Your Privacy Rights
Scope and Consent
Collection of Information
We collect the following types of information in order to provide you with the use of AP Cloud Services, and to help us improve your experience.
Information we collect automatically:
Information you provide to us:
We may collect and store any information you provide us when you use AP Cloud Services, including information on web forms that have added or updated account information, a dispute resolution, or when you otherwise correspond with us regarding AP Cloud Services.
When you use AP Cloud Services, we also collect information about your transactions and your activities:
• Contact information, such as your name, address, phone, email and other similar information.
• Financial information, such as the full bank account numbers used with your AP Cloud Service account or when using AP Cloud Services.
We may also collect information from or about you from other sources, such as through your contact with us, including AP Technology customer support team, your results when you respond to a survey, your interactions with members of AP Technology or other companies (subject to their privacy policies and applicable law), and from other accounts we have reason to believe you control (whether in part or in whole). Additionally, for quality and training purposes or for its own protection, AP Technology may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with AP Technology, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning.
Information from other sources:
We may also obtain information about you from third parties such as credit bureaus, identity verification services and Federally required databases for compliance purposes.
Authentication and Fraud Detection:
In order to help protect you from fraud and misuse of your information, AP Technology may collect information about you and your interactions with AP Cloud Services. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.
Using Your Mobile Device:
When you download or use our mobile applications, or access one of our mobile optimized sites, AP Technology may receive information about your location and your mobile device, including a unique identifier for your device.
How We Use the Information We Collect
AP Technology’s primary purpose in collecting information is to provide you with a secure, smooth, efficient, and customized experience. AP Technology may use your information to:
• provide AP Cloud Services and customer support;
• process transactions and send notices about your transactions;
• verify your identity, including during account creation and password reset processes;
• resolve disputes, collect fees, and troubleshoot problems;
• manage risk, or to detect, prevent, and/or remediate fraud or other potentially prohibited or illegal activities;
• detect, prevent or remediate violations of policies or applicable user agreements;
• improve AP Cloud Services by customizing your user experience;
• measure the efficiency of the AP Cloud Services and improve their content, layout and performance;
• manage and protect our information technology infrastructure;
• provide targeted marketing and advertising, provide service update notices, and deliver promotional offers;
• contact you at any telephone number, by placing a voice call or through text (SMS) or email messaging, as authorized by our User Agreement;
• perform creditworthiness and solvency checks, compare information for accuracy and verify it with third parties.
AP Technology may contact you via electronic means or by postal mail to communicate with you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees and/or monies owed, to poll your opinions through surveys or questionnaires, or as otherwise necessary to service your account. Additionally, AP Technology may contact you to offer coupons, discounts and promotions, and to inform you about AP Technology and our various services. Finally, AP Technology may contact you as necessary to enforce our policies, applicable law, or any agreement we may have with you. So as to communicate effectively and quickly, you consent to AP Technology communications via phone, including autodialed and/or prerecorded calls and text messages as described in our User Agreement. Where applicable and permitted by law, you may decline to receive certain communications from AP Technology.
When you access our website or use AP Cloud Services, AP Technology (including companies we work with) may place small data files on your computer or other device. These data files may be cookies, pixel tags, e-tags, “Flash cookies,” or other local storage provided by your browser or associated applications (collectively “Cookies”). AP Technology uses these technologies to recognize you as a customer; to customize AP Cloud Services, content, and advertising; to help ensure that your account security is not compromised; to mitigate risk and prevent fraud; and to promote trust and safety across AP Cloud Services.
You are free to decline our Cookies if your browser or browser add-on permits, unless our Cookies are required to prevent fraud or ensure the security of websites we control. However, declining our Cookies may interfere with your use of our website and AP Cloud Services.
How AP Technology Shares Information with Other Users
When transacting with others, AP Technology may provide those parties with information necessary to complete the transaction, such as your name, account ID, contact details, shipping and billing address, or other information needed to promote the reliability and security of the transaction. If a transaction is held, fails, or is later invalidated, AP Technology may provide details of the unsuccessful transaction. To facilitate dispute resolution, AP Technology may provide your information. The receiving party is not allowed to use this information for unrelated purposes, such as to directly market to you, unless you have agreed to it. Contacting users with unwanted or threatening messages is against AP Technology policies and constitutes a violation of our Services Agreement.
We work with third parties, including merchants, to enable them to accept or send payments from or to you using AP Cloud Services. In doing so, a third party may share information about you with us, such as your email address or mobile phone number, to inform you that a payment has been sent to you or when you attempt to pay a merchant or third party. We use this information to confirm that you are an AP Cloud Services customer and that a form of payment can be enabled, or to send notification of payment status.
Please note that merchants, sellers, and users you buy from or contract with have their own privacy policies, and although AP Technology’s user agreement does not allow the other transacting party to use this information for anything other than providing AP Cloud Services, AP Technology is not responsible for their actions, including their information protection practices.
AP Technology will not disclose your bank account number(s) to anyone you have paid or who has paid you using AP Cloud Services, or with the third parties that offer or use AP Cloud Services, except with your expressed permission or if we are required to do so to comply with ACH rules, a subpoena, or other legal process.
How AP Technology Shares Information with Other Third Parties
AP Technology may share information we collect from you, including your name, contact details, and transactions and activities, with:
• Members of AP Technology to provide joint content, products, and services (such as registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about products, services, and communications.
• Credit bureaus and collection agencies to report account information, as permitted by law.
• Banking partners as required by ACH rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having AP Technology close your AP Cloud Services Account due to your breach of the AP Technology’s User Agreement).
• Law enforcement, government officials, or other third parties pursuant to a subpoena, court order, or other legal process or requirement applicable to AP Technology or one of its affiliates; when we need to do so to comply with applicable law or ACH rules; or when we believe, in our sole discretion, that the disclosure of information is necessary to prevent physical harm or financial loss, to report suspected illegal activity or to investigate violations of our User Agreement.
• Fraud Prevention and Risk Management: to help prevent fraud or assess and manage risk.
• Customer Service: for customer service purposes, including to help service your accounts or resolve disputes (e.g., billing or transactional).
• Legal Compliance: to help them comply with anti-money laundering and counter-terrorist financing verification requirements.
• Service Providers: to enable service providers under contract with us to support our business operations, such as fraud prevention, bill collection, marketing, customer service and technology services. AP Technology contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.
How You Can Contact Us about Privacy Questions