Our Commitment to Privacy

Thank you for visiting this CaribPay.com® website. Protecting consumer privacy is very important to us. Our Online Privacy Statement is available to inform you about our collection and use of personal information so that you can make informed choices about how your own information is collected and used. To help customers better understand the personal information we gather and the practices we employ, CaribPay has developed a set of privacy policies. These policies encompass several categories and attempt to answer the following questions:

• How is personal information collected, used, and disclosed?
• How can users cancel the service?
• How does CaribPay use cookies?
• How does CaribPay secure your information?

A Special Note about Children:This Web site is not directed towards children nor do we encourage them to use our services. If you are under the age of 18, you are not eligible to use our services and we ask that you do not submit any personal information to us.

How is Personal Information Collected ?

Personal information might be collected from you in several ways:

• When you first registered with CaribPay
  When you initially open a CaribPay account, we may require your name, phone number, e-mail address, mailing address, billing address, credit card number, credit card expiration date, bank account, bank routing number, and one or more government issued ID. In addition, when you register with CaribPay, for your protection and ours we may receive personal information from consumer reporting agencies and from the financial institutions though which we process your transactions.
• Transaction Information
  When you use CaribPay to send money to someone else or request money from someone else, we ask you to provide information related to each transaction, including the amount of the transaction, the type of transaction (Transfer to Telephone account, or simple Senvia money transfer) and the e-mail address of the third party. We retain this information for each of your transactions through CaribPay. We also collect the Internet address (IP address) of the computer or device you use to access your CaribPay account, in order to help detect possible instances of unauthorized transactions.
• When you register with co-branded partners
  CaribPay is sometimes offered through other internet services. We refer to these services as "our co-branded partners." If you pre-register for the CaribPay service through one of our co-branded partners, that website may provide personal information about you to CaribPay.
• When you submit feedback about the CaribPay service
  We ask that you include your e-mail address, transaction number and name when providing feedback about the CaribPay service.
• When you enter a contest or other special promotion
  We may ask you to provide your name, e-mail address, and shipping address. · When you update your CaribPay account. Should your registration information (i.e., name, phone number, e-mail address, mailing address, billing address, credit card number, credit card expiration date, bank account details) change, you will have the opportunity to update your account. Simply log into your personal CaribPay account and click on “Profile" to update your personal information.
• When you visit our site
  The way the World Wide Web works, when you visit our site, we may collect the web address of the site that you visit just before you come to CaribPay, and just after you leave us. We may use this information only in the aggregate and only to learn more about our customers’ interests and preferences so that we may better serve you.
• When we send you e-mail
  We use software that enables us to track whether you support HTML e-mail in your e-mail client, such as Microsoft Outlook, Lotus Notes or AOL. We also use such software to determine whether an HTML e-mail message has been opened or previewed, however, we cannot track the open rate on text-only e-mail messages. We use this capability only to deliver the best content to you. Please note that you can override the "HTML Capable" setting in your e-mail client.
• Information About You From Third Parties
  In order to protect all our customers against potential fraud, we verify with third parties the information you provide. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you register a bank account and or credit card/debit card with CaribPay, we will use card authorization and fraud screening services to verify that your bank account and or card information and address matches the information that you supplied to CaribPay, and that the Bank Account and or Credit/Debit card has not been reported as compromised, lost or stolen, whichever applies.
• Additional Verification
  If we cannot verify the information that you provide, or if you request a withdrawal by check to an address other than your verified credit card billing address, we may ask you to send us additional information by fax (such as your drivers' license, credit card statement, and/or a recent utility bill or other information linking you to the applicable address), or to answer additional questions online to help verify your information.

How is Personal Information Used?

When we provide our service.
CaribPay requires certain personal information to be provided when sending money. Among other uses, this information is necessary for CaribPay to provide its Services. For example, a person sending you money is required to provide personal information (e.g., name, e-mail, phone, shipping address, credit card number, etc.) so that CaribPay can among other things verify the sender's identity, process the transaction, verify receipt of deposit, confirm sender information, and provide status reports related to the transaction.

When we try to improve.
Information collected when providing feedback about the CaribPay service is necessary so that CaribPay may contact users for clarification or additional help in improving our service portfolio offerings. Information collected during contests is used to administer promotions.

When we notify our customers. In addition, CaribPay maintains several e-mail lists to keep CaribPay members informed about our products and services as well as latest breaking events. However, CaribPay protects its users from unsolicited mail contact. If you do not want to receive such mailings, simply go into your CaribPay account, click on “Profile” and update your Contact Information. Deselect the checkbox on the bottom that reads "Inform me of special offers and promotions at CaribPay  and we will promptly remove your name from our distribution list.

How is Personal Information Disclosed?

CaribPay does not sell, disclose, transfer, rent, loan, trade, or lease individually identifiable user information to any third parties collected at our site, including membership forms, e-mail lists or Web site logs, except to provide CaribPay's basic service and to provide information about CaribPay products, offers, and events, and except as we explain below. The following describes the ways that your personal information may be disclosed.·

The Basic Product Offering.
In order to provide our services, CaribPay may disclose some personal information to other companies, and these companies may disclose personal information about you to us. For example, CaribPay and other companies may exchange personal information about you in order to verify a sender's identity or credit rating, process a transaction or verify receipt of deposit. This may include information we received from our co-branded partners about you.Further, CaribPay must disclose some personal information to each of the two users involved in the transaction to provide our service. For instance, sender gets the receiver’s name and e-mail address. Receiver gets the Sender's name, e-mail address, telephone number. We also may give additional information to sender’s to help better protect them against fraudulent transactions. Such disclosures may include information enabling the receiver to compare a sender's address or zip code against his or her credit card billing address or zip code. We may also provide the number of attempts a sender made in trying to effect a transaction (such as the number of different credit cards attempted), as well as the number of approved CaribPay transactions to which a sender has been a party.

