Privacy Policy

Alternative Finance, Inc. (“Alternative”, “we”, “us” and “our”) respects your privacy and is committed to protecting it through our compliance with this policy.

This policy describes the types of information we may collect from you or that you may provide when you visit the website https://www.alternativepayments.io (the “Site“) and our practices for collecting, using, maintaining, protecting, and disclosing that information.

This policy applies to information we collect:

• On this Site.
• In email, text, and other electronic messages between you and this Site.
• When you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.

It does not apply to information collected by:

• Us offline or through any other means, including on any other website operated by Alternative or any third party; or
• Any third party, including through any application or content (including advertising) that may link to or be accessible from or on the Site.

Please read this policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, your choice is not to use our Site. When you provide us with personal information after having been made aware of this policy, we assume that you agree that we will handle it as described in this privacy policy. This policy may change from time to time (see Changes to Our Privacy Policy). Please check the policy periodically for updates.

We collect several types of information from and about users of our Site, including information:

• By which you may be directly or indirectly identified, such as name, postal address, e-mail address, telephone number, and any other identifier by which you may be contacted online or offline (“personal information“);
• That is about you but individually does not identify you; and
• About your internet connection, the equipment you use to access our Site, and usage details.

We may collect this information:

• Directly from you when you provide it to us.
• Automatically as you navigate through the site. Information collected automatically may include usage details, IP addresses, and information collected through cookies, web beacons, and other tracking technologies.
• From third parties, for example, our business partners.

Information You Provide to Us 

The information we collect on or through our Site may include:

• Information when you create an account, such as name, company name, email address, telephone number, professional details, and other profile information you choose to provide, including information you provide by “linking” to other sources or uploading documents. We may also collect economic and financial data including your percentage of ownership in the company (if relevant) and information which we collect for purposes of fraud prevention. With your consent, we may also collect information required to connect with and collect information related to the Site from your business’ accounting software, recurring revenue subscription software, business’ bank account information and other software services.
• Other information that you provide by filling in forms on our Site. This includes information provided at the time of registering to use our Site or requesting further services. We may also ask you for information when you report a problem with our Site.
• Records and copies of your correspondence (including email addresses), if you contact us.

Information We Collect Through Automatic Data Collection Technologies  

As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Site.
• Information about your computer and internet connection, including your IP address, operating system, and browser type.

The information we collect automatically may be maintained or associated with personal information we collect in other ways or receive from third parties. Depending on your user preferences, it helps us to improve our Site and to deliver a better and more personalized service, including by enabling us to:

• Estimate our audience size and usage patterns.
• Store information about your preferences, allowing us to customize our Site according to your individual interests.
• Speed up your searches.
• Recognize you when you return to our Site.

The technologies we use for this automatic data collection may include:

• Cookies (or browser cookies). A cookie is a small file placed on the hard drive of your computer. You may refuse to accept browser cookies by activating the appropriate setting on your browser. However, if you select this setting you may be unable to access certain parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site.
• Flash Cookies. Certain features of our Site may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on our Site. Flash cookies are not managed by the same browser settings as are used for browser cookies. For information about managing your privacy and security settings for Flash cookies, see Choices About How We Use and Disclose Your Information.
• Web Beacons. Pages of our the Site and our e-mails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit Alternative, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).

From Third Parties

• We may obtain information about you from other sources, including through third-party services and organizations. For example, if you access our Services through a third-party application, such as an app store, a third-party login service, or a social networking site, we may collect information about you from that third-party application that you have made available via your privacy settings, or if, as part of signing up for our services, you link, integrate, or otherwise grant us access to other platforms. In addition, we may also collect information contained in a credit report from a consumer reporting agency or from other public information databases such as fraud and OFAC reporting sources and Companies House.

We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:

• Tracking Technologies and Advertising. You can accept, decline or manage cookies via our cookie banner. You can also set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, please note that some parts of this site may then be inaccessible or not function properly.

We do not control third parties’ collection or use of your information to serve interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way. You can also opt out of receiving targeted ads from members of the Network Advertising Initiative (“NAI“) on the NAI’s website.

California residents may have additional personal information rights and choices.

We use information that we collect about you or that you provide to us, including any personal information:

• To present our Site and its contents to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it.
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us.
• To notify you about changes to our Site or any products or services we offer or provide though it.
• In any other way we may describe when you provide the information.
• For any other purpose with your consent.

We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

We may disclose personal information that we collect or you provide as described in this privacy policy:

• To our subsidiaries and affiliates.
• To contractors, service providers, and other third parties we use to support our business.
• To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Alternative’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by Alternative about our Site users is among the assets transferred.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• With your consent.

We may also disclose your personal information:

• To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• To enforce or apply our terms of use and other agreements.
• If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Alternative, our customers, or others.

We currently store personal information on our servers or those of our service providers, primarily located in the United States and Canada. This means that we may disclose personal information to regions other than your country or province of residence, and that other governments or law enforcement and national security authorities may have access to it according to the laws of those regions.

We may keep your personal information for as long as necessary to fulfil the purposes for which it was collected, including to comply with legal, regulatory, tax, accounting, or reporting requirements. The length of time we retain your data will depend on the nature of the information and the reason for its collection. In some cases, we may retain your personal information for a longer period if required by law or to resolve disputes and enforce our agreements.

Once your personal information is no longer needed for these purposes, we will securely delete, or otherwise dispose of it in accordance with applicable laws and our internal policies.

We use a variety of measures to help protect your information from loss, theft, and unauthorized access or disclosure. For example, we use secure servers and encryption to safeguard data when it is being transmitted over the internet. Access to your information is limited to employees, contractors, and service providers who need it to do their jobs, and they are required to follow strict confidentiality obligations.

We also use firewalls, password protection, and regular security reviews to help keep our systems safe. Our staff receive training on privacy and security best practices to ensure your information is handled with care. While we do our best to protect your personal information, please remember that no method of transmission or electronic storage is completely secure. If you have concerns about the security of your information, please contact us at the Contact Information below.

Our Site is not intended for children under 18 years of age. No one under age 18 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 18. If you are under 18, do not use or provide any information on this Site or through any of its features, register on the Site, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 18 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 18, please contact us at the Contact Information below.

California and Canadian residents under 18 years of age may have additional rights regarding the collection and sale of their personal information.

Depending on where you are located, you may have different privacy rights. Generally, you have the following rights:

• The right to access personal information we hold about you.
• The right to correct inaccurate or incomplete personal information we hold about you. If any of your information is outdated or obsolete, or if required by law, you may request that we delete it.
• The right to withdraw your consent to our use and disclosure of your personal information. In most cases, withdrawing your consent means that we will no longer be able to offer you certain services. Otherwise, we will inform you of the consequences of your request in our response.

To exercise your rights, please contact our Privacy Officer. We may ask you to provide proof of identity before responding to your request.

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information. To learn more about your California privacy rights, visit https://oag.ca.gov/privacy/ccpa.

It is our policy to post any changes we make to our privacy policy on this page with a notice that the privacy policy has been updated on the Site home page. The date the privacy policy was last revised is identified at the top of the page. You are responsible for ensuring we have an up-to-date active and deliverable email address for you, and for periodically visiting our Site and this privacy policy to check for any changes.

To ask questions or comment about this privacy policy and our privacy practices, contact our Privacy Officer at:

Email: contact@alternativepayments.io

Address: 59 West 12th Street, NY, NY 10011