Old Gate Capital, LLC., (“Payzero Club”, “we” or “us”) believes it is important to protect the privacy of our merchants, customers, and guests. We know that you care about how your personal information is collected, updated, used and shared. Furthermore, we want to help you make knowledgeable choices about the information you provide to us.

Payzero Club is a financial technology company which provides a platform for merchants to earn and redeem points for products and services.  Payzero Club owns and operates various sites on the World Wide Web, including without limitation www.payzeroclub.com (collectively, the “Services”).

This Privacy Policy explains and summarizes how Payzero Club collects, uses, and protects your personal information. This policy is intended to be global in nature. If you are visiting from outside the United States, there may be special rules or limitations on your use of this website or other Payzero Club operated websites. By using our website, you consent to the collection and use of your personal information by Payzero Club consistent with applicable data protection law and this policy.  This Privacy Policy may be updated from time to time for any reason, at our sole discretion. We will notify you of any material changes to our Privacy Policy by posting the new Privacy Policy on our website. You are advised to consult this Privacy Policy regularly for any changes. By using or accessing the website or the Services, you are accepting the practices described in this Privacy Policy, and you are consenting to our processing of your information as set forth in this Privacy Policy now and as amended by us.

This Privacy Policy applies only to the website and the Services operated by Payzero Club, and does not apply to the practices of companies that Payzero Club does not own or control, or to individuals that Payzero Club does not employ or manage. The website may contain links to other sites. Payzero Club is not responsible for the privacy policies and/or practices on other sites. When linking to another site a user should read the privacy policy stated on that site.

If you have any questions or comments about this Privacy Policy or our use of your personally identifiable information, please contact us at support@payzeroclub.com.

Personal Data

We collect personally identifiable information (“Personal Data”) from you when you voluntarily choose to provide Personal Data to us through a form or through use of the Services. We use the Personal Data that we collect in order to provide and improve our services, and as otherwise set forth in this Privacy Policy and in our Terms of Service.  Examples of Personal Data we collect include but are not limited to first name, last name, business name, address, email address, telephone number, and banking information.

Use of Personal Data

Payzero Club uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. When we receive your Personal Data from your merchant services provider with whom you have registered, we may use that Personal Data in order to contact you (via email or otherwise). Payzero Club and its affiliates also use your Personal Data and other non-personally-identifiable information collected through the website to help us improve the content and functionality of the website and our apps, to better understand the users of our website and apps, and to improve our Services.

Do Not Track Disclosures

“Do Not Track” (DNT) is a preference that you may enable from your web browser to opt-out of online behavioral tracking.  Our site and app does not follow DNT settings, and may collect personally identifiable information about you over time and across third party websites regardless of whether DNT is enabled or disabled in your browser.  This Personal Data is used by us to provide targeted advertising to you for the products and services we sell.  Please also be aware that some third party sites that we are linked to may keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you.

Passively Collected Information

When you interact with us through the website, we receive and store certain additional non- personally-identifiable information. For example, we automatically receive and record information on our server logs from your browser including your IP address, browser type and language, referring/exit pages and URLs, other browser history, platform type, number of clicks, landing pages, cookie information, the pages you requested and viewed, the amount of time spent on particular pages, and the date and time. Except as provided below under “Fraud Prevention,” we only use this data in aggregate form, that is, as a statistical measure, and not in a manner that would identify you personally. This type of aggregate data enables us to figure out how often users use parts of the website or Services so that we can make the website appealing to as many users as possible, and improve our Services. As part of this use of information, we may provide aggregate information to our partners about how our users, collectively, use the website. We share this type of statistical data so that our partners also understand how often people use their services and the website, so that they, too, may provide you with an optimal online experience. Again, Payzero Club never discloses aggregate information to a partner in a manner that would identify you personally.

Fraud Prevention

As part of our efforts to combat fraud, we may record your IP address when you use the Service, and confirm that the geographic location associated with your IP address matches any banking information you may have provided us or an affiliate. This process allows us to detect and prevent certain fraudulent transactions from being processed through the Service (for example, a payment request associated with a U.S. billing address, but a non-U.S. IP address, may be declined).

Aggregated Personal Data

In an ongoing effort to better understand our users, we may analyze the Personal Data that is provided to the website in aggregate form. This aggregate information does not identify you personally. We may share this aggregate data with our affiliates, agents and business partners. We may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.

Cookies

In operating this website, we may use a technology called “cookies.” A cookie is a piece of information that the computer that hosts our website gives to your computer when you access a website. Our cookies help provide additional functionality to the website and help us analyze website usage more accurately. Company cookies do not collect Personal Data, and we do not combine the general information collected through cookies with other Personal Data to identify you personally.

Sharing Information: We won’t share your Personal Data with anyone except for the situations listed below or unless we specifically inform you and give you an opportunity to opt out of our sharing your Personal Data.

We may share your Personal Data with:

• Authorized service providers.
  Our authorized service providers are companies that perform certain services on our behalf. These service providers may have access to your Personal Data to the extent necessary to perform their functions, but we do not allow them to share or use any of your Personal Data for any other purpose.
• Payzero Club affiliates.
  We may share information we collect, including Personal Data, with Payzero Club -owned or affiliated businesses. Sharing information with our affiliates enables us to provide you with information about a variety of products and services that might interest you. All Payzero Club companies comply with applicable privacy and security laws and, at a minimum, in any commercial email they send to you, will give you the opportunity to choose not to receive such email messages in the future.
• Protection of Payzero Club and others.
  We may release Personal Data when we believe in good faith that release is necessary to enforce or apply our Terms of Service and other agreements; or protect the rights, property, or safety of Company, our employees, our users, or others. This includes, without limitation, exchanging information with other companies and organizations for fraud monitoring, detection, and prevention.
• Other Situations.
  We also may disclose your information:
  • In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
  • When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce the website’s Terms of Use or other agreements or policies.
  • In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy.

Special Notice to International Visitors and Customers

Privacy laws differ across the globe. This website is hosted in the United States. If you are visiting from other regions with laws governing data collection and use that may differ from U.S. law, including those whose privacy laws may be stricter than U.S. law, please note that you are transferring your personal data to the United States to Payzero Club. By providing your personal data, you consent to that transfer.

Storage and Period of Holding for Personal Information

Unless otherwise requested by you, Payzero Club will continue to keep the Personal Data you or an affiliate provided to us. If the reason for collecting your personal information no longer exists, we will delete the personal information at the appropriate required time if legally required by relevant applicable data protection law.

Children

The website and Services are not intended for children under 13, and we do not knowingly collect information from children under the age of 13. Children aged 13 or older should not submit any personal information without the permission of their parents or guardians. By using the website and Services, you are representing that you are at least 18, or that you are at least 13 years old and have your parents’ or guardians’ permission to use website and our related services. In the event that we learn that we have collected personal information from a child under age 13 we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us at support@payzeroclub.com.

Security

No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, Payzero Club cannot ensure or warrant the security of any information you transmit to us and you assume all risks associated with the Personal Data supplied by you. You should note that in using the website and Services, your information will travel through third party infrastructures which are not under our control. Once we receive a transmission of Personal Data, we make reasonable efforts to ensure security on our systems. We use secure server software (SSL) and firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software.

Opt-Out Policy:

If, at any time after registering, (i) you change your mind about receiving information from us or about the use of information volunteered by you, (ii) you need to update or modify any Personal Data, or (iii) you have any other questions or concerns regarding privacy at the website or associated with the Service, please send us a request specifying your new choice at support@payzeroclub.com. We will make every effort to resolve your concerns.