Skipify Privacy Policy

Effective date: November 25, 2022

At Skipify, we take your privacy seriously. Please read this Privacy Policy to learn how we treat your personal data. By using or accessing our Services in any manner, you acknowledge that you accept the practices and policies outlined below, and you hereby consent that we will collect, use and share your information as described in this Privacy Policy.

Remember that your use of Skipify's Services is at all times subject to our Terms of Use, which incorporates this Privacy Policy. Any terms we use in this Policy without defining them have the definitions given to them in the Terms of Use.

You may print a copy of this Privacy Policy by clicking here

Privacy Policy Table of Contents

• What this Privacy Policy Covers
• Personal Data
  • Categories of Personal Data We Collect
  • Categories of Sources of Personal Data
  • Our Commercial or Business Purposes for Collecting Personal Data
• How We Share Your Personal Data
• Tracking Tools, Advertising and Opt-Out
• Data Security and Retention
• Personal Data of Children
• California Resident Rights
• Other State Law Privacy Rights
• Changes to this Privacy Policy
• Contact Information

What this Privacy Policy Covers

This Privacy Policy covers how we treat Personal Data that we gather when you access or use our Services. “Personal Data” means any information that identifies or relates to a particular individual and also includes information referred to as “personally identifiable information” or “personal information” under applicable data privacy laws, rules or regulations. This Privacy Policy does not cover the practices of companies we don’t own or control or people we don’t manage.

Personal Data

Categories of Personal Data We Collect

This chart details the categories of Personal Data that we collect and have collected over the past 12 months:

Categories of Sources of Personal Data

We collect Personal Data about you from the following categories of sources:

• You
  • When you provide such information directly to us.
    1. When you use our interactive tools and Services.
    2. When you voluntarily provide information in free-form text boxes through the Services or through responses to surveys or questionnaires.
    3. When you send us an email or otherwise contact us.
  • When you use the Services and such information is collected automatically.
    1. Through Cookies (defined in the “Tracking Tools, Advertising and Opt-Out” section below).
    2. If you use a location-enabled browser, we may receive information about your location.
    3. If you download and install certain applications and software we make available, we may receive and collect information transmitted from your computing device for the purpose of providing you the relevant Services.
• Public Records
  • From the government or other sources.
• Third Parties
  • Vendors
    1. We may use analytics providers to analyze how you interact and engage with the Services, or third parties may help us provide you with customer support.
    2. We may use vendors to obtain information to generate leads and create user profiles.
  • Advertising Partners
    1. We receive information about you from some of our vendors who assist us with marketing or promotional services related to how you interact with our websites, applications, products, Services, advertisements or communications.
  • Card Networks and Card Issuers
    1. We receive information about you from card networks and card issuers in order to enable Skipify’s 1-touch checkout.
  • Social Media Networks
    1. If you provide your social network account credentials to us or otherwise sign in to the Services through a third-party site or service, some content and/or information in those accounts may be transmitted into your account with us.

Our Commercial or Business Purposes for Collecting Personal Data

• Providing, Customizing and Improving the Services
  • Providing you with the products, services or information you request.
  • Meeting or fulfilling the reason you provided the information to us.
  • Providing support and assistance for the Services.
  • Improving the Services, including testing, research, internal analytics and product development.
  • Personalizing the Services, website content and communications based on your preferences.
  • Doing fraud protection, security and debugging.
  • Carrying out other business purposes stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act (the “CCPA”).
• Marketing the Services
  • Marketing and selling the Services.
  • Showing you advertisements, including interest-based or online behavioral advertising.
• Corresponding with You
  • Responding to correspondence that we receive from you, contacting you when necessary or requested, and sending you information about Skipify or the Services.
  • Sending emails and other communications according to your preferences or that display content that we think will interest you.
• Meeting Legal Requirements and Enforcing Legal Terms
  • Fulfilling our legal obligations under applicable law, regulation, court order or other legal process, such as preventing, detecting and investigating security incidents and potentially illegal or prohibited activities.
  • Protecting the rights, property or safety of you, Skipify or another party.
  • Enforcing any agreements with you.
  • Responding to claims that any posting or other content violates third-party rights.
  • Resolving disputes.

We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated or incompatible purposes without providing you notice.

How We Share Your Personal Data

We disclose your Personal Data to the categories of service providers and other parties listed in this section. Depending on state laws that may be applicable to you, some of these disclosures may constitute a “sale” of your Personal Data. For more information, please refer to the state-specific sections below.

