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Privacy Policy

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Privacy Policy

Real-Time Payments Merchant Services is dedicated to protecting your privacy. We will use the best technology available to us to adhere to stringent confidentiality procedures in order to keep your personal information confidential. If you have any questions about how we will protect your privacy, please contact us.

We will update our privacy policy from time to time. You will find such updates on this page.

Our company will collect information you provide us; information about your transactions with us and /or our affiliates; information about your transactions with non-agent third parties to whom your information is disclosed by us to facilitate your Application or request; information obtained from any consumer reporting agency, like your credit history.

Our company automatically collects traffic data which includes your IP address, ISP and connected information to help us improve service and offerings . This type of traffic data does not identify you personally. As practiced on the internet, we use cookies and web-beacons to track traffic data and customer transactions for accounting purposes.

We share anonymous traffic and transactional information with service providers and agents on an aggregate basis for marketing, accounting and site-optimization purposes. But no NPPI information that identifies a customer or former customer is revealed in the collection and use of traffic data.

In order for you to use services offered by this site, you will need to provide us with NPPI information like:

  • Name
  • Address
  • Email address
  • Phone number
  • Place of employment, employer, duration of time you have worked there
  • Information directly relevant to your home and mortgage
  • Information relevant to your credit history
  • Social Security Information
  • Citizenship Information
  • Driver's License Number
  • Bank account and/or routing number
  • Date of birth
  • Information related to your debit and/or credit cards

We will use this information as prescribed above to process your requests for financial services and products.

We may disclose the NPPI collected from you on this site to our agents or non-agent third-parties such as but not limited to financial institutions and agents and service providers, as allowed and permitted by law.

Our company is dedicated to your privacy. Therefore your social security number, driver's license number, bank accounting and routing number, and debit or credit card numbers, expirations dates and security codes are immediately encrypted.

We DO NOT sell, rent or otherwise share your NPPI to third-parties excepted as explained in this privacy policy and as permitted by law.

You will NEVER be asked to provide NPPI in an e-mail by our company. DO NOT ANSWER or FULFILL any e-mail that APPEARS to BE FROM US requesting NPPI.

We reserve the right to disclose your NPPI including your e-mail address without your consent to comply with Federal, State, or local laws and legal requirements and to fulfill judicial requests and processes. We also provide our service providers with such information to confirm the integrity of information collected or to agents for accounting purposes.

We do not knowingly solicit information from persons under the age of 18. We do not offer, fulfill or provide and products or services for persons under the age of 18. By using this site, you represent that you are an adult. You acknowledge that our company's privacy policy is accessible to you and that you have had the opportunity to read such. DO NOT use this website in any manner if any condition listed in the privacy policy is not acceptable to you or if you do not agree will all of our company's terms and conditions.

Our company is not responsible for the privacy policy practiced on any other site. The privacy policy described on the site could differ from non-agent third-parties that your NPPI is shared with in order for you to retain services or products.

Real-TimePayments Privacy and Information Security Notice

Last updated: September 23, 2016

This Privacy and Information Security Notice ("Notice") describes how TodayPayments, Inc. dba: Real-TimePayments , collects, uses, shares, and protects information from or about visitors to our website at www.Real-TimePayments.com("the Site") and individuals who register on the Site to receive our services. Please read this Notice carefully and consider printing a copy for your records.

Real-TimePayments provides U.S. companies who are Real-TimePayments customers (our "Clients") a payment processing gateway providing "Good Funds" transactions, Wires, Visa Direct, ACH, Electronic Check, Credit Card, Debit Card and Paper Check conversion/payment solutions Clients (each "Client") are allowed to send and receive money to and from a U.S.-based financial institution to their customers using the Customer’s email address or mobile phone number (the "Services").

By using our Site, you agree to the terms and conditions of this Notice that can be found at privacy.html

COLLECTING AND USING INFORMATION

Personal Information We Collect

"Personal Information" means personally identifiable information such as your name, date of birth, postal or email addresses, telephone, mobile numbers, and financial account numbers.

