MassPay Privacy Policy

MassPay Incorporated, is a Delaware corporation, with offices located at: 7000 East Shea Blvd. Suite E140, Scottsdale, Arizona 85254.  We can be reached at support@masspay.io or by calling 605-269-0436.  MassPay respects the privacy of our users and is committed to protect their personal information and use it lawfully.  This Privacy Policy describes how we may collect, use and disclose such personal information, and the rights and choices available to our users regarding such information.

I.  Overview

This Privacy Policy is designed to help You obtain information about our privacy practices and to help You understand Your privacy choices when You use our Sites and Services. Please note that our Service offerings may vary by region.

In this Privacy Policy, we sometimes refer to “You” or “Your.” “You” mostly refers to a Payee; however, “You” may also refer to a visitor to our Sites, a Payer, a third-party service provider, an employee, a Reseller, or an Affiliate — all of whom are subject to this Privacy Policy. 

The Sites and Services are operated by MassPay for Payers or on behalf of Payers, respectively.

We have defined some terms that we use throughout the Privacy Policy. You can find the meaning of a capitalized term in the Definitions section. Please contact us at support@masspay.io if You have questions about our privacy practices that are not addressed in this Privacy Policy.

II. What Personal Data Do We Collect?

We collect Personal Data about our business customers (each a “Payer”) and their designated payees (each a “Payee”) when they use the Sites or the Services. We also collect information about the third-party service providers who we engage to help us provide the Services, as well as information about our employees.

We collect information about You that You provide to us when You access or use the Sites or Service. This information may include Your name, nationality, home address, telephone number, social security number, personal email address, Your forwarding address (e.g. during a vacation), previous address(es), billing and account information (such as credit or debit card number, or bank account number), Your mailing preferences, delivery instructions, transaction history, IP address, and service preferences, as well as other information defined as non-public or private information about You pursuant to applicable law.  By submitting your personal information you consent to the use of that information as set out in this policy.

III. How do We Retain Personal Data?

We retain Personal Data in an identifiable format for the least amount of time necessary to fulfill our legal or regulatory obligations and for our business purposes. We may retain Personal Data for longer periods than required by law if it is in our legitimate business interests and not prohibited by law. We will continue to use and disclose such Personal Data in accordance with this Privacy Policy.

IV. How Do We Process Personal Data?

We may Process Your information for the following reasons:

  • To operate the Sites and provide the Services, such as to evaluate a Payer’s application to use our Services or to establish Your identity for compliance purposes, authenticate Your access to Your Account; and to process payment transactions on a Payer’s behalf;
  • To manage our business needs, such as monitoring, analyzing, and improving the Services and the Sites’ performance and functionality.
  • To manage risk and protect the Sites, the Services and You from fraud by verifying Your identity and helping to detect and prevent fraud and abuse of the Sites or Services.
  • To market to Payers by delivering marketing materials about Services.
  • To provide You with location-specific options, functionality or offers if you elect to share Your Geolocation Information through the Services. We will use this information to enhance the security of the Sites and Services and provide You with location-based Services, such as advertising, search results, and other personalized content.  
  • To comply with our obligations and to enforce the terms of our Sites and Services, including to comply with all applicable laws and regulations.
  • For the performance of a contract, such as where necessary to carry out payment services.
  • For our legitimate interests:
    • to enforce the terms of our Sites and Services;
    • manage our everyday business needs; and
    • provide aggregated and anonymized statistical data to third parties, including other businesses and members of the public, about how, when, and why Users visit our Sites and use our Services;
  • With Your consent: to respond to Your requests, for example, to contact You about a question You submitted to our customer service team. You can withdraw Your consent at any time and free of charge.  
  • We may also use information that we collect in aggregate form to further develop and improve the Sites and Services, and for our own business analyses that will allow us to make informed decisions.

V. Do We Share Personal Data?

We may share personal data or other information about You with others for the following reasons:

With other members of the MassPay corporate family: We may share Your Personal Data with members of the MassPay family of entities to among other things, provide the Services You have requested or authorized; to manage risk; to help detect and prevent potentially illegal and fraudulent acts and other violations of our policies and agreements; and to help us manage the availability and connectivity of products, Services, and communications.

