We will not sell or lease any part of your personal information to third parties for promotional purposes without your express consent. In order for us to offer Bizify.me to our users, improve the quality of our services, and protect our users’ interests, we will, however, under limited circumstances, share certain personal data with third parties under strict restrictions, as long as nothing else has been stipulated.
1.3. Third-Party Sites
Some pages on the Bizify.me website contains links to third-party sites. These websites are governed by their respective privacy policies and Bizify.me is not responsible for their activities, including (but not limited to) their data practices. Users who send information to or through these third-party websites should review the privacy policies of the sites before submitting personally identifiable information to them.
1.4. Special Notice Regarding Children
Children are not entitled to use Bizify.me services and we urge minors (individuals less than 18 years of age or individuals younger than the age of majority in the jurisdiction to which they belong, provided it is not less than 18) to not send any personal data to us and not to use Bizify.me services.
2. Information we Collect
2.1. Mandatory Information
If you want to open a Bizify.me account or use Bizify.me, you may need to enter your name, address, phone number, and email address. In order to make payments via Bizify.me, you must provide information about a credit card, debit card or bank account. We also ask you to choose two different security questions to answer (for example, your birthplace or a pet’s name). We will also request other commercial information and/or identification information if it is required to fulfill our obligation to prevent money laundering under European law.
2.2. Use of Your Device
When you use Bizify.me with a device (whether you connect to Bizify.me wirelessly, through a wired connection, or in any other way), we may collect and store registration data for the device (including device ID) and geographic location data, to provide Bizify.me.
If you use some of our features, we may ask you to upload an image of yourself in order for us to be able to provide those features. You must be recognizable in the image. The picture is entirely your responsibility.
2.4. Transaction Information
When you use Bizify.me to pay someone or to request a payment from another person, we ask for data about that transaction. The data contains information about the amount, transaction type, and other information about the purchase, as well as the email address of the third party. When you pay another Bizify.me customer, you may be prompted to provide personal information to this customer to complete the transaction. This information can also be forwarded to us from the customer. We also register Internet address (IP address) and other identification information about the computer or device you use to access your Bizify.me account or use Bizify.me services, to more easily detect possible cases of unauthorized transactions.
2.5. Third-Party Information
In order to protect all our customers against potential fraud, we may verify the information you provide with payment processors and/or credit agencies and anti-fraud agencies. In connection with these verification checks, we will receive personally identifiable information about you through the services. Especially if you register a credit or debit card or bank account at Bizify.me, we will use card verification and fraud checks to ensure that your card or bank details and your address matches the information you have submitted to Bizify.me and that the card has not been reported as lost or stolen.
If you send or receive large payment volumes through Bizify.me or if you, as a merchant, have a limited sales history, we will in some cases do a background check on your business by retrieving information about you and your business, and possibly (to the extent permitted by law) about your directors, shareholders, and partners, from a credit-reporting or anti-fraud agency. If you owe us money, we generally request credit information from a credit reporting or anti-fraud agency to obtain further information about you, to the extent permitted by law. Bizify.me reserves the right, at its sole discretion, to regularly retrieve and review corporate and/or consumer credit reports provided by such credit reporting or anti-fraud agencies for any account and reserves the right to terminate an account based on the information received during the credit review process.
If you use your Bizify.me account to sell items, we may also collect public data about your business and behavior on social media (such as your email address and the number of “likes” and “followers“) to the extent that it is relevant to confirm an assessment of your transactions and/or your business, including the size of the business and the size of the customer base.
2.6. Information About you From Other Sources
We may also retrieve information about you from other sources, including from members of the corporate group Bizify.me belongs to or through other companies (subject to their privacy policies and applicable laws) as well as from other accounts we have reason to believe you are controlling (partially or completely).
2.7. Further Verification
If we can not verify the information you provide, or if you request a transfer using information that is not consistent with our data or information associated with your debit card, we may ask you to transfer or send more information to us via the Bizify.me messaging function or email (e.g. your driving license, a debit card statement and/or other information that verifies the veracity of the information in question) in order to help us verify your information.
2.8. Site Traffic Data
Due to the nature of Internet communication standards, we automatically receive information about the website you arrive from and the website you end up at when you arrive at or leave the Bizify.me website. We also collect information about which pages you visit, IP addresses, which browser you use, and what times you visit our site.
2.9. Cookies, Web Beacons, Local Storage, and Similar Techniques
More detailed information about the use of these technologies is available in our policy on Cookies, Web Beacons, and Similar Technologies.
When you communicate with us (e.g. via email, phone, the Bizify.me messaging function, social media, etc.), we will store that data and our replies to you.
2.11. Surveys, Studies, and Profile Data
From time to time, we offer optional surveys and studies for our users to collect demographic information or assess the interests and needs of our users. If we collect personally identifiable information from our users in these surveys and studies, users will be informed of how the information will be used before participating in the survey or study.
