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Privacy Policy

This is a privacy policy from Arrow Pay Now.

Introduction

Our Privacy Policy ("Policy") outlines how Arrow Pay Now and its associated mobile apps (collectively referred to as "the 'Applications,'" "we," "us," or "our") gather, store, employ, and disseminate personal information when you browse our website or utilize our services.

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Purpose of This Privacy Policy

This website isn't designed for children's use, and we consciously avoid gathering data related to them. It's crucial that you review this privacy policy in conjunction with any other data privacy or fair processing policies we may provide on certain occasions. These instances can occur when we are collecting or processing your personal data, so you're fully informed about our use of your data. This privacy policy complements other notices and data privacy policies and is not meant to supersede them.

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Third-Party Links

Our website may contain links to third-party websites, plug-ins, and applications. Activating these links or connections could allow third parties to gather or disseminate data about you. We do not have control over these third-party websites and are not accountable for their privacy policies. We advise you to review the privacy policy of every website you visit once you leave our website.

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Personal Information

Personal information, or personal data, refers to any details about a person that can be used to identify them either directly or indirectly. Information from which the identity has been removed (anonymous data) is not included.

We may gather, utilize, store, and transfer various types of personal data about you, which we have categorized as follows:

• Identity Information consists of name, billing or postage address, unique personal marker, online marker, IP address, email address, Social Security number, driver's license number, passport number, government ID number, bank account number, date of birth, photograph, phone number, or other comparable identifiers.

• Contact Information comprises name, billing or postal address, email address, and phone numbers.

• Financial Information consists of payment details such as credit card numbers and bank account details.

• Transaction Information includes specifics about payments made to and from you, as well as details of goods and services you have bought from us.

• Technical Information includes your IP address, login details, browser type and version, timezone setting and location, browser plug-in types and versions, operating system and platform, and other technologies on the devices you use to access our website.

• Profile Information includes your username and password, your purchases or orders, your interests, preferences, feedback, and survey responses.

• Usage Information includes data about how you use our website, products, and services.

• Marketing and Communications Information includes your preferences for receiving marketing from us and our third parties and your communication preferences.

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Inability to Provide Personal Data

If we are legally required to collect personal data from you, or if it's a prerequisite for a contract we have with you, and you fail to provide the necessary data when asked, we may be unable to fulfill the contract we have or are attempting to establish with you (for instance, to deliver goods or services to you). In such situations, we might need to terminate a product or service you have with us, but we will inform you of this at the appropriate time.

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Methods of Collecting Your Personal Data

We utilize various techniques to gather personal information from and about you, which include:

• Direct interactions: You might share details such as your name, billing address, shipping address, and payment details, including credit card numbers, email addresses, and phone numbers with us.

• Automated technologies or interactions: While you engage with our website, we automatically gather technical data concerning your device, browsing behavior, and patterns. We amass this personal data using cookies, server logs, and other similar technologies. We may also obtain technical data about you if you visit other websites that use our cookies.

• Business partners: These include online interactions you may have with our service providers, online identity and fraud verification services, social media sites, and analytics providers.

Usage of Your Personal Data

We will employ your personal data only when legally permissible. Most frequently, we will use your personal data in the following situations:

• When it's necessary to fulfill a contract we are about to enter into or have entered into with you.

• When it is necessary for our legitimate interests (or those of a third party), provided your interests and fundamental rights do not override these interests.

• When do we need to comply with a legal obligation?

Typically, we do not rely on consent as a legal basis for processing your personal data, although we will obtain your consent before sending third party direct marketing communications to you via email or text message. You maintain the right to withdraw consent to marketing at any time by reaching out to us.

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How We Plan to Use Your Personal Data

Below, we have provided a description of the various ways we intend to use your personal data in a tabular format. Additionally, we've specified the legal bases we adhere to for such usage and identify our legitimate interests where applicable.

Please note that depending on the specific purpose for which we are using your data, we may process your personal data on more than one lawful basis. If you need more details about the specific legal basis we are relying on to process your personal data where more than one basis has been mentioned in the table below, please reach out to us.

Purpose/Activity | Type of Data | Lawful Basis for Processing --- | --- | --- To register you as a new customer | a) Identity b) Contact c) Financial | Fulfilling a contract with you To deliver our services which include: a) Managing payments, fees, and charges b) Customer support | a) Identity b) Contact c) Financial d) Transaction e) Marketing and Communications | a) Fulfilling a contract with you b) Necessary for our legitimate interests (to recover debts owed to us) To manage our relationship with you which will include: a) Informing you about changes to our terms or privacy policy b) Requesting you to leave a review or complete a survey | a) Identity b) Contact c) Profile d) Marketing and Communications | a) Fulfilling a contract with you b) Required to comply with a legal obligation c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products/services) To facilitate your completion of a survey | a) Identity b) Contact c) Profile d) Usage e) Marketing and Communications | a) Fulfilling a contract with you b) Necessary for our legitimate interests (to study how customers use our products/services, to develop them, and expand our business) To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting, and hosting of data) | a) Identity b) Contact c) Technical | a) Necessary for our legitimate interests (for running our business, provision of administration and IT services, network security, to prevent fraud and in the context of a business reorganization or group restructuring exercise) b) Required to comply with a legal obligation To deliver relevant website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you | a) Identity b) Contact c) Profile d) Usage e) Marketing and Communications f) Technical | Necessary for our legitimate interests (to study how customers use our products/services, to develop them, to expand our business, and to inform our marketing strategy) To use data analytics to improve our website, products/services, marketing, customer relationships, and experiences | a) Technical b) Usage | Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy) To make suggestions and recommendations to you about goods or services that may be of interest to you | a) Identity b) Contact c) Technical d) Usage e) Profile f) Marketing and Communications | Necessary for our legitimate interests (to develop our products/services and grow our business)

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Marketing Promotions From Us

We may utilize your Identity, Contact, Technical, Usage, and Profile Data to form an understanding of what we believe you might be interested in or require. This helps us to determine which products, services, and offers might be suitable for you (we refer to this as marketing).

