Privacy Policy
Last updated: March 1, 2025
PayMeRobot, Inc. ("PayMeRobot," "we," "us," or "our") operates the PMRGuardian platform. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our services. By creating an account, you agree to the practices described in this policy.
1. Information We Collect
Account Information
When you create a guardian account, we collect your full legal name, phone number, email address (from your invitation), and date of birth for identity verification purposes.
Tax Information
To comply with IRS requirements, we collect your Social Security Number (SSN) or Employer Identification Number (EIN), legal name, and mailing address when you submit a W-9 form. This information is required if your annual redemptions exceed the applicable threshold.
Financial Information
We do not store your bank account details directly. Payment processing and bank account connections are handled securely by Stripe. We only retain metadata about your payout account (e.g., last 4 digits, bank name) for display purposes.
Usage Data
We collect information about how you interact with the platform, including log-in timestamps, actions taken on redemption requests, and device/browser metadata for security and fraud prevention.
2. How We Use Your Information
Platform Operations
We use your information to authenticate your identity, process redemption requests, facilitate payouts to your connected bank account, and communicate important account updates.
Tax Compliance
Your tax information is used solely to fulfill our IRS reporting obligations. If your annual redemptions exceed the applicable reporting threshold, we will issue a 1099-MISC tax form in your name.
Security
Phone numbers are used for SMS-based two-factor authentication (via Firebase) every time you sign in. We do not use your phone number for marketing purposes.
Support
We may use your contact information to respond to support requests and send critical service-related notifications. We do not send promotional emails.
3. Information Sharing
Stripe
We use Stripe, Inc. to process payouts. When you connect a bank account through Stripe Connect, your financial information is transmitted to and governed by Stripe's Privacy Policy. We do not share your tax information with Stripe.
Firebase (Google)
We use Firebase Authentication (provided by Google) for SMS-based phone verification. Your phone number is transmitted to Firebase solely for the purpose of sending and verifying one-time codes.
No Sale of Data
We do not sell, rent, or trade your personal information to third parties for marketing or any other commercial purpose.
Legal Requirements
We may disclose your information when required by law, such as in response to a subpoena, court order, or government request, or to protect the rights and safety of PayMeRobot and its users.
4. Minors' Privacy
COPPA Compliance
PayMeRobot takes the privacy of minors seriously. Minors do not create accounts on this platform directly. Guardian accounts are required to be held by adults (18+), and guardians are responsible for managing all activity on behalf of the minors under their care.
Minor Data
We may store limited information about minors associated with a guardian's account, such as a name or identifier, solely to facilitate the redemption process. We do not collect sensitive personal information from minors.
5. Data Retention
Active Accounts
We retain your personal information for as long as your account is active and as needed to provide our services.
Tax Records
Tax-related information (W-9 data, 1099 records) is retained for a minimum of 7 years in accordance with IRS record-keeping requirements.
Account Deletion
If you request account deletion, we will remove your personal information within 30 days, except for information we are legally required to retain.
6. Your Rights
Access & Correction
You have the right to access the personal information we hold about you and to request corrections to inaccurate data. You can update most information directly from your account settings.
Deletion
You may request deletion of your account and associated personal data by contacting us at [email protected]. Note that certain data may be retained as required by law.
Portability
You may request a copy of your personal data in a structured, machine-readable format by contacting our support team.
7. Security
Technical Safeguards
We use industry-standard encryption (TLS) for all data transmitted between your browser and our servers. Sensitive data such as SSNs are encrypted at rest.
Authentication
Access to your account is protected by SMS-based two-factor authentication. We recommend never sharing your verification codes with anyone.
Breach Notification
In the event of a data breach that affects your personal information, we will notify you as required by applicable law.
8. Changes to This Policy
Updates
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a revised effective date. Continued use of the platform after changes constitutes acceptance of the new policy.
9. Contact Us
Questions
If you have questions about this Privacy Policy or how we handle your personal information, please contact us at [email protected].