We collect Personal Information from you when you register as a User or when you update your information through our Site. We may also collect Personal Information from our Network Banks if they receive a notification that your bank account information in our database is inaccurate and needs to be changed. In addition, we may collect Personal Information from consumer reporting agencies in order to process your registration, verify your identity, verify your bank account information and protect against or prevent actual or potential fraud or unauthorized use.

How We Use Personal Information

If you register as a User, we may use your Personal Information:

- to enable our Network Banks to complete money transfers between their customers and you;

- to send you an email or text message to notify you of a pending money transfer or request for payment;

- to verify changes you have made to your Personal Information;

- to facilitate your registration on our Site and to resolve issues relating to your Real-TimePayments registration;

- to resolve a problem related to a transaction with our Network Banks;

- to verify the existence of your bank account;

- to verify your identity;

- in connection with fraud prevention or any investigation;

- to send you information;

- for our general business purposes, including but not limited to data analysis, audits, developing new

products, enhancing our Site, identifying usage trends, and improving our services; and

- as relevant if you register an account at a financial institution and that financial institution later becomes a Network Bank, you authorize us to share relevant information about you and your account with that financial institution.

How We Share Personal Information

We may share Personal Information of Users with Network Banks, affiliates, and other third parties (such as vendors or service providers) for the purposes described above under "How We Use Personal Information." We require any service provider with whom we share Personal Information to protect the confidentiality of such information and use it solely for the purposes for which it was shared. Real-TimePayments will neither disclose nor share any of your Personal Information with our Network Banks, affiliates or any third party for purposes of marketing their or Real-TimePayments ’s products or services to you.

How We Collect and Use Other Information

"Other Information" is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as information transmitted by your browser or information collected through cookies, pixel tags and other online technologies (as described below).

We and our third-party service providers may automatically collect such information from visitors to our Site, including individuals who do not register as Users, in a variety of ways, including:

Through your browser: Certain information is collected by most browsers, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version.

Using cookies: Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, and language preferences. You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may not be able to access or use all or parts of our Site.

Using pixel tags, web beacons, clear GIFs, JavaScript or other technologies: These are online technologies that function similarly to cookies and help us track activities on our Site and to count users who open our HTML-formatted email messages.

Using your IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites.

How We Use Other Information

We may use Other Information for a number of purposes, including:

- to ensure that our Site functions properly, to continually improve the design and functionality of our Site, to understand how customers use the Site, and to assist us with resolving questions regarding the Site;

- to facilitate Site navigation, to display information more effectively, to personalize your experience while visiting the Site, and to recognize your device to allow your use of our online services;

- to measure the effectiveness of our communications and the success of our marketing campaigns, and;

- for security purposes.

Real-TimePayments may also create or compile aggregated and de-identified data, which is data that is derived from various sources, including accounts and transactions. This information, which does not identify individuals, is used by Real-TimePayments for its business purposes, which may include offering services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

ADDITIONAL INFORMATION

Links to Other Sites

We may provide links to non-Real-TimePayments websites, such as those of Network Banks or other third parties. If you follow links to websites not controlled by Real-TimePayments , you should review their privacy policies and other terms, as they may be different from those of our Site. Real-TimePayments does not guarantee and is not responsible for the privacy or security of these websites, including the accuracy, completeness, reliability or suitability of their information.

How We Protect your Personal Information

We use reasonable security measures to protect your Personal Information from unauthorized access and use. These measures include computer safeguards and secured files and buildings. We restrict access to Personal Information to our employees and service providers who need to know such information to provide you with the Services.

Maintaining the Accuracy of your Information

Keeping your Real-TimePayments profile information, including your bank account, personal information, and email addresses/mobile numbers, accurate and up-to-date is very important. If your Real-TimePayments profile information is incomplete, inaccurate or not current, please update your information by logging in to your Real-TimePayments profile login.

Contacting Us

If you have any questions regarding this Notice, refer to the latest customer service hours at contactus.html and contact us at: 1-866-927-7180 or +1 619-450-5800.

UPDATES TO THIS NOTICE

This Notice is subject to change. Please review it periodically. If we make changes to this Notice, we will revise the "Last Updated" date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.

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