This policy explains the what, how, and why of the information we collect when you use our Services
This policy describes the ways we collect, store, use, and protect your personal information. You accepted this policy when you signed up for our Service. We may amend this policy at any time by posting a revised version on our website. The revised version will be effective at the time we post it. In addition, if the revised version includes a substantial change, we will provide you with 30-day prior notice by posting notice of the change on the Vanepay website. Throughout this policy, we use the term "Personal Information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.
1. Personal Information Collection
1.1. When you visit the Vanepay website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.
1.2. If you open an account, we collect the following types of information from you: Contact information - your name, address, phone, email, instant messenger ID, and other similar information. Financial information - the full banking details that you link to your Vanepay account.
1.3. Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, passport, or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.
1.4. When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.
1.5. Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.
2.1. When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.
2.2. We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session so that we don't need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.
2.3. We also use longer-lasting cookies for other purposes such as to display your email address on our sign-in form so that you don't need to retype the email address each time you log in to your account.
2.4. We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website. We may also collect information about your computer or other access device to mitigate risk and for fraud prevention purposes.
3. Personal Information Protection
We store and process your personal information on extremely secured dedicated servers, and we protect it by maintaining physical, electronic, and procedural safeguards in compliance with applicable government regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.
4. Use of Personal Information
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:
- provide the services and customer support you request;
- process transactions and send notices about your transactions;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially prohibited or illegal activities, and enforce our Terms of Service;
- customize, measure, and improve our services and the content and layout of our website;
- send you targeted marketing, service update notices, and promotional offers based on your communication preferences;
- compare information for accuracy and verify it with third parties.
5. Sharing Information with VANEPAY Users
5.1. To process your payments, we may need to share some of your personal information with the person or company that you are paying or that is paying you.
5.2. We work with merchants to enable them to accept payments from you using Vanepay. In doing so, a merchant may share information about you with us when you attempt to pay that merchant. Please note that merchants you buy from and contract with have their own privacy policies, and Vanepay may not be held responsible for their operations, including, but not limited to, their information practices.
5.3. Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Vanepay, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.
6. Restrict the Sharing of Your Personal Information
6.1. Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows: If you do not want Vanepay to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please log in to your account and uncheck the appropriate box in the My Account -> Profile -> Notifications.
7. Accessing and Changing Your Personal Information
You can review and edit your personal information at any time by logging in to your account and clicking the Profile link.