1. Overview
Peach Technology has adopted this privacy statement to explain how we collect, retain, process, share, and transfer your personal data when you visit our website or use our services. This privacy statement applies to personal data processed by Peach Technology when you visit our website or use our services, but does not apply to online websites or services not owned or controlled by us, including services of other Peach Technology users.
This privacy statement is intended to help you understand our privacy practices and understand your privacy choices when using our website and services. Please note that our service products may vary by region.
We have defined certain terms used in this privacy statement. You can find the meaning of capitalized terms in the "Definitions" section. If you have questions about privacy practices not covered in this privacy statement, please contact us.
2. What Personal Data Do We Collect?
When you visit our website or use our services, we may collect information about you, including:
Registration and Usage Information
When you register to use our services by establishing an account, we will collect personal data according to the need to provide and complete the services you request. Depending on the services you select, we may require you to provide name, postal address, phone number, email address, and identification information to establish an account. During your use of services, we may require you to provide additional personal data.
Transaction and Experience Information
When you use our services or visit our website (e.g., shopping at merchants, receiving payments, processing payments, or sending money to friends and family), we collect information related to transactions, as well as other information related to transactions, such as amounts sent or requested, payment amounts for purchased products or services, merchant information (including information about any financing tools used to complete transactions), device information, technical usage data, and geographic location information.
Participant Information
When you use our services or visit our website, we collect personal data about other participants related to transactions that you provide.
Sending or Requesting Money Transfers
When you send or request money transfers through services, we collect personal data of the payee or payer, such as name, postal address, phone number, and financial account information. Depending on the services you use to send or request money transfers, the scope of participant personal data required may vary.
Paying or Requesting Others to Pay Bills
If you use our services to pay bills for others or request users to pay bills for you, we will collect personal data about the account holder from you, such as name, postal address, phone number, email address, and the bill account number you intend to pay or request payment for.
Public Profile and Your Friends and Contacts Information
If you choose to associate your contact list information with your account, or if your account profile is public, we will be able to help you more easily transact with friends and contacts. If you establish an account connection between your account and your social media platforms on your device, we will use your contact list information to improve your experience when using services. When your account profile is public, other users can find your profile and send money to you by searching by name, username, email or phone number on Peach Technology, and confirm it is you by viewing your photo. You can set your account profile to private in your Peach Technology settings at any time.
Information You Provide to Us for Additional Services or Specific Online Services
If you request or participate in optional website features, or request enhanced services or other elective features, we may collect additional information from you. If the use of this information is different from the purposes disclosed in this privacy statement, we will provide a separate notice at the time of collection.
Information About Your Personal Data If You Use Unbranded Services
Certain services can be used without logging in or establishing an account. When you use unbranded card payment services to interact with merchants and make payments to them, and when you use Peach Technology checkout without logging into an account, we collect personal data. For our unbranded payment services, your interaction is with merchants and takes place on their platforms. If you are an account holder, or if you create an account later, we may collect information about unbranded transactions and associate it with your account to improve your customer experience as an account holder, and for compliance and analysis purposes. If you are not an account holder, we will collect and store all information you provide, and use such information in accordance with this privacy statement.
Information About You From Third-Party Sources
We obtain information from third-party sources such as merchants, data providers, and credit reporting agencies to the extent permitted by law.
Other Information We Collect Related to Your Use of Website or Services
When you communicate with us, contact our customer support team, or respond to surveys, we may collect or collect additional information about you.
Non-Account Holders
If you use our services without creating or logging into an account, we will still collect personal data, which may include your payment information, device information, and location information. When you use our services without creating or logging into an account, we will use this information to process transactions, prevent fraud, and comply with laws. We may associate this information with your existing or subsequently created accounts.
3. Why Do We Retain Personal Data?
We retain personal data to fulfill our legal or regulatory obligations and meet our business needs. We may retain personal data longer than legally required if it serves our legitimate business interests and is not prohibited by law. If your account is closed, we may take steps to shield personal data and other information, but we retain the right to retain and access data for the time required by applicable laws. We will continue to use and disclose such personal data in accordance with this privacy statement.
4. How Do We Process Personal Data?
We may process your information for the following reasons:
- Operating the website and providing services, including: initiating payments, sending or requesting money transfers, adding funds to accounts or paying bills; verifying your access to your account; communicating with you about your account, website, services, or Peach Technology; establishing account connections between your account and third-party accounts or platforms; conducting creditworthiness and other financial reputation checks, evaluating applications, and verifying information accuracy.
- Keeping your account and financial information up to date.
- Managing our business needs, such as monitoring, analyzing, and improving the performance and functionality of services and the website. For example, we analyze user behavior and research how you use services.
- Managing risk and protecting the website, services, and you from fraud by verifying your identity. Peach Technology's risk and fraud tools use personal data from our website and websites that provide Peach Technology services, device information, technical usage data, and geographic location information to help detect and prevent fraudulent and abusive use of services.
