Privacy policy.

Your Privacy Matters to Payscore

This Privacy Policy describes the types of information Payscore Inc, (“Payscore,” “we,” “our,” or “us”) may collect from you or that you may provide when you visit www.payscore.com (the “Website”) or in the the provision of our automated income-verification Services to you, such as by telephone calls, e-mails, applications, or other communications with us, our employees, or service providers involved in providing Services to you (collectively, the “Services”), and our practices for collecting, using, maintaining, protecting, and disclosing that information. Protecting our customers and visitors (also “you,” “your,” or “their”) privacy is a priority of ours and we are committed to protecting your privacy through our compliance with this Privacy Policy. We have provided this Privacy Policy to help you understand:

• how we collect information that identifies, reasonably relates to, describes, is reasonably capable of being associated with; or could reasonably be linked, directly or indirectly, with a discrete individual (“Personal Information”),
• how we use, disclose, share, and retain your Personal Information, and
• what rights you may have related to your Personal Information.

This Privacy Policy applies to information we collect, store, or use, such as Personal Information, through the Website and the Services, in email, text, telephonic communications, or other electronic messages between you and us. This Privacy Policy does not apply to information which is not Personal Information, such as aggregated or de-identified information.

In addition, we may provide you with real time disclosures or additional information about the Personal Information handling practices of specific parts of our Services. Such notices may supplement this Privacy Policy or provide you with additional choices about how we process your Personal Information.

I. Privacy

Our Privacy Principles

• We collect Personal Information as is necessary or relevant to our business.
• We make a reasonable effort to ensure that Personal Information we act upon is accurate, relevant, timely, and complete.
• We make Personal Information available to third parties: to support us providing the Services, to respond to legitimate business needs, to regulatory or other government authorities, or as otherwise permitted by law.
• We limit employees’ access to those who need to handle Personal Information and who are trained in the proper handling of such Personal Information.
• We take industry standard precautions to protect your Personal Information.
• We do not share Personal Information with non-affiliate companies that would use such Personal Information to market their own products and Services, unless permitted pursuant to a joint marketing agreement.

Personal Information We Collect from You

We get most of our Personal Information directly from you when you use our Website and our Services, such as the information provided in the Sign Up page, LiveChat feature, or via email, mail, telephone calls, other electronic communications with you, any application you send to us, your transactions with us, and from property manager and lenders with whom you have shared your Personal Information and authorized to share your Personal Information with us for the purpose of processing your application.

Sometimes our agents may contact you by phone or mail to obtain additional Personal Information necessary for the provision of our Services to you. We also might obtain Personal Information about you from transactions with us, our affiliates, resellers, or other third parties in the provision of our Services to you.

Some examples of the Personal Information we may collect from you, usually by you providing it directly to us to us to use the Website or our Services, include:

• First and last name
• Email address
• Phone number
• Username and password for Payscore accounts and systems, or other similar identifiers.
• Payment card numbers, bank account or other financial account numbers and account details (note however that, this information is processed by a third-party payment service provider, and therefore is not stored by us)
• Other information you voluntarily submit to us.

Please note that if you decide not to provide certain information to us, it may delay or prevent us from providing products and/or our Services to you.

Personal Information We Collect Through Automatic Data Collection Technologies

As you navigate through and interact with our Website or certain features of our Services, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, such as the name of the domain and host from which you access the Internet, the IP address of the computer you are using, and browser and operating system data to help diagnose any issues with your use of the Website.

We collect this information to learn how to improve the Website and how to best tailor it to our visitors to administer the Website, to help diagnose problems with our server, to analyze trends, to track users’ webpage movements, to help identify you to recognize when you return to our Website and to store information about your preferences that allows us to customize our Website for you accordingly, and to gather broad demographic information to estimate our audience size and usage patterns.

We may use standard technologies for our automatic data collection, such as “cookies” (which may be html files, flash files, or other technology), web beacons, or similar tracking technologies (collectively, “Tracking Tools”). Cookies are small text files stored locally on your computer. “Web beacons” or “pixel tags”, “single-pixel gifs”, or “clear gifs” are small pieces of code placed on pages of our Website that allow us, for example, to collect advertising metrics, such as counting page views, promotion views, or advertising responses.

We may use Tracking Tools to monitor the Website and Internet usage and to improve or customize the content on the Website. In addition, on occasion we may also set a “session cookie” on the Website to help us administer the Website. The session cookie expires when you close your web browser and does not retain any Personal Information about you after it expires. If you do not want the benefits of these cookies, you may opt-out by visiting https://optout.networkadvertising.org/?c=1. However, if you do so, you may not receive the full benefit from the use of the Website.

If you wish, you may decline cookies or set your browser to refuse cookies. Most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies.

