Privacy

Effective: 01 January 2021

This Privacy Policy discloses the privacy practices for 4gives (4gives.com), a Delaware C Corp., as well as the use of any application created by 4gives. This Privacy Policy applies to our collection and use of information from all visitors to the Site, including, without limitation, visitors using only free services offered on the site.

You are solely responsible for maintaining the confidentiality and security of the usernames and passwords for your accounts, and you assume all liability for sharing or disclosing your username and password. You must not share credentials with anyone else, and you authorize 4gives to act upon instructions and information from any person that enters your credentials. You agree to immediately contact the applicable enterprise if you become aware that the security of the username and password for your account with such enterprise may have been compromised or if there has been unauthorized access to the username and password for your account with such enterprise. You are solely responsible for all activity occurring under the username and password for your account with the Companies who use the Service. Access to and use of password-protected and/or secure areas of the Site and the Service is restricted to authorized users only. Any information collected from or about you through your use of the Site or Service is subject to the 4gives Privacy Policy, and the enterprise Privacy Policy, if applicable.

COLLECTION OF PERSONALLY IDENTIFIABLE INFORMATION

Throughout this Privacy Policy, we use the term “personally identifiable information” to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been made anonymous so that it does not identify a specific user.

The collection and use of data from a variety of sources is essential to our ability to provide our Services – and to help keep the Services safe. Data is critical in helping us to increase the safety of your transactions, and reduce the risk of fraud, money laundering and other harmful activity.

Except as otherwise set forth in this Privacy Policy, 4gives does not sell, share, or in any other way transmit personally identifiable information (names, address, phone numbers, etc.) submitted by non-registered users to any other persons or companies.

We may use the contact information from registered or non-registered users to send promotional products and information about 4gives, the Site and/or on behalf of our partner companies. We may provide personally identifiable information of registered users to third party service providers and referral partners that work on behalf of or with us to provide some of the aspects of our services and to help us communicate with you. However, these service providers and referral partners do not have any independent right to disclose this information (except to the same extent we would have a right to disclose that information under this Privacy Policy).

Although we currently do not have a parent company, subsidiaries, joint ventures, or other companies under common control with us (collectively, “Affiliates”), we may in the future. You hereby agree that we may share some or all of your personally identifiable information with these Affiliates. We will require our Affiliates to comply with this Privacy Policy.

If you submit any personally identifiable information relating to other people to us or to our service providers in connection with the Services, you represent that you have the authority to do so and to permit us to use the information in accordance with this Privacy Policy. If our company or our assets are acquired by another company, that company will possess the personally identifiable information collected by us.

NON-CUSTOMER SALES, SERVICE OR INFORMATION INQUIRIES

When you submit an online “contact us” or other online inquiry form or when you call, write, fax or otherwise initiate contact with 4gives, we record your contact information (name, address, phone number, and email address) in our CRM (Customer Relationship Management) system. This information is used for answering your questions as well as ongoing marketing communication programs. In some cases, you may be referred to an 4gives online inquiry form via a link on a third party referral website. In that case, any information collected on the 4gives hosted online inquiry form may be shared to the referring party only, and that referring party may use it for their own, non-4gives related, marketing communication programs. 4gives protects all information collected via online inquiry forms and will not disclose it to any third parties except as otherwise set forth in this Privacy Policy.

You consent to receive autodialed calls from or on behalf of 4gives at any number provided to 4gives, whether such number is directed at a residence, a business, a wireless telephone, or otherwise. You understand that this consent is not a condition of purchasing the products and services offered by 4gives.

To obtain an 4gives Account you must provide contact information (name, address, phone number, and e-mail address) in addition to other personally identifiable information, including but not limited to, your social security number (we may use the last 4 digits provided to obtain and store the full social security number), driver’s license state and number, Employer Identification Number (Tax ID), billing information and/or any valid, government issued ID.

HOW WE SHARE PERSONALLY IDENTIFIABLE INFORMATION WITH THIRD PARTIES

Personally, identifiable information we collect is shared with service providers under contract who help with parts of our business operations including but not limited to identity verification, credit checks, fraud prevention, bill collection, marketing, and technology services. Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit, except as otherwise set forth in this Privacy Policy, including without limitation as set forth in the Non-Customer Sales, Service, or Information Inquiries section above. We will make reasonable commercial efforts to ensure that they comply with such policy or requirements, however, we will have no liability to you if any person fails to do so.

