Last Updated: February 23, 2023
Table of Contents
Data protection laws sometimes differentiate between “controllers” and “processors” of personal data. A “controller” determines the purposes and means (or the why and the how) of processing personal data. A “processor,” which is sometimes referred to as a “service provider,” processes personal data on behalf of a controller subject to contractual restrictions.
As part of our business relationship with our customers, we are often asked to receive, gather, store, analyze, or otherwise process information, which may include personal data, on behalf of our customers. We refer to this type of information and personal data as “customer data.” When we process customer data, we generally act as a processor. This means we process customer data on behalf of our customers subject to restrictions set forth in our contracts with them.
This Privacy Notice does not cover or address how we or our customers process customer data in connection with our role as our customers’ processor. Instead, this Privacy Notice only covers our processing of personal data in our capacity as a controller. In addition, we are generally not permitted to respond to individual requests relating to customer data. As a result, we recommend referring to the privacy notice of the organization with which you have a relationship for information on how they engage processors, like us, to process customer data on their behalf.
We provide additional disclosures for residents of the States of California, Nevada, and Virginia in the U.S. here.
We provide important information for individuals located in the European Union, European Economic Area, and United Kingdom (collectively, “Europe” or “European”) in the Notice to European Users here.
What is Personal Data?
Personal Data We Collect
Personal data you provide to us through the Services, or we obtain from third party sources, includes:
Identifiers, such as your name, postal address, IP address, email address, phone number, and online account information;
Commercial information, such as records of the Services you have licensed or use, credit card, debit card, and related payment information;
Professional information, such as the name of your employer and your job title;
Internet and other electronic network activity information, such as your IP address, your device information, the length of time you spend with our Services, how often you use our Services, and other usage data; and
Cookies and other information collected by automated means. We, our service providers, and our business partners may automatically log information about you, your computer, or mobile device, and activity occurring on or through the Service. The information that may be collected automatically includes your computer or mobile device operating system type and version number, manufacturer and model, device identifier (such as the Google Advertising ID or Apple ID for Advertising), browser type, IP address, general location information such as city, state, or geographic area, and information about your use and actions on the Services, such as parts of the Services you viewed, how long you spend on a page or screen, navigation between pages or screens, information about your activity on a page or screen, access times, and length of access. Our service providers and business partners may collect this type of information over time and across third-party websites and mobile applications.
How We Use Personal Data
To operate the Services. We use your personal data to:
Provide, operate, and improve the Services;
Provide information about our products and Services;
Establish and maintain your payer or biller profile on the Services;
Enable security features of the Services, such as by sending you security codes via email or SMS, and remembering devices from which you have previously logged in;
Communicate with you about the Services, including by sending you announcements, updates, security alerts, and administrative messages;
Communicate with you about events or surveys in which you participate;
Understand your needs and interested, and personalize your experience with the Services and our communications;
Provide support and maintenance for the Services; and
To respond to your requests, questions, and feedback.
For research and development. We analyze use of the Services to improve the Services and to develop new products and services. This includes studying user demographics and use of the Services.
To send you marketing and promotional communications. We may send you PSN-related marketing communications, as permitted by law. You will have the ability to opt-out of our marketing and promotional communications as described in the “Opt-out of marketing communications” section below.
To display advertisements. From time to time we may work with advertising partners to display advertisements elsewhere online. These advertisements are delivered by our advertising partners and may be targeted based on your use of the Service or your activity elsewhere online. If we utilize targeted advertising, you will have the ability to opt-out as described in the “Opt-out of targeted online advertising” section below.
To manage our recruiting and process employment applications. We use personal data, such as information submitted to us in a job application, to facilitate our recruitment activities and process employment applications, such as by evaluating a job candidate for an employment activity and monitoring recruitment statistics.
To comply with law. We use your personal data as we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
For compliance, fraud prevention, and safety. We may use your personal data as we believe necessary or appropriate to: (a) protect our, your, or others’ rights, privacy, safety or property (including by making and defending legal claims); (b) enforce the terms and conditions that govern the Services; and (c) protect, investigate and deter against fraudulent, harmful, unauthorized, unethical or illegal activity.
