Privacy Policy for ParlerPay

ParlerPay is a digital wallet offered by PCSM LLC and/or its affiliates (“we,” “our,” or “us”). We are deeply committed to protecting your personal information and providing transparency about how we handle your data. Your privacy is our priority, and we take extensive measures to safeguard the information you share with us.

This Privacy Policy outlines how we collect, use, disclose, and protect your information when you access our website (parlerpay.com), mobile applications, and any related services (collectively, “Services”). This policy applies to all products, features, and technologies offered as part of the ParlerPay ecosystem.

We are continuously improving ParlerPay to deliver the best possible user experience. As our Services evolve, we may update this Privacy Policy to reflect changes in our business practices and ensure compliance with applicable laws. When updates are made, we will revise the Effective Date at the top of this page and provide additional notifications where appropriate.

By using ParlerPay, you agree to this Privacy Policy. Please also review our Terms of Service and related notices. If you have questions, contact us at support@parlerpay.com  

1. Scope of This Privacy Policy

This Privacy Policy applies to:

• Information collected when you use our Services, including our website, mobile applications, and customer support.
• Current and former users of ParlerPay.
• Non-ParlerPay users interacting with the Services, such as those receiving payments through ParlerPay.

This policy governs all aspects of data collection, usage, and sharing related to ParlerPay and its associated services. It also reflects compliance with global privacy laws such as the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA). Users located in these regions have specific rights outlined in this policy.

Additionally, this policy explains the permissions required for app functionality, such as location access and camera usage, to enhance the user experience and provide certain features.

It does not cover the practices of any third-party services integrated with ParlerPay. We encourage you to review their respective privacy policies for details on their data practices.

2. Information We Collect

2.1 Information You Provide Directly

• Account Information: Full name and email address,  

• Customer Support Information: Communication history, attachments, and any additional details provided when contacting support.

2.2 Information We Collect Automatically

• Device Information: Includes IP address, device type, operating system, browser type, unique device identifiers, and app usage data.

• Geolocation Data: Precise or approximate location data for fraud prevention, security, and enhanced app functionality (with user consent).

• Usage Data: Data about how you interact with our Services, including login timestamps, transaction activity, and technical error logs.

2.3 Information from Third Parties

• Verification Services: Data from third-party AML (Anti-Money Laundering) providers.

• Fraud Prevention Tools: Data from partners helping to detect suspicious activities or potential fraud.

3. How We Use the Personal Information We Collect

We collect personal information to deliver a secure, efficient, and customized user experience. Here’s how we use the information:

• Deliver the Services and respond to your customer support requests.

• Facilitate transactions,  connect payments, and ensuring they match with participating digital wallets, while also sending you notifications about your transactions or network activity.

• Resolve any disputes, collect applicable fees, and address technical issues.

• Detect, prevent, and address potential fraud, illegal activities, or violations of our Terms of Service using tools that may involve Account Information, Identification Information, , Device Information, and Geolocation Data.

• Personalize and enhance your experience by optimizing our services, website content, and displaying location-based promotions and relevant business profiles.

• Notify you about new features, products, and services that may interest you.

• Verify the accuracy of your information and compare it against third-party data.

• Comply with legal and regulatory obligations, including providing required disclosures.

• Use your Geolocation Data, if shared, to improve service security and provide location-specific options, promotions, search results, and other tailored content.

• Allow business profile users to leverage location data for promotions targeting nearby ParlerPay users.

• Utilize transaction and interaction data from related services to enhance personalization and improve your experience across the ParlerPay ecosystem.

App-Specific Permissions

To enhance functionality and user experience, ParlerPay may request the following permissions when using the mobile application:

• Location Access: Enables features like location-based promotions, enhanced security, and tailored content. Users can manage this permission through their device settings.

• Camera Access: Allows features such as scanning QR codes for payments s.

• Notification Permissions: Ensures timely alerts for transactions, promotions, and important account updates.

These permissions are optional but may limit functionality if not granted. Users can enable or disable these permissions through their device settings at any time.

