Personal information we may collect:

Personal Information is information which can be used to identify an individual. We collect Personal Information any time the Services are used. The Personal Information collected includes information provided to us directly by individuals and that is provided to us by merchants or financial institutions. The collection of Personal Information described herein is necessary for use of the Services. This information includes but is not limited to:

Consumer Name
Contact information (such as email address, phone number, and mailing address)
Order and payment information

We collect other information, such as:

IP address and information about the device used to access the Services
How and which Services are used
Merchant and merchant account information, including account information we may gather from third party sources
Information provided to us through means such as social media or when you contact us through our website

We also collect or compile other information about you (such as enrollment numbers or demographic group information) which does not identify you. We may use or share any other information with third parties for any lawful purpose.

Use of cookies / How we use personal information / Usage and disclosure of Personal Information varies based on the following.

Facilitate the processing of payment transactions
Respond to requests and inquiries
Provide support services
Send administrative information, such as changes to our terms, conditions, and policies
Administer promotions or contests
Facilitate social sharing functionality
Analyze and monitor Services usage and to make improvements
Help secure the Services, prevent fraud and enforce our policies
Help personalize our Services
To make contact, directly or through a third party vendor, to complete a survey or questionnaire
Compile information for use on an aggregated and de-identified basis
Conduct data analysis and research, audits, develop new products, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities
Perform other activities with consent

We never share personal information.  It is used only...

As necessary to perform the Services and to complete payment transactions
With companies and vendors that help us to operate our business by providing services such as website hosting, fraud screening, data analysis, information technology and related infrastructure provision, customer service, email delivery, auditing and other similar services
With third parties sponsors of promotions or contests where consent has been given
To comply with law or other legal obligations such as responding to subpoenas, or other requests from public and government agencies, including laws and other legal obligations outside a party’s country of residence
To protect our rights, operations or property, or that of our users
To investigate, prevent, or take action regarding potential or suspected illegal activities, fraud, threats to the personal safety of any person, or violations of the Service’s terms and conditions