Privacy Policy
Effective Date: January 24, 2025
At VAYL, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our donation-centric spending platform and services.
By using VAYL, you agree to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
Information We Collect
Personal Information
When you register for a VAYL account, we collect information such as your name, email address, phone number, date of birth, and residential address. This information is necessary to create and maintain your account.
Financial Information
To facilitate transactions and donations, we collect payment card information, bank account details, and transaction history. This data is processed securely through our payment partners and is subject to strict security protocols.
Usage Data
We automatically collect information about how you interact with our services, including device information, IP address, browser type, pages visited, and the time and date of your visits. This helps us improve our services and user experience.
Identity Verification Data
For regulatory compliance and security purposes, we may collect government-issued identification documents, biometric data through Vayl ID, and other verification information required by law.
How We Use Your Information
We use the information we collect for the following purposes:
- To provide, maintain, and improve our services
- To process your transactions and facilitate donations to charitable campaigns
- To verify your identity and prevent fraud
- To communicate with you about your account, transactions, and service updates
- To personalize your experience and provide relevant campaign recommendations
- To comply with legal obligations and regulatory requirements
- To analyze usage patterns and improve our platform's functionality
- To send you marketing communications (with your consent)
Information Sharing and Disclosure
We may share your information in the following circumstances:
Service Providers
We work with third-party service providers who perform services on our behalf, such as payment processing, identity verification, data analytics, and customer support. These providers have access to your information only to perform specific tasks and are obligated to protect it.
Charitable Organizations
When you make donations through VAYL, we share necessary information with the charitable organizations you support, including your name and donation amount, unless you choose to donate anonymously.
Legal Requirements
We may disclose your information when required by law, court order, or other legal processes, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Business Transfers
If VAYL is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.
Data Security
We implement industry-standard security measures to protect your personal information, including:
- End-to-end encryption for sensitive data transmission
- Secure storage with encryption at rest
- Regular security audits and vulnerability assessments
- Access controls and authentication mechanisms
- Employee training on data protection and privacy
- Compliance with PCI DSS standards for payment card data
While we strive to use commercially acceptable means to protect your information, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
- Access: Request a copy of the personal information we hold about you
- Correction: Request correction of inaccurate or incomplete information
- Deletion: Request deletion of your personal information, subject to legal obligations
- Portability: Request transfer of your data to another service provider
- Opt-out: Opt out of marketing communications at any time
- Restriction: Request restriction of processing of your personal information
- Objection: Object to processing of your personal information for certain purposes
To exercise any of these rights, please contact us at privacy@vayl.me. We will respond to your request within 30 days.
Cookies and Tracking Technologies
We use cookies and similar tracking technologies to enhance your experience on our platform. Cookies are small data files stored on your device that help us remember your preferences and understand how you use our services.
Types of cookies we use:
- Essential Cookies: Required for basic platform functionality
- Performance Cookies: Help us analyze usage and improve performance
- Functional Cookies: Remember your preferences and settings
- Marketing Cookies: Track your activity to provide relevant advertisements
You can control cookies through your browser settings, but disabling certain cookies may limit your ability to use some features of our services.
Children's Privacy
VAYL is not intended for use by individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately, and we will take steps to delete such information.
International Data Transfers
Your information may be transferred to and processed in countries other than your country of residence. These countries may have different data protection laws than your country. When we transfer your information internationally, we implement appropriate safeguards to protect your data in accordance with applicable laws.
Data Retention
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When we no longer need your information, we will securely delete or anonymize it.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Effective Date" at the top.
We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our services after any changes constitutes your acceptance of the updated policy.
Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Additional Rights for California Residents
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):
- Right to know what personal information is collected, used, shared, or sold
- Right to delete personal information held by businesses
- Right to opt-out of sale of personal information (VAYL does not sell personal information)
- Right to non-discrimination for exercising your CCPA rights
Additional Rights for EU and UK Residents
If you are located in the European Union or United Kingdom, you have additional rights under the General Data Protection Regulation (GDPR), including the rights listed in the "Your Privacy Rights" section above. You also have the right to lodge a complaint with your local data protection authority.