• Service Providers. These parties help us provide the Services or perform business functions on our behalf. They include:
  1. Hosting, technology and communication providers.
  2. Security and fraud prevention consultants.
  3. Product fulfillment and delivery providers.
• Advertising Partners. These parties help us market our services and provide you with other offers that may be of interest to you. They include ad networks.
• Analytics Partners. These parties provide analytics on web traffic or usage of the Services. They include:
  1. Companies that track how users found or were referred to the Services.
  2. Companies that track how users interact with the Services.
• Parties You Authorize, Access or Authenticate, such as Merchants
  1. Third parties you access through the services, such as merchants from whom you purchase a product or service using Skipify’s 1-touch checkout. We also share Personal Data with social media services that you authorize, access, or authenticate.

Legal Obligations

We may share any Personal Data that we collect with third parties in conjunction with any of the activities set forth under “Meeting Legal Requirements and Enforcing Legal Terms” in the “Our Commercial or Business Purposes for Collecting Personal Data” section above.

Business Transfers

All of your Personal Data that we collect may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part). Should one of these events occur, we will make reasonable efforts to notify you before your information becomes subject to different privacy and security policies and practices.

Data that is Not Personal Data

We may create aggregated, de-identified or anonymized data from the Personal Data we collect, including by removing information that makes the data personally identifiable to a particular user. We may use such aggregated, de-identified or anonymized data and share it with third parties for our lawful business purposes, including to analyze, build and improve the Services and promote our business, provided that we will not share such data in a manner that could identify you.

Tracking Tools, Advertising and Opt-Out

The Services use cookies and similar technologies such as pixel tags, web beacons, clear GIFs and JavaScript (collectively, “Cookies”) to enable our servers to recognize your web browser, tell us how and when you visit and use our Services, analyze trends, learn about our user base and operate and improve our Services. Cookies are small pieces of data– usually text files – placed on your computer, tablet, phone or similar device when you use that device to access our Services. We may also supplement the information we collect from you with information received from third parties, including third parties that have placed their own Cookies on your device(s). Please note that because of our use of Cookies, the Services do not support “Do Not Track” requests sent from a browser at this time.

We use the following types of Cookies:

• Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
• Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
• Performance/Analytical Cookies. Performance/Analytical Cookies allow us to understand how visitors use our Services. They do this by collecting information about the number of visitors to the Services, what pages visitors view on our Services and how long visitors are viewing pages on the Services. Performance/Analytical Cookies also help us measure the performance of our advertising campaigns in order to help us improve our campaigns and the Services’ content for those who engage with our advertising. For example, Google LLC (“Google”) uses cookies in connection with its Google Analytics services. Google’s ability to use and share information collected by Google Analytics about your visits to the Services is subject to the Google Analytics Terms of Use and the Google Privacy Policy. You have the option to opt-out of Google’s use of Cookies by visiting the Google advertising opt-out page at www.google.com/privacy_ads.html or the Google Analytics Opt-out Browser Add-on at https://tools.google.com/dlpage/gaoptout/

Retargeting/Advertising Cookies. Retargeting/Advertising Cookies collect data about your online activity and identify your interests so that we can provide advertising that we believe is relevant to you. For more information about this, please see the section below titled “Information about Interest-Based Advertisements.” We use retargeted advertising cookies from services such as Snap, Inc. and and Taboola, Inc., among others.

You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.

To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit http://www.allaboutcookies.org/.

Information about Interest-Based Advertisements:

We may serve advertisements, and also allow third-party ad networks, including third-party ad servers, ad agencies, ad technology vendors and research firms, to serve advertisements through the Services. These advertisements may be targeted to users who fit certain general profile categories or display certain preferences or behaviors (“Interest-Based Ads”). Information for Interest-Based Ads (including Personal Data) may be provided to us by you, or derived from the usage patterns of particular users on the Services and/or services of third parties. Such information may be gathered through tracking users’ activities across time and unaffiliated properties, including when you leave the Services. To accomplish this, we or our service providers may deliver Cookies, including a file (known as a “web beacon”) from an ad network to you through the Services. Web beacons allow ad networks to provide anonymized, aggregated auditing, research and reporting for us and for advertisers. Web beacons also enable ad networks to serve targeted advertisements to you when you visit other websites. Web beacons allow ad networks to view, edit or set their own Cookies on your browser, just as if you had requested a web page from their site.

Data Security and Retention

We seek to protect your Personal Data from unauthorized access, use and disclosure using appropriate physical, technical, organizational and administrative security measures based on the type of Personal Data and how we are processing that data. Although we work to protect the security of your data that we hold in our records, please be aware that no method of transmitting data over the internet or storing data is completely secure.