We may use third-party analytics providers, such as Google Analytics, which use cookies and similar technologies to collect and analyze information about use of the Services and report on activities and trends. These third parties may also collect information regarding the use of other websites, apps and online resources. You can learn about Google’s practices by going to policies.google.com/technologies/partner-sites, and opt out of them by downloading the Google Analytics opt-out browser add-on, available at tools.google.com/dlpage/gaoptout.

USE OF DEMOGRAPHIC AND PROFILE DATA

In our efforts to continually improve our product and service offerings, we collect and analyze demographic and profile data about our users and their customers. We identify and use your IP address to help diagnose problems with our servers, and to administer the Site. Your IP address, along with cookies, is used to help identify you and gather basic information and help personalize your online experience with us. A cookie is a small text file that is stored on your computer to help us make your visit more user-friendly by improving the site and your experience with it. Any data collected through cookies will be treated in accordance with this Privacy Policy. If you have set your browser to warn you before accepting cookies, you should receive a warning message with each cookie. You may refuse cookie by turning them off in your browser, however, you should be aware that our site may not work well with cookies disabled.

We use personal data to: (i) provide the Services; (ii) detect and prevent fraud; (iii) mitigate financial loss or other harm to Users, Customers, and 4gives; and (iv) promote, analyze and improve our products, systems, and tools. Examples of how we may use personal data include:

a) verify an identity for compliance purposes;
b) evaluate an application to use our Services;
c) conduct manual or systematic monitoring for fraud and other harmful activity;
d) respond to inquiries, send service notices and provide customer support;
e) for audits, regulatory purposes, and compliance with industry standards;
f) develop new products;
g) send marketing communications;
h) improve or modify our Services; and
i) conduct aggregate analysis and develop business intelligence that enable us to operate, protect, make informed decisions, and report on the performance of, our business.

We also reserve the right to use aggregated personal data provided that those data do not relate to any individual.

We use and disclose personally identifiable information as we believe necessary: (i) under applicable law, or payment method rules; (ii) to enforce our terms and conditions; (iii) to protect your rights, privacy, safety or property; and (iv) to respond to requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.

We will occasionally ask you to complete optional online surveys. These surveys may ask you for contact information and demographic information (like zip code, age or income level). We may use this data to tailor your experience on the Site, providing you with content that we think you might be interested in — and to display content according to your preferences. We sometimes use contact data from our surveys to send you information about our company and/or promotional material on behalf of our partners. We never use personally identifiable information about your customers to contact them directly, nor do we share this data with any third parties.

For quality and training purposes, 4gives may monitor or record its telephone conversations with you or anyone acting on your behalf. By communicating with 4gives, you acknowledge that your communication may be overheard, monitored, or recorded without further notice or warning. In order to help protect you from fraud and misuse of your personal information, we may collect information about you and your interactions with 4gives. We may also evaluate your computer, mobile phone or other access device to identify any malicious software or activity.

We may create anonymous records from personally identifiable information by excluding information (such as your name) that makes the information personally identifiable to you or one of your customers. We may use this anonymous information to direct future development, including but not limited to analyzing usage patterns so that we may enhance our services, and providing reports based on anonymous non-personally identifiable information. We reserve the right to use and disclose anonymous information to third parties, at our discretion.

DATA RETENTION POLICY AND MANAGING YOUR INFORMATION

We will retain personally identifiable information. for as long as you remain an active 4gives Account Holder and for a reasonable time thereafter. We may retain anonymized and aggregate data indefinitely.

We have a variety of obligations to retain the data that you provide to us, including to ensure that transactions can be appropriately processed, settled, refunded or charged-back, to help identify fraud and to comply with anti-money laundering and other laws and rules that apply to us and to our financial service providers. There may also be residual data that will remain within our databases and other records, which will not be removed.

SECURITY

4gives has security measures in place to protect against the loss, misuse and alteration of the information under our control, as described in our security page. We protect personal data with appropriate physical, technological and organizational safeguards and security measures.

