This Privacy Policy explains our online and offline information practices, the kinds of information we may collect, how we intend to use and share that information, and how you can opt-out of a use or correct or change such information. The terms “IPAY,” “us,” “we,” and “our” refer to Ipay Invoicing & Escrow Services and its affiliates. The terms “you” and “your” refer to any person or business that applies or signs up for a Ipay Invoicing & Escrow Services account, or accesses or uses any IPAY application, product, service, feature, technology, content, or website (collectively, “Services”).

Personal Information You Provide Directly to Us

We collect information you provide when you apply or sign up for a IPay account or use Ipay Invoicing & Escrow Services and when you provide information as part of our identity or account verification process. We may collect information about you, including but not limited to:

• Identification information, such as your name, email address, mailing address, phone number, Government-issued identification (ID).

Other historical, contact, and demographic information. We may collect Personal Information from you such as email address, phone number or mailing address when you contact us to request information about our Services, register for our newsletter that we may offer, request to receive customer or technical support, or otherwise communicate with us.

Personal Information We Collect from Your Use of our Services

We collect information about you when you use our Services, including but not limited to:

• Device Information. We may collect specific information about the computer or mobile device (“device”) used when you access our Services, including your hardware model, operating system and version, unique device identifier, internet service provider, mobile network information, and information about the device’s interaction with our Services. We may also identify other software running on the device for anti-fraud and malware-prevention purposes, but we will not collect any content from such software.
• Location Information. Through our applications, we may collect information about the location of your device.
• Use Information. We collect information about how you use our Services, including your access date and time, browser type and language, and Internet Protocol (“IP”) address.
• Transaction Information. When you use our Services to make, accept, request, or record payments or money transfers, we may collect information about when and where the transactions occur, the names of the transacting parties, a description of the transactions, the payment or transfer amounts, billing and shipping information, and the devices and payment methods used to complete the transactions.

Use of Your Personal Information

We acquire, hold, use, and Process Personal Information about you for a variety of business purposes, including: To Provide Products, Services, or Information Requested We may use Personal Information about you to provide, maintain, and improve our products, Services, or information, such as:

• Processing or recording payment transactions;
• Displaying historical transaction information;
• Accessing certain areas, functionalities, and features of our services, such as business resources; and
• Delivering the information and support you request.

We also may contact you to resolve disputes, collect fees, and provide assistance for problems with our Services or your account.