Effective Date: January 5, 2025

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1. PURPOSE OF THIS PRIVACY POLICY

This Privacy Policy explains how Respaid (“we,” “us,” or “our”) collects, uses, and shares personal information (“Personal Data”) of individuals (“Users”) who visit the Respaid website, located at https://respaid.com (the “Site”), or use the services described in our Terms of Use (the “Services”). By accessing the Site or using the Services, you agree to this Privacy Policy and our Terms of Use.

Please note that this Privacy Policy does not apply to websites, applications, or services of third parties that may link to or from our Site or Services. We encourage you to review the privacy policies of those third parties before providing any information to them.

If you have any questions or comments about this Privacy Policy, please contact us at: contact@respaid.com

2. SCOPE & UPDATES

We may update this Privacy Policy at any time to reflect changes in our business, legal requirements, or industry best practices. When we update this Privacy Policy, we will post the revised version on this page and revise the “Effective Date” above. Any changes will become effective immediately upon posting. If you do not agree with the updated policy, please discontinue using our Site and Services.

3. INFORMATION WE COLLECT

We collect Personal Data and other information from you in a variety of ways, including:

3.1 Information You Provide Directly

• Account Information: When you open an account on the Site, we collect information such as your name, email address, and phone number.
• Correspondence: If you contact us by email or otherwise, we may keep a record of your correspondence.

3.2 Information Automatically Collected

• Device and Usage Information: We may automatically collect information about your device, including IP address, browser type, operating system, language settings, and the date and time you visit the Site.
• Cookies and Similar Technologies: We use cookies (small text files stored on your device) and similar technologies to collect information about your interactions with the Site (e.g., pages viewed, links clicked). Please see Section 10 (Cookies and Similar Technologies) below for more details.

3.3 Information About Debtors

• If you are a User who provides us with information about debtors (for invoicing or debt recovery purposes), we may receive personal details of those individuals. By providing debtor data to us, you represent that you have the lawful right to do so.

Our Site and Services are intended for individuals at least 18 years old; we do not knowingly collect Personal Data from minors. We also do not knowingly collect sensitive information (e.g., race, health, sexual orientation, ethnic origin, political opinions, religious beliefs).

4. HOW WE USE YOUR INFORMATION

We use the information we collect for the following purposes:

1. To Provide and Improve Our Services
   • Facilitate your access to and use of the Site and Services.
   • Manage and process any transactions, as applicable.
   • Analyze usage trends to improve our Site and Services.
2. To Communicate with You
   • Respond to your inquiries and requests.
   • Send you information, newsletters, updates, or marketing communications, where legally permissible and in accordance with your communication preferences.
3. To Protect Our Rights and Those of Others
   • Comply with applicable laws, regulations, and legal processes.
   • Enforce our Terms of Use and other agreements.
   • Detect, investigate, and prevent fraud or other unauthorized activities.

5. HOW WE SHARE YOUR INFORMATION

We do not sell your Personal Data to third parties for their direct marketing purposes. We may share your information in the following circumstances:

1. Service Providers
   We may share your information with trusted third-party vendors who perform services on our behalf (e.g., payment processors, hosting providers, analytics services). These providers have access to your information only to perform tasks for us and are obligated not to disclose or use it for any other purpose.
2. Legal Compliance and Protection
   We may disclose Personal Data if required to do so by law, or if we believe such action is necessary to:
   • Comply with a legal obligation or regulatory requirement.
   • Protect and defend our rights or property, or the rights or property of our Users or third parties.
   • Prevent or investigate wrongdoing in connection with our Site or Services.
3. Business Transfers
   If we are involved in a merger, acquisition, reorganization, or sale of assets, your information may be transferred as part of that transaction.

6. DATA RETENTION

We retain Personal Data only as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law or is necessary to protect our legal interests.

• Debtor Data: Debtor data transmitted to us is automatically deleted after 12 months. Additionally, if we receive a written request (e.g., via email) to delete debtor data, we will make every effort to remove it without undue delay.
• Other User Data: Account details and related data are retained only as necessary for legitimate business reasons or to comply with legal obligations.

7. YOUR PRIVACY RIGHTS

Depending on your jurisdiction, you may have certain rights regarding your Personal Data. For example, if you reside in California, you may have rights under the California Consumer Privacy Act (CCPA) or the California Privacy Rights Act (CPRA), such as:

• Right to Know: You may request information about the categories and specific pieces of Personal Data we have collected about you.
• Right to Delete: You may request that we delete Personal Data we have collected from or about you, subject to certain exceptions.
• Right to Correct: You may request that we correct any inaccurate Personal Data we hold about you.
• Right to Opt Out of Sale/Sharing: We do not sell Personal Data for monetary consideration.
• Right to Non-Discrimination: We will not discriminate against you for exercising these rights.

To exercise these rights or any other applicable rights, please contact us at contact@respaid.com with “Privacy Request” in the subject line. We may ask you to verify your identity before responding. We will respond within the timeframe required by applicable law.

8. DATA SECURITY

We maintain reasonable administrative, technical, and physical safeguards to protect against unauthorized access, use, alteration, and disclosure of the Personal Data we hold. However, no data transmission or storage system can be guaranteed 100% secure.

If we become aware of a data breach that affects the security of your Personal Data, we will notify affected individuals and any relevant authorities in accordance with applicable legal requirements.

9. INTERNATIONAL DATA TRANSFERS

We primarily process and store your Personal Data in the United States (e.g., in California). If you access the Site or Services from outside the United States, you acknowledge that your Personal Data may be transferred to, and processed in, the United States.

10. COOKIES AND SIMILAR TECHNOLOGIES

We use cookies and similar technologies to:

• Recognize and authenticate you when you visit our Site.
• Facilitate navigation and personalize your experience.
• Analyze Site usage to improve performance.

You can control cookies through your browser settings. If you disable cookies, some features of our Site or Services may not function properly.

11. THIRD-PARTY LINKS

Our Site or Services may contain links to third-party websites or services that we do not operate or control. We are not responsible for the privacy practices of such third parties. We encourage you to read the privacy policies of any third-party websites or services you visit.

12. CONTACT US

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Respaid
Address: 490 Post StreetSan Francisco, CA
Email: contact@respaid.com

13. GOVERNING LAW & DISPUTE RESOLUTION

This Privacy Policy, and any disputes arising out of or related to it, shall be governed by the laws of the State of California, without regard to its conflict of laws principles. Any dispute relating to this Privacy Policy shall be brought in the state or federal courts located in California, and you consent to the jurisdiction of such courts.