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Privacy Policy

Effective Date: March 3, 2026

Last Updated: March 3, 2026

This Privacy Policy explains how PawPay LLC ("PawPay," "we," "us," or "our") collects, uses, discloses, and protects information when you access or use our platform, website, mobile applications, APIs, SMS programs, payment facilitation services, and related services (collectively, the "Services").

By accessing or using the Services, you agree to this Privacy Policy.

1. Information We Collect

We collect information necessary to provide insurance reimbursement coordination and payment facilitation services.

Information You Provide

Depending on how you use the Services, we may collect:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Insurance carrier and policy information
  • Claim-related details and documentation
  • Bank account information for ACH transactions
  • Veterinary clinic or provider information
  • Pet information related to claims or transactions

Payment Information

Payment information may be processed by regulated third-party payment processors. PawPay may store secure, tokenized payment credentials but does not store full payment card numbers unless required for compliance or legal obligations.

Automatically Collected Information

When you use the Services, we may automatically collect:

  • IP address
  • Device type and browser information
  • Usage and interaction data
  • Cookies and similar tracking technologies

2. How We Use Information

We use information to:

  • Facilitate insurance claim payment coordination
  • Route and process payments
  • Provide transaction confirmations and account updates
  • Send SMS notifications (if you opt in)
  • Detect, prevent, and investigate fraud
  • Comply with applicable financial, sanctions, and regulatory requirements
  • Improve, maintain, and secure the Services
  • Enforce our Terms of Use

We may use aggregated or de-identified information for analytics and product improvement.

We do not sell personal information.

3. SMS & Electronic Communications

If you provide your mobile number and opt in, we may send:

  • Transactional SMS messages (such as payment updates or claim notifications)
  • Account alerts and fraud notifications
  • Promotional messages (only if separately consented)

Message frequency may vary. Message and data rates may apply.

You may opt out at any time by replying STOP.

We do not sell or share SMS opt-in data with third parties for their marketing purposes.

Electronic communications may also be delivered via email, in-app notifications, or website postings, consistent with our Terms of Use.

4. How We Share Information

We may share information with:

  • Insurance carriers involved in claim processing
  • Veterinary providers involved in transactions
  • Payment processors and financial institutions
  • Fraud prevention, compliance, and security service providers
  • Technology and infrastructure providers that support our platform
  • Legal authorities when required by law

We do not sell personal information to third parties.

We may also transfer information in connection with a merger, acquisition, restructuring, or sale of assets, subject to appropriate safeguards.

5. Financial, Sanctions & AML Compliance

To comply with applicable laws and regulations, PawPay may:

  • Screen users against sanctions lists (including OFAC)
  • Monitor transactions for fraud and anti-money laundering (AML) compliance
  • Retain records as required by financial and regulatory obligations

We may suspend or restrict transactions where required by law.

6. Data Security

We use commercially reasonable safeguards designed to protect information, including:

  • Encryption in transit
  • Secure payment tokenization
  • Access controls and authentication safeguards
  • Monitoring systems to detect suspicious activity

No system can be guaranteed to be completely secure.

7. Data Retention

We retain information for as long as necessary to:

  • Provide the Services
  • Complete transactions
  • Comply with financial, tax, and regulatory requirements
  • Resolve disputes and enforce agreements

Retention periods may vary depending on legal and operational requirements.

8. Your Privacy Rights

Depending on your state of residence, you may have rights under applicable privacy laws, including the right to:

  • Request access to your personal information
  • Request correction of inaccurate information
  • Request deletion of personal information

To exercise your rights, contact:

support@usepawpay.com

We may take reasonable steps to verify your identity before processing requests.

9. Children's Privacy

The Services are not directed to children under the age of 13, and we do not knowingly collect personal information from children.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised "Last Updated" date. Continued use of the Services after changes become effective constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or our data practices, contact:

PawPay LLC
support@usepawpay.com