Privacy Policy for ParlerPay

Optio Services LLC, and/or its affiliates (“we,” “our,” or “us”) provides its ParlerPay software services through its website located at parlerpay.com and related mobile applications and products (collectively the “Services” or “ParlerPay”).”  Before using our Services, please read the Terms of Service (the “Terms”) carefully, along with any other policies or notices on our website or mobile applications.

Optio Services LLC (DBA iW3) is the data controller responsible for processing your personal data. Certain third-party service providers may act as data processors on our behalf. We require all data processors to adhere to this Privacy Policy and maintain appropriate safeguards, consistent with industry standards and applicable data protection regulations, to protect your information.

Information Collection

We collect information in the following ways:

Information You Provide: This includes information submitted when you create an account, make a purchase, participate in online forums or marketing promotions, contact customer service, or otherwise interact with us. Typically, this information includes your name, email address, phone number, payment details, and any other information you choose to provide.

Information We Collect Automatically: When you visit ParlerPay.com or interact with our services, we may collect information sent to us by your computer, mobile phone, or other access devices. This includes your IP address, device information, browser type, location data (if you have permitted access to it) and browsing history.

Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to:

1. Improve User Experience: Understand how you use our site and customize your experience.
2. Advertising and Marketing: Show you relevant content and advertisements based on your interests.
3. Analytics: Gather data for internal analysis, such as user interactions and site performance.

You can manage your cookie preferences through your browser settings. By continuing to use our services, you consent to the use of cookies as described.

Information from Third Parties: Occasionally, we may receive information about you from third-party services and organizations. For instance, if you access our services through a third-party application, such as an app store or a social networking site, we may collect information about you from that third-party application that you have made public via your privacy settings.

Use of Information

The information we collect is used to:

1. Provide, maintain, and improve our services.
2. Manage your account and provide you with customer support.
3. Perform research and analysis about your use of, or interest in, our products, services, or content.
4. Communicate with you by email, postal mail, telephone and/or mobile devices about products or services that may be of interest to you.
5. Develop, display, and track content and advertising tailored to your interests on our service and other sites.
6. Enforce or exercise any rights in our terms and conditions.
7. Perform functions as otherwise described to you at the time of collection.

Retention Period

We retain personal data for as long as necessary to fulfill the purposes described in this Privacy Policy, including compliance with our legal obligations, dispute resolution, and enforcing our agreements. Retention periods vary depending on the type of data and the purpose of its use:

• Account Information: Retained for the duration of your account and up to 7 years after closure.
• Transaction Records: Retained for as long as required under applicable financial regulations.
• Marketing Data: Retained until you opt out of receiving marketing communications.

Automated Decision-Making and Profiling

We may use automated decision-making technologies to enhance user experience and streamline certain processes, such as risk assessment, fraud prevention, and product recommendations. You have the right to request human intervention, express your views, or contest any decision made through automated processing if it significantly affects you.

Information Sharing

We may share your information with:

1. Subsidiaries and Affiliates: We may share information with our subsidiaries and affiliates to provide and improve our services.
2. Service Providers: We share information with entities that process information on our behalf for our business purposes. These entities are contractually obligated to protect your information and may be located wherever Optio operates.
3. Legal and Regulatory Authorities: We may be required to disclose information in response to legal requests by public authorities, including meeting national security or law enforcement requirements.
4. Business Transfers: In connection with any reorganization, restructuring, merger, or sale, or other transfer of assets, we reserve the right to transfer information, including personal information, provided that the receiving party agrees to respect your personal information in a manner that is consistent with our Privacy Policy.

Data Transfer and Cross-Border Data Flow

Your information, including personal data, may be transferred to and maintained on servers located outside of your country. We ensure adequate safeguards are in place, such as Standard Contractual Clauses (SCCs), to protect your data and ensure that it is processed in compliance with applicable data protection regulations, regardless of where it is transferred.