2.12. Account Information
3. How we Use Information We Collect
3.1. Internal use
We collect, store and process your information on servers located in Sweden and elsewhere in the world. Our primary reason for collecting personal information is to offer you a safe, smooth, efficient and customized experience. You consent to us using your personal information to:
- Process transactions and offer Bizify.me,
- Verify your identity, including when you create your account and to reset your password,
- Resolve disputes, collect fees and troubleshoot problems,
- Manage risks, or detect, prevent, and/or remedy fraud or other potentially illegal or prohibited activities,
- Detect, prevent or remedy violations of policies or current user agreements,
- Provide customer support,
- Improve Bizify.me by customizing the user experience,
- Measure how Bizify.me works and improve content and layout,
- Manage and protect our IT infrastructure,
- Deliver targeted marketing and advertising, service updates, and promotional offers based on the communication settings you’ve defined for your Bizify.me account (see section “Our Contact with Bizify.me Users” below) and your activities when using Bizify.me, and to
- Perform checks for creditworthiness and ability to pay, compare information for exactitude, and verify it with third parties.
3.2. Surveys, Studies, and Profile Data
If you choose to respond to our optional surveys or studies, we may use that information to improve Bizify.me, make marketing offers or advertisements, or for other reasons explained in detail in the survey or study in question.
3.3. Our Contact with Bizify.me Users
We regularly communicate with our users by e-mail or through the Bizify.me messaging function to perform requested services. We also communicate with our users over the phone and/or the messaging function to:
- Resolve customer complaints or disputes with users via Bizify.me,
- Respond to customer service requests,
- Inform users if we believe that their accounts or any of their transactions have been used for illegal purposes,
- Verify information about a user’s identity, company or account activity,
- Carry out collections,
- Conduct customer surveys, and
- Investigate suspicious transactions.
We use your e-mail address and other means of communication when confirming that you have opened a Bizify.me account, to send messages about payments that you make or receive through Bizify.me (including payments for recommendations as described below), to send information about important changes to our products and services, and to send notices and other information required by law. In general, users can not opt out of these messages, but they will primarily contain information and not advertising.
We occasionally also use your email address and/or the messaging function in your account to send other types of messages that you can control, including newsletters, customer surveys, and notices about certain third-party campaigns. You can choose to receive some, all or none of these messages when you complete the registration process, or at a later date, by logging in to your account at Bizify.me and changing the settings.
We may contact you by SMS as described above (and SMS will be treated as email in regards to managing your communication settings). In conjunction with independent audits of our financial reports and our business, auditors may attempt to contact a selection of our customers to confirm that our records are correct. However, the auditors can not use personally identifiable information for any secondary purposes.
We can combine your information with information we collect from other companies and use it to improve and customize Bizify.me. If you do not want to get promotional material from us or join our promotional programs, just log in to your account, select My Account, My profile and then My Account Settings and update your message settings, or simply follow the instructions provided with the promotional message or advertisement.
5. How We Share Information with Other Users
Your credit/debit card number, bank account number, and other payment information will not be disclosed to people you have paid nor people who have paid you through Bizify.me’s services or third parties using Bizify.me’s services without your express consent except if we are legally required to do so because of credit card rules, court decisions or other legal processes. If you buy goods or services and pay through Bizify.me, we may provide the seller with the shipping address for the goods and your billing address so that the transaction can be completed. If you use the mobile app, we may share the photo you have stored in the app with other Bizify.me users so that they can identify you. You entitle us to use the photo for the above purpose on a non-exclusive, worldwide, royalty-free, transferable and sub-licensable basis.
If you use Bizify.me to sign in to external websites or mobile apps, we may share your login status with the third party that offers the service as a login method. We may also share personal information or other account information that you have approved for sharing so that the third party knows who you are. Bizify.me does not provide third party access to your Bizify.me account, and we only make payments from your account to the third party upon your specific approval.
We work with third parties, including merchants, to be able to accept or facilitate payments from or to you through Bizify.me services. Third parties may herein disclose information about you to us, such as your email address, when making a payment to you or when you try to pay the merchant or the third party. We use this information to confirm that you are a Bizify.me customer, that Bizify.me can perform the payment, and to notify you that you have received a payment when a payment to you is made. If you request that we validate your status as a Bizify.me customer for a third party, we will also do this. Please note that third parties you purchase from and have an agreement with may have privacy policies of their own. Bizify.me is not responsible for their activities, including but not limited to their data practices.
6. How we Share Information With Third Parties
Like most banks or payment service providers, Bizify.me collaborates with third-party providers. These service providers provide important features that enable us to offer a simple, fast and secure way of paying. Bizify.me also collaborates with other business partners. Sometimes we have to provide information about our users to them so that the services can be performed.
In order to provide Bizify.me, some of the data we collect may need to be transferred to payment providers, payment processors, or account holders (or similar entities). You confirm that these entities may be subject to laws, regulations, inquiries, investigations or orders that may require disclosure to the relevant authorities of the country in question. By using Bizify.me, you consent to the disclosure of such information in order to provide Bizify.me.