With your consent. In some cases, we may specifically ask for your consent to collect, use or share your personal data, such as when required by law.
To create anonymous, aggregated or de-identified data. We may create anonymous, aggregated or de-identified data from your personal data and other individuals whose personal data we collect. We make personal data into anonymous, aggregated or de-identified data by removing or not utilizing information that makes the data personally identifiable to you. We may use this anonymous, aggregated or de-identified data and share it with third parties for our lawful business purposes, including to analyze and improve the Services and promote our business.
How We Disclose Personal Data
We may disclose your personal data in the following ways:
Customers. We may share your personal data to enforce or apply the terms of any of our customers’ service or license agreements.
Partners. We may share your personal data with our partners that help us offer the Services to you or who offer related services to you. These third parties may use your personal data consistent with their privacy policies.
Service providers. We may share your personal data with third party companies and individuals that provide services on our behalf or help us operate the Services (such as customer support, hosting, analytics, email delivery, marketing, and database management services).
Co-branded resources. We may share your personal data with third party companies that partner with us on co-branded resources (such as case studies). These third parties may use your personal data consistent with their privacy policies.
Professional advisors. We may disclose your personal data to professional advisors, such as lawyers, bankers, auditors and insurers, where necessary in the course of the professional services they render to us.
To comply with law. We may share your personal data as we believe necessary or appropriate to comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities.
Law enforcement purposes. We may share your personal data with law enforcement officials for law enforcement purposes when we, in good faith, believed there was unlawful activity.
For compliance, fraud prevention and safety. We may share your personal data for the compliance, fraud prevention and safety purposes described above.
Business transfers. We may sell, transfer or otherwise share some or all of our business or assets, including your personal data, in connection with a business transaction (or potential business transaction) such as a corporate divestiture, merger, consolidation, acquisition, reorganization or sale of assets, or in the event of bankruptcy or dissolution.
Aggregate/De-Identified information. We may share Aggregate/De-Identified data from your personal data and other individuals whose personal data we collect for our lawful business purposes, including to analyze and improve the Service and promote our business.
In this section, we describe the rights and choices available to all users. Users who are located within Europe can find additional information about their rights below. Users who are California, Nevada, or Virginia residents can refer to our “Additional U.S. Privacy Disclosures” below for more information on their rights and choices.
Opt-out of marketing email communications. You may opt-out of marketing-related emails by following the opt-out or unsubscribe instructions at the bottom of the email, or by contacting us using the email inbox of our affiliate, Invoice Cloud, at email@example.com. In some cases, we may need to send you “transactional” emails related to normal business operations even if you opt out of our marketing emails. For example, we may email you a reminder about an action you need to take related to the Services or about updates to the technology we use to provide the Services.
Other Sites, Mobile Applications, and Services
The Services may contain links to other websites, mobile applications, and other online services operated by third parties as well as our affiliates or partners. These links are not an endorsement of, or representation that we are affiliated with, any third party. In addition, our content may be included on web pages or in mobile applications or online services that are not associated with us. We do not control third party websites, mobile applications or online services, and we are not responsible for their actions. Other websites and services follow different rules regarding the collection, use and sharing of your personal data. We encourage you to read the privacy policies of the other websites and mobile applications and online services you use.
The Services are not directed to, and we do not knowingly collect personal data from, anyone under the age of 13. If you are under 13, please do not provide us your personal data. If a parent or guardian becomes aware that his or her child has provided us with information without their consent, he or she should contact us at firstname.lastname@example.org. We will delete such information from our files as soon as reasonably practicable. We encourage parents with concerns to contact us as outlined below.
Notice to European Users
The information provided in this “Notice to European Users” section applies only to individuals in Europe.
Personal data. References to “personal data” in this Notice to European Users are equivalent to “personal data” governed by European data protection legislation.
Processor. PSN is the processor of your personal data covered by this Notice to European Users for purposes of European data protection legislation.
To operate the Services
To comply with law
With your consent
Processing is necessary to perform the contract governing our provision of the Services or to take steps requested by our customers, merchants, software providers, or partners prior to signing up for the Services. If we have not entered into a contract with you, we process your personal data based on our legitimate interest in providing the Services.
