Meraki
Technologies LLC.(the “Company,” “we,” “us,” “pay@” and
“our”) registered in
Sharjah Media City, Sharjah, UAE, is committed to treating your personal information with respect and
sensitivity. This privacy policy (this “Privacy Policy”) explains how we may collect, store,
use, and
disclose information when you access or use (1) our website located at www.payat.app and all of our
other
websites to which this Privacy Policy is posted (collectively, the “Website”); (2) our
mobile
applications
to which this Privacy Policy is posted (collectively, the “Application”); and (3) any
services, content,
and
features made available by us through the Website or the Application (together with the Website and the
Application, the “Services”).
YOUR
ACCEPTANCE
OF THIS PRIVACY POLICY
By accessing
or
using the Services, you consent to our collection, storage, use, and disclosure of your
information as described in this Privacy Policy. The provisions contained in this Privacy Policy
supersede
all
prior notices and statements regarding our privacy practices with respect to the Services. If you do not
agree
to every provision of this Privacy Policy, you may not access or use the Services.
PROTECTING
CHILDREN’S PRIVACY
The Services
are
not directed, or intended to be attractive, to children under the age of 13. We do not
knowingly collect personal information from children under the age of 13. If you are under the age of
13, do
not
use the Services or submit any information to us. If we learn we have collected or received personal
information
from a child under the age of 13 without verification of parental consent, we will delete that
information.
If
you believe we might have any personal information from or about a child under the age of 13, please
contact us.
TYPES OF
INFORMATION WE COLLECT AND HOW WE COLLECT IT
When you
access
or use the Services, we may collect information that identifies you (“Personal
Information”),
and we may also collect information that does not identify you (“Anonymous Information”).
When Anonymous
Information is, directly or indirectly, associated or combined with Personal Information, such Anonymous
Information will be considered Personal Information for purposes of this Privacy Policy. In addition, to
the
extent Internet Protocol (“IP”) addresses or similar identifiers or information are
considered
personally
identifiable information by applicable law, we will treat such identifiers and information as Personal
Information under this Privacy Policy
Information You Provide to Us In general, you may
visit
the
Website or
download the Application without telling us who you are or sharing any Personal Information with us.
When
you
register for an account for the Services (an “Account”), use other aspects of the Services,
or
communicate
with
us for customer service or technical support for the Services, we may ask you to provide certain
Personal
Information, such as your name, email address, postal address, mobile number, and payment account
information.
Additionally, if we are required by law to send to you and file certain forms with tax authorities, we
may
ask
you to provide us or our service provider certain personal information. We may also ask you whether you
want
to
receive text messages relating to the
Services. By providing your mobile phone number, you expressly consent to receive text messages from us
relating
to the Services at that number. Third-party data and message fees may apply. You may decline to provide
certain
Personal Information to us, but, if you do so, certain features of the Services may not be available to
you
or
the performance of certain features of the Services may be limited or not work at
all.
Information
Collected from
Devices When you access or use the Services via a computer or mobile device, including, without
limitation, a
desktop computer, laptop, mobile phone, tablet, or other electronic device (each, a
“Device”), we may
collect
information from your Device, such as your Device type and manufacturer, your Device operating system
and
version, your mobile carrier, your Device identifiers, your mobile phone number, your IP address, your
browser
type, your network connection type, information about the webpage that referred you to the Website or
that
you
visited prior to the Website, and your behavior and activity on the Website and the Application.In
addition,
if
you download the Application to your mobile Device, we may collect information from your mobile Device
about
your location while you are accessing or using the Application and while you are not accessing or using
the
Application. We may use this information to provide targeted offers to you and notify you of nearby
third-party
locations where you may use the Services. You may opt out of the collection of location data at any time
by
changing your settings on your mobile Device. However, if you do so, certain features of the Services
may
not be
available to you or the performance of certain features of the Services may be limited or not work at
all.
Information Collected by Cookies and Similar Tracking Technologies. When you access
or
use
the
Services, we
may place small data files on your Device that assign random, unique numbers to your Device to enable us
to
recognize your Device when you use the Services. These data files may be cookies, pixel tags, other
local
shared
objects, or similar technologies provided by your browser or associated applications (collectively,
“Cookies”).