- Marketing to you about Peach Technology products and services as well as products and services of unaffiliated enterprises. We may also process your personal data to personalize marketing content and certain services or website experiences on Peach Technology and other third-party websites to better match your interests.
- Providing personalized services provided by Peach Technology on third-party websites and online services. We may use personal data about you collected in accordance with this privacy statement and other information to provide targeted displays, features, services, or offers to you on third-party websites. We may use cookies and other tracking technologies to provide these online services and/or work with merchants, advertising, or analytics companies and other third parties to provide these online services.
- Providing you with location-specific options, features, or offers if you choose to share your geographic location information with us. We will use this information to enhance the security of the website and services, and to provide you with location-based services, such as advertisements, search results, and other personalized content.
- Complying with our obligations and enforcing the terms of our website and services, including complying with all applicable laws and regulations.
- Making it easier for you to find and connect with others. For example, if you allow us to access your contacts, or when your account profile is public, we may recommend people you may know to connect, and help others find your profile by searching by name, username, email or phone number on Peach Technology and help them contact you and send money to you. We may also associate information learned from your and your contacts' use of services, as well as information provided by you and others, to recommend people you may know or may wish to transact with through our services.
- Responding to your requests, such as contacting you about questions you submit to our customer service team.
5. Do We Share Personal Data?
We may share your personal data or other information about you in various ways described in this section of this privacy statement.
We may share your personal data or other information for the following reasons:
- With other members of the Peach Technology corporate family: We may share your personal data with members of the Peach Technology entity family to (among other things) provide services you have requested or authorized; manage risk; help detect and prevent potential illegal and fraudulent activities and other violations of our policies and agreements; and help us manage the availability and connectivity of Peach Technology products, services, and communications.
- With other companies that provide services to us: We may share personal data with third-party service providers that perform services and functions (at our instructions and on our behalf). These third-party service providers can (for example) provide services to you, verify your identity, assist in processing transactions, send you advertisements about our products and services, or provide customer support.
- With other financial institutions: We may share personal data with other financial institutions with whom we jointly create and provide products. These financial institutions may use this information only for marketing and providing products related to Peach Technology, unless you agree to other uses. We may also share personal data to process transactions, provide benefits related to eligible cards, and keep your financial information up to date.
- With other parties to transactions when you use services, such as other users, merchants, and their service providers: We may share information about you and your account with other participants processing your transactions. This includes: personal data and account information necessary to facilitate transactions; information to help other participants resolve disputes and detect and prevent fraud; and aggregated data and performance analytics to help merchants better understand users and help merchants improve user experience.
- With other third parties for our business purposes or as permitted or required by law: We may share information about you with other parties for Peach Technology's business purposes or as permitted or required by law, including:
- If we need to do so to comply with laws, legal processes, or regulations;
- With law enforcement, regulatory agencies, government officials, or other third parties (in Singapore or elsewhere), under Singapore law or regulations, or laws and regulations of other jurisdictions applicable to Peach Technology or one of its affiliates, in response to subpoenas, court orders, or other legal processes or requirements;
- When we need to do so to comply with such laws or credit card rules; or when we in good faith believe that disclosure of personal data is necessary or appropriate to prevent physical injury or financial loss; or to report suspected illegal activity or investigate violations of user agreements;
- To protect vital interests of individuals;
- To protect our property, services, and legal rights;
- To facilitate the purchase or sale of all or part of Peach Technology's business;
- Related to shipping and related services of purchases made using services;
- To help assess and manage risk, and prevent fraud against us, our users, and our business partners, strategic joint ventures, or other individuals and merchants that involve or use our business;
- To provide information to banking partners according to card organization rules to include them on their lists of merchants with whom they have terminated relationships;
- To provide information to credit reporting and debt collection agencies;
- To provide information to companies we plan to merge with or be acquired by;
- To support our audit, compliance, and corporate governance functions.
- With your consent: We will also share your personal data and other information with your consent or instruction, including if you authorize establishing account connections with third-party accounts or platforms.
In addition, Peach Technology may provide aggregated statistics about how, when, and why users access our website and use our services to third parties (including other enterprises and public members). This data does not identify you individually and does not provide information about your use of the website or services. We will not share your personal data with third parties for their marketing purposes without your consent.
6. How Do We Collaborate With Other Services and Platforms?
A significant advantage and innovation of Peach Technology services is that you can connect your account with third-party accounts or platforms. For purposes of this privacy statement, an "account connection" with such third parties is a connection that you authorize or establish between your account and a non-Peach Technology account, payment tool, or platform that you legally control or own. When you authorize such connections, Peach Technology and the third party will directly exchange personal data and other information about you. Examples of account connections include:
- Linking your account to a social media account or social messaging service;
- Connecting your account to third-party data aggregation or financial services companies (if you provide your account login credentials to such a company);
- Or using your account to pay merchants or allow merchants to charge your account.
If you choose to create an account connection, we may receive information about you and your use of third-party services from third parties. For example, if you connect your account to a social media account, we will receive personal data from the social media provider through the account connection. If you connect your account to other financial accounts (directly or through third-party service providers), we may have access to your account balance and transaction information, such as purchases and money transfers. We will use all such information we receive from third parties through account connections in a manner consistent with this privacy statement.
Information we share with third parties based on account connections will be used and disclosed in accordance with that third party's privacy practices. Before authorizing account connections, you should review the privacy notices of any third parties that will thereby gain access to your personal data. For example, personal data that Peach Technology shares with third-party accounts or platforms (such as social media accounts) may be further shared with certain other parties (including the public) in accordance with the privacy practices of that account or platform.
7. How Do We Use Cookies and Tracking Technologies?
When you visit our website, use our services, or visit third-party websites where we provide online services, we, as well as our business partners and suppliers, may use cookies and other tracking technologies to identify you as a user and customize your online experience, the services you use, and other online content and advertisements; measure the effectiveness of promotional campaigns and conduct analytics; and mitigate risks, prevent potential fraud, and promote trust and safety between our website and services. Certain aspects and functions of our services and websites are only available through the use of cookies, so if you choose to disable or refuse cookies, your use of the website and services may be limited or impossible.
Do Not Track (DNT) is an optional browser setting that allows you to express your preference about tracking by advertisers and other third parties. We do not respond to DNT signals.
8. What Privacy Choices Do You Have?
You have choices regarding the privacy practices and communications described in this privacy statement. Many of your choices may be explained to you when you register or use services, or in the context of using the website. You may be provided with explanations and prompts throughout your service experience.
Choices Related to Personal Data We Collect
- Personal Data: You can refuse to provide personal data when requested by Peach Technology, but certain services or all services may not be provided to you.
- Location and other device-level information: The device you use to access the website or services may collect information about you, including geographic location information and user usage data, which Peach Technology may subsequently collect and use. For information about your ability to limit such collection and use, please use the settings available in your device.
Choices Related to Our Use of Your Personal Data
- Personalized services provided by Peach Technology on third-party websites and services: You can manage preferences about other Peach Technology personalized services provided to you on third-party websites from your account management. We may also provide explanations and prompts in the service experience about how to manage preferences.
- Finding and connecting with others: If available, you can manage preferences about finding and connecting with others from your account management for the services you use.
Choices Related to Account Connections
- If you authorize establishing account connections with third-party accounts or platforms (such as social media accounts), you may be able to manage your connection preferences from your account or from third-party accounts or platforms. Please refer to the privacy notices governing those third-party platforms to understand additional choices you may have.
Choices Related to Cookies
- You may have available options to manage your cookie preferences. For example, your browser or internet device may allow you to delete, disable, or block certain cookies and other tracking technologies. You can visit AboutCookies.org for more information. You may choose to enable these options, but doing so may prevent you from using many core features and functions on services or websites.
- When you use services or access certain portions of website content, you may have choices about the use of cookies and other tracking technologies. For example, the system may ask if you want services or websites to "remember" certain information about you, and we will use cookies and other tracking technologies to the extent you allow.
Choices Related to Your Registration and Account Information
- If you have an account, you can typically review and edit personal data in your account by logging in and updating information directly, or by contacting us. If you do not have an account or have questions about your account information or other personal data, please contact us.
Choices Related to Communications
- From our notifications, alerts, and updates:
- Marketing: We may send you marketing content about our website, services, products, products we jointly provide with financial institutions, and products and services of unaffiliated third parties and Peach Technology corporate family members through various communication channels (such as email, SMS, pop-ups, push notifications, and messaging applications). You can opt out of these marketing communications by following the instructions in the communications you receive. If you have our account, you can also adjust your communication preferences in your account settings. For messages sent via push notifications, you can manage your preferences in your device.
- Informational and other communications: We will send you communications that are necessary or required for users using our services, including notifications containing important information and other communications you request from us. You may not be able to opt out of receiving these communications. However, you may be able to adjust the medium and format in which you receive these notifications.
9. What Rights Do You Have?
Subject to limitations set by data protection laws, you have certain rights regarding your personal data. You have the right to request access, correction, and data portability. If you wish to exercise these rights, please contact us.
You may have the right to review automated decision-making. You may also withdraw consent. Withdrawing your consent may affect our ability to provide services to you. If you wish to exercise any rights, please contact us. If you wish to request access to all personal data Peach Technology holds about you, please remember that you may need to prove your identity.
If you have an account with any of our services, you can typically review and edit personal data in your account by accessing the account and updating information directly. If you do not have an account or have questions about account information or other personal data, you can also contact us.