These activities constitute our legitimate interests. We do not use your personal information for these activities where our interests are overridden by the impact on you (unless we have your consent or are otherwise required or permitted to by law).
Processing is necessary to comply with our legal obligations.
Processing is based on your consent. Where we rely on your consent you have the right to withdraw it any time in the manner indicated when you consent or in the Services.
Sensitive personal data. We ask that you not provide us with any sensitive personal data (e.g., information related to racial or ethnic origin, political opinions, religion or other beliefs, health, biometrics or genetic characteristics, criminal background or trade union membership) on or through the Services, or otherwise to us.
We retain personal data for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements, to establish or defend legal claims, or for fraud prevention purposes.
To determine the appropriate retention period for personal data, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use or disclosure of your personal data, the purposes for which we process your personal data and whether we can achieve those purposes through other means, and the applicable legal requirements.
When we no longer require the personal data we have collected about you, unless prohibited byapplicable law, we will either delete or anonymize it or, if this is not possible (for example, because your personal data has been stored in backup archives), then we will securely store your personal data and isolate it from any further processing until deletion is possible. If we anonymize your personal data (so that it can no longer be associated with you), we may use this information indefinitely without further notice to you.
Information for Visitors from Outside of the United States
We are located in the United States, where the laws may be different and, in some cases, less protective than the laws of other countries. By providing us with your Personal data and using the Services, you acknowledge that your Personal data will be transferred to and processed in the United States and other countries where we and our vendors operate. If we receive or transfer your personal data from Europe or Switzerland to a third country and are required to apply additional safeguards to your personal data under European data protection legislation, we use good faith efforts to do so.
Last Updated: February 23, 2023
What are cookies?
What types of cookies and similar tracking technologies does PSN use on the Sites?
Our Sites may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer or mobile device until you delete them).
More specifically, the following types of cookies may be used when you visit the Sites:
Advertising cookies are placed on your computer by advertisers and ad servers in order to display advertisements that are most likely to be of interest to you. These cookies allow advertisers and ad servers to gather information about your visits to the Sites and other websites, alternate the ads sent to a specific computer, and track how often an ad has been viewed and by whom. These cookies are linked to a computer and do not gather any personal data about you.
Analytics cookies monitor how users reached the Sites, and how they interact with and move around once on the Sites. These cookies let us know what features on the Sites are working the best and what features on the Sites can be improved.
Our cookies are “first-party cookies” and can be either permanent or temporary. These are necessary cookies, without which the Sites may not work properly or be able to provide certain features and functionalities. Some of these may be manually disabled in your browser but disabling these cookies may affect the functionality of the Sites.
Personalization cookies are used to recognize repeat visitors to the Sites. We use these cookies to record your browsing history, the pages you have visited, and your settings and preferences each time you visit the Sites.
Security cookies help identify and prevent security risks. We use these cookies to authenticate users and protect user data from unauthorized parties..
Site Management Cookies
Site management cookies are used to maintain your identity or session on the Sites so that you are not logged off unexpectedly, and any information you enter is retained from page to page. These cookies cannot be turned off individually, but you can disable all cookies in your browser.
Third-party cookies may be placed on your computer by our service providers and business partners when you visit the Site. These cookies allow the third parties to gather and track certain information about you. These cookies can be manually disabled in your browser.
Other Tracking Technologies
In addition to cookies, we may use web beacons, pixel tags, and other tracking technologies on the Sites to help customize the Sites and improve your experience. A “web beacon” or “pixel tag” is a tiny object or image embedded in a web page or email. They are used to track the number of users who have visited particular pages, viewed emails, or to acquire other statistical data. They collect only a limited set of data, such as a cookie number, time and date of page or email view, and a description of the page or email on which they reside. Web beacons and pixel tags cannot be declined. However, you can limit their use by controlling the cookies that interact with them.
In addition to cookies, our Sites may use other technologies, such as Flash technology to collect information automatically.