If you have requested information from us or purchased our products and haven't chosen to opt out of our marketing, you will receive marketing communications from us.

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Marketing by Third Parties

Before sharing your personal data with any third party for promotional purposes, we will obtain your explicit opt-in consent.

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Choosing to Opt Out

You have the right to request us or any third parties to cease sending you marketing messages at any time.

However, opting out of receiving these marketing messages will not apply to the personal data that you've provided to us due to a product purchase, warranty registration, or other transactions.

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Use of Cookies

You have the option to configure your browser to reject all or some cookies or to notify you when websites set or access cookies. Please be aware that if you disable or refuse cookies, certain parts of this website may become inaccessible or may not function correctly. For more information, please refer to our Cookie Policy.

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Change in Purpose of Use

We will only use your personal data for the reasons for which we initially collected it unless we reasonably consider that we need to use it for another purpose that is compatible with the original one.

If we need to use your personal data for an unrelated purpose, we will inform you and explain the legal basis which allows us to do so.

Please be aware that we may process your personal data without your knowledge or consent when it is required or permitted by law in accordance with the above rules.

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Sharing Your Personal Data

We may share your personal data across our services and with third parties to enable us to provide services, protect our customers from risk and fraud, market our products, and meet legal obligations. We may share personal data with:

• Service providers. • Third parties whom you or your agents have authorized us to disclose your personal information in connection with our Services. • Social networks. • Merchants. • Partners. • Government agencies to comply with regulatory and legal requirements.

We expect all third parties to respect the security of your personal data and treat it in accordance with the law. We do not allow our third-party service providers to use your personal data for their own purposes and only permit them to process your personal data for specified purposes and in accordance with our instructions.

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Transferring Data Internationally

In instances where your personal data is transferred outside of the European Economic Area ("EEA"), we ensure that it is protected to the same extent by using standard contractual clauses that have been approved by the European Commission. These clauses provide protections for personal data that are comparable to those in Europe.

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Securing Your Data

We have implemented suitable security measures to prevent accidental loss, unauthorized use or access, alteration, or disclosure of your personal data. Moreover, we restrict access to your personal data to our employees, agents, contractors, and other third parties who need to know it for business purposes.

These individuals are only allowed to process your personal data based on our directives, and they are bound by a confidentiality obligation. If we suspect a breach of personal data, we have procedures in place to address it, and we will inform you and any relevant regulatory body as required by law.

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Retention of Your Data

We retain your personal data only for as long as is reasonably necessary to achieve the purposes for which we collected it, including compliance with legal, regulatory, tax, accounting, or reporting requirements. In the event of a complaint, or if we believe there is a likelihood of litigation concerning our relationship with you, we may hold onto your personal data for a longer period.

In determining the appropriate retention period for personal data, we take into account the quantity, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure, the purposes for processing the personal data, and whether these can be achieved by other means, and the relevant legal, regulatory, tax, accounting, or other requirements.

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Your Rights Pertaining to Personal Data

As the individual to whom the personal data pertains, you are entitled to certain rights regarding the personal data we maintain about you. These rights include:

  • Access: You can request a copy of your personal data.

  • Rectification: You can ask us to correct any inaccuracies in your personal data.

  • Erasure: You can request the deletion of your personal data.

  • Objection: You have the right to object to our use of your personal data.

  • Restriction: You can ask for the processing of your personal data to be limited.

  • Portability: You can request that your personal data be transferred to you or another party.

If you wish to exercise any of these rights, please reach out to us at info@arrowpaynow.com.

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Rights Specific to California Residents

If you reside in California, kindly refer to our 'Privacy Policy for California Residents' for additional information about our data processing practices and your privacy rights as a Californian.

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No Standard Fee Required

Typically, you won't be required to pay a fee to access your personal data or to exercise any other rights. However, if your request needs to be more consistent, varied, or excessive, we may impose a reasonable fee.

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Information We May Need From You

To confirm your identity and guarantee your right to access your personal data (or to exercise any other rights), we may need to ask for specific information from you. This security measure ensures that personal data isn't revealed to someone who has no legitimate right to it.

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Response Time

We aim to respond to all valid requests within one month. If your request is incredibly complex or if you've made multiple requests, it may take longer than a month. In such cases, we will inform you and keep you updated.

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Change in Privacy Policy

We regularly review our privacy policy and reserve the right to make changes to it at our discretion. When we alter this policy, we will post the updated version on our website and update the effective date. Your continued use of our website following these changes implies your acceptance of them.

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Contact Information

If you have any queries or comments about this policy, how we collect and use your information as described above, your choices and rights regarding such usage, or if you wish to exercise your rights under the Privacy Policy, feel free to contact us at:

You are entitled to lodge a complaint with the US Federal Trade Commission ("FTC"), the US data protection authority, at any time (https://www.ftc.gov). However, we would appreciate the opportunity to address your concerns before you approach the FTC, so please get in touch with us first.

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If you require this policy in a different format due to a disability, please contact our team.

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