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Welcome to Me Time Coaching!
The Me Time Coaching! website, hereinafter (“Site” AND/OR “Website”) located at https://metime.one is a copyrighted work belonging to Me Time Coaching, a BY Williams LLC Company, hereinafter (“Company” AND/OR “the Company”). Certain features of the Website (aka. “Domain” AND/OR “subdomains”) may be subject to additional guidelines, terms, agreements, or rules, which will be posted on this Website in connection with such features. All such additional terms, guidelines, agreements, and rules are incorporated by reference into this Policy.
This Policy describe and form the legally binding terms and conditions that oversee the entity or sole proprietor, hereinafter (“you” AND/OR “your” AND/OR “your representative”) usage and access to this Website or Services.
BY ACCESSING OR LOGGING INTO THE WEBSITE, YOU OR YOUR REPRESENTATIVE WILLINGLY AGREE OR ARE BEING COMPLIANT THAT THESE TERMS AND YOU, REPRESENT THAT YOU OR YOUR REPRESENTATIVE HAVE THE AUTHORITY AND CAPACITY TO ENTER INTO THESE TERMS. YOU SHOULD BE AT LEAST 18 YEARS OF AGE TO ACCESS THIS WEBSITE. IF YOU DISAGREE WITH ANY OF THE PROVISION OF THESE TERMS, DO NOT LOG INTO AND/OR CONTINUE USAGE OF THIS WEBSITE, AND DELETE YOUR BROWSER HISTORY IMMEDIATELY.
This Policy becomes permanently effective upon the date you first access or use any service (aka. “Effective Date”) offered by the Company and continue indefinitely until you or the Company terminate it (aka. “Term”) in writing. The writing maybe be delivered by the Company in digital or physical form.
This Privacy Policy (“Policy”) describes the “Personal Data” that we collect about you, how we use it, how we share it, your rights and choices, and how you can contact us about our privacy practices. This Policy also outlines your data subject rights, including the right to object to some uses of your Personal Data by us. Please visit our Terms-of-Use for more information about our practices.
Company offers you the opportunity to store your payment methods with Company so that you can conveniently use it across merchants who are our Business Users. When you opt in, you agree to let us store your Personal Data such as your payment method so that you can more readily make purchases with Business Users of our payment processing Business Services. When you choose to pay with our Merchant or Gateway services, we will also collect Transaction Data related to your transactions.
If you choose to share bank account information with us, Company will periodically collect and process your account information. With your separate permission, we will share this Personal Data with Business Users that you choose. You can ask us to stop collecting and sharing this information.
With your separate permission, we will share contact information with Business Users that you do business with.
We use your Personal Data to provide the End User Service to you, including security, sanctions screening, delivery, support, personalization and messages related to the End User Service. We will use Personal Data to assess whether a payment with a merchant is authorized by you (and not a bad actor) and likely to be successfully authorized by the payment method you choose to use when you choose to make purchases with by our payment gateways.
When you choose to connect your financial account with Company you may also choose to share account information with Business Users that you do business with. These Business Users will have their own privacy policies which describe how they use that information.
For payment transactions with our Gateway services, End User Personal Data is shared with others to enable or “process” the transaction. When you choose to use a payment method for the transaction with Company, the third party provider of your payment method will receive Transaction Data that includes your Personal Data. When you use our Merchant services, the merchant you choose to do business with will also receive Transaction Data that includes your Personal Data and with your separate consent, your bank account information. Please review the privacy policies of your payment method and the merchants who you choose to learn more about their processing of your Personal Data.
If you are an End Customer, when you make payments to, get refunds from, begin a purchase, make a donation or otherwise transact with a Business User that uses us to provide payment processing Business Services, we will receive Transaction Data. We may also receive your transaction history with the Business User. Moreover, we may obtain information typed into a checkout form, even if you choose not to complete the form or purchase with the Business User.
Company provides a verification and fraud prevention Service that allows a Business User to verify Personal Data about you, such as your age when purchasing age restricted goods or your authorization to use a payment method. As part of these Services, you will be asked to share Personal Data with us for this purpose (e.g., your government ID, your image (selfie), and Personal Data you input or that is apparent from the physical payment method (e.g., credit card image)). To protect against fraud, we may compare this information with information about you we collect from Business Users, financial partners, business partners, identity verification services, publicly available sources, and other third-party service providers and sources so that we can assess whether the person is likely to be you or a person purporting to be you.