With Payers. We may share Your Personal Data with Payers for processing payments and transactions or as legally required. You should consult with Your Payer to learn how Your Payer uses any Personal Data, as we have no control over Personal Data once it is disclosed to Your Payer.   

With other companies that provide services to us. We may share Personal Data with third-party service providers who assist us in managing, administering or delivering the Site or providing the Services.

With the other parties to transactions when You use the Services: We may share information with the other participants to Your transactions, including:

  • Personal Data necessary to facilitate the transaction; and
  • information to help other participant(s) resolve disputes and detect and prevent fraud, for example we may report device information, including if  we suspect that a device has been used in connection with a fraudulent or abusive transaction with us. 
  • With other third parties for our business purposes or as permitted or required by law: We may share information about You with other parties for MassPay’s business purposes or as permitted or required by law, including:
  • For the performance of a contract, such as where necessary to carry out payment services;
  • if we need to do so to comply with a law, legal process or regulations;
  • to law enforcement authorities or government officials, or other third parties pursuant to a subpoena, a court order or other legal process or requirement applicable to MassPay or MassPay’s corporate family:
  • if we believe, in our sole discretion, that the disclosure of Personal Data is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.
  • To protect the vital interests of a person;
  • To investigate violations of or enforce a user agreement or other legal Terms applicable to any Service;
  • to protect our property, Services and legal rights; 
  • to help assess and manage risk and prevent fraud against us, our Users and fraud involving our Sites or use of our Services, including fraud that occurs at or involves our business partners or other individuals;
  • to companies that we merge with or are acquired by; and
  • to support our audit, compliance, and corporate governance functions.

tAggregated Data: We may also share aggregated or non-personally identifiable Information, which cannot reasonably be used to identify you and which does not include Personal Data. For example, we may share certain transaction details such as amounts and zip codes in a pseudo-anonymous fashion to promote security and validity, and improvement of MassPay’s services.  

VI. How Do We Protect Your Personal Data?

We maintain technical, physical, and administrative security measures designed to provide reasonable protection for Your Personal Data against loss, misuse, unauthorized access, disclosure, and alteration. The security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. 

VII. International Transfers

Our operations are supported by a network of computers, cloud-based servers, and other infrastructure and information technology, including, but not limited to, third-party service providers.

The third parties mentioned above may be established in jurisdictions other than your own. These countries do not always afford an equivalent level of privacy protection. We have taken specific steps, in accordance with local data protection laws, to protect your Personal Data. Please note that MassPay may be required to disclose Personal Data if it is the subject of a lawful request by public authorities, including to meet local, state, or national security law enforcement requirements.

VIII. How do we use Cookies and Tracking Technologies?

When You use the Site or interact with the Services, we may use cookies and other tracking technologies (collectively, “Cookies”) to collect non-personal data. Cookies are small text files (typically made up of letters and numbers) placed in the memory of Your browser or device when You visit a website or view a message. Cookies allow a website to recognize a particular device or browser.

Our Cookies and similar technologies have different functions. We may use cookies or other technologies that are necessary to the operation of our Sites, Services, applications, and tools. This includes technologies that allow You access to our Sites, Services, applications, and tools; that are required to identify irregular site behavior, prevent fraudulent activity, facilitate transactions and improve security; or that allow You to make use of our functions. Certain aspects and features of our Services and Sites are only available through the use of Cookies, so if You choose to disable or decline Cookies through Your device or browser settings, Your use of the Sites and Services may be limited or not possible.

Where appropriate, security measures are set in place to prevent unauthorized access to our Cookies and similar technologies. A unique identifier ensures that only we and/or our authorized service providers have access to Cookie data. 

Service providers are companies that help us with various aspects of our business, such as Site operations, Services, applications, advertisements and tools. We may use some authorized service providers to help us to serve You relevant ads on our Services and other places on the internet. These service providers may also place Cookies on Your device via our Services (third-party Cookies). They may also collect information that helps them identify Your device, such as IP-address or other unique device identifiers.