We may use Cookies to recognize your Device, manage and store your settings and preferences for the
Services,
improve the Services, offer targeted products and services to you, and collect and analyze information
about
your access and use of the Services.The Cookies we use in connection with the Services may include the
following: Session Cookies: Session Cookies are temporary Cookies that expire and are
automatically
erased when
you close your browser window. We may use session Cookies to grant you access to content and to enable
actions
that require you to be logged into your Account to perform.Persistent Cookies: Persistent Cookies
are
Cookies
that usually have an expiration date in the distant future and remain in your browser until they expire
or
you
manually delete them. We may use persistent Cookies to better understand usage patterns so we can
improve
the
Services. For example, we may use a persistent Cookie to associate you with your Account or to remember
your
choices for the Services.Third-Party Cookies: We may permit certain third parties to place
Cookies
through the
Services to provide us with insight about the use of the Services and user demographics. These third
parties
may
use Cookies to collect information about your online activities over time and across different websites
when
you
access or use the Services. For example, we may use Google Analytics to analyze usage patterns for the
Website
and the Application. Google Analytics may generate a Cookie to capture information about your access and
use
of
the Website and the Application that Google may use to compile reports on activity for us and to provide
other
related services. Your web browser may automatically send certain information to Google, such as the web
address
of the page that you are visiting and your IP address. To opt out of Google Analytics in connection with
the
Services, visit the Google Analytics opt-out page and install the add-on for your browser. For more
details
on
installing and uninstalling the add-on, please see the relevant help resources for your specific
browser. We
do
not control third parties’ use of Cookies or similar tracking technologies. Such use is subject to
the
respective third parties’ privacy policies. By accessing or using the Services, you consent to the
placement
of
Cookies on your Devices as described in this Privacy Policy. If you prefer not to receive Cookies
through
the
Services, you may control how your browser responds to Cookies by adjusting the privacy and security
settings of
your web browser. Unless you set your browser settings to refuse all Cookies, our systems may issue
Cookies
when
you access or use the Services. If you set your browser settings to refuse all Cookies, the performance
of
certain features of the Services may be limited or not work at all.In some of our email messages to you,
we
may
use “click-through URLs” linked to content on the Website or the Application. We track
click-through
data to
help us understand and analyze interest in topics and use of the Services.
Do Not Track.
Do
Not
Track
(“DNT”) is
an optional browser setting that allows you to express your preferences regarding tracking by
advertisers
and
other third parties. We do not use technology that recognizes DNT signals from your web
browser.
Information
Collected from Payment Card Networks and Transaction Monitoring. We do not store your credit
card
number, this information is directly passed to our payment gateway provider for the purpose of
processing
your
payment.
HOW WE USE
INFORMATION
We may use
Anonymous Information as described elsewhere in this Privacy Policy and for research and commercial
purposes, such as to improve the Services.We may use Personal Information for the purposes described
elsewhere
in this Privacy Policy and internally for our general commercial purposes, including, among other
things,
to:
provide the Services and notices related thereto;
analyze, improve and customize the Services;
provide
customer and technical support for the Services;
send you announcements, newsletters, promotional
materials,
and other information about the Services and third-party products and services that we think may
be
of
interest
to you;
detect, prevent and investigate actual or suspected fraud, hacking, infringement, or
other
misconduct
involving the Services;
collect fees and other amounts owed in connection with the Services; and
comply
with
tax and other applicable laws.
In the event you or Pay@ terminates your account, you agree
that
we may retain
your data, including personal and transaction information, for one year from the date of termination
for
audit
and merchant invoicing purposes.
HOW WE SHARE
INFORMATION
We may share
Anonymous Information with third parties as described elsewhere in this Privacy Policy and for
our
commercial purposes. We do not share Personal Information with our affiliates or third-party service
providers,
except as described elsewhere in this Privacy Policy and as follows:
if you request or authorize it;
to
complete a transaction or provide a service requested by you;
to our Third-Party Service Providers that
provide
services to support the Services, such as payment processing, data analysis, email delivery,
hosting,
order
fulfillment, infrastructure, network storage, customer service, technical support, and
promotional
services
and
who are bound by contractual obligations to keep Personal Information confidential and use it
only for
the
purposes for which we disclose it to them;
to comply with applicable laws, rules, and regulations,
including
but not limited to tax laws;
to comply with governmental and regulatory requests, court orders, and
subpoenas;
to protect our rights, property, and safety and the rights, property, and safety of our users
and
others
to
enforce our rights arising from any contracts entered into between you and us, including the
Terms of
Service;
with merchants that you transact with that already have Personal Information about you for the
purpose
of
verifying offer-qualifying transactions; and
if the disclosure is done as part of a purchase, transfer,
or
sale
of services or assets (e.g., in the event that substantially all of our assets are acquired by
another
party,
your Personal Information may be one of the transferred assets) or in the event of
bankruptcy. When we
disclose
Personal Information for a business purpose, we enter into a contract that describes the purpose
and
requires
the recipient to keep that Personal Information confidential and not use it for any purpose
except
performing
that contract.
