Privacy Policy

Last updated: May 16, 2024

This Privacy Policy includes important information about your personal data and we encourage you to read it carefully.

Welcome

At Digit Simplified Solutions Inc. ("Digit Simplified Solutions," "we," "our," or "us"), we provide digital infrastructure for the internet through our product, Biz-Ex. Individuals and businesses of all sizes use our technology and services to facilitate transactions, accept payments, send payouts, and manage online operations.

This Privacy Policy (“Policy”) outlines the Personal Data we collect, how we use and share it, and details on how you can reach out to us with privacy-related inquiries. Additionally, the Policy outlines your rights as a data subject and the choices you have, including the right to object to certain uses of your Personal Data by us. For further information about our privacy practices, please refer to our Privacy Center.

Definitions

  • "Personal Data" refers to any information associated with an identified or identifiable individual, which can include data that you provide to us, and we collect about you during your interaction with our Services (such as device information, IP address, etc.).
  • "Services" refer to the products and services provided by Digit Simplified Solutions Inc. under the Biz-Ex brand. This includes devices and applications provided by Digit Simplified Solutions.
  • "Financial Partners" are financial institutions, banks, and other partners such as payment method acquirers, payout providers, and card networks that we partner with to provide the Services.
  • "End User" refers to an individual using Biz-Ex for personal use.
  • "End Customer" refers to an individual who engages in a transaction with a Business User, but is not directly transacting with Digit Simplified Solutions.
  • "Representative" refers to an individual acting on behalf of an existing or potential Business User.
  • "Visitor" refers to an individual interacting with Digit Simplified Solutions by visiting a Site without being logged into a Biz-Ex account.

1. Personal Data that we collect and how we use and share it

Our collection and use of Personal Data differs based on whether you are an End User, End Customer, Representative, or Visitor, and the specific Service being utilized.

1.1 End Users

We provide End User Services when we provide the Services directly to you for your personal use.

a. Personal Data we collect about End Users

Using Biz-Ex. When you sign up for Biz-Ex, you agree to store your Personal Data (such as name, contact information, payment method details) with us. This will allow for a more streamlined experience when using Biz-Ex in the future. If you choose to pay with Biz-Ex, we will also collect Transaction Data associated with your transactions.

b. How we use and share Personal Data of End Users

Services. We use and share your Personal Data to provide the End User Services to you, which includes support, personalization, and communication about our End User Services. For example, we may use cookies and similar technologies or the data you provide to our Business Users to recognize you and help you use Biz-Ex when visiting our Business User’s website.

Our Business Users. When you use Biz-Ex to make payments, we share your Transaction Data with the Business Users you choose to do business with. Furthermore, when you opt to connect your bank account with us, you can also direct us to share your account information with Business Users you do business with. Please note that these Business Users have their own privacy policies, which should describe how they use the information shared with them.

Fraud Detection and Loss Prevention. We use your Personal Data collected across our Services to detect fraud and prevent financial losses for you, us, and our Business Users and Financial Partners, including detecting unauthorized purchases.

Advertising. We may use your Personal Data to assess your eligibility for, and offer you, other End User Services or promote existing End User Services. Where allowed by law, we use and share End User Personal Data with others so that we may market our End User Services to you, including through interest-based advertising.

1.2 End Customers

Digit Simplified Solutions provides various Business Services to our Business Users, which include in-person or online checkout payment processing or processing payouts for those Business Users. When acting as a service provider—also referred to as a data processor—for a Business User, we process End Customer Personal Data in accordance with our agreement with the Business User and the Business User's lawful instructions. This happens, for example, when we process a payment for a Business User because you purchased a product from them, or when the Business User asks us to send you funds.

Business Users are responsible for ensuring that the privacy rights of their End Customers are respected, including obtaining appropriate consents and making disclosures about their own data collection and use associated with their products and services. If you're an End Customer, please refer to the privacy policy of the Business User you're doing business with for its privacy practices, choices, and controls.

a. Personal Data we collect about End Customers

Transaction Data. If you're an End Customer making payments to, receiving refunds from, initiating a purchase or donation, or otherwise transacting with our Business User, whether in-person or online, we receive your Transaction Data. We may also receive your transaction history with the Business User. Additionally, we may collect information entered into a checkout form even if you opt not to complete the form or transact with the Business User.