IX.  What Privacy Choices are Available to You?

Choices Relating to Cookies

You may have options available to manage Your cookies preferences.   For example, Your browser or internet device may allow You to delete, disable, or block certain cookies and other tracking technologies. You can learn more by visiting AboutCookies.org. You may choose to enable these options but doing so may prevent You from using many of the core features and functions available on a Service or Site. 

Choices Relating to Registration and Account Information

If You use our Services, You generally may review and edit Personal Data by logging in and updating the information directly or by contacting us. Contact support@masspay.io. if You have questions about Your Account information or other Personal Data. Some of the Personal Data in Your profile may only be updated in Your Payer’s system.

Choices Relating to Communication

If You wish to unsubscribe from receiving email marketing communications from us, please opt-out via the unsubscribe link included in such emails, and we will stop sending You communications.  

We will continue to send communications to You that are required or necessary to send to Users of our Services, notifications that contain important information and other communications that You request from us. You may not opt out of receiving these communications. However, You may be able to adjust the media and format through which You receive these notices.

X. Can Children Use Our Services?

The Sites and Services are not directed to children under the age of 18.  If we obtain actual knowledge that we have collected Personal Data from a child under the age of 18, we will promptly delete it, unless we are legally obligated to retain such data. Contact us if You believe that we have mistakenly or unintentionally collected information from a child under the age of 18.

XI. Changes to this Privacy Policy

MassPay may revise this Privacy Policy from time to time to reflect changes to our business, the Sites or Services, or applicable laws. The revised Privacy Policy will be effective as of the published effective date.

If the revised version includes a substantial change, we will provide You with advance notice by posting notice of the change on our website.

XII.  Links to Third-Party Websites

We can not be responsible for the websites of third parties to which we provide links for Your convenience. We cannot endorse these websites or their privacy practices and this Privacy Policy does not apply to them. You should familiarize Yourself with the privacy policies provided by the owners of these third-party sites before submitting any Personal Data to them.

XIII.  How to Contact Us

MassPay Incorporated has offices located at 7000 East Shea Blvd. Suite E140, Scottsdale, Arizona, 85254.  We can be reached at support@masspay.io or you can call us at 605-269-0436.

XIV.  Definitions

Affiliates are typically classified as organizations or individuals who provide an endorsement, recommendation or promote the usage of the Site or Services. Affiliates may be paid a commission or other consideration for their endorsement or direct recommendation.

Personal Data means any information that can be associated with an identified or identifiable person. “Personal Data” can include name, home address, telephone number, personal email address, forwarding address (e.g. during a vacation), previous address(es), billing and account information (such as credit or debit card number, or bank account number), social security number, tax identification number, mailing preferences, delivery instructions, transaction history, IP address, and service preferences, as well as other information defined as non-public or private information pursuant to applicable law. Personal Data does not include information that does not identify a specific user.

Payer is generally defined as a bank, money service business, mobile wallet or other payment aggregator provider.  The entity that pays the consumer.

Process describes any method or way that we handle Personal Data or sets of Personal Data, whether or not by automated means, such as collection, recording, organization, structuring, storage, adaptation or alteration, retrieval, and consultation, disclosure by transmission, dissemination or otherwise making available, alignment or combination, restriction, erasure or destruction of Personal Data.

Reseller refers to an individual or organization who operates their own business, website, or services and in addition may offer to other entities the Site or Services. Resellers may offer similar or complementary services alongside the Site or Services while receiving financial consideration for their efforts.

Services means the online payment platform (MassPay), payment services and related functionality and technology.

Sites means the MassPay websites, mobile apps, official social media platforms, or other online properties through which MassPay offers the Services.

User means You or anyone else who has established a relationship with MassPay or otherwise uses the Services or accesses the Sites.

You or Your mostly refers to a Payee; however, You may also refer to a visitor to our Sites, a Payer, a third-party service provider, or an employee.