10. How Do We Protect Your Personal Data?
We take technical, physical, and administrative security measures designed to provide reasonable protection for your personal data against loss, misuse, unauthorized access, disclosure, and alteration. Security measures include firewalls, data encryption, physical access controls to our data centers, and information access authorization controls. While we are committed to protecting our systems and services, you are responsible for ensuring the security and privacy of your passwords and account/profile registration information, and to verify that personal data we maintain about you is accurate and up to date. We are not responsible for protecting any personal data we share with third parties based on account connections you authorize.
11. Can Children Use Our Services?
The website and services are not directed to children under the age of 13. We will not knowingly collect information from children or other individuals who cannot legally use our website and services (including personal data). If we actually learn that we have collected personal data from children under the age of 13, we will delete such data immediately unless we are required by law to retain such data. If you believe we have erroneously or unintentionally collected information from a child under the age of 13, please contact us.
12. What Else Should You Know?
- Changes to this privacy statement – We may revise this privacy statement from time to time to reflect changes in our business, website or services, or applicable laws. The revised privacy statement takes effect from its effective date as posted.
- If the revised version contains material changes, we will notify you by posting a change notice on the "Policy Updates" page on our website at least 30 days in advance. We may also notify users via email or other methods.
- Transferring your personal data to other countries – Our operations are supported by computer networks, cloud-based servers, and other infrastructure and information technology (including but not limited to third-party service providers). We and our third-party service providers store and process your personal data in various locations around the world, including in the United States and other places. If your personal data is transferred to other countries, we will protect your information as described in this privacy statement. By using our website and services, you consent to the transfer of your personal data to other countries, including those whose data protection rules may differ from those in your country. We do not represent that our website and services are appropriate or available in any particular jurisdiction.
13. Contact Us
If you have general questions about our privacy statement and practices, or questions about your account information or personal data, you can contact us.
We hope to ensure your questions reach the right place:
- Click here to contact us for inquiries about your Peach Technology account or transactions, or issues with card payments to merchants.
- Our data protection officer can be contacted online or by mail at: 13 Stamford Road #02-11 Capitol Piazza Singapore 178905. Please note "Attention: Data Protection Officer" on the letter.
14. Definitions
- Account refers to a Peach Technology membership account.
- Device Information refers to data that can be automatically collected from any device used to access the website or services. Such information may include but is not limited to: the type of your device; the network connection of your device; the name of your device; the IP address of your device; information about the network browser and internet connection your device uses to access the website or services; geographic location information; information about applications downloaded to your device; and biometric data (such as Touch ID/fingerprint used to verify your identity).
- Geographic Location Information refers to information about longitude and latitude coordinates obtained by using, for example, GPS, Wi-Fi, or cellular site triangulation, to reasonably identify your location. Certain of our services may request you to allow us to share your current location. Certain websites and services require this information to provide specific products or online services. If you do not agree to us collecting geographic location information, our website or services may not function properly when you attempt to use them.
- Peach Technology refers to Peach Technology and its subsidiaries or affiliated companies. In this privacy statement, Peach Technology is sometimes referred to as "we" or "our" depending on context.
- Personal Data refers to personal information that is associated with or can be associated with an identifiable individual. "Personal Data" may include name, postal address (including billing and shipping addresses), phone number, email address, payment card numbers, other financial account information, account numbers, date of birth, and government-issued identification (such as driver's license number, national identity card, passport, social security number, and taxpayer identification number). Personal Data does not include information that cannot identify a specific user.
- Processing refers to any method or means by which we process personal data or a set of personal data, whether by automated means, such as collection, recording, organizing, structuring, storage, adaptation or modification, retrieval, consulting, disclosure by transmission, dissemination or otherwise providing, alignment or combination, restriction, deletion, or destruction of personal data.
- Services refers to any products, services, content, features, technologies, or functions that Peach Technology provides to you, and all related websites, applications, and services.
- Website refers to the website, mobile applications, official social media platforms, or other online properties through which Peach Technology provides services and has published or linked to this privacy statement.
- Technical Usage Data refers to information we collect from the phone, computer, or other device you use to access the website or services. Technical usage data tells us how you use the website and services, for example what you search for and view on the website, and how you use our services, including your IP address, statistics about how pages load or are viewed, other websites you visited before accessing this website, and other usage and browsing information collected through cookies.
- User refers to an individual who uses services or visits the website.
15. Additional Information
This section provides information that may be specific to customers in certain regions or that is provided to Peach Technology by third parties you may interact with when using services. If you have any questions about the details in this section, you can contact us.
- Google ReCaptcha – Peach Technology uses ReCaptcha on the website and services. Your use of ReCaptcha is subject to Google's privacy policy and terms of service. ReCaptcha is only used to combat spam and abuse.
