Privacy Policy

MessagePay (A Spera Inc. Company)

This Privacy Policy describes the information Spera, Inc. (“Spera”, “we”, “us” and “our”, as relevant) collects when you sign up for, use, access or otherwise interact with any Spera applications, products, services, or websites (collectively, our “Services”), how we use and share that information, and the choices we offer. This policy applies to all information we collect through our Services, even if you have not signed up for a Spera account, accessed our websites or downloaded one of our applications.

We may change this policy from time to time. If we make changes, we will notify you by posting the updated policy on this webpage, including a “Last Updated” date above. We encourage you to review this policy whenever you use our Services to stay informed about our information practices and about the choices available to you.

Collection of Information
Information You Provide

We collect information you provide, such as when you sign up for a Spera account, when you provide information as part of our identity verification process, in the course of transactions, or in your use of our Services. We may collect, but are not limited to collecting, the following: basic user information, such as your name, email address, mailing address, phone number, and birth date; financial information, including bank account and payment card numbers; and other historical, business, contact, and demographic information.

We also collect information when you upload, send, or verbally communicate information to us through our Services or otherwise (including projects, customers, pricing and other data), participate in contests or promotions offered by us or our partners, respond to our surveys, or otherwise communicate with us.

Some of our Services also allow you to connect with people you already know. For example, you may upload information from your contacts through our Services. We may match the information you provide to the information provided by other users of Spera in order to provide compensation to you for your referral, or enable you to request, make and/or receive payments.

Information We Collect from Your Use of our Services
We collect information about you when you use our Services, including the following:

Transaction Information. When you use our Services to make or accept payments, we collect information about when and where the transactions occurred, a description of the transactions, the payment or transfer amounts, in some cases, billing and shipping information, and information about the devices and payment methods used to complete the transactions.

Location Information. When you access our Services on your mobile device, we may periodically receive information about the location of the device.

Device Information. We may collect device-specific information when you access our Services, including your hardware model, operating system and version, unique device identifiers, mobile network information, and information about the device’s interaction with our Services.

Use Information. We collect information about how you use our Services, including your access times, browser types and language, and Internet Protocol (“IP”) addresses.

Information Collected by Cookies and Web Beacons. We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage and campaign effectiveness, and determine whether an email has been opened and acted upon.

Information We Collect From Other Sources
We may also collect information about you from third parties, including but not limited to third-party verification services, credit bureaus, mailing list providers, and publicly available sources. In some circumstances, this information may include your Social Security or taxpayer identification number.

Third-Party Advertising and Analytics
We may allow third parties to serve advertisements in connection with our Services and to provide analytics services. These third parties may use cookies, web beacons, and other technologies to collect information, such as your IP addresses, identifiers associated with your mobile device or applications on the device, the browsers you use to visit our Services, pages viewed, time spent on pages, links clicked, and conversion information. This information may be used by us and other companies to analyze and track data, determine the popularity of certain content or features and better understand your usage. This policy does not apply to, and we are not responsible for, third-party cookies, web beacons, or other tracking technologies, and we encourage you to check the privacy policies of these third parties to learn more about their privacy practices.

Use of Information
We use information about you to provide, maintain, and improve our Services and to deliver the information and support you request, including receipts, technical notices, security alerts, and support and administrative messages.

We also use information about you to improve and personalize our Services. As just one example, when you sign up for a Spera account, we may associate certain information with your new account, such as information about other accounts you have or had with us and prior transactions you made through our Services.

We may use information we collect to send you news and information about our Services and to communicate with you about products, services, contests, promotions, incentives, and rewards offered by us and select partners, including sellers.

We may also use information about you: to track and analyze trends and usage in connection with our Services; to process and deliver contest and promotion entries and rewards; to protect our rights or property; to verify your identity; to investigate and prevent fraud or other illegal activities; and for any other purpose disclosed to you in connection with our Services.

We may, or we may use third-party service providers to, process and store personal information in the United States and other countries.

Sharing of Information
We may share personal information about you as follows:

With third parties to provide, maintain, and improve our Services, including service providers who access information about you to perform services on our behalf (e.g., fraud prevention and verification services), and including financial institutions, processors, payment card associations, and other entities that are part of the payment or transfer process;

With others who have signed up for Spera accounts in order to provide our Services. For example, we may share information when you make or accept a payment or transfer using our Services;

With third parties that run advertising campaigns, contests, special offers, or other events or activities in connection with our Services;

In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business;

If we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process, or governmental request; to enforce applicable agreements or policies; to protect the security or integrity of our Services; and to protect us, our sellers, end users, or the public from harm or illegal activities; and

With other third parties, so long as the information is non-personally identifiable and aggregated with other information.

Security
We take reasonable measures, including administrative, technical, and physical safeguards, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction.

Your Choices
Location Information
If you initially consent to our collection of location information, you can subsequently stop our collection of location information at any time by changing the preferences on your mobile device. You may also stop our collection of location information by following the standard uninstall process to remove Spera applications from your device.

Cookies
Most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove or reject cookies; however, our Services may not function properly if you do so.

Preferences
Personal Information. You may change or correct information about yourself by logging into your Spera account at any time. We may retain archived copies of information about you and your transactions for a period of time that is consistent with applicable law.

Promotional Communications. You may opt out of receiving promotional emails from Spera by following the instructions in those emails. If you opt out, we may still send you non-promotional communications, such as digital receipts and messages about your account or our ongoing business relations.

Contact
If you have any questions about this Policy, please contact us.

Spera, Inc.

team@messagepay.io