When you visit our website or use the our Services, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.

If you open an account or use the our services, we may collect the following types of information:

• Contact information - your name, address, phone, email, Skype ID and other similar information.
• Financial information - the full bank account numbers and/or credit card numbers.

Before permitting you to use the our services, 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, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.

When you are using the our services, we collect information about your transactions and your other activities on our website or using our services and we may collect information about your computer or other access device for fraud prevention purposes. 

How we use cookies 

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. We and our service providers also use cookies to customize the our services, content and advertising; measure promotional effectiveness, and promote trust and safety.

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.
We also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.

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.

How we protect and store personal information 

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.

We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state 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.

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 User Agreement;
• customize, measure, and improve the services and the content and layout of our website and applications;
• deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;
• compare information for accuracy and verify it with third parties.

We may share your personal information with:

• Service providers under contract who help with parts of our business operations such as fraud prevention, bill collection, marketing, and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
• Financial institutions that we partner with to jointly create and offer a product.
  
• Credit bureaus to report account information, as permitted by law.
• Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)
• Law enforcement, government officials, or other third parties when
  • we are compelled to do so by a subpoena, court order or similar legal procedure
  • we need to do so to comply with law or credit card rules
  • we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.
• Other third parties with your consent or direction to do so.