PayLynxs Privacy Statements

Your privacy is not only important to us it is a foundational element of our business practices. To better protect your privacy, and in accordance with the Financial Privacy Rule of the Gramm-Leach Bliley act of 1999 (GLBA), we provide this notice explaining our information practices as well as the choices you can make about the way your information is collected and used. To make this notice easy to find, we make it available on our homepage, at every point where personally identifiable information^ⁱ may be requested and wherever our service handles nonpublic personal information^ⁱⁱ.

This notice applies to all information collected or submitted through the PayLynxs service. The PayLynxs service is available as a co branded or ‘white labeled’ back end process to a financial service provider (Sponsoring Banks and related Correspondent Banks), or lastly as a direct agent to consumers from PayLynxs.

We may collect nonpublic personal information about you from the following sources:

Unless it is specifically stated otherwise in an amended Privacy Policy Statement, no additional nonpublic personal information will be collected about you.

We use the information you provide about yourself when registering only to complete your registration and to provide services which have been requested. We do not share this information with outside parties except to the extent necessary; to complete the registration process, provide services as requested, and as outlined within this privacy notice.

In order to use the PayLynxs service directly, you must first complete a registration form. During registration you are required to give contact information (such as name and email address). We use this information to contact you about the services on our site in which you are currently registered or have expressed interest in.

We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.

We use non-identifying and aggregate information to better design our service and to share with advertisers. For example, we may tell an advertiser that X number of individuals visited a certain area on web site or utilized certain services, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals.

If you apply for service requiring financial information on our site, we require that you provide certain personally identifiable information, as well as nonpublic personal information, including your name, address, phone number, credit card number or bank account number. This information is necessary to process your application, complete services as requested and to contact you.

PayLynxs is the sole owner of the information collected on www.paylynxs.com and related PayLynxs services where directly available to consumers. PayLynxs collects personally identifiable information and potentially, nonpublic personal information from our users at several different points on our Web site and throughout our service (when directly provider to consumers). In accordance with GLBA PayLynxs maintains privacy notice and opt-out (contained within this Privacy Statement) for all information directly collected by PayLynxs.

PayLynxs does not maintain ownership of information submitted by financial service providers who white label the PayLynxs service, nor in some instances where co branded services are provided. In the white label scenario, the financial service provider simply submits nonpublic personal information as well as personally identifiable information to PayLynxs for processing. In accordance with GLBA the financial service provider maintains privacy notice and opt-out (contained within the financial service providers Privacy processes) for all information directly collected by the financial service provider and submitted to PayLynxs for processing. Ownership to include opt-in / opt-out remains with the submitting financial service provider.

The PayLynxs service is sold to sponsor banks that in turn brand the product and resell it as a whole sale cash management product to their correspondent banks. The correspondent banks brand the user interface to match their corporate Web site and online banking applications and offer the service to retail customers. The PayLynxs service provides the infrastructure and tools to allow each correspondent bank to incorporate their own disclaimers and privacy policy that is represented to the retail customer using the service. In this scenario, the disclaimers and privacy policies are the responsibility of each correspondent bank, and can be updated at any time. The correspondent banks are providing PayLynxs through a service provider relationship with the Sponsor bank. Even in this scenario, the PayLynxs service provides the functionality for consumers to opt out of promotional emails and provides the ability to update or unsubscribe at any time.

To assist the Sponsoring bank, correspondent bank, and ultimately the consumer, PayLynxs provides detailed reporting tools coupled with a proprietary analysis engine which can be used to review all transactions, remitters, and beneficiaries for suspicious activity. Based on the reporting and analysis, the Sponsoring and correspondent banks can block, hold or release transactions for the Office of Foreign Assets Control (OFAC) or other reasons.

From time-to-time we may provide you the opportunity to participate in contests or surveys on our site. If you participate, we will request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).

We may use a third party service provider to conduct these surveys; that company will be prohibited from using our users’ personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a survey with other third parties unless we give you prior notice and choice.

If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. PayLynxs stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your friend may contact us, please see the “Contact Us” section, to request that we remove this information from our database.

We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

We will occasionally send you information on products, services, special deals, and promotions. You can sign up for these emails from us during the registration process. Out of respect for your privacy, we present the option not to receive these types of communications. There is a check box on during the registration process that will allow you to opt in or opt out of receiving these promotional emails. Any time in the future you may modify your selection by visiting the “Manage Profile” section on your account.

Based upon the personally identifiable information you provide us, we will send you a welcoming email to verify your username and password. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by Short Message Service (SMS), email or telephone, in accordance with your wishes.

We store information that we collect through cookies, log files, clear gifs, and/or third party sources to create a “profile” of your preferences. We tie your personally identifiable information to information in the profile, in order to provide tailored communications and to improve the content of the site for you. We do not share your profile with other third parties. We share your profile in aggregate form only. We share aggregated demographic information about our user base with our partners and advertisers. This information does not identify individual users. We do not link aggregate user data with personally identifiable information.

In order to provide services to you, we supplement the personal information you submitted to us with information from third party sources.

Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above without also providing you an opportunity to opt-out or otherwise prohibit such unrelated uses.

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our service.

Protecting the privacy of the very young is especially important. For that reason, we never collect or maintain information at our service from those we actually know are under the age of 18, and no part of our service is structured to attract anyone under the age of 18.

You can access all your personally identifiable information that we collect online. If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it, by making the change on our member information page by logging into your account and clicking on the “Manage Profile” link. Additionally, if you prefer, access can be obtained by email, telephone, or postal mail at the contact information listed below. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our registration/order form. If you no longer wish to receive promotional communications, you may opt-out of receiving them by following the instructions included in each communication or by logging into your account and clicking on the “Manage Profile” link. Additionally, if you prefer, access can be obtained by email, telephone, or postal mail at the contact information listed below. To protect your privacy and security, we will take reasonable steps to verify your identity before granting access or making corrections.

You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.

This Web site contains links to other sites that are not owned or controlled by PayLynxs. Please be aware that we, PayLynxs, are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies only to information collected by this Web site and the PayLynxs service.

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. We have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online. When you enter sensitive information (such as bank account numbers or credit card number on our registration or order forms, we encrypt that information using secure socket layer technology (SSL). To learn more about SSL, follow this link [http://support.microsoft.com/default.aspx?scid=kb;en-us;257591 ]. No method of transmission over the Internet, or method of electronic storage, is 100% secure, therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site and our service, please see the “Contact Us” section.

In the event PayLynxs goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

If you have any questions or suggestions regarding our privacy policy, please contact us at:

2021, Girard Blvd SE
Albuquerque, NM 87106
Voice: (505) 217 0989
Fax: (505) 217 1256

i Personally Identifiable Information (PII) - refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains. This includes information that is used in a way that is personally identifiable, including linking it with identifiable information from other sources, or from which other personally identifiable information can easily be derived, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, and credit card information. To the extent unique information (which by itself is not Personally Identifiable Information) such as a personal profile, unique identifier, biometric information, and IP address is associated with Personally Identifiable Information, then such unique information will also be considered Personally Identifiable Information. Personally Identifiable Information does not include information that is collected anonymously (i.e., without identification of the individual user) or demographic information not connected to an identified individual. In terms of P3P attributes, personally identifiable information is 1) physical contact or location information, 2) online contact or location information, 3) government issued identifier, or 4) information about an individual's finances.

ii The term ''nonpublic personal information'' means personally identifiable financial information - provided by a consumer to a financial institution; resulting from any transaction with the consumer or any service performed for the consumer; or otherwise obtained by the financial institution.