Identity/Verification Information. We provide a verification and fraud prevention Service that our Business Users can use to verify Personal Data about you, such as your authorization to use a particular payment method. During the process, you’d be asked to share with us certain Personal Data (like your government ID and selfie for biometric verification, Personal Data you input, or Personal Data that is apparent from the physical payment method like a credit card image).

b. How we use and share Personal Data of End Customers

To provide our Business Services to our Business Users, we use and share End Customers' Personal Data with them. Where allowed, we also use End Customers' Personal Data for Digit Simplified Solutions’ own purposes such as enhancing security, improving and offering our Business Services, and preventing fraud, loss, and other damages.

Payment processing and accounting. We use your Transaction Data to deliver Payment-related Business Services to Business Users, including online payment transactions processing, sales tax calculation, invoice and bill Certainly! Here is the continuation and completion of the HTML code using the provided theme: handling, and helping them determine their revenue, settle their bills, and execute accounting tasks.

Financial services. Certain Business Users leverage our Services to offer financial services to their End Customers. For example, a Business User might use our Services to offer installment payments or other financial products. In such cases, we will use and share your Personal Data with the Business User and/or Financial Partners to provide these services.

Our Business Users (and their authorized third parties). We share End Customers' Personal Data with their respective Business Users and parties directly authorized by those Business Users to receive such data.

Advertising by Business Users. If you initiate a purchasing process with a Business User, the Business User receives your Personal Data from us in connection with our provision of Services even if you don't finish your purchase. The Business User may use your Personal Data to market and advertise their products or services, subject to the terms of their privacy policy.

1.3 Representatives

We collect, use, and share Personal Data from Representatives of Business Users (for example, business owners) to provide our Business Services.

a. Personal Data we collect about Representatives

Registration and contact information. When you register for a Biz-Ex account for a Business User, we collect your name and login credentials. If you register for or attend an event organized by Digit Simplified Solutions or sign up to receive communications, we collect your registration and profile data.

Identification Information. As a current or potential Business User, an owner of a Business User, or a shareholder, officer, or director of a Business User, we need your contact details, such as name, postal address, telephone number, and email address, to fulfill our Financial Partner and regulatory requirements, verify your identity, and prevent fraudulent activities and harm to the Digit Simplified Solutions platform. We collect your Personal Data, such as ownership interest in the Business User, date of birth, government-issued identity documents, and associated identifiers, as well as any history of fraud or misuse, directly from you and/or from third parties such as credit bureaus.

b. How we use and share Personal Data of Representatives

Business Services. We use and share Representatives’ Personal Data with Business Users to provide the Services requested by you or the Business User you represent.

Fraud detection and loss prevention. We use Representatives’ Personal Data to identify and manage risks that our Business Services might be used for fraudulent activities causing losses to Digit Simplified Solutions, End Users, End Customers, Business Users, Financial Partners, and others.

Advertising. Where allowed by applicable law, we use and share Representatives’ Personal Data with third parties so we can advertise and market our Services.

1.4 Visitors

We collect, use, and share the Personal Data of Visitors.

a. Personal Data we collect about Visitors

When you browse our Sites, we receive your Personal Data, either provided directly by you or collected through our use of cookies and similar technologies. See our Cookie Policy for more information. If you opt to complete a form on the Site or third-party websites where our advertisements are displayed (like LinkedIn or Facebook), we collect the information you included in the form. This may include your contact information and other information pertaining to your questions about our Services. We may also associate a location with your visit.

b. How we use and share Personal Data of Visitors

Personalization. We use the data we collect from cookies and similar technologies about you to measure user engagement with the content on the Sites, improve relevancy and navigation, customize your user experience (such as language preference and region-specific content), and curate content about Digit Simplified Solutions and our Services that's tailored to you.

Advertising. Where allowed by applicable law, we use and share Visitors’ Personal Data with third parties so we can advertise and market our Services. Subject to applicable law, including any consent requirements, we may advertise through interest-based advertising and track the efficacy of such ads. We do not transfer your Personal Data to third parties in exchange for payment. However, we may provide your data to third-party partners, like advertising partners, analytics providers, and social networks, who assist us in advertising our Services.