7. Data Collection Purposes you Consent to
In particular, you agree to and instruct Bizify.me to do any or all of the following with your information:
7.1. Provide the necessary information to the police and other law enforcement agencies; security forces; authorized state, intergovernmental or supranational bodies; authorized bodies, departments, regulatory authorities, self-regulatory authorities or organizations and other third parties that we are legally enforced and allowed to comply with, including all organizations that we have reason to believe are appropriate for us to cooperate with during investigations of fraud or other illegal activities or potentially illegal activity, or to investigate violations of our User Agreement (including your payment option or credit or debit card issuer). If you are covered by the FATCA or CRS Act, we are obliged to notify you of any information about you that we may transfer to authorities. We and other organizations, including parties that accept Bizify.me, may also share, access and use (including from other countries) necessary information (including, without limitation, the information recorded by anti-fraud agencies) to help us and them assess and manage risks (including, without limitation, to prevent fraud, money laundering, and financing of terrorist activities).
7.2. Issue account information to intellectual property owners if they, under applicable law in an EU country, have a claim against Bizify.me for the extrajudicial disclosure of information due to a violation of their intellectual property rights for which Bizify.me services have been used (e.g. without limitation, Section 19, Section 2, Subsection 3 of the German Trade Marks Act or Section 101, Section 2, Subsection 3 of the German Copyright Act).
7.3. Provide the necessary information in response to the requirements of payment card companies or civil or criminal proceedings. If you, as a merchant, use a third party to access or integrate with Bizify.me, we may provide necessary information to such a partner to facilitate and maintain such an agreement (including, without limitation, the status of your Bizify.me integration, regardless of whether you have an active Bizify.me account and if you are already working with another Bizify.me integration partner).
7.4. Provide necessary information to payment processors, accountants, customer service providers, credit and fraud agencies, financial product suppliers, commercial partners, marketing and promotional agencies, service providers, group companies, organizations, marketplaces and other third parties listed here. The purpose of disclosing the information is to provide Bizify.me to you.
7.5. Provide information to your representative or legal representative (e.g. a proxy or guardian).
7.6. Provide aggregate statistical information to our business partners or for public relations purposes.
7.7. Customer Support: In order to help customers, such as performing services for your accounts or resolving disputes (such as billing or transactions).
7.8. Compliance With the Law: in order to help Bizify.me comply with anti-money laundering and terrorist financing requirements.
7.9. Service Providers:
In order to allow service providers, in accordance with agreements made with us, to assist with our business, for example, to prevent fraud, to raise funds or to provide marketing services, customer service or other technical services. Our agreements stipulate that these service providers may only use your information in connection with the services they perform for us and not for their own use.
7.10 Mergers & Acquisitions
7.11. Third-Party Websites
If you create a Bizify.me account directly from a third-party site or through a third-party application, any information you provide on that site or in that application (and not directly on a Bizify.me website) will be shared with the entity that owns and/or operates the third-party website or application. These sites are governed in accordance with their privacy policies and you should review their privacy policies before disclosing personal information. Bizify.me is not responsible for how such third parties use content or information.
7.12. Information Transfer to Other Countries
Bizify.me pledges to protect your information in an appropriate way, regardless of where your data exists, and to protect such data appropriately if it is transferred to a non-EEA location.
8. Your use of Information and Bizify.me
In order to facilitate transactions between Bizify.me users, there is limited access to other users’ contact and delivery information through our service. You agree to only use the information you glean about other users through the use of Bizify.me or through communication related to Bizify.me or through a transaction that is facilitated by Bizify.me for the following purposes:
- Communication related to Bizify.me that is not unwanted commercial messages or “spam”, as well as,
- Documents relating to payments or transactions carried out through Bizify.me and other purposes the user has agreed to after having received sufficient information about the purpose, as long as the purpose in question is relevant and allowed by the other policies and directives that govern the use of Bizify.me.
You must always allow users to delete their data from your database and review all the information you have collected about them. More generally, you must comply with all applicable privacy rules, especially when it comes to sending promotional e-mails.
9. Information Security
Bizify.me pledges to handle your data with high standards for information security. We use computer protections such as firewalls and data encryption, we apply physical access control to our facilities and archives, and we only provide access to personal data to employees who need it to perform their duties.
Your Bizify.me account’s security also depends on protecting your Bizify.me password. You may not disclose your Bizify.me password to anyone. Bizify.me representatives never ask you to reveal your password, so all e-mail and other communications that ask for your password should be reported and ignored. If for any reason, you disclose your Bizify.me password to a third party, including for the reason that the third party has promised to provide additional services, the third party will gain access to your account and your personal data, and you may be held responsible for actions that were performed using your password. If you think someone else has gained access to your password, you must immediately change it by signing into your account and changing it in your profile settings.
10. Access & Edit Your Data
You can review and edit your data or the settings for your Bizify.me account at any time by logging in to your account on the Bizify.me website. You can also terminate your account via the Bizify.me website. If you terminate your Bizify.me account, we will mark your account as terminated in our database, but we will keep your account information. This is necessary to counter fraud by ensuring that those trying to commit fraud will not be able to avoid detection by closing their account and opening a new one. However, if you terminate your account, your personally identifiable information will not be used for any additional purposes by us, nor will it be sold or in any other way transmitted to third parties except when this is necessary to prevent fraud, to assist in judicial proceedings, or as otherwise required by law.