Privacy Policy

This Privacy Policy is part of the Terms of Use (“Terms”) governing your use of: the “Ready” mobile application (the “App”), www.ReadyToPay.com (the “Website”), the online products or services which may be accessed therein, any Account you use to access the App or Website, and, if applicable, the provision of any hardware (“Hardware”) (collectively, the “Service”), all of which are offered by iQmetrix Software Development Corp., 250 Howe Street - Suite 1210, Vancouver, BC, Canada V6C 3R8 (“Ready”, “we”, “our” or "us").

All references to “user”, “you”, “your”, “Establishment” or “Patron”, mean the person and/or the company, organization, enterprise, establishment or business (the “Organization”) the person represents (including any successors and assigns thereof) that access and/or use the Service in any manner, as applicable. By accessing and using the Service, you hereby confirm that you have all necessary and legal authority to bind the Organization. Your acceptance of this Privacy Policy will be deemed acceptance by the Organization of this Privacy Policy, if applicable.  Any terms capitalized herein but not defined will have the meanings ascribed to them in the Terms.

You must be at least eighteen (18) years old to use the Service.  We desire to protect any personal and financial information you choose to provide us as described in this Privacy Policy, the terms of which you accept by using the Service, downloading the App and/or accessing the Website.

 

Information We Collect

Registration, Payment and Personal Information from Patrons. As a Patron, the App requires you to enter information including your name, phone number, e-mail address, passwords and security question responses etc., and payment information such as your credit card number, expiration date and billing address (“Payment Information”) to settle, pay for or close (“Settle”) a check, bill, tab, owed payment or other transaction (each a “Transaction”) with other users (each, an “Establishment”), including but not limited to restaurants or bars.  Should you create an Account via a social media account, we may obtain the name, user name, profile picture, e-mail address, and other disclosed demographics associated with that account.  Additionally, when users are requesting and performing various activities on the Service, you may provide us personal information that will facilitate our effective response to those requests, including items such as dietary information, food allergies and preferences (along with preceding items in this paragraph, “Personal Information”).

Registration Information from Establishments. As an Establishment, we will require you to enter information including your Organization name, address, POS type, logo, and phone number.

Technical Information.  When you access the Service, the Service may record information transmitted, including access times, Internet Protocol (IP) addresses and browser used.  We may also use "cookies" or "web beacons" (certain small data files stored on your computer that collect information about visits and usage, retain user preferences and account settings, and may improve the customization and efficiency of your recurring experience with the Service).  If you set your browser to not accept cookies, your experience of the Website might accordingly be different and less efficient.  We may also obtain technical information from your device, including your unique device identifiers, hardware model, operating system and version, mobile network information, and information about the device's interaction with our services.  We may also identify other software running on the device for anti-fraud and malware-prevention purposes, but will not collect any content from it.  The “Technical Information” described in this paragraph is non-demographic and is not, in and of itself, personally identifiable.  We therefore consider it Blind Data, as that term is defined below.  We may use this Technical Information to, for example, improve users’ Website experience or block users who violate this Privacy Policy or the Terms.

Location-Based Information.  When you use the App, we will collect location-based information (“LBI”) from you, such as identifying locations where you activate the App, check into an Establishment, or make a Ready transaction.  We may use LBI to provide you listings of nearby Establishments, targeted coupons, special offers, etc.  Certain App functions may be dependent on LBI, and your withholding of LBI may prevent or materially limit the App's functionality.  You are able to discontinue providing LBI.  If you initially consent to our collection of LBI, you can subsequently stop it at any time by changing the preferences on your mobile device or following the standard uninstall process to remove the App from your device.

Transaction Data.  We may collect information related to your use of the Service, including Establishments you patronize, Transactions enabled by Service and related Transaction information, including item descriptions, price, tax and tip amounts (“Transaction Data”).  Transaction Data may include information about the other users with whom you go to Establishments or use the App.

 

Use of Information

Permitted Uses.  Personal Information, Technical Information, LBI and Transaction Data are collectively referred to as “Information.”  We only collect and process Information submitted to us through the Service for the purposes described in this Privacy Policy or the Terms, including:  identity verification; fraud and abuse prevention; performing functions to Settle and process Transactions, provide receipts, etc.; advertising; delivering marketing communications from Establishments and other third parties; promotions, rewards or contests; loyalty program administration; research, analysis of usage, and development of new services or content; improvement of the services offered; feedback surveys; provision of technical notices, security alerts, and support and administrative messages; our internal business purposes; and to protect our rights, your rights and the rights of other users.  Information includes data we collect through the Service, even if you have not signed up for an Account or downloaded the App.

Blind Data.  We may use compiled and analyzed Information to monitor and improve the Service, including the generation of non-personally identifiable, non-demographic aggregated information and usage statistics (“Blind Data”).  You hereby grant to us a non-exclusive, transferable, sublicenseable, royalty-free license to use Information we collect from you to generate Blind Data.  If we collect or generate Blind Data, it will be owned by us and we may use it for any lawful business purpose without further consideration. 