We retain Personal Data about you for as long as necessary to provide you with our Services. In some cases we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.

Personal Data of Children

As noted in the Terms of Use, we do not knowingly collect or solicit Personal Data about children under 13 years of age; if you are a child under the age of 13, please do not attempt to register for or otherwise use the Services or send us any Personal Data. If we learn we have collected Personal Data from a child under 13 years of age, we will delete that information as quickly as possible. If you believe that a child under 13 years of age may have provided Personal Data to us, please contact us at help@skipify.com.

California Resident Rights

If you are a California resident, you have the rights set forth in this section. Please see the “Exercising Your Rights” section below for instructions regarding how to exercise these rights. Please note that we may process Personal Data of our customers’ end users or employees in connection with our provision of certain services to our customers. If we are processing your Personal Data as a service provider, you should contact the entity that collected your Personal Data in the first instance to address your rights with respect to such data.

If there are any conflicts between this section and any other provision of this Privacy Policy and you are a California resident, the portion that is more protective of Personal Data shall control to the extent of such conflict. If you have any questions about this section or whether any of the following rights apply to you, please contact us at ccpa@skipify.com.

Access

You have the right to request certain information about our collection and use of your Personal Data over the past 12 months. In response, we will provide you with the following information:

• The categories of Personal Data that we have collected about you.
• The categories of sources from which that Personal Data was collected.
• The business or commercial purpose for collecting or selling your Personal Data.
• The categories of third parties with whom we have shared your Personal Data.
• The specific pieces of Personal Data that we have collected about you.

Deletion

You have the right to request that we delete the Personal Data that we have collected about you. Under the CCPA, this right is subject to certain exceptions: for example, we may need to retain your Personal Data to provide you with the Services or complete a transaction or other action you have requested. If your deletion request is subject to one of these exceptions, we may deny your deletion request.

Exercising Your Rights

To exercise the rights described above, you or your Authorized Agent (defined below) must send us a request that (1) provides sufficient information to allow us to verify that you are the person about whom we have collected Personal Data [either by logging into your Skipify account, or by reaching out to ccpa@skipify.com from the same email address you used to access Skipify’s services], and (2) describes your request in sufficient detail to allow us to understand, evaluate and respond to it. Each request that meets both of these criteria will be considered a “Valid Request.” We may not respond to requests that do not meet these criteria. We will only use Personal Data provided in a Valid Request to verify your identity and complete your request. You do not need an account to submit a Valid Request.

We will work to respond to your Valid Request within 45 days of receipt. We will not charge you a fee for making a Valid Request unless your Valid Request(s) is excessive, repetitive or manifestly unfounded. If we determine that your Valid Request warrants a fee, we will notify you of the fee and explain that decision before completing your request.

You may submit a Valid Request using the following methods:

• Email us at: ccpa@skipify.com
• Submit a form at this address

You may also authorize an agent (an “Authorized Agent”) to exercise your rights on your behalf. To do this, you must provide your Authorized Agent with written permission to exercise your rights on your behalf, and we may request a copy of this written permission from your Authorized Agent when they make a request on your behalf.

Personal Data Sales Opt-Out and Opt-In

We will not sell your Personal Data, and have not done so over the last 12 months. To our knowledge, we do not sell the Personal Data of minors under 16 years of age.

We Will Not Discriminate Against You for Exercising Your Rights Under the CCPA

We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA. However, we may offer different tiers of our Services as allowed by applicable data privacy laws (including the CCPA) with varying prices, rates or levels of quality of the goods or services you receive related to the value of Personal Data that we receive from you.

Other State Law Privacy Rights

California Resident Rights

Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of Personal Data to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us at help@skipify.com.

Nevada Resident Rights

If you are a resident of Nevada, you have the right to opt-out of the sale of certain Personal Data to third parties who intend to license or sell that Personal Data. You can exercise this right by contacting us at help@skipify.com with the subject line “Nevada Do Not Sell Request” and providing us with your name. However, we do not sell your personal data.

Changes to this Privacy Policy

We’re constantly trying to improve our Services, so we may need to change this Privacy Policy from time to time, but we will alert you to any such changes by placing a notice on the Skipify website, by sending you an email and/or by some other means. Please note that if you’ve opted not to receive legal notice emails from us (or you haven’t provided us with your email address), those legal notices will still govern your use of the Services, and you are still responsible for reading and understanding them. If you use the Services after any changes to the Privacy Policy have been posted, that means you agree to all of the changes. Use of information we collect is subject to the Privacy Policy in effect at the time such information is collected.