Engagement. As you interact with our Sites, we use the information we collect about and through your devices to provide opportunities for further interactions, such as discussions about Services or interactions with chatbots, to address your questions.

2. More ways we collect, use, and share Personal Data

In addition to the ways described above, we also process your Personal Data as follows:

a. Collection of Personal Data

Online Activity. Depending on the Service used and how our Business Services are implemented by the Business Users, we may collect information related to:

  • The devices and browsers you use across our Sites and third-party websites, apps, and other online services.
  • Usage data associated with those devices and browsers and your engagement with our Services, including data elements like IP address, plug-ins, language preference, time spent on Sites and third-party sites, pages visited, links clicked, payment methods used, and the pages that led you to our Sites and third-party sites.

Communication and Engagement Information. We also collect information you choose to share with us through various channels, such as support tickets, emails, or social media. If you respond to emails or surveys from Digit Simplified Solutions, we collect your email address, name, and any other data you opt to include in your email or responses. If you engage with us over the phone, we collect your phone number and any other information you might provide during the call. Additionally, we collect your engagement data, like your registration for, attendance at, or viewing of Digit Simplified Solutions events and any other interactions with our personnel.

Forums and Discussion Groups. If our Sites allow posting of content, we collect Personal Data that you provide in connection with the post.

b. Use of Personal Data

Improving and Developing our Services. We use analytics on our Sites to help us understand your use of our Sites and Services and diagnose technical issues. Please review our Cookie Policy to learn more about how you can control our use of cookies and third-party analytics. We also collect and process Personal Data throughout our various Services to improve our Services, develop new Services, and support our efforts to make our Services more relevant and useful to you.

Communications. We use the contact information we have about you to deliver our Services, which may involve sending codes via SMS for your authentication. If you are an End User, Representative, or Visitor, we may communicate with you using the contact information we have about you to provide information about our Services and our affiliates’ services, invite you to participate in our events, surveys, or user research, or otherwise communicate with you for marketing purposes.

Social Media and Promotions. If you opt to submit Personal Data to engage in an offer, program, or promotion, we use the Personal Data you provide to manage the offer, program, or promotion. We also use the Personal Data you provide, along with the Personal Data you make available on social media platforms, for marketing purposes, unless we are not permitted to do so.

Fraud Prevention and Security. We collect and use Personal Data to help us identify and manage activities that could be fraudulent or harmful across our Services, enable our fraud detection Business Services, and secure our Services and transactions against unauthorized access, use, alteration, or misappropriation of Personal Data, information, and funds. As part of the fraud prevention, detection, security monitoring, and compliance efforts for Digit Simplified Solutions and its Business Users, we collect information from third parties (such as credit bureaus) and via the Services we offer. In some instances, we may also collect information about you directly from you, or from our Business Users, Financial Partners, and other third parties for the same purposes.

Compliance with Legal Obligations. We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer ("KYC") laws, anti-terrorism activities, safeguarding vulnerable customers, export control, and prohibition of doing business with restricted persons or in certain business fields, among other legal obligations.

Minors. Our Services are not directed to children under Certainly! Here is the continuation and completion of the HTML code using the provided theme: the age of 16, and we do not knowingly collect Personal Data from children under 16. If we become aware that a child under 16 has provided us with Personal Data, we will take steps to delete such information.

3. Legal bases for processing Personal Data

For purposes of the General Data Protection Regulation and other applicable data protection laws, we rely on a number of legal bases to process your Personal Data. For some jurisdictions, there may be additional legal bases, which are outlined in the Jurisdiction-Specific Provisions section below.

  • Contractual and Pre-Contractual Business Relationships. We process Personal Data to enter into business relationships with prospective Business Users and End Users and fulfill our respective contractual obligations with them.
  • Legal Compliance. We process Personal Data to verify the identities of individuals and entities to comply with obligations related to fraud monitoring, prevention, and detection, laws associated with identifying and reporting illicit and illegal activities, and financial reporting obligations.
  • Legitimate Interests. Where allowed under applicable law, we rely on our legitimate business interests to process your Personal Data.
  • Consent. We may rely on consent or explicit consent to collect and process Personal Data regarding our interactions with you and the provision of our Services. When we process your Personal Data based on your consent, you have the right to withdraw your consent at any time.