Finally, our web servers may collect “log data.” Log data provides aggregate information about the number of visits to different pages on the Website. This Privacy Policy does not apply to other types of information you may disclose or that we may collect, including aggregate user statistics, demographic information, and other data that does not include Personal Information or from which you cannot be identified.

We may use such aggregate log data to improve access to the Website based on visitors’ web browsers and operating system types to make the Website available to as many relevant users as possible. We do not link the “log data” collected to Personal Information.

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your Personal Information or they may collect information, including Personal Information, about your online activities over time and across different websites and other online Services.

We do not control these third parties’ tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. A link or reference to a third-party service does not mean that we endorse it or the questions about an advertisement or other targeted content, you should contact the responsible provider directly.

How We Use Your Personal Information

We will only use your Personal Information as described in this Privacy Policy or as disclosed to you prior to such processing taking place. To the extent required by applicable law, we rely on a number of legal bases to use your information in these ways. The purposes for which we may use your Personal Information include:

With whom do we share your Personal Information

In order to conduct our business and to better serve you, we may disclose to an appropriate third party any of the Personal Information we collect or you provide for the purposes specified in this Privacy Policy. For example, we may disclose Personal Information to:

• Our affiliated companies. Other companies that are under common control of Payscore Inc. may have access to and use of Personal Information for the purposes described in this Privacy Policy.
• Our service providers. We may also share your Personal Information with external third-party service providers, such as accountants, actuaries, auditors, experts, lawyers and other outside professional advisors; call center service providers; IT systems, support and hosting service providers; printing, advertising, marketing and market research and analysis service providers; banks and financial institutions that will process Personal Information to help us operate our business, perform Services on our behalf, in compliance with this Privacy Policy and other appropriate confidentiality and security measures to support our core business functions and internal operations including without limitation: fulfilling orders; delivering products; complying with your requests; analyzing customer data; administering our promotional activities; supporting beacons; processing credit and debit card transactions; investigating fraudulent activity; conducting background or financial checks; surveys; and providing customer service.. Such service providers must process the Personal Information we share with them only on our behalf and for the same purposes for which the Personal Information was collected. We only share Personal Information with third party providers to provide the Services described in this Privacy Policy.
• Law Enforcement, Regulators and Other Parties for Legal Reasons. Payscore may also share Personal Information with governmental or other public authorities (including, but not limited to, workers’ compensation boards, courts, law enforcement, tax authorities and criminal investigations agencies); and third-party civil legal process participants and their accountants, auditors, lawyers and other advisors and representatives as we believe to be necessary or appropriate: (a) to comply with any law applicable to us, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to protect the rights, privacy, property, interests or safety of our company or our affiliates, customers, business partners, suppliers, employees or the general public; (e) to enforce our Terms of Service and other agreements; (e) to protect our operations or those of any of our group companies; (f) to protect our rights, privacy, safety or property, and/or that of Payscore, our group companies, our customers or others; (g) to respond to an emergency; and (h) as otherwise permitted by applicable law.
• Other Third Parties. Unless prohibited by applicable law, we may share, transfer, or delete your Personal Information if we are involved in a merger, sale, acquisition, divestiture, restructuring, reorganization, dissolution, bankruptcy or other change of ownership or control by Payscore or any affiliated company (in each case, whether in whole or in part). If required by applicable law, any such sharing of Personal Information will be reported to regulators in accordance with the applicable law.

Personal Information may also be shared by you, on message boards, chat, profile pages and blogs, and other Services to which you are able to post information and materials (including, without limitation, our social media pages and apps). Please note that any information you post or disclose through these Services will become public information, and may be available to third parties who access the Payscore Website and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Website and our social media pages.

Retention, Confidentiality, and Security of Personal Information

We store Personal Information for as long as reasonably necessary to provide our Services, complete the transaction for which your Personal Information was collected, as required or permitted under applicable laws, comply with our legal obligations, resolve disputes, or enforce our agreements. Where it isn’t necessary for the purposes described in this Privacy Policy, we will not retain Personal Information in persistent storage.

We implement reasonable and appropriate technical and organizational measures designed to secure your Personal Information from accidental loss and from unauthorized access, use, alteration, or disclosure. For example, we limit access of your Personal Information to authorized parties who need to know in order to provide products or Services to you and to conduct our internal operations. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your Personal Information, including by employing data anonymization practices where required or where commercially reasonable.

However, some of our security measures depend on the compatibility of your web browser. While we strive to protect your Information, the internet is not absolutely secure and, thus, we cannot promise guaranteed security. In the unlikely event that we believe that the security of your Information in our possession or control may have been compromised, we may seek to notify you of that development. If a notification is appropriate and to the extent we have your email address, we may notify you by email. The safety and security of your information also depends on you. You should also take steps on your own to protect your Personal Information, such as:

• Using the latest version of your web browser.
• Keeping your username and password confidential.
• Accessing the Website only on personal or trusted computers.

