notices and other disclosures required by law.
Generally, users cannot opt out of these communications, but they will be primarily informational
in nature rather than promotional.
We also may use your e-mail address to send you other types of communications that you can control,
including tips, newsletters, customer surveys and notice of special third-party promotions.
In connection with independent audits of our financial statements and operations, auditors may
seek to contact a sample of our customers to confirm that our records are accurate. However, these
auditors cannot use personally identifiable information for any secondary purposes.
Internet Address Information
We use IP addresses, browser types and
access times to analyze trends, administer the site, improve site performance and
gather broad demographic information for aggregate use.
Your Use of Information and Our Services
In order to facilitate the transactions
between SolidTrust Pay members, our service allows you limited access other user's
contact information. As a seller you may have access to the User ID, email address
and other contact information of the purchaser, and as a purchaser you may have access
to the User ID, email address and other contact information of the seller.
identifiable information that you obtain through the site or through an SolidTrust Pay-related
communication or SolidTrust Pay-facilitated transaction, you will only use this information
for: (a) SolidTrust Pay-related communications that are not unsolicited commercial messages,
(b) using services offered through SolidTrust Pay, and (c) any other purpose that such user
expressly agrees to after adequate disclosure of the purpose(s).
In all cases, you must provide users with the opportunity to remove themselves from your database
and review any information you have collected about them. In addition, under no circumstances,
except as defined in this Section, can you disclose personally identifiable information
about another SolidTrust Pay user to any third party without our consent and the consent
of such other user after adequate disclosure. Note that law enforcement personnel and
other rights holders are given different rights with respect to information they
SolidTrust Pay does not tolerate unsolicited commercial e-mail (spam) Therefore,
without limiting the foregoing, you may not add a SolidTrust Pay user to your mail
list (e-mail or physical mail) without their express consent after adequate disclosure,
even if said user has previously made a purchase from you. Our anti-spam policy
is strictly enforced. To report SolidTrust Pay-related spam to SolidTrust Pay, please
D. Information Security
SolidTrust Pay handles your customer information
with high standards of information security. We restrict access to your personally
identifiable information to employees who need to know that information in order
to provide products or services to you. We maintain physical, electronic and procedural
safeguards that comply with national regulations to guard your nonpublic personal information.
The security of your SolidTrust Pay account also relies on your protection of your SolidTrust Pay
password. You should not share your SolidTrust Pay password with anyone. SolidTrust Pay representatives
will never ask you for your password, so any e-mail or other communication requesting
your password should be treated as unauthorized and suspicious. If you do share your SolidTrust Pay
password with a third party for any reason, including third party promises of providing you additional services such as account aggregation, the third
party will have access to your account and your personal information, and you
may be responsible for actions taken using your password. If you believe someone
else has obtained access to your password, please change it immediately by logging
in to your account at SolidTrust Pay and changing your passwords via your SECURITY ZONE area.
Contact us right away as described in Section F below.
E. Accessing and Changing Your Information
You can review the personal information you have provided us and make select changes to such
information, or to the settings for your SolidTrust Pay account, at any time by logging
into your account on the SolidTrust Pay website and accessing your MY PROFILE area. You
can also close your account by contacting us. If you close your
SolidTrust Pay account, we will mark your account in our database as SUSPENDED
but will keep your account information in our database. This is necessary in
order to deter fraud, by ensuring that persons who try to commit fraud will not
be able to avoid detection simply by closing their account and opening a new account.
However, if you close your account, your personally identifiable information will
not be used by us for any further purposes, nor sold or shared with third parties,
except as necessary to prevent fraud and assist law enforcement, or as required
F. Contacting Us
If you have any questions about this privacy statement, SolidTrust Pay's information practices,
or your dealings with SolidTrust Pay, please contact us.