4. Your rights and choices

Depending on your location and subject to applicable law, you may have choices regarding our collection, use, and disclosure of your Personal Data:

a. Opting out of receiving electronic communications from us

If you wish to stop receiving marketing-related emails from us, you can opt-out by clicking the unsubscribe link included in such emails or as described here. We'll try to process your request(s) as quickly as reasonably practicable.

b. Your data protection rights

Depending on your location and subject to applicable law, you may have the following rights regarding the Personal Data we control about you:

  • The right to request confirmation of whether Digit Simplified Solutions is processing Personal Data associated with you, and if so, request access to that Personal Data;
  • The right to request that Digit Simplified Solutions rectify or update your Personal Data if it is inaccurate or incomplete;
  • The right to request that Digit Simplified Solutions delete your Personal Data;
  • The right to request that we restrict the processing of your Personal Data;
  • The right to object to our processing of your Personal Data;
  • The right to withdraw your consent to our processing of your Personal Data (where we process your Personal Data based on your consent);
  • The right to request that we provide your Personal Data in a structured, commonly used, and machine-readable format, and to request that we transfer such data to another controller.

To exercise any of these rights, please contact us using the contact details provided in the "Contact Us" section below. We will respond to your request in accordance with applicable law.

5. Security and retention

We employ a variety of security measures to ensure the confidentiality, integrity, and availability of your Personal Data. These measures include technical, administrative, and physical safeguards designed to protect against unauthorized access, use, disclosure, and destruction of Personal Data.

We retain your Personal Data for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. The retention period will vary depending on the type of Personal Data and the applicable legal or regulatory requirements.

6. International data transfers

Digit Simplified Solutions operates globally, and as such, your Personal Data may be transferred to, stored, and processed in countries outside of your country of residence. These countries may have data protection laws that are different from the laws of your country. We have implemented appropriate safeguards to ensure that your Personal Data remains protected in accordance with this Policy and applicable data protection laws.

7. Updates and notifications

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, and other factors. When we make changes to this Policy, we will notify you by updating the "Last updated" date at the top of this Policy and, in some cases, we may provide you with additional notice (such as by adding a statement to our website or sending you a notification).

We encourage you to review this Policy periodically to stay informed about our collection, use, and sharing of your Personal Data.

8. Jurisdiction-specific provisions

Depending on your location, there may be additional provisions that apply to your Personal Data. These jurisdiction-specific provisions are designed to comply with the applicable data protection laws in your region. Please refer to our Privacy Center for more information on the specific provisions that apply to you.

9. Contact us

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

Digit Simplified Solutions Inc.
Attn: Privacy Office
Email: privacy@digitsimplified.com
Phone: +1 (437) 886-5005

10. US Consumer Privacy Notice

For U.S. consumers, this section provides additional information about your rights under the California Consumer Privacy Act (CCPA) and other applicable U.S. privacy laws.

a. Categories of Personal Data collected

We collect the following categories of Personal Data from U.S. consumers:

  • Identifiers (e.g., name, email address, phone number)
  • Commercial information (e.g., transaction history)
  • Internet or other electronic network activity information (e.g., browsing history, interaction with our website)
  • Geolocation data
  • Professional or employment-related information

b. Your rights under the CCPA

As a California resident, you have the following rights under the CCPA:

  • The right to know what Personal Data we collect, use, disclose, and sell about you;
  • The right to request that we delete your Personal Data;
  • The right to opt-out of the sale of your Personal Data;
  • The right to non-discrimination for exercising your CCPA rights.

To exercise your CCPA rights, please contact us using the contact details provided in the "Contact Us" section above.

c. Sale of Personal Data

We do not sell Personal Data in exchange for monetary compensation. However, the CCPA defines "sale" broadly to include certain transfers of Personal Data to third parties for valuable consideration. We may share Personal Data with third-party partners for marketing and advertising purposes, which may be considered a "sale" under the CCPA. You have the right to opt-out of such sharing by contacting us.