Please refer to the Federal Trade Commission’s website at http://www.business.ftc.gov/privacy-and-security/consumer-privacy for information about how to protect yourself against identity theft.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your Personal Information, we cannot guarantee the security of your Personal Information transmitted to our Website. Any transmission of Personal Information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

II. Personal Information and Third Parties

Links

The Website may include links to other websites. This Privacy Policy only applies to our Website and Services. We do not make any representations about any websites other than our own. Any Personal Information you provide to any linked websites will be subject to the privacy policies of that website. If provided, you should review the privacy policies of any linked websites carefully.

Social Media

The Website includes social media features, such as Facebook, LinkedIn, and YouTube pages and widgets. Some of these social networks may be able to track your visit to the website (or any site that uses the widgets) because when you visit a social network, it may place personally identifiable cookies in your browser that are then transmitted back to the social network when you visit other sites that use that network’s widgets, even if you do not click on or interact with the widget. If you have questions about a particular social network’s information collection or cookie practices, please refer to the privacy and use policies of that social network.

Children

Our Website is not intended for children under 18 years of age. No one under age 16 may provide any information to or on the Website. We do not knowingly collect Personal Information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features, register on the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received Personal Information from a child under 16 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please notify us at support@payscore.com.

III. Additional Relevant Provisions and Laws

To the extent applicable under US State Privacy Laws, you may have the following rights in connection with your Personal Information:

• You have a right to confirm whether or not we process your Personal Information as well as to access and receive a copy of the specific Personal Information about you we process. Please understand that this right is not absolute. We may decline to provide you a copy of specific Personal Information where such information cannot be separated from Personal Information of someone else. Also, if providing you a copy of your Personal Information would cause us to waive our confidentiality rights with other parties (for example, our lawyers), then we may also decline to provide you with such information.
• You have a right to deletion of your Personal Information, subject to exceptions under applicable US State Privacy Laws. In general, the exception to delete Personal Information is where we have a need to retain such Personal Information to comply with applicable law; or to establish, exercise, or defend legal claims.
• You have a right to request correction of any inaccurate Personal Information we hold about you. This request is limited to information which is objectively incorrect. We cannot revise Personal Information which is not factual (for example, personal opinions of other individuals).
• You have a right to opt-out of our sale or sharing of Personal Information for cross-contextual behavioral advertising purposes.
• Finally, you have a right not to receive discriminatory treatment for exercising any of your rights described under this section. We will not discriminate against you based on your exercise of any of your rights.

You can assert these rights only where we receive a reasonable request from you. For example, we may require some information to authenticate you as the person to whom the Personal Information belongs if you make a request for a copy of your Personal Information. This is to ensure our processes are not easily used to compromise your privacy.

If you are a consumer in a jurisdiction that recognizes the ability to use an authorized agent and wish to contact us through an authorized agent, the authorized agent can submit a request on your behalf to support@payscore.com along with a statement, certified as may be required, that the agent is authorized to act on your behalf. In order to verify the request, we may ask you to verify your identity.

Appeals

If you are in a jurisdiction that recognizes your ability to appeal a decision we have made in connection with your attempt to assert a right under applicable US State Privacy Laws, you may file an appeal of our decision refusing your request to exercise your rights under this Privacy Policy. Requests to change our policies or practices are not grounds for appeal.

You may request an appeal of such decision by contacting us at support@payscore.com, please provide the state that you are writing from, accompanied with documentation you may have regarding the matter you are appealing. We will respond to your appeal within 45 days of receipt.

International Visitors

We are based in the United States and the Website we own or operate is located and hosted in the United States and is intended for visitors located within the United States. In most cases, the Personal Information we collect is stored and used in the United States. While we do not direct our Services to residents of other countries, it is possible that EU residents may access and use the Website. If you choose to use the Website from the European Union or other regions of the world with laws governing data collection and use that may differ from U.S. law, then please note that we may transfer your Personal Information outside of the country or jurisdiction where you are located to the United States for storage and processing.

We may transfer your data, including Personal Information, from the U.S. to other countries or regions in connection with storage and processing of data, fulfilling your requests, and operating the Website. In such countries, we will still handle your Personal Information in the manner described herein.

IV. Updates, Access, Correction

Updates to this Privacy Policy; Incorporation; Scope

We reserve the right to modify this Privacy Policy at our discretion and at any time. When we make changes to this Privacy Policy, we will post the updated policy on the Website and update the policy effective date. If we believe in our sole discretion, that the changes are material changes, we will notify you using any reasonable method, such as email and by posting the changes through our Services.

V. Contact

Contacting Payscore

For clarification or if you have any concerns about the Privacy Policy or requests related to any Personal Information that we collect, use, or share about you, please write to us at support@payscore.com or 140 Lakeside Ave Suite A301, Seattle, WA 98122. We will promptly investigate and attempt to respond in a manner that complies with the principles described in this Privacy Policy.