Disclosure to Co-branded Partners.
Users must be pre-registered for the CaribPay service either through CaribPay directly at the company's web site or through one of CaribPay's co-branded partners. For our co-branded offering, CaribPay will collect information for itself and its partner. CaribPay will share information with its co-branded partners through various communication mechanisms. Both companies agree that they will not sell, disclose, transfer, rent, loan, trade, or lease individually identifiable user information to any third parties, except to provide CaribPay's basic product offering.          

Disclosure for Marketing Purposes and Joint Marketing Arrangements.
CaribPay may use a third-party e-mail marketing firm for the purpose of managing e-mail communications with customers, such as outbound marketing promotional e-mails. For these mailings, we generally share e-mail lists and other personal information to execute the mailing, however all such information is kept strictly confidential. Further, while CaribPay does not currently have any joint marketing arrangements with third parties, we may enter into such agreements in the future. To the extent permitted by law, CaribPay reserves the right to disclose the information we collect, as described above, to companies that perform marketing services on our behalf or to other third parties with whom we may enter joint marketing agreements.From time to time, CaribPay collects and may share aggregated demographic or usage information about our site for marketing and other purposes. However, such information does not identify our users individually.

Disclosure for Legal and Regulatory Requests
CaribPay cooperates with all law enforcement and regulatory authority inquiries and will release information about you if we are compelled to do so. We may also disclose information about you in other circumstances as permitted by law as we, in our sole discretion, believe necessary or appropriate. For example, we may release information in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us or you to legal liability. Further, due to the existing regulatory environment, we cannot ensure that all of your private communications and other personally identifiable information will never be disclosed in ways not otherwise described in this Privacy Policy; for instance, third parties may unlawfully intercept private communications.

Information Security 
CaribPay is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form generally on computers that are not connected to the Internet. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Non-Disclosure of Your Password. 
The security of your CaribPay account also relies on your protection of your CaribPay password. You may not share your CaribPay password with anyone. CaribPay will never ask you to send your password or other sensitive information to us in an e-mail, though we may ask you to enter this type of information on the CaribPay website, which will always have a URL beginning with https://www.CaribPay.com/. CaribPay requires that you do not disclose or share your password with any third parties. If you lose control of your password, you may lose control over your personally identifiable information and may be subject to legally binding actions taken on your behalf. If your password has been compromised for any reason, you should immediately change it. Any e-mail or other communication requesting your password, asking you to provide sensitive account information via email, or linking to a website with a URL that does not begin with https://www.CaribPay.com/ should be treated as unauthorized and suspicious and should be reported to CaribPay immediately. If you do share your CaribPay password with a third party for any reason, including because the third party has promised to provide you additional services such as account aggregation, the third party will have access to your account and your personal information, and you may be responsible for actions taken using your password. If you believe someone else has obtained access to your password, please change it immediately by logging in to your account at www.CaribPay.com  and changing your Profile settings, and also contact us right away

How Can Users Cancel the Service?

You can cancel CaribPay service under your “Profile” within your account or by contacting CaribPay's Customer Service Department. In some circumstances, however, we will retain information about former customers in order to adhere to legal requirements, resolve disputes, troubleshoot problems, and enforce our User Agreement. Furthermore, some information is not completely removed from our databases. Therefore, you should not expect that all of your personally identifiable information will be removed.

How Does CaribPay Use Cookies?

A cookie is a small data file that is placed on your hard drive. Among other things, CaribPay may use cookies to load your personal settings and preferences information. We protect information cookies with encryption and Secure Sockets Layer (SSL) technology, the industry standard for secure commerce transactions. Web Site Traffic InformationBecause of the way that World Wide Web communication standards work, when you arrive at or leave the CaribPay Web site, we may collect the Web address of the site that you came from or are going to. We may also collect information on which pages of our Web site you visit while you are on the CaribPay site, the type of browser you use and the times you access our Web site. We use this information only to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our service and your experience with CaribPay. We do not track the Web sites that you visit before or after you leave the CaribPay site.

How Does CaribPay Secure Your Information?

When you conduct a transaction on our site or when you log into your CaribPay account, we encrypt all of your private information. That information is then stored in a secure data center. All transactions are conducted through our secure servers, which are protected behind sophisticated firewalls. However, "absolute, 100%" security does not exist on the Internet. Customer Service CorrespondenceIf you send us correspondence, including e-mails and faxes, we generally retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from CaribPay to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.

Notice of Policy Changes

From time to time, we may change this Privacy Policy based on your comments and our need to accurately reflect our data collection and disclosure practices. As required by federal law, we will notify you of any changes to our Policy.

Questions

If you have any questions regarding CaribPay's privacy policy, please feel free to contact CaribPay's Customer Service department. This Privacy Policy is incorporated into and subject to the terms of the User Agreement.

Contacting Us

If you have any questions about this privacy statement, CaribPay’s information practices, or your dealings with CaribPay, you can contact us using this form, call 561-845-6543 Monday through Friday between the hours of 8am and 6pm EST, or write us at

CaribPay, C/o TreasureCom Financial Holdings,
224 Datura St. Suite 505,
West Palm Beach, FL, 33401