This agreement was last modified on May 24, 2018
Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person or company and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.
The Information we Collect
When you visit the website or use one of our mobile applications, we collect your IP address, and standard web log information, such as your browser type and the pages you accessed on our website. We also may collect certain geo-location information. If you do not agree to our collection of this information, you may not be able to use our Service.
If you open an account, we collect the following information from you:
- Account Information – text-enabled cellular/wireless telephone number, machine or mobile device ID and other similar information.
- Identification Information – your name, street address, email address, date of birth, and SSN (or other governmental issued verification numbers).
- Device Information – We also may obtain information about you: (a) from your mobile device such as your device type, machine or mobile device identification number, geo-location, time zone, language setting, browser type, and IP address, and (b) from third parties for purposes of transaction processing, identity verification, fraud detection or prevention and other similar purposes. For fraud prevention purposes, we also may link your machine ID with the machines of others who use your same payment cards.
- Social Web Information – including but not limited to your Facebook connect credentials and email account information. If you authorize Facebook Connect, the plug in allows us access to your friends' contact information. Social and e-mail contact information helps you connect to friends and contacts for invitation and payment transmission purposes (as well as helping us improve our services and fight fraud).
- Financial Information – bank account and routing numbers and credit cards linked to your Wyre account. Wyre does not share financial information with third party social networking services such as those listed in the prior paragraph.
We are committed to providing a safe, secure and all around great service. Therefore, before permitting you to use our service, we may require additional information from you we can use to verify your identity, address or other information or to manage risk and compliance throughout our relationship. We may also obtain information about you from third parties such as identity verification, fraud prevention and similar services.
When you are using our Service, we collect information about your account transactions and trust relationships and we may collect information about your computer or other access device for fraud prevention and other similar purposes.
Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.
When you access our website, we, or companies we hire to track how our website is used, may place small data files called cookies or pixel tags on your computer or other device. For example, we send a "session cookie" to your computer any time you log in to your Wyre account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don't need to ask you for your password on each page. We use these technologies to recognize you as a Wyre customer, customize content and advertising, measure promotional effectiveness, and collect information about your computer or other access device to mitigate risk, help prevent fraud, and promote trust and safety.
Any interest-based advertising placed on Wyre’s behalf will contain information or near them that informs you about the third party delivering you the ads and how to opt out of receiving similar ads from that party in the future. If you do not see any information about how to opt out of receiving these ads, you are likely receiving a generic ad that was not specifically targeted towards you.
Users are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.
How we Protect and Store Personal Information
We store and process your personal information using third party servers located in secure data centers in the United States, This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities. By using Wyre, you are consenting to have your Personal Information stored, transferred and processed in the United States. Whenever we transfer your personal information out of the European Union, we ensure that it is all securely stored and processed in Amazon Web Services.
Notice for Residents of the European and Swiss Economic Areas, Privacy Shield and Contractual Terms
Wyre is committed to subjecting all personal data received from European Union (“EU”) member countries and Switzerland, in reliance on the Privacy Shield Framework (“Privacy Shield”), to the Privacy Shield’s applicable Principles. To learn more about the Privacy Shield Framework, and to view our certification page, please visit: https://www.privacyshield.gov
Wyre is responsible for the processing of personal data we receive, and subsequently transfers to a third party acting as an agent on our behalf. Wyre abides by the Privacy Shield Principles for all onward transfers of personal data from the EU and Switzerland, including, unless we prove that we are not responsible for the event giving rise to the damage, the onward transfer of liability provisions.
Wyre is subject to the regulatory enforcement powers of the U.S. Federal Trade Commission. In certain situations, Wyre may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements.
If these processes do not result in a resolution, you may then contact your local data protection authority, the U.S. Department of Commerce, and/or the Federal Trade Commission for assistance.
Please be advised that the arbitrator(s) may only impose individual-specific, non-monetary, equitable relief necessary to remedy any violation of the Privacy Shield Principles with respect to the resident.
Wyre may transfer your Personal Data to countries other than the one in which you live. We deploy the following safeguards if Wyre transfers Personal Data originating from the European Union or Switzerland to other countries not deemed adequate under applicable data protection law.