Contact Information:

If you have any questions or comments about this Privacy Policy, the ways in which we collect and use your Personal Data or your choices and rights regarding such collection and use, please do not hesitate to contact us at:

• https://www.skipify.com/
• support@skipify.com
• 311 7th Ave San Mateo CA 94401

GoCart Privacy Policy

Effective date: 20 January 2021

GoCart is a service of GoCart LLC ("Company" or "we" or "our"). We recognize and respect the privacy of individuals whose personal information the Company collects, uses, and stores in the course of conducting business. We are committed to processing personal information in accordance with applicable privacy laws and regulations as described in this Privacy Notice. Nothing in this Privacy Notice shall be construed to purport to override applicable privacy laws and regulations.

This Privacy Notice explains to individuals who access or use The Company’s services, including those who interact with our websites, platforms, integrations with merchants, mobile sites, and applications ( Sites and Services) ("you" or "customer"), how The Company uses your personal information.

Personal information used by GoCart

The Company collects personal information from customers in order to carry out its business activities and provide services to our customers, our merchant customers and their end consumers. The Company may collect personal information from various sources, including:

• information provided to us directly from you;
• information provided to us by a participating online merchant;
• information provided to us from your bank or a credit card processor;
• information automatically collected from your browser and device when you use our Sites and Services, including by the use of cookies; and
• information collected from third parties, including but not limited to: fraud monitoring service providers, commercial databases, or know your customer (KYC) service providers and regulators.

This personal information may include:

• Contact information, including but not limited to: name (first, last, and business), telephone numbers, address (shipping address and billing address), email address, and any other contact information you provide;
• Correspondence you send to us, either by phone, email, or otherwise, in connection with your use of our Sites and Services;
• Information related to items you purchase, including but not limited to: location of the purchase, value, time, method, any feedback that is given in relation to such purchase, and data associated with the items you purchase including at the SKU level;
• Financial and credit/debit card information, including but not limited to: payment account number (PAN) or account number, card expiration date, card verification code, card equivalent information, tokenized card information, bank and/or card issuer details, any other information necessary to process a transaction, billing address, and loyalty point balances; and
• Technical information automatically collected from your device and browser, including but not limited to: the IP address used to connect your computer or device to the Internet, your device ID, login information (username/password), browser type and version, time zone setting, browser plug-in types and versions, browser language setting, device operating system platform, mobile carrier, and location or GPS/geo- location.
• Information about your visit or whether you opened an email, including but not limited to: the full Uniform Resource Locators (URL) clickstream to, through and from the Company’s site (including date and time), products or services you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks and mouse-overs), and methods used to browse away from the site page;
• Information provided to us from your bank, including but not limited to: payment card information, name (first, last, and business), date of birth, telephone numbers, address, and email address;
• Social media posts on the Company social media sites or made publicly about the Company on social media; and
• Financing information: The Company may provide you with an opportunity to finance a purchase through a third party financial services lender. If you elect to explore such an opportunity, The Company may provide your information to the third party financial services lender or you may be directed to the third party financial services lender’s website. In addition to any information the Company provides to the lender, the lender may collect information necessary to provide you with information about a financing offer approve and potentially to process any request for credit you make. All such information would be submitted to the third party financial services lender and subject to the privacy policy maintained by that third party financial services lender.

Purposes for Collection of Information

We may use your information to:

• enable you to access the Sites and Services;
• complete a transaction or fulfill a service;
• allow you to track your purchase and view purchase history;
• communicate with you about your purchases;
• send you updates regarding the Sites and Services;
• respond to requests for information and provide customer support;
• obtain your feedback and improve our customer service;
• advertise products you may be interested in;
• send you information about promotions, products or services we believe may be of interest to you;
• verify that the right person is using the right card or account;
• meet the requirements of the card brands or account issuers;
• make sure we are paid for what you buy;
• help us recognize your browser as a previous visitor and to save and remember any preferences that may have been set while your browser was visiting the Sites and Services;
• assist in measuring, researching, and improving the effectiveness of our online content;
• improve our Sites and Services;
• if applicable, update your credit card loyalty point balance based on purchases you make with loyalty points;
• update information about your payment cards in the event you need to replace your payment card;
• if applicable, provide information about you to a third party financial services lender in connection with your election to pursue an opportunity to finance a purchase through a third party financial services lender;
• update information about your payment cards in the event you need to replace your payment card;
• create additional levels of customer authentication when logging in;
• protect the security or integrity of the Sites and Services and our business, such as by protecting against and preventing fraud and unauthorized transactions, managing risk exposure, and identifying potential hackers and other unauthorized users; and
• protect you and other customers against criminal activities and risks.