To provide our Business Services to our Business Users, we use Personal Data, and share Personal Data of a Business User’s End Customers with the Business User. Where allowed, we also use End Customers’ Personal Data for Company’s own purposes to secure, improve and provide our Business Services and prevent fraud, loss and other harms as described below.
We use your Transaction Data to provide our Payments related Business Services to Business Users, including to process online payment transactions, to calculate applicable sales tax, to invoice and bill, and to help them calculate their revenue, pay their bills, and perform accounting tasks. We may also use Personal Data to provide and improve our Business Services.
For payment transactions, your Personal Data is shared with a number of parties in connection with your transaction. Because we act as a service provider or processor, we share Personal Data to enable the transaction. When you choose to use a payment method for the transaction, your payment method will receive the Transaction Data that includes your Personal Data. Please review your payment method’s privacy policy to learn more about how they use and share this information.
The merchant you choose to do business with will also receive Transaction Data that includes your Personal Data, and the merchant may share that Personal Data with others. Please review your merchant’s privacy policy to learn more.
Some of our Business Users use our Services to offer financial services to you, through Company or its financial partners. They may provide a card product that enables you to purchase goods and services. These cards may carry the Company brand, bank partner brand and/or the brands of Business Users. In addition to any Transaction Data, we may produce or receive when these cards are used for purchases, we will also receive and use your Personal Data to provide and manage these products. Please also see the privacy policies of the Business User and our bank partners, if applicable, associated with the financial service.
We use Personal Data about your identity, including information provided by you and our service providers, to perform verification Services for Company or for the Business Users that you are doing business with, to reduce fraud and enhance security. If you provide a “selfie” along with an image of your identity document, we will use technology to compare and calculate whether they match, and you can be verified.
We use your Personal Data collected across our Services to detect and prevent losses for you, us, our Business Users and financial partners. We may provide Business Users that use our fraud Business Services with Personal Data about you, including your attempted transactions, so that they can assess the fraud or loss risk associated with a transaction.
We share Personal Data of End Customers with their respective Business Users and with parties directly authorized by those Business Users to receive Personal Data. This includes sharing Personal Data of End Customers with Business Users when a Business User authorizes a third-party application provider to access its Company account using Company Connect. When the Business User uses Identity Services to verify an End Customer’s identity, Company shares with the Business User the information, documents or photos provided by the End Customer to verify their identity. The Business Users you choose to do business with may further share your Personal Data to third parties they authorize. Please review their privacy policy to learn more.
If you have begun a purchase, we share Personal Data with that Business User in connection with our provision of Services and that Business User may use your Personal Data to market and advertise their products or services, subject to the terms of their privacy policy. Please review your merchant’s privacy policy to learn more, including your rights to stop their use of your Personal Data for marketing purposes.
We do not use, sell or share End Customer Personal Data for our marketing or advertising, or for marketing and advertising by third parties who are not the Business User with which you have transacted or attempted to transact.
To provide Business Services, we collect, use and share Personal Information from Representatives of Business Users.
If you register for a Company account for a Business User, including incorporation of a Business, we collect your name and account log-in credentials. If you register for an event that Company organizes or attends or if you sign up for Company communications, we collect your registration and profile information. If you are a Representative or Representative of a potential Business User, we receive your Personal Data from third parties, including data providers, in order to advertise to market and communicate with you as described further below and in Section 12. We may also associate a location with you in order to assess which Services or information may be useful to you.
If you are an owner of a Business User or you are expected to be a shareholder, officer or director of a Business User, we require that you provide your contact details, such as name, postal address, telephone number, and email address to fulfill our financial partner and regulatory requirements. We will directly and through others, collect Personal Data about you, such as your ownership interest in the Business User, your date of birth and government identifiers associated with you and your Business User, such as your social security number, tax number, or Employer Identification Number. You may also choose to provide bank account information.
We generally use Personal Data of Representatives to provide the Business Services to the associated Business Users, as well as for the purposes described below.
We use and share Personal Data of Representatives with Business Users to provide the Services you or the Business User you are associated with have requested it.
In some cases, our Business Service will require us to submit your Personal Data to a government entity. For our tax Business Services, we may use your Personal Data to file taxes on behalf of your associated Business User. For our business incorporation services, we may use your Personal Data to submit forms to the IRS on your behalf and to file documents with other governmental authorities.
We share data with parties directly authorized by a Business User to receive Personal Data. Providers of payment methods (e.g., Visa, WeChat Pay) will require merchant onboarding information for the Business Users that accept their payment methods, and Company will provide required onboarding information, including Personal Data of Representatives to those financial partners. In some cases, these payment method providers will be located outside your home country for example WCP, AliPay, Block, or Klarna Bank AB.
