THIS POLICY WAS LAST UPDATED ON OCTOBER 21, 2018
What is Personally Identifiable Information?
“Personally identifiable information” is information that we can use to identify you as an individual. Personally identifiable information includes your name, address, telephone number and any other information that is connected with your identity.
Information We Collect
Currently certain content on the CapitalePay.com web site, feature details, videos, marketing materials and API documentation are available to all users without registration. Capital ePay does not collect any personally identifiable information from you when you visit these areas of the CapitalePay.com web site.
In order to access some of the more specialized features of the CapitalePay.com web site, such as Capital ePay Gateway or ZManage Portal you must be a registered CapitalePay.com web site member. When you register with CapitalePay.com, we collect personally identifiable information from you that may include your name, email address, city, state and zip code, as well as other information, such as your gender, age, occupation, personal interests and similar information.
In addition, when you use certain specialized features offered to registered CapitalePay.com users, CapitalePay.com may collect additional information about you, such as credit card information, EIN, SSN, bank account information and other personally identifiable information. For example, if you apply as a merchant to use the ZPay Gateway for merchant services you will need to provide SSN, EIN and bank account information and other information in order to process your merchant account application.
Capital ePay may from time to time use your personal information to inform you of system updates, system status, maintenance windows or account issues.
Information from Third Party Sources
Capital ePay may on occasion combine information we receive online with information we have obtained through third party sources to enhance our ability to fulfill those products you have registered to use. Additionally, Capital ePay may use this information to market additional Capital ePay products or services to you.
Web Site Usage Information
Capital ePay automatically collects IP addresses and web site usage information from you when you visit the CapitalePay.com web site. This information helps us evaluate how our users navigate and use our web site.
Use of Information
Capital ePay uses personally identifiable information collected from you for the following general purposes:
- to fulfill your requests for specific products and services;
- to customize the content and advertising you see;
- to improve the design and content of our site;
- to contact you about special offers, products or services that may be of interest to you;
- to fulfill currently registered products or services
- to provide you with customer service.
Information Sharing and Disclosure
Capital ePay may share or disclose personally identifiable information about you to other companies or individuals when:
- We have your consent to share the information.
- We utilize third party service providers to provide products, services or functions on our behalf (such as sending emails or processing credit cards), and require these service providers to agree to maintain the confidentiality of your personally identifiable information and not to use your personally identifiable information for any reason except to carry out the purpose(s) for which we hired them.
- We must comply with applicable laws, regulations, or legal or regulatory process
In connection with a sale, merger, transfer, exchange, or other disposition (whether of assets, stock, or otherwise) of all or a portion of the CapitalePay.com business.
Aggregate information is information that we (or third party service providers on our behalf) collect about CapitalePay.com web site users on an anonymous basis. We may share aggregate demographic and usage information with our prospective and actual business partners, advertisers and other third parties.
Your CapitalePay.com registration information is password-protected for your privacy and security. The personally identifiable information we collect about you is stored in limited access servers. We maintain (through our agents) physical, electronic and procedural security safeguards, including but not limited to PCI Level 1 certification, to protect your personally identifiable information.
Review and Correction
Capital ePay allows registered users of our products and services to update their information within the system. Registered users acknowledge that by changing certain types of information within our system can interfere with funding merchant accounts for processed transaction. For example updating funding bank account information incorrectly will result in a delay of funding to your accounts until resolved.
Personal information will be retained for the period necessary to fulfill the products and services in use. Additional retention periods such as those governed by PCI are in full effect by the current PCI standard and the related internal data security retention procedures established by Capital ePay.
Use of the Services by minors
Due to the financial nature of our business, our web site is not designed to appeal to children under the age of 13. Capital ePay does not knowingly solicit any information from children nor do we knowingly market or otherwise target the CapitalePay.com web site or its products or services to children. If you are under the age of 13, please do not attempt to use or register on our web site.
Transfer to U.S.
If you are located outside of the United States, please note that the information you provide to us will be transferred to the United States. By registering with CapitalePay.com, you consent to this transfer.