 

Information Sharing

  1. Unless we have your consent or as stated in this Privacy Policy, we do not share any of your Information.
  2. We may share Patron Information with Establishments, including certain Personal Information, LBI and Transaction Data (but excluding Payment Information), to improve their products and services, and to provide in-App offers and discounts.
  3. We may share certain of your Personal Information, LBI, and Transaction Data (excluding Payment Information) with third-party food and beverage brands (“Brands”) offering products and services at Establishments that provide you targeted offers and discounts.
  4. We utilize Stripe to process credit card transactions, therefore, as a Patron, when you Settle a Transaction via the Service, the Service will automatically transmit your tokenized Payment Information to Stripe. Through this process, this information may be provided to financial institutions, processors, payment card associations, and other entities that are part of the payment or transfer process including Stripe, and your Payment Information may be transferred, processed and stored outside of Canada or the United States on servers in Canada, the United States, or other countries, and may be subject to disclosure as required by applicable law. Stripe may also collect other information directly from you via cookies or other means. Please see the Stripe Privacy Policy for additional information:  https://stripe.com/ca/privacy (Canada). Processing may involve evaluation of card suspension or cancellation, and payment and balance data.  We will not access, decrypt or store your Payment Information during these transmissions.
  5. We may also provide Information to our agents, technology vendors and contractors on a “need-to-know” basis for the purpose of providing the App.  They are required to keep the Information confidential, and may not use it for any purpose other than to perform services for us or as otherwise required by law.
  6. We may submit any information we have regarding an alleged violation of law involving the App or Website to law enforcement, or to other governmental or regulatory entities (including pursuant to a subpoena, court order, or other legal process; or upon reasonable belief that a violation of applicable law has occurred).  We may also submit such information as is required to establish our legal rights or defend against legal claims.
  7. We may assign and transfer the Information to a third-party successor-in-interest in connection with, or in negotiation of:  a merger, acquisition, sale of substantially all our assets or stock, or similar change-in-control transaction; a financing event; or a bankruptcy or dissolution proceeding.
  8. Should you obtain Information of another user of the App or Website, you are expressly forbidden from sharing such Information unless you have express written consent from that user.

 

Information Security

We use commercially reasonable efforts to protect Information via maintenance of standard physical, electronic, and procedural safeguards.  Despite our actions and precautions, no Internet data transmissions are completely secure, and they are subject to theft, fraud, destruction, alteration, disclosure, unauthorized access and other misuse.  Some potential features you use, such as messaging and e-mail, inherently share Information that can be collected and used by others.

The security of your Account depends on you performing your responsibility to control access to your devices and applications, including maintaining physical possession of your device, and keeping your passwords and PINs confidential and not sharing them with anyone.  It is also your responsibility to alert us if you believe the security of information in the Website or App has been compromised.

You agree that there is risk involved in your transmission of Information to us, some of which is unavoidable and may be (a) incurred via occurrences out of our control, or (b) inherent in all like Internet transmissions.  To the greatest extent permissible under applicable law, we are not responsible for the security or privacy of any Information you choose to submit to us.

 

Third-Party Websites and Technologies

We are not responsible for the privacy and data security practices, or the content or services, of third-party websites and services, including those to which you may elect to link from our systems.  You must review the privacy policies and terms of use of these other websites to understand their business practices.  We may employ third-party technologies (such as Google Analytics) that are governed by their own privacy and data security practices.  This Privacy Policy does not cover the information practices of third parties who may collect your information, nor do we assume any liability for them.  If you have an issue with a third party, including any payment vendor, you must contact that third party directly.

 

Retention and Disposal of Personal Information

We retain Information to provide, maintain, and augment the Service, and to comply with legal requirements and standard business practices.  We retain Information for as long as (a) we have a business need, or (b) applicable laws, regulations, or government orders require.  When we dispose of Information, we use reasonable procedures to erase or render it unreadable (for example, shredding documents and wiping electronic media).  We may retain Blind Data for so long as it is relevant to our business model, in our discretion.

 

General Provisions

 

Privacy of Children

We do not knowingly collect Personal Information from children under the age of 13.  If we learn that we have inadvertently done so, we will take commercially reasonable steps to delete that Personal Information.  If you fail to secure your device and credentials, your Ready account could be used by minors without your or our knowledge.  Any Personal Information collected as a result of such usage will be associated with the subject adult accountholder, and will be treated accordingly under this Privacy Policy.

Enforcement

If you violate our Privacy Policy or other terms of use, we may prevent you from using the Service.  If you believe another person has committed such a violation, contact us via the customer care contact information we provide on the Website.

International Transfers

Information collected through the Service may be stored and processed in Canada or the United States or any other country (“Transfer Country”)  in which we, or our affiliates, subsidiaries, agents or contractors, maintain facilities.  By using the Service, you consent to any such foreign transmission, including an express consent to your Personal Information being transferred, to, stored, in and accessed from a Transfer Country that differs from the country where you reside and/or utilize the Service.

Updating Your Information. You may update or correct Information about yourself or your Organization by logging into your Account at any time or by emailing us at account@ReadyToPay.com. You may also email us if you wish to deactivate your Account. We may retain archived copies of information about you and your transactions for a period of time that is consistent with applicable law.

Changes to this Privacy Policy. This Privacy Policy will change from time to time to maintain compliance with applicable law and regulations.  We reserve the right to modify this Privacy Policy at any time in our sole discretion by posting the most recent version (which shall supersede any other version) within the App and on the Website.  Your continued use of the Website or App following posting of these changes constitutes acceptance of the terms as they exist at the time of your usage.