The use of Personal Data by a Business User’s authorized third party is subject to the third party’s privacy policy.
If you are a Business User and have chosen a name that includes Personal Data, we will share and use that information as any company name in connection with the provision of our Services.
Where allowed by applicable law, we use and share Representative Personal Data with others so that we may advertise and market our Services to you. Subject to applicable law, including any consent requirements, we may advertise to you through interest-based advertising and emails and seek to measure the effectiveness of our ads. See our Cookie Policy. We do not sell or share Representative Personal Data to others for their advertising purposes.
We collect, use and share Personal Data of Visitors, who are not End Users, End Customers or Representatives.
When you visit our Sites, we will receive your Personal Data either from you providing it to us or through our use of cookies and similar technologies. See our Cookie Policy.
When you choose to fill in a form on the Site or on third party websites featuring our advertising (e.g., LinkedIn or Facebook), we will collect the information included in the form. We may also associate a location with your visit.
We use information about you that we gather from cookies and similar technologies to measure engagement with the content on the Sites, to improve relevancy and navigation, to personalize your experience and to tailor content about Company and our Services to you. Not all of our Services are available in all regions, so we may tailor our answers for your region.
As allowed by law, we use and share Visitor Personal Data with others so that we may advertise and market our Services to you. Subject to applicable law, including any consent requirements, we may advertise our Services to you through interest-based advertising and emails, and seek to measure the effectiveness of our ads. See also our Cookie Policy. We do not sell or share Visitor Personal Data to others for their advertising purposes.
When visitors engage with our Domain or site, we will use information we collect about and through your devices in order to provide the opportunity to engage in conversations or with chatbots to address your questions.
In addition to the ways we collect, use and share Personal Data that are described above, we also process your Personal Data as follows:
Depending on the Service you use and the Business Users’ implementation of our Business Services, we will collect information about:
We will collect any information you choose to provide to us, for example, through support tickets, emails, or social media. When you respond to Company emails or surveys, we collect your email address, name, and any other information you choose to include in the body of your email or responses. If you contact us by phone, we will collect the phone number you use to call Company, as well as other information you may provide during the call. We will also collect your engagement data such as your registration for, attendance of, or viewing of Company events and other interaction with Company personnel.
Where our Sites allow you to post content, we will collect Personal Data that you provide in connection with the post.
In addition to the Personal Data usage described above, we use Personal Data in the following ways:
We use analytics on our Sites to help us analyze your use of our Sites and Services and diagnose technical issues. To learn more about the cookies that may be served through our Sites and how you can control our use of cookies and third-party analytics, please see our Cookie Policy. We also collect and process Personal Data through our different Services, whether you are an End User, End Customer, Representative or Visitor, to improve our Services, develop new Services and support our efforts to make our Services more relevant and more useful to you.
We will use the contact information we have about you to perform the Services, which may include sending codes via SMS to authenticate you. 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 or surveys, or otherwise communicate with you for our marketing purposes, provided that we do so in accordance with applicable law, including any consent or opt-out requirements. When you submit your contact information to us or when we collect your business contact details through our participation at trade shows or other events, we may use the information to follow-up with you regarding an event, send you information that you have requested on our products and services and include you on our marketing information campaigns.
If you choose to submit Personal Data to us to participate in an offer, program, or promotion, we will use the Personal Data you submit to administer the offer, program or promotion. We will also use that Personal Data and Personal Data you make available on social media to market to you unless we are not permitted to do so.
We collect and use Personal Data to help us to detect and manage the activity of fraudulent and other bad actors across our Services, to enable our fraud detection Business Services, and to otherwise seek to secure our Services and transactions against unauthorized access, use, modification or misappropriation of Personal Data, information and funds. In connection with fraud and security monitoring, prevention, detection, and compliance activities for Company and its Business Users, we receive information from service providers (including credit bureaus), third parties, and the Services we provide. We may collect information from you, and about you, from Business Users, financial parties and in some cases third parties. For example, to protect our Services, we may receive information from third parties about IP addresses that malicious actors have compromised. This Personal Data (e.g., name, address, phone number, country) helps us to confirm identities, run credit checks subject to applicable law and prevent fraud. We may also use technology to assess the fraud risk associated with an attempted transaction by an End Customer or End User with a Business User or financial partner.