Third Party Data Collection and Online Advertising. We participate in interest-based advertising and use third-party advertising companies to serve you targeted advertisements based on your browsing history. We permit third-party online advertising networks, social media companies and other third-party services, to collect information about your use of our online Services over time so that they may play or display ads on the Services, on other websites, or services you may use, and on other devices you may use. Typically, though not always, the information used for interest-based advertising is collected through tracking technologies, such as cookies, web beacons, embedded scripts, location-identifying technologies, and similar technology (collectively, “tracking technologies”), which recognize the device you are using and collect information, including click stream information, browser type, time and date you visited the site, AdID, precise geolocation and other information. We may share a common account identifier (such as a hashed email address or user ID) with our third-party advertising partners to help identify you across devices. We and our third-party partners use this information to make the advertisements you see online more relevant to your interests, as well as to provide advertising-related services such as reporting, attribution, analytics and market research. We may also use services provided by third parties (such as social media platforms) to serve targeted ads to you and others on such platforms. We may do this by providing a hashed version of your email address or other information to the platform provider. See “Your Choices About Online Ads” below, to learn more about the choices you may have regarding interest-based advertising.
Google Analytics and Advertising. We use Google Analytics to recognize you and link the devices you use when you visit our websites or Services on your browser or mobile device, log in to your account on the Services, or otherwise engage with us. We share a unique identifier, like a user ID or hashed email address, with Google to facilitate the service. Google Analytics allows us to better understand how our users interact with the Services and to tailor our advertisements and content to you. For information on how Google Analytics collects and processes data, as well as how you can control information sent to Google, review Google’s site “How Google uses data when you use our partners’ sites or apps” located at www.google.com/policies/privacy/partners/. You can learn about Google Analytics’ currently available opt-outs, including the Google Analytics Browser Ad-On here https://tools.google.com/dlpage/gaoptout/.
Your Choices About Cookies
Most browsers let you remove or reject cookies. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. Please note that if you set your browser to disable cookies, the Sites may not work properly.
For more information about cookies, including how to see what cookies have been set on your computer or mobile device and how to manage and delete them, visit www.allaboutcookies.org. If you do not accept our cookies, you may experience some inconvenience in your use of our Sites. For example, we may not be able to recognize your computer or mobile device and you may need to log in every time you visit our Sites.
Your Choices About Online Ads
We support the self-regulatory principles for online behavioral advertising (Principles) published by the Digital Advertising Alliance (DAA). This means that we allow you to exercise choice regarding the collection of information about your online activities over time and across third-party websites for online interest-based advertising purposes. More information about these Principles can be found at www.aboutads.info. If you want to opt out of receiving online interest-based advertisements on your internet browser from advertisers and third parties that participate in the DAA program and perform advertising-related services for us and our partners, please follow the instructions at www.aboutads.info/choices or http://www.networkadvertising.org/choices/ to place an opt-out cookie on your device indicating that you do not want to receive interest-based advertisements. Opt-out cookies only work on the internet browser and device they are downloaded onto. If you want to opt out of interest-based advertisements across all your browsers and devices, you will need to opt out on each browser on each device you actively use. If you delete cookies on your device generally, you will need to opt out again. If you want to opt out of receiving online interest-based advertisements on mobile apps, please follow the instructions at http://www.aboutads.info/appchoices.
Cookie Management and the Right to Opt Out of the Sale or Sharing of Personal Data for Targeted Advertising Purposes
For California, Nevada, and Virginia Residents: Unless you have exercised your Right to Opt Out (as described in the “Your Privacy Choices” section of our Additional U.S. Privacy Disclosures), we may “sell” or “share” your personal data to third parties for targeted or cross-context behavioral advertising purposes. The third parties to whom we sell or share personal data may use such information for their own purposes in accordance with their own privacy statements, which may include reselling or sharing this information to additional third parties.
You do not need to create an account with us to exercise your Right to Opt Out. However, we may ask you to provide additional personal data so that we can properly identify you in our dataset and to track compliance with your opt-out request. We will only use personal data provided in an opt-out request to review and comply with the request. If you chose not to provide this information, we may only be able to process your request to the extent we are able to identify you in our data systems.
Please direct any questions or comments about this Cookies Policy, or PSN’s privacy practices, to the email inbox of email@example.com.
You may also write to us via postal mail at:
Payment Service Network, Inc.
2901 International Lane, 3rd floor
Madison, WI, 53704