YamaPay Privacy Notice
Last modified 12 February, 2021
Your use of YamaPay is governed by the YamaPay Terms of Service, which describes in more detail the Services covered by this Privacy Notice. Capitalised terms not defined in this YamaPay Privacy Notice shall have the meaning ascribed to them in the YamaPay Terms of Service.
The YamaPay Privacy Notice applies to Services offered by YamaPayINC or its wholly owned subsidiaries, including YamaPay Corp. (‘YAMAPAY’). Please consult the YamaPay Terms of Service made available to you within the Service to learn which subsidiary is offering the Service. For users (except those selling on a YamaPay marketplace) based in the European Economic Area (excluding the UK), the data controller responsible for your information is YamaPay Ireland Limited. For users (except those selling on a YamaPay marketplace) based in the UK, the data controller responsible for your information is YamaPayINC. If you are based in the European Economic Area, excluding the UK, and are selling on a YamaPay marketplace, the data controller responsible for your information is YamaPay Ireland Limited. If you are based in the UK and are selling on a YamaPay marketplace, the data controller responsible for your information is YamaPay Limited. For users based in Brazil, the data controller responsible for your information is YamaPayINC and, to the extent required under Brazilian law, it may be YamaPayBrasilPagamentos Ltda.
Information that we collect
Information obtained from third parties – We may obtain information about you from third parties, including third-party verification services. This includes information arising from YamaPay transactions at merchant locations, information regarding your use of payment methods and your accounts issued by third parties that are linked to YamaPay, the identity of your card issuer or financial institution, information regarding access to balances held in your YamaPay Account, information from a Carrier or Operator in connection with Carrier or Operator Billing, and consumer reports, as the term ‘consumer reports’ is defined by the US Fair Credit Reporting Act. Also, for sellers, we may obtain information about you and your business from a credit bureau or a business information service.
Transaction information – When you use YamaPay to conduct a transaction, we may collect information about the transaction, including the date, time and amount of the transaction, the merchant’s location and description, a description provided by the seller of the goods or services purchased, any photo that you choose to associate with the transaction, the names and email addresses of the seller and buyer (or sender and recipient), the type of payment method used, your description of the reason for the transaction and the offer associated with the transaction, if any.
How we use the information that we collect
Your registration information is stored in association with your YamaPay Account, and your registration of a payment method will be stored on YamaPay’s servers. In addition, certain data elements may also be stored on your mobile device. We may retain the information that you provide for extended periods of time for the purpose of complying with legal process and regulatory obligations.
Information that we share
We will only share your personal information with other companies or individuals outside of YamaPay in the following circumstances:
As necessary to process your transaction and maintain your account, including to provide security improvements and protect your account against fraud.
To complete your registration for a service provided by a third party.
To inform a third-party merchant, whose site or app you visit, whether you have a YamaPay Account that can be used for making payment through that merchant’s site or app.
With your card or other payment method’s issuer and payment network, as well as payment processors and other organisations working on their behalf, to ensure the security and validity of the payment method and transactions requested using it.
For example, when you make a purchase or transaction using YamaPay, we make certain personal information about you available to the company or individual that you purchase from or transact with. This includes sharing your personal information with the developer from whom you purchase when you use YamaPay to make a purchase on YamaPay Play. It may also include sending a merchant website or app your zip or postcode and information about your form of payment when you initiate a payment using a ‘Buy with YamaPay’ or similar button, so that the merchant can calculate updated purchase information (such as tax, delivery costs and other price information) and identify whether the merchant can accept that form of payment from you as well as benefits or restrictions for particular forms of payment for your purchase. When you add a third-party payment method to your YamaPay Account, we may exchange certain personal information about you, such as your name, profile image, email, IP and billing address, phone number, device info, location and YamaPay Account activity info, with the third-party payment provider as necessary to provide the service.
When you visit a participating merchant site or app, the merchant can check whether you have a YamaPay Account with an eligible payment method that can be used to make a purchase through the merchant’s site or app, in order to reduce the likelihood that you will see unusable features on sites or apps.
Any information that you provide directly to a third-party merchant, website or application is not covered by this privacy notice. We are not responsible for the privacy or security practices of merchants or other third parties with whom you choose to share your personal information directly. We encourage you to review the privacy policies of any third party to whom you choose to share your personal information directly.
The information that we collect, including information obtained from third parties, is shared with our affiliates, meaning other companies owned and controlled by YamaPayINC. Our affiliates, which can be financial and non-financial entities, will use such information for their everyday business purposes.
We provide you with the right to opt out of certain sharing between YAMAPAY and its affiliates. Specifically, you may choose to opt out of:
Sharing between YAMAPAY and its affiliates of information about your creditworthiness for their everyday business purposes; and/or,
Our affiliates marketing their products or services to you based on your personal information that we collect and share with them. This information includes your account history with us.
You may also choose to opt out of YamaPayINC or its affiliates informing a third-party merchant, whose site or app you visit, whether you have a YamaPay Account that can be used for payment through that merchant’s site or app.
If you choose to opt out, your choice will be effective until you tell us to change your choice.
If you don’t want us to share personal information about your creditworthiness between YAMAPAY and its affiliates, or if you do not want our affiliates to use your personal information collected by us and shared with them to market to you, or if you do not want YamaPayINC or its affiliates to inform a third-party merchant, whose site or app you visit, whether you have a YamaPay Account, please indicate your preference by logging in to your account, going to the YamaPay privacy settings page and updating your preferences.
We will not share your personal information with anyone outside of YAMAPAY or with our affiliates except as described in this privacy. As explained above, YamaPay is a product offered to YamaPay Account holders. Data that you provide to YamaPayINC for the purpose of signing up for a YamaPay Account is not affected by the opt-out provisions in this notice.
The security of your YamaPay Account depends on you keeping your account password(s), PINs and other access information for the Service confidential. If you share your account information with a third party, he or she will have access to your account and your personal information.
It is your responsibility to control access to your mobile device and the YamaPay application on your device, including keeping your password(s) and/or PIN confidential and not sharing it with anyone. It is also your responsibility to alert YamaPay or the relevant partner if you believe that the security of the information in the YamaPay application has been compromised.
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