We use Personal Data to meet our contractual and legal obligations related to anti-money laundering, Know-Your-Customer (“KYC”) laws, anti-terrorism, export control and prohibitions on doing business with restricted persons or in certain business areas and other legal obligations. We strive to make our Services safe, secure, and compliant, and the collection and use of Personal Data is critical to this effort. We may monitor patterns of payment transactions and other online signals and use those insights to reduce the risk of fraud, money laundering and other activity that is harmful to Company, our End Users, and their End Customers.
The Services are not directed to minors, including children under the age of 13, and we request that they not provide Personal Data through the Services. In some countries, we may impose higher age limits as required by applicable law.
In addition to the ways described above, we share Personal Data in the following ways:
We share Personal Data with other Company affiliated entities. When we share with these entities, it is for purposes identified in this Policy.
To provide Services to our Business Users and End Users and to communicate, market and advertise to Visitors, Representatives and End Users regarding our Services, we will rely on others to provide us services. Service providers provide a variety of critical services, such as hosting, storing, delivering, and analytics to assess the speed, accuracy and/or security of our Services, identity verification, customer service, email, and auditing. We authorize such service providers to use or disclose the Personal Data that we make available to perform services on our behalf and to comply with applicable legal requirements. We require such service providers to contractually commit to protect the security and confidentiality of Personal Data they process on our behalf. Our service providers are predominantly located in the European Union, the United States of America and India.
“Financial Partners” are financial institutions that we partner with to offer the Services, including payment method acquirers, banks, and payout providers. We share Personal Data with certain Financial Partners to provide the Services to the associated Business Users and to offer certain Services in partnership with our Financial Partners. We share certain Personal Data of Representatives (e.g., loan repayment data and contact information) with institutional investors who purchase or provide credit secured by the Capital loans that we have made to the associated Business Users.
In some cases, we may not provide a service, but instead refer you to, or enable you to engage with, others to get services. In these cases, we will disclose the identity of the third party and the information that will be shared with them and seek your consent to share the information.
If we enter into, or intend to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock, we may share Personal Data with third parties in connection with such transaction. Any other entity which buys us, or part of our business will have the right to continue to use your Personal Data, but subject to the terms of this Policy.
We share Personal Data as we believe necessary: (i) to comply with applicable law, (ii) to comply with rules imposed by a payment method in connection with use of that payment method (e.g. network rules for Visa); (iii) to enforce our contractual rights; (iv) to secure or protect the Services, rights, privacy, safety and property of Company, you or others, including against other malicious or fraudulent activity and security incidents; and (v) to respond to valid legal process requests from courts, law enforcement agencies, regulatory agencies, and other public and government authorities, which may include authorities outside your country of residence.
For the purposes of the General Data Protection Regulation, we rely upon a number of legal bases to enable our processing of your Personal Data.
We process Personal Data for the purpose of entering into business relationships with prospective Business Users and End Users and to perform the respective contractual obligations with them. Activities include:
We process Personal Data to verify the identity of individuals and entities to comply with fraud monitoring, prevention and detection obligations, laws associated with the identification and reporting of illegal and illicit activity, such as “Anti-Money Laundering (“AML”) and Know-Your-Customer (“KYC”)” obligations, and financial reporting obligations. For example, we may be required to record and verify a User’s identity for the purpose of compliance with legislation intended to prevent money laundering and financial crimes. These obligations are imposed on us by the operation of law and may require us to report our compliance to third parties, and to submit to third party verification audits.
Where allowed under applicable law, we rely on our legitimate business interests to process Personal Data about you. The following list sets out the business purposes for which we have a legitimate interest in processing your data:
We may rely on consent to collect and process Personal Data as it relates to how we communicate with you and for the provision of our Services. When we process data based on your consent, you have the right to withdraw your consent at any time without affecting the lawfulness of processing based on such consent before the consent is withdrawn.
You may have choices regarding our collection, use and disclosure of your Personal Data:
If you no longer want to receive marketing-related emails from us, you may opt-out via the unsubscribe link included in such emails. We will try to comply with your request(s) as soon as reasonably practicable. Please note that if you opt-out of receiving marketing-related emails from us, (i) we retain the right to communicate to you regarding the services you receive (e.g., support and important legal notices) and (ii) our Business Users may still send you messages and/or direct us to send you messages on their behalf.
Depending on your location and subject to applicable law, you may have the following rights with regard to the Personal Data we control about you:
To exercise your data protection rights please also see the Terms-of-Use or contact us as described below.
We make reasonable efforts to provide a level of security appropriate to the risk associated with the processing of your Personal Data. We maintain organizational, technical, and administrative measures designed to protect Personal Data covered by this Policy against unauthorized access, destruction, loss, alteration, or misuse. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure.