California Consumer Privacy Act Notice

In this notice, we are addressing specific disclosure requirements under the California Consumer Privacy Act of 2018 for California residents. This notice should be read together with MassPay’s Privacy Policy and applies to all California residents who visit our Sites or use the Services.

Personal Data Collection and Purposes of Use

We collect, use and share personal data regarding California residents as described in this notice.

We did not sell any consumers’ personal data in the preceding 12 months.

California Residents’ Privacy Rights

California residents have rights to request access to certain personal data collected about them over the past 12 months, or deletion of their personal data, subject to certain exceptions, and may not be discriminated against because they exercise their rights under the California Consumer Privacy Act. We may require you to provide additional personal data to verify your identity before we process your request; we may not process your request if we are unable to verify your identity.

You may contact us by clicking support@masspay.io, or by calling us at  605-269-0436.


In the preceding 12 months, we have collected the following categories of personal data from California residents:

We have collected such personal data from the following categories of sources:

We collected such personal data to use for the following purposes:

In the preceding 12 months, we shared personal data with the following categories of third parties:
a. Identifiers such as a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.from you (Payer or Payee) when you use our Site and Servicesservice providersoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskmarket to Payersprovide you with location- specific options, functionality, or offerscomply with our obligations and to enforce the terms of our Site and Servicesperformance of a contractrespond to your requestsmembers of the MassPay corporate familyservice providersfinancial institutionsparties to transactions when you use the Services, such as other users, merchants, and their service providersthird parties for our business purposes or as permitted or required by law
b. Personal data listed in California Customer Records statute, which may include: name, signature, social security number, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.from you (Payer or Payee) when you use our Site and Servicesservice providersoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskmarket to Payersprovide you with location- specific options, functionality, or offerscomply with our obligations and to enforce the terms of our Site and Servicesperformance of a contractrespond to your requestsmembers of the MassPay corporate familyservice providersfinancial institutionsparties to transactions when you use the Services, such as other users, merchants, and their service providersthird parties for our business purposes or as permitted or required by law
c. Personal data that is protected under California or federal law.from you (Payer or Payee) when you use our Site and Servicesmanage riskcomply with our obligations and to enforce the terms of our Site and Servicesmembers of the MassPay corporate familyservice providersthird parties for our business purposes or as permitted or required by law
d. Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.from you (Payer or Payee) when you use our Site and Servicesoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskmarket to Payersprovide you with location- specific options, functionality, or offerscomply with our obligations and to enforce the terms of our Site and Servicesrespond to your requestsmembers of the MassPay corporate familyservice providersfinancial institutionsparties to transactions when you use the Services, such as other users, merchants, and their service providersthird parties for our business purposes or as permitted or required by law
e. Internet or other electronic network activity information, including, but not limited to, browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.from you (Payer or Payee) when you use our Site and Servicesoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskmarket to Payersprovide you with location- specific options, functionality, or offerscomply with our obligations and to enforce the terms of our Site and Servicesperformance of a contractrespond to your requestsmembers of the MassPay corporate familyservice providersfinancial institutionsparties to transactions when you use the Services, such as other users, merchants, and their service providersthird parties for our business purposes or as permitted or required by law
f. Geolocation data.from you if you allow us to collect this informationservice providersoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskprovide you with location specific options, functionality, or offerscomply with our obligations and to enforce the terms of our Site and Servicesrespond to your requestsmembers of the MassPay corporate familythird parties for our business purposes or as permitted or required by law
g. Audio, electronic, visual, thermal, olfactory, or similar information.from you (Payer or Payee) when you use our Site and Servicesoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskcomply with our obligations and to enforce the terms of our Site and Servicesrespond to your requestsmembers of the MassPay corporate familyservice providersthird parties for our business purposes or as permitted or required by law
h. Inferences drawn from any of the information identified in this subdivision to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.from you (Payer or Payee) when you use our Site and Servicesoperate the Sites and provide Servicesmanage our business needs such as monitoring, analyzing, and improving the Services and Sites’ performance and functionalitymanage riskmarket to Payersrespond to your requestsmembers of the MassPay corporate familyservice providers