Privacy Policy
Effective Date: January 16, 2025
Merced Companies Inc. (“Merced Companies,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you access or use the PayX mobile application (“PayX App”) and the PayX website located at www.PayXUSA.com (“Website”), collectively referred to as “Services.”
By using the PayX App or Website, you agree to the practices described in this Privacy Policy. If you do not agree, please discontinue use of our Services.
1. Scope and Definitions
This Privacy Policy applies to personal information collected through the PayX App and Website.
- “PayX App” refers to the PayX mobile application available for download on iOS and Android devices.
- “Website” refers to the PayX website located at www.PayXUSA.com.
- “Services” refers to all features, functionalities, and content provided through the PayX App and Website.
- “Personal Information” refers to any information that identifies, relates to, or could reasonably be linked to an individual.
2. Information We Collect
We collect personal information directly from you, automatically through your use of our Services, and from third parties.
2.1 Personal Information You Provide
When you use our Services, you may provide:
- Account Information: Name, email address, phone number, date of birth, and other registration details.
- Payment Information: Credit or debit card details, billing address, and transaction history.
- Communication Information: Information provided when contacting us, such as customer support inquiries or feedback.
2.2 Information We Collect Automatically
We may automatically collect the following when you use the PayX App or Website:
- Device Information: IP address, browser type, operating system, and unique device identifiers.
- Usage Data: Details about your interactions with our Services, including pages viewed, features used, and time spent on the App or Website.
- Location Information: With your permission, we may collect precise location data from your device.
2.3 Information from Third Parties
We may collect additional personal information from:
- Payment processors and financial institutions.
- Business partners and service providers, such as identity verification services.
3. How We Use Your Information
We use the information we collect for the following purposes:
3.1 Providing Services
To process transactions, authenticate users, and deliver requested features.
3.2 Improving Services
To analyze usage patterns, diagnose technical issues, and enhance the functionality of the PayX App and Website.
3.3 Communication
To respond to inquiries, send account updates, and provide promotional materials (with your consent).
3.4 Compliance
To comply with legal and regulatory requirements, including anti-money laundering (AML) and Know Your Customer (KYC) obligations.
3.5 Security
To detect, investigate, and prevent fraud, unauthorized access, or other malicious activities.
4. Sharing Your Information
We may share your personal information under the following circumstances:
4.1 Service Providers
With trusted third-party vendors who perform services on our behalf, such as payment processing, cloud storage, and analytics.
4.2 Business Partners
With business partners for co-branded services or joint marketing activities.
4.3 Legal Obligations
To comply with applicable laws, regulations, or legal processes, such as court orders or subpoenas.
4.4 Business Transfers
In connection with a merger, acquisition, or sale of assets, your information may be transferred to the successor entity.
5. Your Rights
Depending on your location, you may have specific rights regarding your personal information.
5.1 California Consumer Privacy Act (CCPA)
If you are a California resident, you have the following rights:
- Right to Know: Request details about the personal information we collect, use, and disclose.
- Right to Delete: Request deletion of your personal information, subject to legal exceptions.
- Right to Opt-Out: Opt out of the sale of your personal information, if applicable.
- Right to Non-Discrimination: You will not be penalized for exercising your rights.
To exercise your rights under the CCPA, contact us at privacy@payxusa.com or call (800) 123-4567.
5.2 Rights Under Other U.S. Privacy Laws
Residents of other states, such as Virginia and Colorado, may have rights to access, correct, delete, or opt out of the processing of their personal information.
6. Data Retention
We retain personal information as long as necessary to fulfill the purposes outlined in this Privacy Policy or to comply with legal requirements. Retention periods vary depending on the type of data and applicable regulations.
7. Security
We use industry-standard security measures to protect your personal information. These measures include encryption, secure servers, and regular security audits. However, no system is completely secure, and we cannot guarantee absolute data security.
8. Children’s Privacy
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have inadvertently collected such information, we will promptly delete it.
9. Cross-Border Data Transfers
Your personal information may be transferred to and processed in countries outside your country of residence, including the United States. We ensure appropriate safeguards are in place to protect your data during such transfers.
10. Third-Party Links
The PayX App and Website may contain links to third-party websites or services. We are not responsible for their privacy practices and encourage you to review their privacy policies.
11. Updates to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational needs. Any changes will be effective upon posting the updated Privacy Policy on the PayX App and Website. Your continued use of our Services constitutes your acceptance of the updated Privacy Policy.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us:
- Email: privacy@payxusa.com
- Phone: (800) 123-4567
- Mailing Address: Merced Companies Inc., 123 Main Street, Anytown, USA
By using the PayX App and Website, you consent to the terms of this Privacy Policy.
Last updated: January 16, 2025