To help us protect Personal Data, where you have an account with Company, we encourage you to use a strong password, protect that password from unauthorized use and not use the same log-in credentials for your Company accounts as you do with other services or accounts. If you have reason to believe that your interaction with us is no longer secure, please contact us immediately.
We retain your Personal Data if we are providing the Services to you or our Business Users, as applicable, or for a period during which we reasonably anticipate providing the Services. Even after we stop providing Services directly to you or a Business User with which you are doing business, and even if you close your Company account or complete a transaction with a Business User, we may retain your Personal Data:
We are a global business. We may transfer your Personal Data to countries other than your own country, including to the United States. These countries may have data protection rules that are different from your country. When transferring data across borders, we take measures to comply with applicable data protection laws related to such transfer. In certain situations, we may be required to disclose Personal Data in response to lawful requests from officials (such as law enforcement or security authorities).
We may change this Policy from time to time to reflect new services, changes in our privacy practices or relevant laws. The “Last updated” legend at the top of this Policy indicates when this Policy was last revised. Any changes are effective the latter of when we post the revised Policy on the Services or otherwise provide notice of the update as required by law.
We may provide you with disclosures and alerts regarding the Policy or Personal Data collected by posting them on our website and, if you are an End User or Representative, by contacting you through your Company Dashboard, email address and/or the physical address listed in your Company account.
If you are an Australian resident, and you are dissatisfied with our handling of any complaint you raise under this Policy, you may wish to contact the Office of the Australian Information Commissioner.
To exercise your rights, you may contact our DPO. Brazilian residents, to whom the Lei Geral de Proteção de Dados Pessoais (“LGPD”) applies, have rights set forth in Article 18 of the LGPD.
As used in this Policy, “applicable law” includes the Federal Personal Information Protection and Electronic Documents Act (PIPEDA) and “Personal Data” includes “personal information” as defined under PIPEDA.
To exercise your rights, you may contact our DPO. If you are a resident of the EEA or if we have identified Company EEA & UK as your data controller, and you believe our processing of your information is not in line with the General Data Protection Regulation (GDPR), you may direct your questions or complaints to the Irish Data Protection Commission. If you are a resident of the UK, you may direct your questions or concerns to the UK Information Commissioner’s Office. Where Personal Data is used for regulated financial activities in Europe, Company Payments Europe Limited and Company local regulated entities (defined as those who are licensed, authorized or registered by a Local Regulatory Authority) are considered joint controllers.
If you have any questions or complaints regarding the processing of your Personal Data in India, please contact our DPO.
As used in this Policy, “applicable law” includes Law No. 11 of 2008 as amended by Law No. 19 of 2016 on Electronic Information and Transactions, Government Regulation No. 71 of 2019 on the Implementation of Electronic Systems and Transactions, and Minister of Communication and Informatics Regulation No. 20 of 2016 on Personal Data Protection in Electronic Systems and “Personal Data” includes “personal data” as defined under such laws.
When we transfer Personal Data of data subjects in Japan to jurisdictions that are not recognized as ‘adequate’ by the Personal Information Protection Commission, we enter into written agreements with any third parties located outside of Japan. These written agreements provide rights and obligations equivalent to those provided under the Japanese Act on the Protection of Personal Information.
If you have any questions or complaints about this Policy, please contact our DPO.
As used in this Policy, “applicable law” includes the Swiss Federal Act on Data Protection (FADP), as revised. To exercise your rights under the FADP, please contact our DPO.
If we process your Personal Data due to a legal obligation or contractual right and you do not provide us with personal Information, we may not be able to lawfully provide you services.
If you are a consumer located in California, we process your personal information in accordance with California law (e.g., the “CCPA”). Company uses cookies, including advertising cookies, as described in our Cookie Policy.
Please note that this Policy Statement may be subject to change from time to time. The revised Policy Statement will accordingly be published on this page. We will not reduce your rights under this Policy Statement without your explicit consent. Please regularly check this Policy Statement to ensure you are aware of the latest updates with respect to the same.
This Policy Statement is effective from the date mentioned above (“last updated: <timestamp>”) and it supersedes all existing polices on the subject matter.
If you have any questions or complaints about this Policy, please contact us. If you are an End Customer, please refer to the privacy policy or notice of the Business User for information regarding the Business User’s privacy practices, choices and controls, or contact the Business User directly.
Contact Information
7901 4th St N, SUITE 4000,
ATTN: BY WILLIAMS LLC, DPT: RTS
St. Petersburg, FL 33702
Email: privacymetimeone
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© 2024 · MeTime Consulting · All rights reserved.