4. Sharing Your Information

We disclose your personal information under specific circumstances to ensure that our Services operate smoothly, securely, and in compliance with applicable laws:

4.1 With Affiliates and Business Partners

We may share your information with our affiliates and subsidiaries for purposes consistent with this Privacy Policy. Additionally, in the event of a business transaction such as a merger, acquisition, or sale of assets, your information may be transferred to the new entity under the condition that it adheres to the terms of this Privacy Policy.

4.2 For Legal and Compliance Purposes

We may share your information with law enforcement, government agencies, or other third parties if required to comply with legal obligations, such as subpoenas or court orders. Additionally, we may disclose information where necessary to prevent fraud, address security threats, or investigate violations of our Terms of Service.

4.3 With Service Providers

We collaborate with third-party service providers who assist with our business operations, such as payment processing, identity verification, fraud prevention, and data hosting. These entities are contractually obligated to use your information solely for the services they provide on our behalf.

4.4 For Transactions and Partnerships

When you initiate transactions, we may share your information with other parties involved, such as merchants,  or other users. For example, a merchant may confirm your ParlerPay account status to facilitate payment processing. Information shared with partners is subject to their privacy policies and practices.

4.5 Based on Your Permissions

If you connect your ParlerPay account with third-party platforms or services, we may share your information based on your explicit consent.

5. Your Privacy Choices

We respect your rights to access, manage, and control your data:

• Access and Correction: View and update your personal information through customer support.

• Deletion: Request deletion of your data, subject to regulatory retention requirements.

• Marketing Preferences: Manage communication preferences in-app.

• Geolocation Consent: Enable or disable location sharing through your device settings.

6. Data Security

We implement robust measures to protect your information:

• Encryption: Sensitive data is encrypted during transmission and storage.

• Access Controls: Role-based permissions and multi-factor authentication limit access to your account.

• Monitoring: Regular audits and vulnerability testing ensure compliance with industry standards.

7. Retention of Information

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, in accordance with applicable legal, regulatory, and business requirements.

• Ongoing Relationship: Information required for your continued use of ParlerPay will be maintained for the duration of our relationship and for a period of up to 7 years afterward, unless longer retention is required.

• Legal and Compliance Obligations: Certain data may need to be retained to comply with laws such as Anti-Money Laundering (AML) regulations or other financial record-keeping requirements.

• Litigation and Investigations: We may retain data to address potential legal claims, audits, or regulatory inquiries.

8. Children’s Privacy

ParlerPay is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware of such collection, we will promptly delete the data unless required by law to retain it.

9. International Data Transfers

If you access ParlerPay outside the United States, your data may be transferred to jurisdictions with differing privacy laws. We ensure appropriate safeguards are in place to protect your information during such transfers.

10. How We Use Cookies

When you interact with our Services or visit third-party websites affiliated with our online services, we and our business partners may use cookies and similar tracking technologies (collectively, "Cookies"). Cookies help us:

• Recognize you as a user and streamline your experience.

• Personalize content, services, and advertisements.

• Analyze usage patterns to improve our Services.

• Mitigate risks, detect potential fraud, and ensure security.

• Evaluate the performance of promotions and campaigns.

Certain features of our Services rely on Cookies. Disabling or rejecting Cookies may limit functionality or affect your ability to use certain parts of the Services effectively.

Do Not Track (DNT)

Do Not Track ("DNT") is a browser feature allowing users to signal preferences regarding tracking by advertisers or third parties. Currently, we do not respond to DNT signals.

For additional details, please review our dedicated Statement on Cookies and Tracking Technologies.

11. Updates to This Privacy Policy

We are committed to continuous improvement and may update this Privacy Policy as our Services evolve. Updates will reflect changes in our business practices and legal obligations. Any updates will be noted by revising the Effective Date at the top of this page. Where significant changes occur, we will provide notice through email or in-app notifications.

12. Contact Us

Contact Information
To ask questions, comment about this Policy, or to exercise any of applicable privacy rights, please contact us at:

Email: support@parlerpay.com

Mailing Address: 5760 Legacy Dr. Ste. B3-310, Plano TX, 75024