Your personal data comes to us via the internet which chooses its own routes and means whereby information is conveyed from location to location. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. As such we cannot give any warranty or assurance that the means where information is conveyed to us are safe, reliable or have integrity. Our site has security measures in place to protect against the loss, misuse and unauthorized alteration of the information under our control. More specifically, our server uses SSL (Secure Sockets Layer) security protection by encrypting your Personal Data including credit card number, name and address to prevent individuals from reading these Data as it travels over the Internet. The length of time we retain personal data outside our back up system varies depending on the purpose for which it was collected and used. This period may extend beyond the end of the particular relationship with us but only for so long as we are contractually bound to do so, or so far as is necessary for audit or other accounting purposes. When personal data are no longer needed we have procedures either to destroy, delete, erase or convert it to an anonymous form.

OTHER DISCLOSURE OF INFORMATION

We may disclose your personally identifiable information to law enforcement, government officials, or other third parties when:

We are compelled to do so by a subpoena, court order or similar legal procedure;
We need to do so to comply with law or credit card rules;
We believe in good faith that the disclosure of personally identifiable information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our Acceptable Use Policy.
You request or provide specific permission to share such information.

INTERNATIONAL DATA

4gives’s services are global and data (including personally identifiable information) may be stored and processed in any country where we have operations or where we engage service providers, and we may transfer data to countries outside of your country of residence, including the United States, which may have data protection rules that are different from those of your country. However, we will take measures to ensure that any such transfers comply with applicable data protection laws and that your data remains protected to the standards described in this privacy policy. In certain circumstances, courts, law enforcement agencies, regulatory agencies or security authorities in those other countries may be entitled to access your personal data. If your information is transferred to other countries, including countries which may not have data protection laws that provide the same level of protection that exists in your country, we will protect the information as described in this Privacy Policy.

SENSITIVE DATA

Because email communications are not always secure, please do not include credit card or other sensitive data (such as racial or ethnic origin, political opinions, religion, health, or the like) in your emails to us.

CHOICE/OPT-OUT

You may opt-out of receiving marketing communications from us and our partners by following the opt-out instructions we include in such communications. You may request that your personal information be removed from all 4gives systems. This request must be made in writing to the address provided below. Note that if you request removal of your personal information you will no longer have access to any existing 4gives account and will not be able to use any 4gives product or service.

ACCEPTANCE

By using this site, you signify your agreement and express consent to this Policy. 4gives reserves the right to change this Policy at any time. Any changes will be posted so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it..

CHANGE/MODIFY/REVIEW

4gives gives users the following options for changing and modifying information previously provided or collected and reviewing information currently on file. Send an email to 4gives at support@4gives.com to initiate changes or modifications or to obtain a file for review. Note that 4gives will require you to verify your identity prior to releasing any personal information.

Additional Sections:

Personal Information 4gives Collects

When you use our Services, contact us, access our websites or applications or join our loyalty programs (collectively, the “Services”), we collect personal information about you and may use it along with other information collected or generated during our relationship with you. We collect different types of personal information relating to you, which may include:

Contact information, for example, your name, postal address, e-mail address, telephone number, and date of birth, gender, citizenship, occupation, marital status, and government or national identification numbers;
Transaction information, including your money transfers and bill payments;
Business-related information that helps us provide our Services to you, such as membership in our loyalty programs, how you use of our Services, bank and credit information, and permissions to contact or marketing choices;
Technical information, including the host from which you access the Internet, your IP address or device advertising ID, geolocation if enabled, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, social profile and network information, the date and time you access our websites and the address of the site from which you linked to our website when you visit us. We collect personal information on your online activities as described in the section titled “INTERNET TECHNOLOGIES.”
Compliance information, including fraud prevention, identity verification, and sanction checks.

To conduct a money transfer, or use other payment services, you must provide certain information required by Western Union to execute the transfer and to enable us to comply with our legal obligations associated with transferring money. Failure to provide some of your personal information may affect our ability to provide our Services to you. This may include information about the form of identification used to send or receive a transaction (where required by law) including the identification or a copy of the identification document, transaction activity, bank account and payment information.

Internet Technologies

We use internet technlogies like cookies, tags and web beacons on our websites, in mobile applications or when you visit a third-party website for which 4gives provides online Services for a variety of purposes, including, but not limited to remittance services.

4gives has implemented the capability for the user to manage cookies on our websites. We may read or write cookies based on your preference level. (Note: cookies set prior to you changing your preference level are maintained on your computer; to remove them please refer to y our browser settings and, if needed, your browser’s “Help” function.) If your browser does not support JavaScript, you can find out abour the cookies used on our sites and only manage the use of cookies through your web browser settings. Please note that if you disable all cookies on your browser, this will limit the features of this site and may impact the ability to complete your transaction.