Detailed Information Collected

We collect different types of information, including:

1. Personal Identification Information: Full name, email address, mailing address, phone number, date of birth, and other similar identifiers.
2. Financial Information: Payment details, including credit/debit card numbers, bank account numbers, and transaction data.
3. Device Information: IP address, browser type, device identifiers, operating system, and location data (if permitted).
4. Usage Data: Information about your interactions with our website and services, including pages visited, links clicked, and browsing history.
5. Sensitive Information: In some instances, we may collect information such as government-issued identification numbers for identity verification purposes, if legally required.

Links to Other Websites

Our website may contain links to other sites that are not operated by us. We do not control or assume responsibility for the content, privacy policies, or practices of any third-party sites. We encourage you to read the privacy policies of every site you visit when clicking these links.

Data Security

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. Despite these measures, the security of information transmitted through the internet can never be guaranteed.

Breach Notification

In the event of a data breach that affects your personal information, we will notify you and relevant regulatory authorities as required by law. We strive to provide timely and accurate information regarding any breach, including the nature of the data affected, potential risks, and recommended steps you can take to mitigate risks.

User Responsibility

As a user, you are responsible for maintaining the security of your personal information and any account details. Please ensure that your private key, backup phrase, and passwords are not shared with anyone and are stored in a secure location.

User Rights

You have the right to:

1. Access and receive a copy of your personal data we store.
2. Request correction of any incorrect data.
3. Request deletion of your personal data, subject to certain exceptions prescribed by law.
4. Object to the processing of your personal data.
5. Request restriction of processing your personal data.

Additional Rights under GDPR:

If you are a resident of the European Union, you also have the right to:

1. Know the legal basis for processing your data.
2. Be informed of the data transfer mechanisms to non-EU countries if applicable.
3. Lodge a complaint with a supervisory authority.

Additional Rights under CCPA:

If you are a resident of California, you have additional rights including:

1. Knowing the categories of personal information collected and the purposes for which such information will be used.
2. Requesting the deletion of personal information.
3. Opting out of the sale of personal information.
4. Non-discrimination when exercising privacy rights.

United States-Specific Privacy Compliance

We comply with various state-specific privacy laws to ensure the protection of residents’ personal information. This includes compliance with laws in Colorado, Connecticut, Utah, Virginia, and other states as applicable. These laws grant residents rights such as the ability to access, correct, delete, and opt-out of personal data processing.

International Users

Our services are accessible worldwide. However, depending on where you reside, your data may be transferred across borders, including outside the European Economic Area (EEA). By using our services, you consent to the transfer of your personal data to countries that may not have the same level of data protection as your home country. We ensure that appropriate safeguards are in place to protect your privacy.

Legal Basis for Processing (GDPR Compliance)

We process your personal data based on several legal bases, depending on the context and purpose of the processing. Primarily, we process your data to fulfill the performance of a contract to which you are a party, such as providing our services to you. In certain circumstances, we may also rely on your explicit consent, which you can withdraw at any time. Additionally, we process your personal data to pursue our legitimate interests, such as improving our services, safeguarding our platform, and offering customer support, provided that these interests do not override your rights and freedoms. Finally, we may process your data as necessary to comply with applicable laws and regulations.

Opt-Out Mechanisms

You have the right to opt out of:

1. Marketing Communications: You may opt out of receiving marketing emails or push notifications by following the unsubscribe instructions included in these communications or by contacting us.
2. Cookies and Tracking Technologies: You can control cookies through your browser settings or other tools provided. However, disabling cookies may affect your ability to use certain parts of our services.

Federal Compliance

Although the United States does not currently have a federal data privacy and protection law, we commit to complying with any such legislation should it be enacted.

Children’s Privacy

We do not work with children under the age 18.

Contact Us

If you wish to make a request regarding your personal data under any applicable U.S. state laws or inquire about federal data privacy and protection compliance, please send an email with a detailed description of your specific query or information to support@optionetwork.io.

If you are interested in the privacy rules in the United States, please email us at privacy@optionetwork.io.  

Changes to This Privacy Policy

We may update this policy from time to time to reflect changes to our information practices. We will notify you by revising the date at the top of the policy and, in some cases, we may provide you with more prominent notice (such as adding a statement to our homepage or sending you a notification).

Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:

Email: support@optionetwork.io

Phone: (385) 309-0646

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