These frameworks were developed to enable companies to comply with data protection requirements when transferring personal data from the European Union and Switzerland to the United States.
Wyre offers European Union Model Clauses, also known as Standard Contractual Clauses, to meet the adequacy and security requirements for our Customers that operate in the European Union, and other international transfers of Customer Data. A copy of our standard data processing addendum, incorporating Model Clauses, is available upon request to [email protected]
We make reasonable efforts to ensure security on our systems. Despite our efforts, we cannot guarantee that personal information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your password with anyone.
If Wyre learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using our services, you agree that Wyre may communicate with you electronically. Wyre may post a notice on the Website if a security breach occurs. Wyre may also send you an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach) you should notify us.
How we use the Personal Information we Collect
Our primary purpose in collecting personal information is to provide you with a safe, smooth, efficient, fun and customized experience.
We may use your personal information to:
- provide the services and customer support you request;
- process transactions and send notices about your transactions or your network activity;
- resolve disputes, collect fees, and troubleshoot problems;
- prevent potentially fraudulent, prohibited or illegal activities, and enforce our User Agreement;
- customize, personalize, measure, and improve our services and the content and layout of our website;
- Deliver targeted marketing, service update notices, and promotional offers based on your communication preferences;
- compare information for accuracy and verify it with third parties;
- perform other duties as required by law.
How we Share Personal Information with other Wyre Users
To process your payments on Wyre, we need to share some of your personal information with the person or company that you are paying or is paying you. Your contact information, date of sign-up, the number of payments you have received and other verification metrics like social graph activity may be provided to users who you transact with on or through Wyre. Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through Wyre, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.
How we Share Personal Information with other Parties
Wyre does not share your email address or phone number with third parties for promotional or marketing purposes.
We may share your personal information with:
- Financial institutions with which we partner;
- Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure, when we need to do so to comply with law we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement, or as otherwise required by law
- Third party service providers who assist us in providing services to you or who provide fraud detection or similar services on our [or any vendor's] behalf
- Service providers under contract who help with parts of our business operations such as marketing and technology services. Our contracts require these service providers to only use your information in connection with the services they perform for us, and prohibit them from selling your information to anyone else.
- Other third parties with your consent or direction to do so
- If you establish a Wyre account indirectly on a third party website or via a third party application, any information that you enter on that website or application (and not directly on Wyre’s website) will be shared with the owner of the third party website or application and your information may be subject to their privacy policies.
How you can Access or Change your Personal Information
You can review and update your personal information at any time by logging into your account and clicking the Your Account tab or using one of our mobile applications.
Deleting your account:
You can delete your account by emailing [email protected]. Subject to “Exceptions” section below, when you request for us to delete your account for the Service, your data will be permanently deleted from our servers and access to your account will be disabled.
We may retain your Personal Information in accordance with our retention policy and to the extent required to comply with (or we deem it reasonable in light of) any laws or regulations.
Requesting a copy of your information:
You can request a copy of your information which we hold (in Europe this is known as a subject access request). IF you would like a copy of some or all of it, please contact us and let us know the information you want a copy of, including any account or reference numbers, if you have them. Any subject access request may be subject to a reasonable fee to cover the cost of providing you with details of the information we hold about you.
Correcting any mistakes in your information:
You can require us to correct any mistakes in your information which we hold free of charge. If you would like to do this, please contact us and let us know the information that is incorrect and the information you want it replaced with.
Request us to cease processing your information:
You may request that we cease processing your personal information. If you make such a request, we shall retain only the amount of personal information pertaining you that is necessary to ensure that no further processing of your personal information takes place.
California Residents - Your California Privacy Rights:
We do not disclose your personal information to third parties for the purpose of directly marketing their goods or services to you unless you first agree to such disclosure. If you have any questions regarding this policy, or would like to change your preferences, you may contact us.
Links to other Sites
The Website may contain links to other sites. Wyre does not control the information collection of sites that can be reached through links from the website. We encourage our users to be aware when they are leaving our site and to read the privacy statements of each website that collects personally identifiable information.
How to Contact us
If you have questions or concerns regarding this policy, or any feedback that you would like us to consider, please email us at [email protected]