YOUR CHOICES
ABOUT YOUR INFORMATION
You may opt
not to receive promotional emails from us by contacting us or by following the “unsubscribe”
instructions in any promotional email you receive from us. Please note, however, that we may still send
you
non-promotional emails about your relationship with us.
INFORMATION
YOU SHARE SOCIALLY
The Services
may allow you to connect and share your actions, comments, content, and information publicly or
with friends. The Company and the Payment Card Networks are not responsible for maintaining the
confidentiality
of any information you share publicly or with friends. In addition, the Services may allow you to
connect
with
us on, share on, and use third-party websites, applications, and services. Please be mindful of your
personal
privacy needs and the privacy needs of others as you choose to connect and share information with
friends
and
others. We cannot control the privacy or security of information you choose to make public or share with
others.
We also do not control the privacy practices of third parties. Please contact those websites and
services
directly if you want to learn about their privacy practices.
HOW WE
PROTECT YOUR INFORMATION
We have, and
require our Third-Party Service Providers to have, administrative, technical, and physical
safeguards in place in our respective physical facilities and in our respective computer systems,
databases,
and
communications networks that are reasonably designed to protect information contained within such
systems
from
loss, misuse, and alteration. The measures we use may include storing Personal Information on secured
servers,
transmitting Personal Information using encryption technologies, and auditing and reviewing our data
collection
and storage practices.To be clear, we do not store your Payment Card account information, and we do not
have
control over or responsibility for your Payment Card account information. When you provide your Payment
Card
account information through the Website or the Application, it is stored and/or processed by our
Third-Party
Service Providers in order for you to use the Services. Our contracts with these third parties require
them
to
have administrative, technical, and physical safeguards to protect the security and confidentiality of
such
information. No method of electronic transmission or storage is 100% secure. Therefore, we cannot
guarantee
absolute security of your Personal Information. You also play a role in protecting your Personal
Information.
Please safeguard your username and password for your Account and do not share them with others. If we
receive
instructions using your Account log-in information, we will consider that you have authorized the
instructions.
You agree to notify us immediately of any unauthorized use of your Account or any other breach of
security
related to the Services. We reserve the right, in our sole discretion, to refuse to provide the
Services,
terminate your Account, and to remove or edit content.
ACCESSING AND
CORRECTING YOUR PERSONAL INFORMATION
Subject to
applicable law, which might, from time to time, oblige us to store your Personal Information for
a
certain period of time, we will respect your wishes to correct inaccurate information. Otherwise, we
will
retain
Personal Information for the period of time necessary to fulfill the purposes outlined in this Privacy
Policy,
unless a longer retention period is required by applicable law. You may change your Account information
at
any
time by updating your Account profile via the Website or the Application.
LINKS TO
THIRD-PARTY WEBSITES AND APPLICATIONS
When you
access or use the Services, you may be directed to other websites or applications that are beyond
our
control. We may also allow third-party websites or applications to link to the Services or use Cookies
with
the
Services. We are not responsible for the privacy practices of any third parties or the content of linked
websites and applications. We encourage you to read the applicable privacy policies and terms and
conditions
of
such parties, websites, and applications. This Privacy Policy only applies to the Services.
CHANGES TO
THIS PRIVACY POLICY
We may
revise this Privacy Policy from time to time in our sole discretion, subject to applicable law. When
we
revise this Privacy Policy, we will post the revised version on the Website and the Application. The
revised
Privacy Policy will be effective upon posting on the Website and the Application, unless otherwise set
forth
therein or as otherwise required by applicable law. You are free to decide whether or not to accept a
revised
version of this Privacy Policy, but accepting this Privacy Policy, as revised, is required for you to
continue
accessing and using the Services. If you do not agree to this Privacy Policy or any revised version of
this
Privacy Policy, your sole recourse is to terminate your access to and use of the Services. Except as
otherwise
expressly stated by us, your access to and use of the Services are subject to the version of this
Privacy
Policy
in effect at the time of your access or use of the Services.
CONTACT US
If you have
any questions regarding this Privacy Policy or the Services, please Contact Us.