Privacy Policy

1. Information We Collect

1.1 Information You Provide

We collect information you provide directly to us, including:

• Account Information: Name, email address, phone number, and business information when you register for an account
• Payment Information: Payment card details, bank account information, and billing addresses when making payments
• Transaction Data: Details about payments you make or receive, including account numbers, amounts, and dates
• Identity Verification: Government-issued ID, Social Security Number, or Tax ID as required for compliance
• Communications: Information you provide when contacting customer support or communicating with us

1.2 Information We Collect Automatically

• Device Information: IP address, browser type, operating system, and device identifiers
• Usage Data: Pages viewed, features used, time spent on our platform, and interaction patterns
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Data collected through cookies, web beacons, and similar technologies

1.3 Information from Third Parties

• Government Agencies: Balance data and account information provided by agencies using our API or CSV integration
• Payment Networks: Information from Stripe and other payment processors necessary to process transactions
• Identity Verification Services: Data to verify your identity and prevent fraud
• Credit Bureaus: Information for risk assessment when required

2. How We Use Your Information

We use the information we collect to:

• Process Transactions: Facilitate payments, transfers, and related financial services
• Maintain Your Account: Create, manage, and secure your DyerPay account
• Comply with Legal Requirements: Meet regulatory obligations including KYC (Know Your Customer), AML (Anti-Money Laundering), and tax reporting
• Prevent Fraud: Detect, investigate, and prevent fraudulent or illegal activities
• Improve Our Services: Analyze usage patterns to enhance functionality and user experience
• Communicate with You: Send transaction confirmations, account notifications, and important updates
• Provide Customer Support: Respond to your inquiries and resolve issues
• Marketing: Send promotional communications (with your consent where required)

3. How We Share Your Information

We may share your information with:

3.1 Service Providers

• Payment Processors: Stripe and other payment networks to process transactions
• Identity Verification: Third-party services to verify identities and prevent fraud
• Cloud Services: Hosting providers for data storage and processing
• Analytics Providers: Services that help us understand platform usage

3.2 Government Agencies

We share payment and transaction information with the government agencies you make payments to, including account numbers, payment amounts, dates, and payer information.

3.3 Legal Requirements

We may disclose your information when required by law, court order, subpoena, or government regulation, or when necessary to protect our rights, your safety, or the safety of others.

3.4 Business Transfers

If DyerPay is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

4. Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data transmitted is encrypted using TLS/SSL protocols
• PCI DSS Compliance: We maintain Payment Card Industry Data Security Standard certification
• SOC 2 Compliance: Our systems undergo regular third-party security audits
• Access Controls: Strict limitations on who can access personal information
• Monitoring: 24/7 system monitoring to detect and prevent unauthorized access
• Data Minimization: We collect only the information necessary for our services

5. Data Retention

We retain your information for as long as necessary to:

• Provide our services and maintain your account
• Comply with legal and regulatory obligations (typically 7 years for financial records)
• Resolve disputes and enforce our agreements
• Prevent fraud and maintain security

After the retention period expires, we securely delete or anonymize your information.

6. Your Privacy Rights

Depending on your location, you may have the following rights:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal retention requirements)
• Portability: Request a copy of your information in a portable format
• Opt-Out: Opt out of marketing communications (transaction-related messages will continue)
• Object: Object to certain processing of your information
• Withdraw Consent: Withdraw previously given consent at any time

To exercise these rights, contact us at privacy@dyerpay.com.

7. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Keep you signed in to your account
• Remember your preferences and settings
• Analyze platform usage and performance
• Provide personalized experiences
• Detect and prevent fraud

You can control cookies through your browser settings, but disabling cookies may limit functionality.

8. Children's Privacy

DyerPay is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

9. International Transfers

Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws. When we transfer your information internationally, we ensure appropriate safeguards are in place.

10. California Privacy Rights (CCPA)

California residents have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information (subject to exceptions)
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising CCPA rights

To exercise these rights, email privacy@dyerpay.com with "California Privacy Rights" in the subject line.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notifications for significant changes

Your continued use of DyerPay after changes are posted constitutes acceptance of the updated Privacy Policy.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: