Privacy Policy

BuyPal Inc ("Company" or "We") respect your privacy and are committed to protecting it through our compliance with this policy. This policy describes the types of information we may collect from you or that you may provide when you visit the website BuyPal.com (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On this Website.
• In email, text, and other electronic messages between you and this Website.
• Through mobile and desktop applications you download from this Website, which provide dedicated non-browser-based interaction between you and this Website.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Company or any third party, including our affiliates and subsidiaries; or
• Any third party, including through any application, website, apps, marketplaces, payment processors, shipping providers, social networks, or other services that we do not own or control, even if they link to or be accessible from or on the Website.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you agree to this privacy policy. This policy may change from time to time. Your continued use of this Website after we make changes is deemed to be acceptance of those changes, so please check the policy periodically for updates.

Our Website is not intended for children under 18 years of age. No one under age 18 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Website or through any of its features, register on the Website, make any purchases through the Website, use any of the interactive or public comment features of this Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at [SUPPORT@BUYPAL.COM].

BuyPal currently supports two account types: paid Members and Free-Members. Free-Members are registered users who do not have a paid membership. Paid Members purchase a month-by-month or annual membership.

• Free membership: Free-Members receive the Base Credit as advertised.
• Paid membership: Paid Members receive double the advertised Base Credit; this enhanced credit is called Loyalty Credit.

We process account status, membership type, and credit activity to administer these programs.

We collect several types of information from and about users of our Website, including information:

Identifiers and contact information

Name, username, email address, mailing address, billing address, shipping address, phone number, account ID, IP address, device identifiers.

Create and manage accounts, process orders, ship products, communicate with you, verify requests, prevent fraud, comply with law. Retained as needed for the account, transaction, legal, security, and support purposes described in this Policy.

Account and profile information

Login credentials, account preferences, saved addresses, membership type, Free-Member status, Member status, subscription start and end dates, cancellation status.

Provide account functions, memberships, credits, personalization, security, and support. Retained while the account is active and for a reasonable period afterward unless longer retention is required or permitted.

Orders, payments, refunds, and credits

Products viewed or purchased, cart activity, transaction dates, order numbers, payment confirmation, payment tokens, refund records, Base Credit, Loyalty Credit, coupons, returns, chargebacks.

Fulfill purchases, process payments through payment providers, administer credits, issue refunds, detect fraud, maintain accounting and tax records. We generally do not store full payment card numbers unless expressly stated; payment providers may process them.

Forum and user-generated content

Forum posts, comments, feedback, questions, discussions, product reviews, display name, profile image, attachments, moderation history, reports, and related metadata.

Operate forums, publish content you submit, moderate discussions, enforce rules, improve services, investigate abuse, and respond to questions. Public forum content may remain visible unless removed, and copies may persist in backups, caches, quotes, or search engines.

Communications and support

Emails, chat messages, support tickets, call records or notes, survey responses, complaint information, attachments, and feedback.

Respond to inquiries, provide customer service, resolve disputes, improve products, train support teams, and maintain records.

Device, internet, and network activity

Browser type, operating system, pages viewed, referring URLs, timestamps, clickstream data, search terms, cookie identifiers, session data, approximate location from IP address.

Operate the Website, remember preferences, analyze performance, prevent fraud and security incidents, personalize content, and support advertising and measurement where permitted.

Marketing and preference information

Email preferences, opt-in or opt-out choices, product interests, promotion interactions, referral or affiliate data, ad interactions.

Send marketing where permitted, honor preferences, measure campaigns, personalize offers, and comply with opt-out requests.

Inferences

Preferences, likely interests, shopping patterns, membership or credit eligibility, fraud-risk indicators.

Personalize services, recommend products, improve ecommerce features, detect abuse.

Sensitive personal information

Limited sensitive information may include account credentials, payment-related information handled by payment providers, precise location if you enable a feature requiring it, and contents of messages you send us.

Used only as reasonably necessary to provide services, secure accounts, process transactions, comply with law, or with your consent where required. We do not use sensitive personal information to infer characteristics unless we provide a separate notice and obtain any required consent.

We collect this information:

• You: when you create an account, make a purchase, purchase or cancel a membership, request a refund, post in a forum, contact support, complete a survey, or otherwise provide information.
• Your device and browser: through cookies, pixels, logs, and similar technologies when you use Buypal.com.
• Service providers and partners: such as payment processors, shipping companies, fraud-prevention vendors, analytics providers, marketing providers, and customer-support tools.
• Other users: for example, when another forum user replies to, quotes, reports, or tags your forum content.
• Public or commercially available sources: where permitted, such as public address databases, fraud-prevention databases, and product or business contact sources.

The information we collect on or through our Website may include:

• Information that you provide by filling in forms on our Website. This includes information provided at the time of registering to use our Website, subscribing to our service, posting material, or requesting further services. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
• Records and copies of your correspondence (including email addresses), if you contact us.
• Your responses to surveys that we might ask you to complete for research purposes.
• Details of transactions you carry out through our Website and of the fulfillment of your orders. You may be required to provide financial information before placing an order through our Website.
• Your search queries on the Website.

You also may provide information to be published or displayed (hereinafter, "posted") on public areas of the Website, or transmitted to other users of the Website or third parties (collectively, "User Contributions"). Your User Contributions are posted on and transmitted to others at your own risk. Although we limit access to certain pages and you may set certain privacy settings for such information by logging into your account profile, please be aware that no security measures are perfect or impenetrable. Additionally, we cannot control the actions of other users of the Website with whom you may choose to share your User Contributions. Therefore, we cannot and do not guarantee that your User Contributions will not be viewed by unauthorized persons.

As you navigate through and interact with our Website, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

We also may use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioral tracking).

The information we collect automatically may only be statistical data and does not include personal information, but we may maintain it or associate it with personal information we collect in other ways or receive from third parties. It helps us to improve our Website and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Website according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Website.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Website.
• Flash Cookies. Certain features of our Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Website. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our the Website and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

We do not collect personal information automatically, but we may tie this information to personal information about you that we collect from other sources or you provide to us.

Some content or applications, including advertisements, on the Website are served by third-parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our website. The information they collect may be associated with your personal information or they may collect information, including personal information, about your online activities over time and across different websites and other online services. They may use this information to provide you with interest-based (behavioral) advertising or other targeted content.

We do not control these third parties' tracking technologies or how they may be used. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly. For information about how you can opt out of receiving targeted advertising from many providers, see Choices About How We Use and Disclose Your Information.

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Website and its contents to you.
• To provide you with information, products, or services that you offer to purchase from us.
• To fulfill any other purpose for which you provide it.
• To provide you with notices about your account and purchased information, products, or services, including expiration and renewal notices.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection.
• To notify you about changes to our Website or any products or services we offer or provide through it.
• To allow you to participate in interactive features on our Website.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

We may also use your information to contact you about our own and third-parties' goods and services that may be of interest to you. If you do not want us to use your information in this way, please go to your Account Settings—Privacy.

We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.

We do not sell personal information for money. However, some privacy laws define "sale" or "sharing" broadly enough to include certain disclosures to advertising, analytics, or marketing partners, including through cookies, pixels, or similar technologies used for cross-context behavioral advertising or targeted advertising. (See Disclosure of Your Information) If we use those technologies in a way that is considered a sale, sharing, or targeted advertising under applicable law, you may opt out as described in this Policy and through any "Your Privacy Choices" link or cookie preference tool we provide.

Unless we provide a separate notice, BuyPal does not condition Base Credit or Loyalty Credit on your permission for us to sell or share personal information for targeted advertising. Base Credit is available to Free-Members as advertised. Loyalty Credit is available to paid Members and equals double the advertised Base Credit. We use personal information such as account type, membership status, purchases, returns, refunds, and credit activity to administer these benefits and prevent misuse.

If BuyPal offers any program that qualifies as a financial incentive, loyalty program, price or service difference, or bona fide loyalty program under applicable privacy law, we will provide any legally required notice explaining the program, the categories of personal information involved, how the value is reasonably related to the data or benefit, and how to opt in or withdraw.

NOTICE OF FINANCIAL INCENTIVE When you sign up for a membership to receive Base Credit or Loyalty Credit, we typically ask you to provide your name, contact information (such as email address and telephone number), zip code, and birthday to make or to supplement your BuyPal profile. Because we collect personal information, this may be interpreted as a "financial incentive" program under California law or a "bona fide loyalty program" under Colorado law. BuyPal uses this information for the purposes described in this Policy.

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To contractors, suppliers, service providers, and other third parties we use to support our business 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. For example, company and individual suppliers and carriers that deliver the products or services to you.
• To our subsidiaries and affiliates, and third parties whose services or products are provided to you through our Website.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of BuyPal Inc's assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by BuyPal Inc about our Website users is among the assets transferred.
• To third parties to market their products or services to you if you have consented to or have not opted out of these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them. For more information, see Choices About How We Use and Disclose Your Information.
• To fulfill the purpose for which you provide it. For example, if you give us an email address to use the "email a friend" feature of our Website, we will transmit the contents of that email and your email address to the recipients.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our Conditions of Use and other agreements, including for billing and collection purposes.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of BuyPal Inc, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. To learn how you can manage your Flash cookie settings, visit the Flash player settings page on Adobe's website. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.
• Promotional Offers from the Company. If you do not wish to have your email address or contact information used by the Company to promote our own or third parties' products or services, you can opt-out by checking the relevant box located on the form on which we collect your data here. You can also always opt-out by logging into the Website and adjusting your user preferences in your account profile. If we have sent you a promotional email, you may send us a return email asking to be omitted from future email distributions. This opt out does not apply to information provided to the Company as a result of a product purchase, warranty registration, product service experience or other transactions.
• Targeted Advertising. We do not use your information for targeted advertising.

We do not control third parties' collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can opt out of receiving targeted ads from members of the Network Advertising Initiative ("NAI") on the NAI's website.

PayPal's Privacy Policy: https://www.paypal.com/myaccount/privacy/privacyhub

Stripe's Privacy Policy: https://stripe.com/privacy

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

You can review and change your personal information by logging into the Website and visiting your account profile page.

You may also open a ticket via the request form in your account settings to request access to, correct or delete any personal information that you have provided to us. We cannot delete your personal information except by also deleting your user account. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

If you delete your User Contributions from the Website, copies of your User Contributions may remain viewable in cached and archived pages, or might have been copied or stored by other Website users. Proper access and use of information provided on the Website, including User Contributions, is governed by our Conditions of Use.

California residents may have additional personal information rights and choices. Please see Your California Privacy Rights for more information.

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit Your California Privacy Rights.

We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using SSL technology.

The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. We urge you to be careful about giving out information in public areas of the Website like message boards. The information you share in public areas may be viewed by any user of the Website.

Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Website home page. If we make material changes to how we treat our users' personal information, we will notify you by email to the primary email address specified in your account and through a notice on the Website home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Website and this privacy policy to check for any changes.

Buypal.com may include links, plug-ins, widgets, or integrations operated by third parties, including payment providers, shipping providers, social media services, advertising networks, and analytics providers. We are not responsible for the privacy practices of third parties. Review their privacy notices before providing information to them or using their services.

BuyPal is based in the United States. If you access Buypal.com from outside the United States, your personal information may be processed in the United States or other countries where we or our service providers operate. Those countries may have privacy laws that differ from the laws in your location. Where required, we will use appropriate safeguards for cross-border transfers.

To ask questions or comment about this Privacy Policy and our privacy practices, contact us at: SUPPORT@BUYPAL.COM