GoCart’s sharing of personal information

The Company does not sell your personal information. The Company may make personal information available to:

• other parts of the Company, or its affiliated companies;
• third-party service providers, including information technology service providers (e.g. for cloud computing), risk, fraud, and compliance service providers (e.g. for transaction risk monitoring); and for business analytics (e.g. for data aggregation, visualisation and reporting);
• our business partners, including payment processors, payment infrastructure providers, participating merchants, banks and other financial institutions;
• our professional legal advisors (accountants, consultants, lawyers and tax advisors);
• law enforcement, regulatory, prosecuting, tax or governmental authorities, courts or other tribunals or dispute resolution bodies;
• prospective sellers or buyers as part of a sale or merger of our company, business or assets; and
• any other third party to the extent the disclosure is required by a law which applies to us. As the Company is a global business, the above recipients may be based outside of the United States.

Use of cookies

Information is collected by cookies and other tracking technologies when you use our Sites and Services. Cookies are small files containing information that uniquely identifies your browser. They are stored by your browser or other application on your computer’s browser or hard drive. We use cookies to track your new and returning visits to our Site. This information may be used to enable social media connections, enable you to set preferences, and produce website activity reports, including the number of visitors our website receives and which pages are viewed. Please see our Cookie Notice for more information about the cookies and other tracking technologies we use at https://gocartpay.com/cookienotice.

Retention

The Company will retain personal information only for as long as it is needed for the purposes for which we use it, in accordance with our retention policy. You may request further details about how long we hold your personal information by contacting us as set out in the "Contact Us" section below.

Security

The Company is committed to the confidentiality and security of personal information. The Company’s systems and facilities in which personal information are processed are protected by secure network architectures that contain firewalls and intrusion detection devices.

Links to third party sites

Our Sites and Services may, from time to time, contain links to and from the websites or services of partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites or services may have their own privacy policies and we do not accept any responsibility or liability for these policies, nor do we endorse such websites or services. We advise that you check any relevant terms before you submit any personal information to these third parties.

Your California privacy rights

California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to request and obtain from us once per calendar year information about the customer information we shared with third parties for their own direct marketing purposes, including the categories of information and the names and addresses of those businesses with which we have shared such information. We do not currently share the personal information of California residents with third parties for their own direct marketing purposes. However, if you have further questions about our privacy practices and compliance with California law, please contact us as explained below.

In addition, if you are a California resident, the California Consumer Privacy Act provides you with the following rights with respect to your personal information:

• The right to request to know the categories or specific pieces of personal information we have collected, used, disclosed and sold about you. To submit a request to know, you may email us at support@gocartpay.com or visithttps://gocartpay.com/support. You also may designate an authorized agent to make a request for access on your behalf on our website athttps://gocartpay.com/support.
• The right to request that we delete any personal information we have collected about you. To submit a request for deletion, you may email us at support@gocartpay.com or visithttps://gocartpay.com/Support/Unenroll. You also may designate an authorized agent to make a request for deletion on your behalf on our website athttps://gocartpay.com/support.

When you exercise these rights and submit a request to us, we will verify your identity by asking you to log in to your account if you have one with us. Or if you do not, we may ask for your email address or account number. The Company also may use a third party verification provider to verify your identity.

The fact that you have elected to exercise these rights will have no adverse effect on the quality of our services.

Children's privacy

The Company does not knowingly solicit or collect personally identifiable information from children under the age of thirteen (13) without verifiable parental consent. If the Company learns that a child under the age of thirteen (13) has submitted personally identifiable information online without parental consent, the Company will take all reasonable measures to delete such information from our databases and to not use such information for any purpose (except where necessary to protect the safety of the child or others as required or allowed by law). If you become aware of any personally identifiable information we have collected from children under thirteen (13), please contact us at support@gocartpay.com.

Minors under 18 years of age may have the personal information that they provide to us deleted by sending an email requesting deletion to support@gocartpay.com. Please note that, while we make reasonable efforts to comply with such requests, deletion of your personal information does not ensure complete and comprehensive removal of that data from all systems.

Changes to this Notice

As this Notice is updated or modified, the current version will be posted on the Company’s Privacy section of Privacy Policy.

Contact Us

If you have any questions related to the Company’s collection of your personal information, or if you would like to request a copy of this Privacy Notice in a different format, please send your inquiries to: